Privacy Policy

Introduction

NOVAPAY Fintech Solutions Private Limited ("NOVAPAY," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes our practices regarding the collection, use, disclosure, and protection of information that we collect through our website, applications, and services (collectively, the "Services").

By using our Services, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use our Services.

Information We Collect

We collect several types of information from and about users of our Services:

Personal Information

• Name, email address, phone number, and postal address
• Business name and registration details
• Bank account information and payment details
• Government-issued identification documents for KYC verification
• Transaction history and payment records

Technical Information

• IP address and device information
• Browser type and version
• Operating system
• Usage patterns and preferences
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for various purposes, including:

• Processing payments and transactions
• Verifying your identity and preventing fraud
• Providing and improving our Services
• Communicating with you about your account and our Services
• Complying with legal and regulatory requirements
• Analyzing usage patterns to enhance user experience
• Sending promotional communications (with your consent)
• Resolving disputes and enforcing our agreements

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With third-party vendors who assist in providing our Services
• Business Partners: With banks, payment networks, and financial institutions to process transactions
• Legal Requirements: When required by law, court order, or government authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Consent: When you have given us explicit permission to share your information

We do not sell your personal information to third parties for their marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data using industry-standard protocols
• Secure data storage with access controls
• Regular security assessments and audits
• Employee training on data protection practices

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the context and our legal obligations.

Your Rights

Subject to applicable law, you may have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Objection: Object to certain processing activities
• Withdrawal: Withdraw consent where processing is based on consent

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us understand how you use our Services. You can control cookie preferences through your browser settings, though disabling cookies may affect the functionality of our Services.

Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a new effective date. Your continued use of our Services after such changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at: