Privacy Policy

Subidha Fintech India Private Limited

Website: https://subidhafintech.com

Last Updated: 07-01-2026

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1. Introduction

Subidha Fintech India Private Limited ("Company", "we", "us", "our") respects the privacy of its users and is committed to protecting personal information shared with us through our website, mobile application, and services (collectively, the "Platform").

This Privacy Policy explains how we collect, use, store, disclose, and protect user information in accordance with the Information Technology Act, 2000, SPDI Rules, 2011, and applicable RBI guidelines.

2. Consent

By accessing or using our Platform and services, you consent to the collection, use, storage, and disclosure of your information as described in this Privacy Policy.

If you do not agree, please discontinue use of the Platform.

3. Information We Collect

3.1 Personal Information

• Full name
• Mobile number
• Email address
• Residential address

3.2 KYC & Sensitive Personal Data

For remittance and regulatory compliance, we may collect:

• Government-issued identity documents (Aadhaar, PAN, Passport, Voter ID, etc.)
• Photographs or live selfies (if required)
• Bank account details
• Transaction history

3.3 Technical & Usage Information

• IP address
• Device information
• Browser and operating system
• Log files and usage data

4. Purpose of Data Collection

We collect user information for the following purposes:

• Providing recharge, remittance, taxi booking, and IT services
• User authentication and account management
• KYC, AML, and fraud prevention
• Compliance with RBI, FEMA, and legal obligations
• Customer support and dispute resolution
• Improving platform security and performance

5. Use of Information

User information shall be used strictly for lawful purposes and shall not be sold or rented to third parties.

We do not use user data for advertising or marketing through third-party ad platforms.

6. Disclosure of Information

We may disclose user information only in the following circumstances:

• To banks, financial institutions, and payment partners
• To telecom operators for recharge services
• To government authorities or regulators when required by law
• To service providers assisting in platform operations

All such disclosures are made on a need-to-know basis and subject to confidentiality obligations.

7. Data Storage & Retention

User data is stored on secure servers located in India or other jurisdictions permitted by law.

KYC and transaction data may be retained for such period as required under RBI, AML, or other applicable laws, even after account closure.

8. Data Security Measures

We implement reasonable security practices and procedures including:

• Encryption of sensitive data
• Secure access controls
• Regular security audits
• Restricted employee access

However, no system is completely secure, and we cannot guarantee absolute security of information.

9. User Rights

Users have the right to:

• Access their personal information
• Request correction of inaccurate data
• Withdraw consent (subject to legal obligations)
• Request account closure

Certain data may not be deleted if retention is required by law.

10. Cookies & Tracking

We may use cookies or similar technologies to enhance user experience and improve platform performance. Users may disable cookies through browser settings, though some features may not function properly.

11. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices of such third parties.

12. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors.

13. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes shall be effective immediately upon posting on the Platform.

14. Grievance Redressal

In accordance with the Information Technology Act, 2000, users may contact our Grievance Officer for any privacy-related concerns.

Grievance Officer: [Name]
Email: [Email Address]
Response Time: Within 30 days

15. Contact Information

Subidha Fintech India Private Limited
Website: https://subidhafintech.com