1. Information We Collect
When you register for a Paywish business plan, use our platform, or contact us, we may collect the following categories of information:
Personal Information
- Full name, date of birth, and gender
- Mobile number, email address, and WhatsApp number
- Aadhaar number (for AEPS/KYC verification only)
- PAN card details (for PanCard services and tax compliance)
- Business name and physical address
- Bank account details (for wallet top-ups and payouts)
Transaction Information
- Recharge and bill payment transaction history
- Money transfer details and recipient bank information
- Wallet balance, top-ups, and payout records
- Commission earnings and settlement history
- Payment gateway transaction IDs (SabPaisa)
Technical Information
- IP address, browser type, and device information
- Operating system and app version (if applicable)
- Login timestamps and session duration
- Geolocation data (with your consent)
2. How We Use Your Information
We use your information for the following purposes:
- Account Setup & Verification: To create and verify your retailer/distributor account, process KYC requirements, and activate your chosen business plan.
- Service Delivery: To process recharges, bill payments, money transfers, AEPS transactions, PanCard applications, and other services offered on the platform.
- Wallet & Payments: To manage your wallet balance, process top-ups and payouts, credit commissions, and handle refund requests.
- Communication: To send transaction confirmations, commission alerts, service updates, and important system notifications via SMS, email, or WhatsApp.
- Customer Support: To address queries, resolve disputes, and provide technical assistance.
- Legal Compliance: To comply with applicable laws, regulations, and government orders, including tax filings and anti-money laundering (AML) requirements.
- Platform Improvement: To analyze usage patterns (anonymized) and improve our services, user interface, and overall platform reliability.
4. Data Security
We implement robust security measures to protect your information:
- All data transmissions are encrypted using SSL/TLS (256-bit encryption)
- Sensitive data (Aadhaar, PAN, bank details) is stored in encrypted format at rest
- Banking API integrations follow RBI-mandated security protocols
- Regular security audits and vulnerability assessments are conducted
- Access to personal data is restricted to authorized personnel only on a need-to-know basis
- ISO 9001:2015 certified quality management processes
6. Third-Party Services
Our platform integrates with various third-party services to deliver our offerings. These include but are not limited to:
- Banking API providers for recharges, bill payments, AEPS, and money transfers
- SabPaisa (payment gateway) for registration and wallet transactions
- UIDAI / NPCI for Aadhaar-based authentication (AEPS services)
- WhatsApp Business API (WATI) for customer communication
- Google Maps for office location display
Each third-party service has its own privacy policy, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.
7. Data Retention
We retain your personal information for as long as your account is active and as necessary to:
- Provide services and fulfill our contractual obligations
- Comply with legal and regulatory requirements (minimum 8 years for financial records as per Indian tax laws)
- Resolve disputes and enforce our agreements
Upon account closure and after the mandatory retention period, your personal data will be securely deleted or anonymized.
8. Your Rights
As a user, you have the following rights regarding your personal data:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate or incomplete data
- Deletion: Request deletion of your data (subject to legal retention requirements)
- Withdraw Consent: Withdraw consent for data processing where consent was the basis for collection
- Data Portability: Request your data in a machine-readable format
- Grievance Redressal: File a complaint with our Grievance Officer (details below)
To exercise any of these rights, please contact us at support@paywish.in or WhatsApp +91-7980421214. We will respond within 30 business days.
9. Children's Privacy
Paywish services are intended for individuals aged 18 years and above. We do not knowingly collect personal information from children under the age of 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. We will notify you of any material changes by posting the updated policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us: