Privacy Policy

1. Introduction

Aurape Solutions Private Limited ("Fino Pay Hub", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment solutions and services.

2. Information We Collect

2.1 Personal Information

• Name, email address, phone number
• Business information and KYC documents
• Bank account details and financial information
• Government-issued identification documents
• Address and location information

2.2 Transaction Information

• Payment transaction details
• UPI IDs and payment methods
• Transaction history and patterns
• Merchant and customer interaction data

2.3 Technical Information

• IP address, browser type, and device information
• Usage patterns and interaction data
• Cookies and tracking technologies
• Location data (with consent)

3. How We Use Your Information

• To provide and maintain our payment services
• To process transactions and prevent fraud
• To comply with legal and regulatory requirements
• To improve our services and develop new features
• To communicate with you about services and updates
• To provide customer support and resolve issues
• To conduct risk assessment and security monitoring

4. Information Sharing and Disclosure

We may share your information with:

• Payment Partners: Banks, payment gateways, and UPI providers
• Regulatory Authorities: RBI, tax authorities, and law enforcement
• Service Providers: Third-party vendors who assist our operations
• Business Partners: With your consent for specific services
• Legal Requirements: When required by law or court orders

5. Data Security

We implement industry-standard security measures:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication and access controls
• Regular security audits and penetration testing
• PCI DSS compliance for payment card data
• Data masking and tokenization techniques
• Secure data centers with 24/7 monitoring

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Prevent fraud and maintain security

Transaction data is typically retained for 7 years as per RBI guidelines.

7. Your Rights

You have the right to:

• Access and review your personal information
• Request correction of inaccurate data
• Request deletion of your data (subject to legal requirements)
• Object to processing of your data
• Data portability where technically feasible
• Withdraw consent (where processing is based on consent)

8. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze usage patterns and improve services
• Provide personalized experiences
• Ensure security and prevent fraud

You can control cookie settings through your browser preferences.

9. Children's Privacy

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

10. International Transfers

Your data may be transferred to and processed in countries outside India. We ensure appropriate safeguards are in place to protect your information in accordance with applicable laws.

11. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date.

12. Contact Information

If you have questions about this Privacy Policy, please contact us:

13. Governing Law

This Privacy Policy is governed by the laws of India, including the Information Technology Act, 2000 and the Personal Data Protection Bill (when enacted).