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Privacy Policy

Ishaanpay Private Limited

1. Introduction

This Privacy Policy explains how Ishaanpay Private Limited, operating under the brand name IshaanPay, collects, uses, stores, shares, and protects personal information when you access or use the IshaanPay website, mobile application, and related digital services.

By accessing or using the Platform, you acknowledge that your information may be handled in accordance with this Privacy Policy.

2. Who We Are

  • "Company", "IshaanPay", "we", "us", or "our" means Ishaanpay Private Limited.
  • "Platform" means the IshaanPay website, mobile application, software interfaces, communication systems, and related digital channels.
  • "User", "you", or "your" means any individual, customer, merchant, business user, or other person using the Platform.
  • "Third-Party Provider" means any bank, biller, payment processor, travel partner, technology partner, infrastructure provider, merchant, service provider, regulated entity, or external platform connected with any service made available through the Platform.

3. Scope of This Policy

This Privacy Policy applies to personal information collected through the IshaanPay website, the IshaanPay mobile application, account registration or onboarding, transactions initiated through the Platform, customer support interactions, grievance submissions, and service-related communications sent by IshaanPay.

This Privacy Policy does not automatically apply to third-party websites, applications, or services that may be linked to or integrated with the Platform, unless expressly stated otherwise.

4. Applicable Indian Laws

  • the Information Technology Act, 2000
  • the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • the Digital Personal Data Protection Act, 2023, to the extent applicable
  • the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016, where Aadhaar-related information or Aadhaar-based processes are lawfully involved

5. Information We May Collect

5.1 Basic Personal Information

  • full name, mobile number, email address, address
  • date of birth, where required
  • profile image or photograph, where required

5.2 Account and Registration Information

  • login credentials or account identifiers
  • registration records and communication preferences
  • user profile details submitted through the Platform

5.3 Transaction and Service Information

  • transaction amount, reference number, and status
  • biller or merchant details, booking or service details
  • recharge-related details, refund or dispute history

5.4 Business or Merchant Information

  • business name, address, authorized contact person details
  • registration details, tax-related information
  • onboarding documents required for activation or verification

5.5 Verification and Regulated Information

  • PAN details, Aadhaar-related information, GST details
  • bank account details
  • other regulated identifiers or compliance-related records

Where Aadhaar-related information is involved, IshaanPay intends to handle such information only in accordance with applicable legal requirements and the operational model used for the relevant service.

6. How We Collect Information

We may collect personal information directly from you when you register, log in, submit forms, or use a service; when you initiate, complete, or attempt a transaction; when you contact support or submit a grievance; through your interaction with the website or app; from merchants, banks, billers, processors, or service partners where necessary for transaction handling or support; and through authorized onboarding, verification, or compliance workflows, where applicable.

7. How We Use Information

We may use personal information to create and manage user accounts, provide and operate the Platform, process service requests and transactions, send confirmations and alerts, verify accounts or transactions, provide customer support and grievance handling, detect or prevent fraud, improve platform functionality, maintain internal records, and comply with legal, contractual, regulatory, tax, security, or partner-related requirements.

8. Sharing and Disclosure

We may share personal information, where necessary and appropriate, with banks, billers, payment processors, merchants, travel partners, service partners, infrastructure or technology vendors, support or onboarding vendors, and legal, regulatory, governmental, judicial, or enforcement authorities where required by law.

IshaanPay does not sell personal information to third parties.

9. Third-Party Services and Links

Certain services available on the Platform may be provided, processed, confirmed, fulfilled, or supported by Third-Party Providers. The Platform may also contain links to third-party websites or applications. IshaanPay is not responsible for the privacy practices, content, or security of such third-party platforms.

10. Cookies and Similar Technologies

The Platform may use cookies and similar technologies to support essential website functionality, remember user preferences, improve navigation and performance, understand usage trends, strengthen platform security, and support analytics and service improvement.

If a separate Cookie Policy is published, it should be read together with this Privacy Policy.

11. Data Retention

We retain personal information for as long as reasonably necessary for operating the Platform, completing transactions, providing support, resolving disputes, maintaining records, complying with legal, regulatory, tax, contractual, or security obligations, and protecting our legitimate operational and legal interests.

12. Data Security

We use reasonable technical, administrative, and organizational measures to protect personal information against unauthorized access, misuse, alteration, disclosure, or destruction. However, no website, application, storage system, or internet-based transmission can be guaranteed to be completely secure.

13. User Requests and Information Updates

Subject to applicable law and operational limitations, users may request correction of inaccurate information, update of account or profile details, clarification regarding how their information is used, and review of a privacy-related complaint or grievance.

14. Children's Privacy

The Platform is not intended for use by children who are not legally capable of entering into a binding arrangement under applicable law. We do not intentionally collect personal information from children in a manner inconsistent with applicable law.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be published on the Platform with the revised effective date or last updated date. Your continued use of the Platform after such updates constitutes acknowledgment of the revised version.

Contact

Support Email: support@ishaanpay.com
Support Phone: +91 9494929543

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