Finyatra Private Limited (“Finyatra”, “we”, “us” or “our”) respects the privacy of its customers, retailers, distributors, merchants, business partners and users. This Privacy Policy explains how we collect, use, process, store, share and protect personal, technical and transactional information when you access or use our website, mobile application, merchant portal, APIs or any other services provided or facilitated by Finyatra.
By registering with, accessing or using Finyatra's Platform or services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and processing of your information in accordance with this Policy and applicable laws.
While registering or using our services, we may collect information such as your name, mobile number, email address, date of birth, photograph, gender, residential or business address and other information necessary for providing our services. For KYC and regulatory purposes, we may also collect or process PAN, Aadhaar-related information where legally permitted, GST details, bank account details, cancelled cheque, proof of identity/address, business registration documents and other documents required by banks, regulated entities or authorised service partners.
For financial transactions, we may process information such as bank account number, IFSC, beneficiary details, UPI ID/VPA, transaction amount, UTR/RRN, transaction date and time, settlement details, wallet or ledger information, transaction status, charges, commission, refunds and transaction history.
For security, fraud prevention, Platform operation and regulatory compliance, Finyatra may collect technical information such as IP address, device information, device identifiers, operating system, browser type/version, application version, login activity, pages or features accessed, transaction logs and other diagnostic or usage information.
Certain regulated financial services such as AEPS may also require Location, Latitude and Longitude information. Our application may request Camera, Location or Storage permissions where necessary for KYC, document upload, QR scanning, transaction processing, security or other service functionality.
Finyatra's website or Platform may use cookies and similar technologies to operate the Platform, maintain login sessions, remember user preferences, improve performance, understand Platform usage and enhance security.
Users may control or disable cookies through their browser settings. However, disabling certain essential cookies may affect some features or functionality of the Platform.
The information collected by Finyatra may be used for Account Creation, Customer and Merchant Verification, KYC, Transaction Processing, Settlement, Reconciliation, Refunds, Customer Support, Complaint Resolution, Fraud Prevention, Risk Management, Security Monitoring and Regulatory Compliance.
We may also use information to maintain and improve our services, troubleshoot technical issues, monitor Platform usage, communicate important service or transaction updates and respond to customer requests, enquiries and complaints.
Finyatra may monitor transaction and account activity to identify suspicious, fraudulent or unauthorised activities and may temporarily restrict an account or transaction where reasonably required for security, compliance or fraud prevention.
Finyatra may provide or facilitate services including AEPS, Micro ATM, Domestic Money Transfer (DMT), BBPS, Recharge, FASTag, Credit Card Bill Payment, Payment Gateway Services, UPI Services, Payout, Settlement, PAN Services and other banking or financial services.
Some services may be provided through Banks, NPCI ecosystem participants, Payment Aggregators, Financial Institutions or other authorised service providers. Information necessary to complete, authenticate, reconcile or investigate a transaction may therefore be securely processed or shared with the concerned service provider.
Finyatra does not sell users' Personal Information merely for monetary consideration. However, necessary information may be shared with Banks, Payment Processors, Payment Aggregators, Financial Institutions, KYC Providers, Technology Partners, API Providers, Bill Payment Partners, authorised agents, vendors or other service providers where required to provide or support the requested service.
Information may also be disclosed where necessary to comply with applicable laws, legal proceedings or regulatory directions; respond to requests from RBI, NPCI, Government Departments, Courts or Law-Enforcement Agencies; investigate fraud or illegal activities; enforce applicable terms and agreements; or protect the rights, security and interests of Finyatra, its users and its business partners.
Finyatra follows reasonable administrative, technical and organisational security practices designed to protect Personal and Financial Information from unauthorised access, misuse, alteration, disclosure, interception or loss.
Depending upon the nature of the service, security measures may include secure communication, authentication, access controls, transaction monitoring, security logs and other appropriate safeguards. However, no transmission or storage of information over the internet can be guaranteed to be completely secure.
Users are responsible for keeping their Passwords, MPINs, OTPs, PINs and other confidential credentials secure. Finyatra representatives, retailers or distributors should not ask users to disclose confidential credentials such as Card PIN, MPIN, CVV or OTP outside an authorised transaction process.
Finyatra may retain Personal, KYC and Transaction Information for as long as necessary to provide services, maintain financial records, process settlements, resolve disputes or complaints, investigate fraud, enforce agreements or comply with legal and regulatory requirements.
Certain information may continue to be retained after an account is closed where such retention is required under applicable laws, regulatory directions or requirements of Banks or other regulated service providers.
Once information is no longer required and there is no legal or regulatory requirement to retain it, Finyatra may securely delete, anonymise or otherwise dispose of such information using appropriate methods.
Retailers, Distributors, Agents, API Partners and other Business Associates using Finyatra's Platform must maintain the confidentiality of Customer Information and use such information only for authorised services.
They must not copy, sell, disclose, retain or misuse Customer Information for any unauthorised purpose. They must also take reasonable precautions to prevent unauthorised access to customer information and confidential transaction credentials.
Any misuse of Customer Information, unauthorised access, fraudulent activity or violation of Finyatra's security requirements may result in restriction, suspension or termination of services and other action permitted under applicable law or contractual arrangements.
Subject to applicable laws and regulatory requirements, users may request correction or updating of their Personal Information and may withdraw consent where processing is based upon consent. Users may also request deletion of information where legally permissible.
Certain Financial Transaction, KYC, Fraud Prevention and Regulatory Records cannot be immediately deleted where Finyatra or its regulated partners are legally required to retain them. Withdrawal of consent may also affect or discontinue services that require such information to operate.
Finyatra's Platform may contain links or integrations with websites, applications or services operated by third parties. Such third parties may have their own privacy policies and terms governing the collection and use of information.
Finyatra does not control the independent privacy practices of such third-party websites or services. Users are therefore encouraged to review the applicable privacy policy before providing information or using such services.
Finyatra's Platform and financial services are primarily intended for persons who are legally eligible to use the applicable services. Finyatra does not knowingly permit independent registration or collection of Personal Information from persons below 18 years of age unless a particular service is legally permitted and appropriate consent or authorisation is obtained as required under applicable law.
If Finyatra becomes aware that Personal Information of a minor has been collected contrary to applicable requirements, appropriate steps may be taken to restrict processing or remove such information, subject to legal and regulatory retention obligations.
Finyatra may monitor Transactions, Accounts, Devices and Platform Activities for Fraud Prevention, AML/KYC Compliance, Risk Management, Cyber Security and other compliance purposes.
Where suspicious, fraudulent or unlawful activity is identified, relevant information may be preserved, investigated or shared with Banks, Regulators, Law-Enforcement Agencies or other competent authorities in accordance with applicable laws.
Finyatra may modify this Privacy Policy from time to time to reflect changes in its Services, Technology, Business Requirements or applicable Laws and Regulations.
The latest version of this Privacy Policy will be published on our Website or Platform along with the updated Effective Date. Users are encouraged to periodically review this Policy for changes.
If you have any questions, complaints or concerns regarding your Personal Information, Privacy, unauthorised use of information or Finyatra's services, you may contact us using the details below.
Finyatra Private Limited Website: www.gofinyatra.com Email: customercare@gofinyatra.com Customer Care: +91-7800-500-760 Address: 5/36, Sector-5, Gomti Nagar Vistar, Lucknow, Uttar Pradesh – 226010This Privacy Policy shall be governed by the applicable laws of India. Subject to applicable statutory, regulatory and consumer protection requirements, disputes arising in relation to this Privacy Policy shall be subject to the jurisdiction of competent courts in Lucknow, Uttar Pradesh.
By continuing to access or use Finyatra's Platform and services, you acknowledge that you have read and understood this Privacy Policy and agree to the processing of your information in accordance with this Policy and applicable laws.