FUPAY Privacy Policy - Data Protection & Privacy

1. Introduction

This Privacy Policy describes how FUPAY collects, stores, uses, and protects your Personal Information when you access our services, applications, websites, or interact with us in any way (hereinafter referred to as the "Platform"). By using the FUPAY Platform, you agree to this Privacy Policy and its terms.

Legal Compliance

This Privacy Policy complies with applicable Indian laws, including:

Information Technology Act, 2000
Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
Aadhaar Act, 2016

2. Information Collection

2.1 Personal and Sensitive Personal Information Collected

We collect the following types of information to provide you with our services:

Basic Information: Name and Email ID
KYC Information: PAN, income details, business-related information, and verification documents
Aadhaar Information: Aadhaar number for e-KYC with UIDAI
Authentication: OTP from your bank, NSDL, or FUPAY
Device Information: Device identifier, IP address, model, browser, bandwidth, etc.

2.2 Stages of Information Collection

We collect information at various stages of your interaction with our platform:

Visiting the FUPAY Platform
Registering as a user, merchant, or other relationship
Transacting or attempting to transact
Accessing FUPAY links, emails, chats, feedback, and surveys
Dealing with FUPAY entities or applying for jobs

2.3 Contact List Collection

                    Important Note
                    Used for Mobile Recharge and UPI Payments
Not stored on servers; used only for enhancing app experience
Explicit consent is obtained before access

                

2.4 Image/Photo Collection

Used for Scan & Pay and KYC verification
Access requires your explicit consent
Images are processed securely and not stored unnecessarily

Consent-Based Access

Access to images, contacts, location, and camera are all granted only with user consent and shown clearly when installing or using the app.

3. Purpose of Information Collection

We collect and use your information for the following purposes:

Account Management: Create and manage your FUPAY account
Service Delivery: Process transactions and fulfill service requests
Legal Compliance: Comply with legal/KYC/AML obligations
User Experience: Improve user experience and platform functionality
Security: Prevent fraud and security breaches
Support: Provide customer support and communications
Marketing: Send notifications and marketing communications (with consent)

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

Legal Obligations: To comply with legal requirements and regulations
Service Providers: With trusted service providers (e.g., KYC, payment gateways)
Business Transfers: In case of mergers, acquisitions, or business transfers
Protection: To protect our rights or enforce our terms of service
Consent: With your explicit consent for specific purposes

5. Storage and Retention of Data

                    Data Retention Policy
                    Customer Data: Retained for 5 years after account closure
Transactional Data: Retained for 10 years for legal compliance
Security: All data is encrypted and access-controlled
Deletion: Data is deleted or anonymized after retention period

                

6. Security Measures

We implement comprehensive security measures to protect your data:

Encryption: Data encryption (in transit and at rest)
Security Assessments: Regular security assessments and audits
Access Control: Multi-factor authentication and access control
Monitoring: Continuous monitoring for suspicious activities

Important Notice

Despite our best efforts, absolute security cannot be guaranteed. Users are responsible for maintaining the confidentiality of their credentials and should report any suspicious activities immediately.

7. Cookies and Similar Technologies

FUPAY uses cookies and similar technologies to enhance your experience:

Session Management: Handle user sessions and preferences
Analytics: Analyze platform usage and performance
User Experience: Improve functionality and personalization
Security: Enhance security and prevent fraud

Note: Session cookies are automatically deleted after your session ends. You may disable cookies in your browser settings, but some features may become unavailable.

8. Your Rights

You have the following rights regarding your personal information:

Access: Access and review your information
Correction: Request corrections to inaccurate data
Withdrawal: Withdraw consent (as permitted by law)
Deletion: Request deletion of your data (where applicable)
Portability: Request data portability

Exercise Your Rights

To exercise your rights or for any privacy-related queries, contact our Grievance Officer:

Email: info@instaflexi.in

Response Time: We will respond to your request within 30 days

9. Updates to this Policy

This Privacy Policy may be updated periodically to reflect changes in our practices or applicable laws. Any material changes will be:

Published on our website and mobile application
Communicated to users through email notifications
Clearly marked with the "Last Updated" date

Continued Use

Your continued use of the FUPAY Platform after any changes to this Privacy Policy constitutes acceptance of the updated terms.

Privacy Policy

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