UniHubPay is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal information when you use our platform and services.
1. Information We Collect
Personal Information
When you register and use UniHubPay, we collect:
- Full name, email address, and mobile number
- Date of birth and gender
- Government-issued ID documents (Aadhaar, PAN, etc.) for KYC verification
- Bank account details and UPI IDs
- Residential address and postal code
- Profile photograph
Transaction Information
- Payment history and transaction records
- Wallet balance and fund transfers
- Bill payment details
- Recharge and booking information
- Cashback and rewards earned
Device & Usage Information
- Device type, model, and operating system
- IP address and location data
- App usage patterns and session duration
- Crash reports and error logs
- Browser type and version (for web access)
2. How We Use Your Information
We use your information for the following purposes:
- Account Management: Create and manage your account, verify your identity
- Transaction Processing: Execute payments, transfers, recharges, and bookings
- Security & Fraud Prevention: Detect suspicious activities and prevent unauthorized access
- Customer Support: Respond to inquiries, resolve issues, and provide assistance
- Communication: Send transaction alerts, notifications, and promotional offers
- Service Improvement: Analyze usage data to enhance features and user experience
- Legal Compliance: Meet regulatory requirements and respond to legal requests
- Personalization: Tailor content, offers, and recommendations based on your preferences
3. Information Sharing
We do not sell or rent your personal information. We may share your data with:
- Payment Partners: Banks, payment gateways, and UPI service providers to process transactions
- Service Providers: Third-party vendors for bill payments, recharges, and bookings
- Technology Partners: Cloud hosting, analytics, and security service providers
- Legal Authorities: When required by law, court order, or regulatory bodies
- Business Transfers: In case of merger, acquisition, or sale of company assets
All third parties are contractually obligated to maintain data confidentiality and security.
4. Data Security
We implement robust security measures to protect your information:
- End-to-end encryption for all data transmission
- Secure socket layer (SSL) certificates
- Encrypted storage of sensitive information
- Two-factor authentication (2FA) and OTP verification
- Regular security audits and vulnerability assessments
- Restricted access to personal data by authorized personnel only
- Secure backup and disaster recovery systems
Note: While we use industry-standard security practices, no system is completely secure. We cannot guarantee absolute protection against all threats.
5. Your Privacy Rights
You have the following rights regarding your personal data:
- Access: Request a copy of the personal information we hold about you
- Correction: Update or correct inaccurate or incomplete information
- Deletion: Request deletion of your account and personal data (subject to legal retention requirements)
- Opt-Out: Unsubscribe from marketing emails and promotional notifications
- Data Portability: Receive your data in a machine-readable format
- Restriction: Request limitation on how we process your information
- Objection: Object to processing of your data for specific purposes
To exercise your rights, contact us at [email protected] or through in-app support.
6. Cookies & Tracking
We use cookies and similar technologies to improve your experience. These help us:
- Remember your login credentials and preferences
- Analyze app performance and user behavior
- Provide personalized content and advertisements
- Enhance security and prevent fraud
You can manage cookie preferences through your browser or device settings.
7. Data Retention
We retain your personal information only as long as necessary to:
- Provide our services and maintain your account
- Comply with legal, tax, and regulatory obligations
- Resolve disputes and enforce our agreements
- Prevent fraud and maintain security records
After the retention period, we securely delete or anonymize your data in accordance with applicable laws.
8. Children's Privacy
UniHubPay is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take immediate steps to delete such information.
9. Third-Party Services
Our platform may contain links to third-party websites or services (payment gateways, booking platforms, etc.). We are not responsible for their privacy practices. Please review their privacy policies before sharing any information with them.
10. International Transfers
Your information may be transferred to and stored on servers located outside India. We ensure that appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.
11. Updates to Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes through:
- Email notification to your registered email address
- In-app notification or banner message
- Update on our website at unihubpay.com
Continued use of our services after changes indicates acceptance of the updated policy.
By using UniHubPay, you acknowledge that you have read, understood, and agree to this Privacy Policy and consent to the collection, use, and sharing of your information as described herein.