Privacy Notice

Your privacy is important to us. Learn how we protect your data.

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Information We Collect How We Use Your Data Data Sharing Data Security Your Rights Cookies Policy Data Retention Contact Us

Your Privacy Matters

At MarwadiPay, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Notice explains how we collect, use, store, and protect your data when you use our payment services.

01

Information We Collect

We collect various types of information to provide and improve our services:

Personal Information

  • Full name and contact details (email, phone number)
  • Date of birth and government-issued ID numbers
  • Bank account and payment card information
  • Aadhaar number (for AEPS services, as required by law)
  • Biometric data (fingerprints for authentication)
  • Address and location information

Transaction Information

  • Transaction history and payment details
  • Sender and recipient information
  • Transaction amounts and dates
  • Service usage patterns

Technical Information

  • IP address and device identifiers
  • Browser type and operating system
  • Log files and usage data
  • Cookies and similar tracking technologies

Note: We only collect information that is necessary to provide our services and comply with legal requirements.

02

How We Use Your Data

Your information helps us deliver secure and efficient payment services:

Service Delivery

Process transactions, maintain accounts, and provide customer support

Security & Fraud Prevention

Detect and prevent fraudulent activities and security threats

Legal Compliance

Meet regulatory requirements including KYC and AML regulations

Service Improvement

Analyze usage patterns to enhance our services and user experience

Communication

Send transaction alerts, updates, and important service notifications

Marketing

Provide information about new features and services (with your consent)

03

Data Sharing & Disclosure

We may share your information with trusted third parties under specific circumstances:

When We Share Data

  • Service Providers: Banks, payment gateways, and technology partners who help us deliver services
  • Legal Obligations: Law enforcement, regulators, or courts when required by law
  • Business Transfers: In case of merger, acquisition, or sale of assets
  • Fraud Prevention: With fraud detection agencies to protect all users
  • With Your Consent: Any other sharing will require your explicit permission

We Never: Sell your personal information to third parties for their marketing purposes.

04

Data Security

We implement industry-leading security measures to protect your information:

Encryption

All data transmission uses SSL/TLS encryption

Secure Storage

Data stored in encrypted, secure servers

Access Controls

Strict access limitations and authentication

Regular Updates

Continuous security monitoring and updates

While we use robust security measures, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and keep your account information confidential.

05

Your Rights

You have control over your personal data. Your rights include:

📋

Access

Request a copy of your personal data we hold

✏️

Correction

Update or correct inaccurate information

🗑️

Deletion

Request deletion of your data (subject to legal requirements)

🚫

Objection

Object to certain types of data processing

📤

Portability

Request your data in a portable format

⏸️

Restriction

Restrict processing in certain situations

How to Exercise Your Rights

Contact our Data Protection Officer at [email protected] or through your account settings.

06

Cookies & Tracking

We use cookies and similar technologies to enhance your experience:

Essential Cookies

Required for the website to function properly. These cannot be disabled.

Analytics Cookies

Help us understand how you use our services to improve performance.

Marketing Cookies

Used to deliver relevant advertisements (with your consent).

You can control cookie preferences through your browser settings. Note that disabling certain cookies may affect functionality.

07

Data Retention

We retain your personal information only as long as necessary:

  • Active Accounts: Data retained while your account is active
  • Inactive Accounts: Data may be retained for up to 7 years after account closure for legal and regulatory compliance
  • Transaction Records: Maintained as required by financial regulations (typically 7-10 years)
  • Marketing Data: Removed upon withdrawal of consent

Some data may be retained longer if required by law or for legitimate business purposes such as dispute resolution.

08

Children's Privacy

MarwadiPay services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

09

International Data Transfers

Your data is primarily stored and processed in India. If we transfer data internationally:

  • We ensure adequate safeguards are in place
  • Transfers comply with applicable data protection laws
  • We use standard contractual clauses or other approved mechanisms
10

Changes to This Privacy Notice

We may update this Privacy Notice periodically. When we make changes:

  • We'll update the date at the top of this document
  • Significant changes will be notified via email or platform notification
  • Continued use constitutes acceptance of changes
  • You can review previous versions upon request

Privacy Questions?

If you have questions about how we handle your data, please reach out:

Support Hours: Monday-Saturday, 9 AM - 9 PM IST