Privacy Policy - Rupiyo Digital

1. Introduction

Rupiyo Digital Private Limited ("Company" / "Us" / "We" / "Our") considers User relationship and data security to be an important component of their service offerings ("Services") through Our Website and Platform. We are committed to maintaining the confidentiality, integrity and security of any personal information of our Users.

We are proud of our privacy practices and the strength of our Platform and Website security and want you to know how We protect your information and use it to provide you with Services. This Data Privacy and Security Policy ("Policy") enables us to guard against identity theft and provide security for User profiles and transactional history. We constantly re-evaluate this Policy and adapt it to meet data security standards and to deal with new challenges.

2. Definitions

In this Policy: (i) capitalized terms defined by inclusion in quotations and/or parenthesis have the meanings so ascribed; and (ii) the following terms shall have the following meanings assigned to them herein below:

"Applicable Law" includes all applicable Indian statutes, enactments, acts of the state legislature or parliament, laws, ordinances, rules, bye-laws, regulations, notifications, guidelines, directions, directives and orders of any governmental authority, statutory authority, board, recognized stock exchange, as may be applicable including but not limited to Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks, Business Correspondent Guidelines issued by RBI from time to time, Payment & Settlement Systems Act, 2007, Payment & Settlement Systems Regulations, 2008, Policy Guidelines on Issuance and operation of Pre-paid Payment Instruments in India, and any other guideline in relation to pre-paid cards issued from time to time by Reserve Bank of India.
"Company" / "Us" / "We" / "Our" shall mean Rupiyo Digital Private Limited, a private limited company registered under Companies Act, 2013 and having its registered office at LG-354, Gaur City Center, Greater Noida (West), Uttar Pradesh, Pin – 201318, INDIA.
"Rupiyo Digital Account" shall mean the access account created by a User to avail Services on Website and/or Platform.
"Person" shall mean any individual (including personal representatives, executors or heirs of a deceased individual) or legal entity, including but not limited to, any partnership, joint venture, corporation, trust, unincorporated organization, limited liability company, limited liability partnership or governmental authority.
"Personal Information" shall mean any personally identifiable information provided to Us by a User for creation of a Rupiyo Digital Account or availing Services through Website and/or Platform.
"Services" shall mean the services provided by Company through its Platform including but not limited to financial inclusion services in partnership with banks as business correspondent, distribution of financial products and services including loans, insurance products, investment services, issuance and sales of wallets and prepaid cards and non-financial nature products and services through the Platform in collaboration with various partners.
"User" / "You" / "Your" shall mean any natural or legal person who has access to and is using Platform.
"Website" / "Platform" shall mean and include www.rupiyodigital.in, mobile application of Company, any successor website/applications, any website of Related Entity or any other channel facilitated and permitted by Company including but not limited to App, any other digital medium including phone, displays, emails, social media interfaces, messaging interfaces, wallet, payment intermediaries using Company's interface.

3. Collection, Storage and Use of Information

3.1. We collect Your Personal Information when You successfully submit information while creating your Rupiyo Digital account on Platform ("User Information"). User Information is the data that can be used to uniquely identify or contact a person and/or the business entity that a person represents.

3.2. We may request such additional User Information as may be required for accessing and availing any Services through Platform as may be specified in the terms and conditions of use of such Service.

3.3. By creating a Rupiyo Digital Account and by accessing Services, You authorize Us to collect, store, process, handle and use such User Information, in accordance with this Policy and any other terms and conditions of use of Platform and/or Services.

3.4. Personal Information provided by You is used by Us to improve Platform and/or Service. We do not share Your Personal Information with any third parties for commercial use or revenue generation.

3.5. We may share Personal Information such as Your name, mobile number and email address with third party service providers appointed by Us for sending SMS/Email communications to You in relation to Platform and/or Services. We ensure that such third party service providers maintain strict confidentiality of Your Personal Information.

4. Representations and Warranties

4.1. By creating a Rupiyo Digital Account and accessing Services on Platform, You represent that You are at least the age of majority in Your state or province of residence.

4.2. You shall not, in the use of the Service, violate any Applicable Laws in Your jurisdiction.

4.3. You also understand and acknowledge that the use of the Platform requires internet and/or mobile connectivity. You shall bear the costs incurred to access and use the Platform.

4.4. You shall be solely responsible for all activities undertaken through Your Rupiyo Digital Account, whether or not You have authorized such activities.

4.5. A breach or violation of any of this Policy will result in an immediate termination of Services and may result in reporting to the law enforcement agencies.

4.6. In addition to other prohibitions as set forth in the Terms of Use, You understand and agree that You are prohibited from using the Platform or its Content:

For any unlawful purpose;
To solicit others to perform or participate in any unlawful acts;
To violate any international, federal, provincial or state regulations, rules, laws, or applicable ordinances;
To infringe upon or violate our intellectual property rights or the intellectual property rights of others;
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate;
To submit false or misleading information;
To upload or transmit viruses or any other type of malicious code;
To collect or track the personal information of others;
To spam, phish, pharm, pretext, spider, crawl, or scrape;
For any obscene or immoral purpose; or
To interfere with or circumvent the security features of the Service.

5. Accuracy and Completeness of Information

5.1. You represent and warrant that You shall be responsible for accuracy and correctness of all User Information provided by You for creation of a Rupiyo Digital Account and for accessing any Services available on Platform.

5.2. For the purposes of internal verification and/or for compliance with Applicable Law including but not limited to e-KYC requirements, You may be required to submit such personal identification documents as may be required by Us from time to time.

6. Third-Party Services

6.1. We may allow You to access certain Services provided by third-party service providers, which we neither monitor nor exercise any control over.

6.2. You acknowledge and agree that We provide access to such third-party Services on an "as is" basis and "as available" without any warranties, representations or conditions of any kind and without any endorsement.

6.3. Any use by You of third-party Services offered through Platform is entirely at Your own risk and discretion.

6.4. We may also, in the future, offer new services and/or features through Platform. Such new features and/or services shall also be subject to this Policy.

7. Intellectual Property

7.1. All copyright, database right and all other proprietary rights, title and interest in all information presented on Platform ("Intellectual Property") is owned by and/or licensed to Us or owned by and/or licensed to the provider of Services.

7.2. Use of Platform and/or Services does not confer on You or any other party, any license or other rights under Intellectual Property or other proprietary rights of Company.

8. Disclosure of User Information

8.1. We reserve the right to utilize, share and/or disclose User Information if:

Required to do so to comply with orders of governmental authorities that have jurisdiction over it or as otherwise required by Applicable Law after providing You a written intimation prior to such disclosure; and/or
We determine, in Our sole discretion, that disclosure of User Information is necessary to identify, contact, or bring legal action against you.

9. Removal of Stored Information

9.1. We ensure that any User Information stored with Us is and remains to be in Your ownership. Upon deletion of Rupiyo Digital Account, We will, to the reasonable extent possible, remove User Information stored with Us within 3 (three) months from the date of such deletion.

9.2. We reserve the right to retain such User Information that forms part of anonymized and aggregated data derived from User Information which may be used for improvement of our Platform and/or Services, to produce analytical reports, marketing, advertising or such other activities as We may deem fit.

10. Indemnification

You agree to indemnify, defend and hold harmless Us and Our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of Your breach of this Policy or Your violation of any law or the rights of a third-party.

11. Security Precautions

To prevent any form of unlawful interception or misuse of User Information, We use reasonable physical, electronic and managerial procedures to safeguard and secure User Information collected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or misuse of Your User Information including internal reviews of data collection, storage and processing practices and other reasonable security measures which are equivalent to security measures that We use to protect Our own confidential information.

12. Change in Privacy Policy

We reserve the right to update, modify and amend any of the terms of this Policy, at any time without prior intimation to You. We will post these changes on Platform for Your information. These changes will become effective immediately on posting. Your continued use of the Platform, following changes to this Policy, will constitute Your acceptance of those changes.

13. What We Collect

We may collect and/or gain access to and/or record certain information including personal information from or of User in a variety of ways. These information may relate to and include but not limited to:

Name, date of birth, gender, father name, mother name, marital status
Email address, phone number, alternative mobile number
Address (including PIN code, city, state, residence type)
Photograph/selfie
KYC details/documents, business details/documents
PAN Number, GST details
Device information (IMEI, OS version, device name)
Location information (based on IP address)
Network information and user behavior analysis
Bank account details for transaction processing
Salary and income details

Users can always refuse to supply Personal Information, however, it may prevent them from engaging in certain Services related activities.

14. What We Do with the Personal Information We Gather

We may use your Personal Information to:

Administer the Services
Personalize the Services for User
Send User direct links to the Services
Process transactions and installations
Send User our newsletter
Develop, deliver, and improve our products, services, content and advertising
Send important notices, such as communications about purchases and changes to our Policy
Auditing, data analysis and research to improve the Services
Troubleshooting and understanding usage trends
Send alerts to User
Marketing and promotion of the Services

15. Collection and Use of Non-Personal Information

We may collect non-personal information about Users whenever they use and interact with the Services. Non-personal information may include browser name, the type of computer, and technical information about means used by the User to connect to our Services, such as the operating system and the internet service providers utilized. This information is aggregated and used to help us provide more useful information to the User. If we do combine non-personal information with Personal Information, the combined information will be treated as Personal Information for as long as it remains combined.

16. Sharing of Information with Authorities

We may share Personal Information as well as non-personal information of the User with the courts, police authorities, or any other government/regulatory/statutory authority in case these are required by them in relation to any proceedings pending before them.

17. Privacy Policy Statement for Contact Information Collection

At Rupiyo Digital Private Limited, we are committed to protecting the privacy and security of our users' personal and sensitive information. This includes the contact information we collect from our users on behalf of Airtel Payment Bank Ltd. in order to provide digital banking services.

We collect contact information from our users for the purpose of providing banking services, such as account management, transaction processing, customer support, and fraud prevention on behalf of Airtel Payment Bank Ltd. This information may include name, email address, phone number, and other relevant contact details.

We have implemented strict security measures to protect our users' contact information from unauthorized access, use, or disclosure. We do not sell or share users' contact information with any third-party without their explicit consent, except as required by law or in response to a valid government request.

18. Contacting Us

If You have any queries regarding: (i) this Policy; (ii) information and/or Services available on Platform, or (iii) Your dealings with Us or believe that We have not adhered to it, You may contact Us at contact@rupiyodigital.in

19. Email Opt-Out

You can opt out of receiving Our marketing and update emails. To stop receiving Our promotional emails, please email support@rupiyodigital.in. It may take about ten days to process Your request. Even if You opt out of getting marketing messages, We will still be sending You transactional messages through email and SMS in relation to Your Rupiyo Digital Account and Services availed by You.

20. Account Deletion Policy

At Rupiyo Digital Private Limited, we respect your right to manage your personal data. If you wish to delete your account and associated data, you may do so through the following process:

How to Request Account Deletion

Open the Rupiyo Digital app.
Navigate to Dashboard > Account > Delete Account.
Confirm your identity and submit the deletion request.

Alternatively, you may send a written request to support@rupiyodigital.in with the subject line "Account Deletion Request".

What Happens After Deletion

Your request will be processed within 90 days of submission.
All personal data including KYC documents, transaction history, and profile information will be permanently deleted from our systems, unless retention is required by applicable law or regulation.
Any pending transactions or unresolved disputes may delay the deletion process until they are settled.

Data We May Retain

Certain data may be retained beyond deletion to comply with legal obligations, regulatory requirements, or fraud prevention purposes. This includes:

Transaction records as mandated by RBI or other financial regulators.
Audit logs required for compliance.

For any questions about account deletion, please contact us at support@rupiyodigital.in.

21. Use of Media Permissions

Our application may request access to certain media-related permissions on your device. These permissions are strictly used for the purposes described below and are essential for completing identity verification and regulatory onboarding processes.

READ_MEDIA_IMAGES

This permission allows the app to access image files stored on your device. It is used solely for uploading KYC (Know Your Customer) documents, which may include:

PAN Card image
Aadhaar Card image
Passport-size photograph
Other identity or address proof documents as required by regulation

READ_MEDIA_VIDEO

This permission allows the app to access video files stored on your device. It is used for:

Uploading a video declaration or consent recording, if required during onboarding
Submitting video-based identity verification as per bank or regulatory requirements

Data Use & Protection

Media files accessed through these permissions are used only for KYC, onboarding, and regulatory compliance purposes.
We do not access, store, or share any personal media (photos, videos, or files) unrelated to the services provided.
All uploaded media is encrypted and stored securely in compliance with applicable data protection laws.