Privacy Policy

How we protect your personal information and comply with Indian data protection laws

Last updated: December 2024

Introduction

Jaharvir Infinet Pvt Ltd ("JVM Pay", "we", "our", "us") is committed to protecting your privacy and ensuring that your personal information is handled responsibly. This Privacy Policy outlines how we collect, process, store, and share your information in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), RBI guidelines, and other applicable laws of India.

Information We Collect

Personal Identification Data
  • • Name, date of birth
  • • Aadhaar number
  • • PAN details
  • • Address
  • • Contact details
Financial Data
  • • Bank account details
  • • Transaction history
  • • Settlement information
  • • Payment records
Device & Usage Data
  • • IP address
  • • Device identifiers
  • • Cookies
  • • App usage behavior
Biometric Data
  • • Fingerprint data
  • • Iris scan data
  • • For AEPS services only
  • • Secure authentication

Purpose of Processing

1

Service Provision

To provide services such as AEPS, DMT, BBPS, recharges, and travel bookings.

2

Regulatory Compliance

To comply with RBI and NPCI regulations, anti-money laundering (AML) laws, and KYC norms.

3

Service Improvement

To improve services through analytics and customer feedback.

4

Fraud Prevention

To prevent fraud, unauthorized access, or misuse of services.

Data Sharing & Disclosure

We may share your data with the following entities as required for service provision and legal compliance:

Regulatory Authorities

  • • Banks and NBFCs
  • • NPCI (National Payments Corporation of India)
  • • RBI (Reserve Bank of India)
  • • Other regulatory authorities as required

Service Partners

  • • Payment processors
  • • Technology partners
  • • Third-party vendors (bound by confidentiality)
  • • Law enforcement (when mandated by law)

Data Security

Industry-Standard Encryption

Advanced encryption protocols to protect data in transit and at rest.

Multi-Factor Authentication

Multiple layers of authentication for secure access control.

Continuous Monitoring

24/7 monitoring systems to detect and prevent security threats.

Secure Firewalls

Advanced firewall protection to safeguard user data.

User Rights

As per DPDP Act, you have the right to:

  • •Access your personal data
  • •Request corrections or updates
  • •Request deletion (where legally permissible)
  • •Withdraw consent for non-essential data processing
  • •File complaints with data protection authorities
  • •Receive information about data breaches

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within the timeframe specified by applicable law.

Questions About Privacy?

If you have any questions about this Privacy Policy or how we handle your information, please contact us:

+91 12345 67890
privacy@jvmpay.com