PRIVACY POLICY Last updated: [DATE] [COMPANY NAME] ("PAYINO", "we", "us", or "our") respects your privacy. This Privacy Policy explains what personal data we collect, how we use it, and your rights regarding that data, in accordance with the Digital Personal Data Protection Act, 2023 (India) and other applicable law. 1. INFORMATION WE COLLECT a. Account information: name, email address, phone number, and password (stored in encrypted form). b. Financial information: bank account details, UPI ID, and transaction history (Payin and Payout records, amounts, and status). c. Technical information: IP address, device and browser type, and login activity, collected for security and fraud-prevention purposes. d. Any information you provide when contacting support or raising a ticket. 2. HOW WE USE YOUR INFORMATION We use your information to: a. Create and manage your account; b. Process Payin and Payout requests; c. Verify your identity and prevent fraud, unauthorized access, and abuse; d. Maintain security logs (such as login activity and IP address) for account protection; e. Communicate with you about your account, transactions, or support requests; f. Comply with applicable legal and regulatory obligations. 3. HOW WE SHARE YOUR INFORMATION We do not sell your personal data. We may share your information: a. With authorized personnel within our organization who need it to process your transactions; b. With banking or payment partners strictly to the extent necessary to complete a transaction; c. With law enforcement or regulatory authorities where required by law; d. In connection with a merger, acquisition, or sale of assets, subject to confidentiality obligations. 4. DATA SECURITY We use industry-standard safeguards to protect your information, including encrypted password storage, secure session management, rate-limiting against abuse, and activity monitoring. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. 5. DATA RETENTION We retain your personal and transaction data for as long as your account is active and thereafter for as long as necessary to comply with legal, accounting, or regulatory requirements. 6. YOUR RIGHTS Subject to applicable law, you have the right to: a. Access the personal data we hold about you; b. Request correction of inaccurate or incomplete data; c. Request erasure of your data, subject to our legal and regulatory retention obligations; d. Withdraw consent for processing, where consent is the basis for processing, without affecting the lawfulness of processing carried out before such withdrawal. To exercise these rights, contact our Grievance Officer at the details below. 7. CHILDREN'S PRIVACY Our service is not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. 8. COOKIES AND TRACKING We may use cookies or similar technologies to maintain your session and improve the security and functionality of the platform. 9. CHANGES TO THIS POLICY We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy with a revised "Last updated" date. 10. GRIEVANCE OFFICER In accordance with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000, the Grievance Officer for data-related concerns is: Name: [GRIEVANCE OFFICER NAME] Email: [GRIEVANCE OFFICER EMAIL] Address: [REGISTERED ADDRESS] 11. CONTACT US For any questions about this Privacy Policy, contact us at: [SUPPORT EMAIL]