Privacy Policy

This Privacy Notice explains how zytePe (a brand of Zytepe Technologies Pvt Ltd) handles your personal information when you access our website and use our digital financial services ("Platform"). We are committed to protecting your privacy and managing your data with the highest standards of integrity and responsibility.

By continuing to use this Platform, you explicitly consent to the data practices described in this statement. We encourage you to read this policy thoroughly to understand our commitment to your digital security.

1. Our Data Philosophy

We operate under strict data minimization principles, collecting only what is necessary to provide secure and efficient fintech solutions.

• Safeguarding: We employ multi-layered security protocols to prevent unauthorized access, alteration, or disclosure of your sensitive information.
• Regulatory Compliance: Our practices align with the Information Technology Act (India) and global data protection standards, subject to regular internal and third-party audits.

2. Information We Collect

To provide seamless payment and financial infrastructure, we collect the following categories of data:

• Identity & KYC Data: Full name, date of birth, gender, and government identifiers (PAN, Aadhaar, or GST details) as required by financial regulations.
• Contact Details: Verified email address, mobile number, and primary business address.
• Financial Records: Transaction history, settlement bank account details, and payment instrument metadata (excluding full card numbers or CVVs).
• Technical Metadata: IP addresses, geolocation data, browser fingerprints, and device identifiers used to prevent fraudulent logins.
• Behavioral Analytics: Information on how you interact with our APIs, dashboard navigation paths, and feature usage frequency.

3. How We Gather Data

Information is collected through three primary channels:

1. Direct Submission: Information you provide during registration or KYC verification.
2. Automated Systems: Data collected via cookies and server logs as you navigate our platform.
3. Third-Party Sources: Verification data from credit bureaus, fraud prevention agencies, and banking partners to ensure system security.

4. Purpose of Processing

Your data allows us to:

• Execute and settle financial transactions accurately.
• Conduct mandatory Anti-Money Laundering (AML) and Know Your Customer (KYC) checks.
• Personalize your dashboard experience and optimize API performance.
• Send critical service alerts, security updates, and transaction receipts via SMS, WhatsApp, or Email.
• Develop new financial tools and improve existing system architecture.

5. Data Sharing and Disclosure

We do not sell your personal data. However, we may share information with:

• Banking Partners: To facilitate the flow of funds and settle transactions.
• Service Providers: Trusted third parties providing cloud hosting, identity verification, and customer support tools.
• Legal Authorities: When required by law, court order, or regulatory mandate from bodies such as the RBI or SEBI.
• Affiliates: Internal entities within the group for consolidated risk management and reporting.

6. Enhanced Security Measures

We utilize industry-leading AES-256 encryption for data at rest and TLS 1.3 for data in transit. While we implement rigorous firewalls and intrusion detection systems, no digital transmission is 100% secure. Users are responsible for maintaining the confidentiality of their account credentials and API keys.

7. Data Retention and Deletion

In accordance with financial sector regulations, we retain transactional and KYC data for a minimum of 5 to 10 years, even after account closure. This is necessary for audit trails, dispute resolution, and legal compliance. Once the statutory period expires, data is securely purged or anonymized.

8. Your Rights

You have the right to access your data, request corrections to inaccurate information, and withdraw consent for marketing communications. To exercise these rights, please contact our Grievance Officer at the details provided below.

9. Policy Modifications

As the fintech landscape evolves, we may update this policy. Significant changes will be highlighted on our homepage or sent via email. Your continued use of zytePe services after such updates constitutes an acceptance of the new terms.

By using this website, you acknowledge that you have read, understood, and agreed to the data handling practices outlined in this Privacy Policy.