PRIVACY POLICY

Effective Date: September 14, 2026
Last Updated: September 14, 2026

Rudr Payments Tech Pvt. Ltd. is committed to protecting the privacy, confidentiality, and security of the personal information of its users, customers, merchants, Business Associates, employees, service providers, and other individuals who interact with our Platform.

This Privacy Policy explains how Rudr Payments Tech Pvt. Ltd. collects, receives, uses, processes, stores, shares, and protects personal information when you access or use our website, mobile application, web portal, API services, merchant services, financial technology solutions, or any other services offered under the Rudr Pay brand.

By accessing or using our Platform, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy.

If you do not agree with this Privacy Policy, please discontinue using our Platform and services.

1. ABOUT RUDR PAY

Rudr Pay is a digital financial services and technology platform operated by Rudr Payments Tech Pvt. Ltd.

Our services may include, but are not limited to:

Aadhaar Enabled Payment System (AEPS)
Domestic Money Transfer (DMT)
Mobile and DTH Recharge
Bill Payment Services
Bharat Bill Payment System (BBPS)-related services
UPI QR and Merchant Payment Solutions
Merchant Onboarding and Business Services
PAN Card and Digital Documentation Services
Travel and Ticket Booking Services
Loan Facilitation and Financial Product Distribution
API Integration and Technology Solutions
Other digital, financial, and business services offered from time to time.

Certain services may be provided in collaboration with authorized banks, NBFCs, payment processors, technology providers, service aggregators, and other regulated or authorized partners.

2. DEFINITIONS

For the purpose of this Privacy Policy:

“Personal Information”

Means any information that identifies, relates to, describes, or can reasonably be linked to an individual, customer, merchant, Business Associate, or user.

“Sensitive Personal Data”

Means information requiring additional protection under applicable laws, regulations, and industry standards, including financial information, identity documents, authentication information, and other sensitive information where applicable.

“Business Associate”

Means a distributor, master distributor, retailer, merchant, franchise partner, agent, employee, service partner, or other business entity associated with Rudr Pay.

“Platform”

Means the Rudr Pay website, mobile application, web portal, APIs, software, digital interfaces, and related services.

“Third-Party Service Provider”

Means any authorized bank, NBFC, payment gateway, technology provider, API provider, service aggregator, telecom operator, regulatory entity, or other organization involved in delivering services.

3. INFORMATION WE COLLECT

We may collect information directly from you, automatically through your use of our Platform, or from authorized third parties.

3.1 Personal Information

Depending upon the services used, we may collect:

Full Name
Father’s/Mother’s/Spouse’s Name, where applicable
Residential Address
Business Address
Email Address
Mobile Number
Alternate Contact Details
Date of Birth
Gender, where required for service eligibility
PAN Card Details
Aadhaar Card Details, where legally permitted and required
KYC Documents
Photograph and Signature
Bank Account Details
IFSC Code
Debit/Credit Card Details, where applicable
UPI ID and Payment Information
GST Details, where applicable
Business Registration Information
Merchant and Agent Details
Distributor and Retailer Information

3.2 Financial and Transaction Information

When you use our services, we may collect information relating to:

AEPS transactions
Domestic Money Transfer transactions
Recharge transactions
Bill payments
UPI transactions
Merchant payments
Settlement information
Commission and incentive records
Refund and reversal details
Loan application information
Financial product requests
Transaction IDs and reference numbers
Payment status and transaction history

3.3 Device and Technical Information

We may automatically collect:

IP Address
Device ID
Mobile Device Information
Operating System
Browser Type
Application Version
Internet Service Provider Information
Login and Access Logs
Date and Time of Access
Usage and Interaction Data
Crash Reports and Diagnostic Information
Approximate Location Information, where necessary and permitted

3.4 Information from Third Parties

We may receive information from authorized partners, including:

Banks and financial institutions
NBFCs and lending partners
Payment gateways
KYC verification providers
Credit information providers, where legally permitted
Technology and API service providers
Regulatory and government authorities

Such information will be collected and processed in accordance with applicable laws and contractual obligations.

4. PURPOSE OF COLLECTING PERSONAL INFORMATION

Rudr Payments Tech Pvt. Ltd. may collect and use personal information for legitimate business, operational, legal, regulatory, and service-related purposes, including:

Service Delivery

To provide requested products and services.
To process payments, transfers, recharges, and bill payments.
To facilitate AEPS, DMT, BBPS, and merchant services.
To process loan and financial service applications through authorized partners.

Identity Verification and KYC

To verify identity and address.
To complete KYC and customer due diligence.
To comply with AML, KYC, and regulatory requirements.
To prevent identity theft and unauthorized account access.

Transaction Processing

To initiate, process, settle, reconcile, and monitor transactions.
To provide transaction confirmations and status updates.
To investigate failed, disputed, reversed, or suspicious transactions.

Customer Support

To respond to complaints, queries, and service requests.
To troubleshoot technical and operational issues.
To resolve disputes and grievances.

Security and Fraud Prevention

To detect, prevent, investigate, and take action against fraud.
To prevent money laundering and unauthorized financial activities.
To protect the Platform, users, employees, and business partners.

Business Operations

To manage Business Associates, merchants, distributors, and agents.
To maintain business records and accounting information.
To manage commissions, settlements, incentives, and payments.

Communication

To send service-related notifications, OTPs, alerts, and updates.
To inform users about new services, features, offers, and promotional activities, where permitted by law.
To communicate important policy changes and compliance notices.

Legal and Regulatory Compliance

To comply with applicable laws, rules, regulations, court orders, and government directions.
To fulfill obligations imposed by regulators, banks, payment networks, and authorized institutions.

5. LEGAL BASIS FOR PROCESSING INFORMATION

Where applicable under relevant data protection and privacy laws, we may process personal information based on one or more of the following grounds:

User consent.
Performance of a contract or requested service.
Compliance with legal and regulatory obligations.
Legitimate business interests.
Prevention of fraud, abuse, and security threats.
Protection of rights, safety, and property.
Any other lawful basis permitted under applicable laws.

Where consent is required, users may withdraw consent subject to legal and contractual limitations.

6. DISCLOSURE AND SHARING OF INFORMATION

Rudr Payments Tech Pvt. Ltd. does not sell, rent, or commercially trade personal information of users or Business Associates.

However, personal information may be shared with authorized parties where necessary for legitimate purposes.

6.1 Banking and Financial Partners

Information may be shared with banks, NBFCs, financial institutions, payment processors, and authorized financial service providers to facilitate requested services.

6.2 Technology and Service Providers

Information may be shared with trusted third-party service providers who assist us with:

Payment processing
API services
Cloud hosting
Data storage
KYC verification
Customer support
Cybersecurity
Fraud monitoring
Software and technical maintenance

Such providers are expected to process information only for authorized purposes.

6.3 Government and Regulatory Authorities

Information may be disclosed where required by:

Applicable laws and regulations.
Courts or judicial authorities.
Government departments.
Law enforcement agencies.
Regulatory bodies.
Tax authorities.
Financial intelligence and compliance authorities.

6.4 Fraud Prevention and Security

Information may be shared with relevant authorities or authorized organizations to detect, prevent, investigate, or respond to suspected fraud, cybercrime, money laundering, unauthorized transactions, or other unlawful activities.

7. DATA SECURITY

We take reasonable and appropriate technical, administrative, and organizational measures to protect personal information from:

Unauthorized access.
Accidental loss.
Misuse.
Alteration.
Disclosure.
Destruction.
Unauthorized processing.

Our security practices may include:

Restricted access controls.
Role-based permissions.
Secure authentication mechanisms.
Employee confidentiality obligations.
Data security training.
Monitoring and logging systems.
Technical safeguards and security protocols.
Regular review of security practices.

Despite our reasonable efforts, no internet transmission, electronic storage system, or digital platform can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their passwords, OTPs, PINs, and login credentials.

8. DATA RETENTION

We retain personal information only for as long as reasonably necessary to:

Provide requested services.
Maintain business and transaction records.
Comply with legal and regulatory requirements.
Prevent fraud and financial crime.
Resolve disputes and complaints.
Enforce contractual obligations.
Maintain audit and compliance records.

When information is no longer required, it may be securely deleted, anonymized, or retained only where legally necessary.

9. COOKIES AND TRACKING TECHNOLOGIES

Our website and application may use cookies, pixels, log files, and similar technologies to improve functionality and user experience.

These technologies may help us:

Remember user preferences.
Maintain login sessions.
Analyze website traffic.
Improve service performance.
Detect security threats.
Understand user behavior and usage patterns.

Users may control cookie settings through their browser or device settings. Disabling cookies may affect certain features or functionality.

10. THIRD-PARTY LINKS AND SERVICES

Our Platform may contain links to third-party websites, applications, products, or services.

These third-party platforms may have their own privacy policies, terms, and practices.

Rudr Payments Tech Pvt. Ltd. does not control or assume responsibility for the privacy, security, or content of third-party websites.

Users are advised to review the privacy policies and terms of third-party services before providing personal information or using such platforms.

11. USER RESPONSIBILITIES

Users and Business Associates are responsible for:

Providing accurate, complete, and updated information.
Keeping account credentials confidential.
Not sharing passwords, PINs, or OTPs.
Immediately reporting unauthorized transactions or suspicious activity.
Using the Platform only for lawful purposes.
Not providing false or misleading information.
Not attempting unauthorized access to the Platform or another user’s account.

Rudr Pay shall not be responsible for losses resulting from the user’s failure to maintain account security.

12. PRIVACY OF CHILDREN

Our services are not intended for individuals who are not legally eligible to use financial or digital services under applicable laws.

We do not knowingly collect personal information from children without appropriate legal or parental authorization where required.

If we become aware that personal information has been collected improperly, we may take reasonable steps to delete such information.

13. YOUR PRIVACY RIGHTS

Subject to applicable laws and regulations, users may have certain rights regarding their personal information, including:

Right to access personal information.
Right to request correction of inaccurate information.
Right to request deletion where legally permissible.
Right to withdraw consent where applicable.
Right to raise a grievance or complaint.
Right to request information regarding data processing practices.

Requests may be subject to identity verification, legal requirements, and operational limitations.

14. GRIEVANCE REDRESSAL

If you have any concerns regarding the collection, use, storage, or processing of your personal information, you may contact our support team.

We will make reasonable efforts to review and respond to privacy-related complaints within a reasonable period.

For verification and security purposes, additional information may be requested before processing your request.

15. BUSINESS ASSOCIATES AND MERCHANT DATA

Rudr Pay may collect and process information relating to distributors, master distributors, retailers, merchants, agents, franchise partners, and other Business Associates.

Such information may be used for:

Account creation and verification.
Business onboarding.
KYC and compliance.
Commission and settlement processing.
Service activation and management.
Transaction monitoring.
Business communication.
Fraud prevention and regulatory compliance.

Business Associates are required to ensure that information submitted by them is accurate and lawful.

16. CHANGES TO THIS PRIVACY POLICY

Rudr Payments Tech Pvt. Ltd. reserves the right to modify, amend, or update this Privacy Policy from time to time.

Any changes will be published on our website or mobile application with the updated “Last Updated” date.

Users are encouraged to review this Privacy Policy periodically.

Continued use of the Platform after any modifications may constitute acceptance of the revised Privacy Policy.

17. CONTACT INFORMATION

For any questions, concerns, complaints, or requests regarding this Privacy Policy, please contact us:

Rudr Payments Tech Pvt. Ltd.

Brand Name: Rudr Pay
Location: Uttar Pradesh, India
Email: support@rudrpay.com
Website: www.rudrpay.com

18. ACKNOWLEDGEMENT

By accessing or using the Rudr Pay Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

Rudr Payments Tech Pvt. Ltd. remains committed to maintaining the confidentiality, privacy, and security of personal information in accordance with applicable laws and industry standards.