GoFinyatra ("Company", "we", "our", or "us") values your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, process, store and protect information when you use the GoFinyatra mobile application, website and related financial services.

By accessing or using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

• Full name, mobile number and email address
• Residential or business address
• KYC documents such as Aadhaar, PAN Card and other identity proofs
• Bank account details, beneficiary details and IFSC information
• Transaction records and payment information
• Recharge, bill payment and money transfer history
• Photos and documents uploaded for verification and KYC purposes
• Location information for fraud prevention and service verification
• Device details such as device model, operating system, IP address and app version
• Contact information used for beneficiary and recharge features

2. Services Covered

This Privacy Policy applies to all services provided by GoFinyatra, including:

• Domestic Money Transfer (DMT)
• AEPS Services
• Cash Withdrawal
• Balance Enquiry
• Mini Statement
• Mobile Recharge
• DTH Recharge
• Fastag Recharge
• BBPS Bill Payments
• Wallet and Digital Payment Services

3. How We Use Your Information

Your information may be used for the following purposes:

• To provide and manage financial and payment services
• To process transactions securely and efficiently
• To complete KYC and identity verification requirements
• To comply with RBI guidelines and applicable laws
• To prevent fraud, suspicious activities and unauthorized access
• To improve app functionality and user experience
• To provide customer support and transaction notifications
• To maintain records for audit, compliance and dispute resolution

4. Data Sharing and Disclosure

We may share user information only when necessary with:

• Banks and financial institutions
• Payment gateways and settlement partners
• AEPS and BBPS service providers
• KYC and verification agencies
• Government or regulatory authorities when legally required

We do not sell or rent personal information to third parties for marketing purposes.

5. Data Security

We use industry-standard security practices including encrypted HTTPS communication, secure APIs, restricted access controls and protected servers to safeguard user information.

6. Data Retention

User data and transaction records may be retained for periods required under applicable laws, RBI regulations, anti-money laundering requirements, fraud prevention guidelines and dispute handling procedures.

7. Permissions Used by the App

The GoFinyatra application may request the following permissions:

• Internet Permission: Used for secure communication with banking, AEPS, BBPS and payment servers.
• Location Permission: Used for fraud prevention, security verification and service functionality.
• Network State Permission: Used to check internet connectivity and improve app performance.
• Contacts Permission: Used to help users select and manage beneficiary or recharge contacts easily.

8. Account Deletion Policy

Users can request deletion or deactivation of their account by contacting us through their registered mobile number or email address.

Upon verification, user access to the account will be removed and personal information not required for regulatory compliance will be deleted within 7 working days.

Please note that certain transaction, financial, KYC and legal records may be retained for a specific period as required under applicable laws, regulatory guidelines, fraud prevention, dispute resolution and audit requirements.

For account deletion requests or support, contact:

Email: info@gofinyatra.com

9. Children's Privacy

GoFinyatra services are intended only for users aged 18 years and above. We do not knowingly collect personal information from minors.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any modifications will be published on this page with an updated revision date.

11. Contact Us

GoFinyatra
Website: https://gofinyatra.com/
Email: info@gofinyatra.com
Lucknow, Uttar Pradesh, India - 226010