Privacy Policy

1. Introduction

Welcome to MYPAYPOINT INFOTECH PRIVATE LIMITED ("Company", "We", "Us", or "Our"). We own and operate the My Pay Points website, mobile application, and related digital payment services (collectively, the "Platform"). This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you access or use our Platform.

By accessing or using the Platform, you ("You", "User", "Customer") consent to the collection and use of your information in accordance with this Privacy Policy and applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023. If you do not agree with this Policy, please discontinue use of the Platform immediately.

2. Information We Collect

a) Personal Information

• Full name, date of birth, and gender
• Contact details such as mobile number, email address, and postal address
• Identity and address proof documents (e.g., PAN, Aadhaar as permitted by law) required for KYC verification

b) Financial Information

• Bank account details, UPI IDs, and payment instrument details necessary to process transactions
• Transaction history, billing details, and payment records on the Platform

c) Technical & Usage Information

• Device information such as device model, operating system, browser type, and unique device identifiers
• IP address, log data, access times, and pages viewed
• Location data (with your permission), used for fraud prevention and service optimization

3. How We Use Your Information

We use the information we collect for the following purposes:

• To create and manage your account and verify your identity (KYC compliance)
• To process bill payments, recharges, and other transactions you initiate
• To communicate transaction confirmations, alerts, service updates, and customer support responses
• To detect, prevent, and investigate fraud, money laundering, and other unlawful activities
• To comply with legal, regulatory, and statutory obligations, including directions from RBI, NPCI, and other authorities
• To improve our Platform, develop new features, and personalize your experience
• To send promotional offers and marketing communications, where you have opted in (you may opt out at any time)

4. Sharing & Disclosure of Information

We do not sell or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers & Partners: With banks, payment aggregators, billers, and technology partners strictly to the extent necessary to complete your transactions and deliver our services.
• Legal & Regulatory Requirements: With government authorities, law enforcement agencies, or regulators when required under applicable law, court order, or regulatory direction.
• Fraud Prevention: With fraud detection and risk management agencies to protect you and the Platform from unauthorized or illegal activity.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to the continued protection of your data under this Policy.

All third parties with whom we share data are contractually obligated to maintain confidentiality and use your information only for the purposes specified.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of sensitive data in transit (SSL/TLS) and at rest
• Secure servers, firewalls, and access controls limiting data access to authorized personnel only
• Regular security audits, vulnerability assessments, and compliance reviews

While we strive to protect your personal information, no method of transmission over the internet is completely secure. You are responsible for keeping your login credentials and OTPs confidential. Never share your password or OTP with anyone, including persons claiming to represent the Company.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Policy, provide our services, and comply with legal, regulatory, tax, and accounting requirements. Transaction records may be retained for the periods mandated under applicable laws even after your account is closed. When information is no longer required, it is securely deleted or anonymized.

7. Cookies & Tracking Technologies

Our Platform uses cookies and similar technologies to remember your preferences, keep you signed in, analyze traffic, and improve performance. You can control or disable cookies through your browser settings; however, some features of the Platform may not function properly without them.

8. Your Rights & Choices

Subject to applicable law, you have the right to:

• Access & Correction: Review the personal information we hold about you and request corrections to inaccurate or incomplete data.
• Withdrawal of Consent: Withdraw your consent to the processing of your data by contacting us; note that this may limit or terminate our ability to provide services to you.
• Erasure: Request deletion of your personal data, subject to our legal and regulatory retention obligations.
• Opt-Out of Marketing: Unsubscribe from promotional communications at any time via the opt-out link in our messages or by contacting us.
• Grievance Redressal: Raise concerns or complaints regarding the handling of your personal data with our Grievance Officer.

9. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of any external websites you visit.

10. Children's Privacy

Our services are intended only for individuals who are 18 years of age or older. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal data, we will take steps to delete such information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The revised Policy will be posted on this page with an updated "Last Updated" date. Your continued use of the Platform after any changes constitutes your acceptance of the revised Policy.

12. Grievance Officer & Contact Us

In accordance with the Information Technology Act, 2000 and rules made thereunder, if you have any questions, concerns, or grievances regarding this Privacy Policy or the handling of your personal information, please contact us: