Privacy Policy

HanuPay Privacy Policy

At HanuPay, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and services (collectively, the "Service").

By accessing or using our Service, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.

1. Information We Collect

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

1.1 Personal Information

Personal information is data that can be used to identify you individually. We may collect the following personal information:

• Identity Information: Name, date of birth, gender, photograph, signature
• Contact Information: Email address, mobile number, residential address
• Financial Information: Bank account details, credit/debit card information, payment history
• Government-Issued Identifiers: Aadhaar number, PAN card, driving license, passport details
• Biometric Information: Fingerprint or facial recognition data (if you enable biometric authentication)
• Employment Information: Occupation, employer details, income range

1.2 Non-Personal Information

We also collect non-personal information that does not directly identify you:

• Device Information: Device type, operating system, unique device identifiers, IP address
• Usage Data: How you use our Service, pages visited, features used, time spent on the app
• Location Data: General location information based on IP address or precise location if you grant permission
• Transaction Data: Records of transactions, recharge history, bill payments
• Log Data: Error reports, performance data, system activity

2. How We Collect Information

We collect information through various methods:

• Direct Collection: Information you provide when registering, completing KYC, making transactions, or contacting customer support
• Automated Collection: Using cookies, web beacons, and similar technologies
• Third-Party Sources: Information from business partners, credit bureaus, identity verification services, and social media platforms (if you connect your social media accounts)
• Public Sources: Publicly available databases and government records

3. How We Use Your Information

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

3.1 Providing and Improving Our Services

• Processing transactions and payments
• Verifying your identity and preventing fraud
• Providing customer support and responding to inquiries
• Developing new features and improving existing ones
• Analyzing usage patterns to enhance user experience

3.2 Communication

• Sending transaction confirmations and receipts
• Providing important service updates and notifications
• Sending promotional offers and marketing communications (if you opt-in)
• Conducting surveys and collecting feedback

3.3 Legal and Compliance Purposes

• Complying with legal obligations and regulatory requirements
• Preventing fraudulent or illegal activities
• Enforcing our terms and conditions
• Protecting our rights, privacy, safety, or property
• Responding to legal requests and preventing harm

4. Information Sharing and Disclosure

We may share your information with the following parties:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, such as:

• Payment processors and gateway providers
• Cloud storage and hosting providers
• Customer support services
• Analytics providers
• Identity verification services
• Marketing and advertising partners

These service providers are contractually obligated to use your information only for the purposes of providing services to us and in accordance with this Privacy Policy.

4.2 Business Partners

We may share information with our business partners, such as:

• Mobile operators and utility service providers
• Banking and financial institutions
• Merchants and retailers

This sharing is necessary to fulfill transactions and provide the services you request.

4.3 Legal and Regulatory Authorities

We may disclose your information to comply with applicable laws and regulations, including:

• In response to a subpoena, court order, or legal process
• To regulatory authorities like the Reserve Bank of India (RBI)
• To law enforcement agencies for fraud prevention and investigation
• To protect against harm to the rights, property, or safety of HanuPay, our users, or the public

4.4 Corporate Transactions

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred or sold as part of that transaction. We will notify you via email and/or a prominent notice on our website of any change in ownership or uses of your personal information.

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Regular security training for employees
• Physical security measures for our facilities

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you
• Legal obligations to retain data for certain periods
• Statute of limitations under applicable law
• Ongoing or potential legal disputes
• Guidelines issued by relevant regulatory authorities

7. Your Privacy Rights

Depending on your location and applicable laws, you may have certain rights regarding your personal information:

• Access: You can request access to your personal information we hold
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information in certain circumstances
• Restriction: You can request restriction of processing of your personal information
• Data Portability: You can request transfer of your personal information to another service provider
• Objection: You can object to processing of your personal information in certain circumstances
• Withdraw Consent: You can withdraw consent where processing is based on your consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

8. Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect and use information about you. Cookies are small text files that are stored on your device when you visit a website. We use the following types of cookies:

• Essential Cookies: Required for the operation of our Service
• Analytical/Performance Cookies: Allow us to recognize and count visitors and analyze how users navigate our Service
• Functionality Cookies: Enable us to personalize content and remember your preferences
• Targeting Cookies: Record your visit to our Service, the pages you visit, and the links you follow

You can set your browser to refuse all or some browser cookies or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our Service may become inaccessible or not function properly.

9. Children's Privacy

Our Service is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. Third-Party Links and Services

Our Service may contain links to third-party websites, services, or applications that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of these third parties before providing any information to them.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. For significant changes, we will provide a more prominent notice, such as an email notification. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

• Email: support@hanupay.in
• Phone: +91-9876543215
• Address: A D Smart 0, SARSAWA, Pashchim Sarira, ANDAWA, Pashchim Sharira, Kaushambi, Uttar Pradesh, 212214

We will respond to your request within a reasonable timeframe.

This Privacy Policy was last updated on June 1, 2023.