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Privacy Policy

Effective Date: May 30, 2025

At ESAAS TECHNOLOGIES PVT LTD ("we," "us," or "our"), we are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, store, share, and protect your personal data when you access our website www.paykraft.com, mobile app, or use our services, including APIs and other features (collectively, the "Services"). By using our Services, you consent to the practices described in this Privacy Policy, in accordance with our Terms and Conditions.

⚠️ Please read this policy carefully. If you do not agree with these practices, please do not use our Services.

1. Personal Data We Collect

Personal data means any information that can identify you, either directly or indirectly. We collect the following types of data:

Identity Data: Name, username, date of birth, gender, or similar identifiers.
Contact Data: Email address, phone number, or social media details.
KYC Data: Government-issued IDs (e.g., Aadhaar, PAN, Voter ID) for identity verification, as required by law or for service provision.
Financial Data: Bank account details, payment card information, transaction history, or credit data.
Device Data: IP address, browser type, device type, operating system, and network information.
Usage Data: Information about how you interact with our Services, such as pages visited, features used, or time spent.
Aggregated Data: Statistical or anonymized data derived from personal data (e.g., usage trends), which is not considered personal data under applicable laws.

We do not collect special categories of personal data (e.g., race, religion, health, biometric data beyond KYC requirements, or criminal records) unless required by law or explicitly consented to by you.

2. How We Collect Your Data

We collect personal data:

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Directly from You: When you provide information during registration, KYC processes, or interactions with our Services (e.g., filling out forms or contacting support).
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Automatically: Through cookies, web beacons, or other tracking technologies that collect device and usage data.
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From Third Parties: From partners like credit bureaus, financial institutions, or identity verification services to facilitate Services or comply with regulations.

You confirm that all data you provide is accurate and up-to-date. You may review or update your data by contacting us (see Section 9).

3. How We Use Your Data

We use your personal data to:

Register you as a user and deliver Services (e.g., process transactions or loan applications).
Verify your identity and prevent fraud or unauthorized activity.
Communicate with you about your account, Service updates, or promotional offers (where permitted).
Improve our Services through analytics and user feedback.
Comply with legal obligations, such as anti-money laundering or tax reporting requirements.
Personalize your experience with tailored content or recommendations.

We only process data:

  • With your consent (e.g., for marketing).
  • To fulfill our contract with you (e.g., providing Services).
  • To comply with legal requirements.
  • For legitimate interests (e.g., fraud prevention or analytics), provided your rights are not overridden.

4. Sharing Your Data

We do not sell your personal data.

We may share it with:

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Service Providers: Trusted vendors (e.g., payment processors, cloud providers) who assist in delivering Services, bound by confidentiality agreements.
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Regulatory Authorities: To comply with laws or regulations (e.g., RBI, UIDAI).
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Business Partners: For fraud prevention, credit checks, or KYC verification, with your consent or as required by law.
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Successors: In case of a merger, acquisition, or sale of assets, your data may be transferred.

5. Data Security

We implement industry-standard security measures, including encryption, firewalls, and secure socket layer (SSL) technology, to protect your data. These measures comply with the Information Technology Act, 2000, and related rules. However, no system is completely secure, and you acknowledge the risks of data transmission over the internet.

🔐 You are responsible for keeping your account credentials (e.g., password) confidential and not sharing them with others.

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy or as required by law. After termination of your use of our Services, we may retain data for a reasonable period to comply with legal obligations or resolve disputes.

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings, but disabling cookies may affect Service functionality.

8. Your Rights

Depending on your jurisdiction, you may have rights to:

Access, correct, or delete your personal data.
Restrict or object to data processing.
Request data portability.
Opt out of marketing communications.

To exercise these rights, contact us (see Section 9). We will respond within the timeframes required by law (e.g., 30 days under GDPR or CCPA).

If we cannot provide requested data due to legal obligations, we may limit or cancel your access to Services and notify you accordingly.

9. Grievance Redressal

For questions, complaints, or to exercise your data rights, contact our Grievance Officer:

Grievance Officer

ESAAS TECHNOLOGIES PVT LTD

2nd Floor, WeWork Salarpuria Symbiosis, Bannerghatta Road, Arekere Village, Bengaluru, Karnataka 560076

We will address inquiries within 20 days, as required by the Information Technology Act, 2000.

10. International Data Transfers

If you are outside India, your data may be transferred to and processed in India or other jurisdictions. We use safeguards (e.g., Standard Contractual Clauses) to ensure compliance with data protection laws.

11. Business Transitions

If we undergo a merger, acquisition, or asset sale, your personal data may be transferred. We will notify you before any such transfer affects your data.

12. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on our website and, where appropriate, notified via email or on-screen prompts. Continued use of the Services after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

ESAAS TECHNOLOGIES PVT LTD

2nd Floor, WeWork Salarpuria Symbiosis, Bannerghatta Road, Arekere Village, Bengaluru, Karnataka 560076