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Privacy Policy

Last updated: January 2025

At Payshati Technology LLP, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information:

  • Name, email address, and phone number
  • Date of birth and gender
  • Address and location information
  • Government-issued identification documents (for KYC verification)
  • Bank account details and payment information

1.2 Transaction Information

We collect information about your transactions including:

  • Transaction history and details
  • Payment methods and transaction amounts
  • Service provider information
  • Device and network information

1.3 Technical Information

We automatically collect certain technical information when you use our platform:

  • IP address and device identifiers
  • Browser type and version
  • Operating system information
  • Usage data and analytics
  • Cookies and similar tracking technologies

2. How We Use Your Information

We use the collected information for the following purposes:

  • Service Delivery: To process your transactions, provide customer support, and deliver our services
  • Account Management: To create and manage your account, verify your identity, and maintain your profile
  • Communication: To send you transaction confirmations, updates, promotional offers, and important notices
  • Security: To detect, prevent, and address fraud, security breaches, and other illegal activities
  • Improvement: To analyze usage patterns, improve our services, and develop new features
  • Legal Compliance: To comply with applicable laws, regulations, and legal processes
  • Marketing: To send you marketing communications (with your consent) about our services and partners

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

  • Payment processors and financial institutions
  • Mobile operators, DTH providers, and utility companies
  • Cloud storage and hosting providers
  • Analytics and marketing service providers
  • Customer support service providers

3.2 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or if we believe such disclosure is necessary to:

  • Comply with legal obligations
  • Protect our rights, property, or safety
  • Protect the rights, property, or safety of our users or others
  • Prevent or investigate potential violations of our Terms

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal information.

3.4 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, secure socket layer (SSL) technology, firewalls, access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies.

6. Your Rights and Choices

You have certain rights regarding your personal information:

  • Access: You can request access to your personal information that we hold
  • Correction: You can request correction of inaccurate or incomplete information
  • Deletion: You can request deletion of your personal information, subject to legal obligations
  • Objection: You can object to certain processing activities
  • Portability: You can request a copy of your data in a portable format
  • Withdraw Consent: You can withdraw your consent for certain processing activities
  • Marketing Opt-Out: You can opt-out of marketing communications at any time

To exercise these rights, please contact us at privacy@payshati.com

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and personalize content. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our platform. For more information about our cookie practices, please refer to our Cookie Policy.

8. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third parties. We encourage you to read the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our services, you consent to the transfer of your information to these countries.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated Privacy Policy on our platform and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

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

Email: privacy@payshati.com

Support Email: support@payshati.com

Address: 105, Tengaguri, Bhuragaon, Morigaon, Assam, 782121 India

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105, Tengaguri, Bhuragaon

Morigaon, Assam, 782121 India

© 2026 Payshati Technology LLP. All rights reserved.

Payshati Technology LLP is not responsible for the products, services, availability, or accuracy of information provided by third-party service providers, including but not limited to mobile operators, DTH providers, utility companies, and billers. Payshati does not control and is not liable for the operations, service interruptions, or policy changes of these third-party providers.

By registering with Payshati, you agree to Payshati's Terms of Service, Privacy Policy, and Commission Policy.

*Payshati may charge a convenience or service fee on certain recharges or bill payments. Commission rates, offers, and earnings are subject to change at any time without prior notice. Earnings are credited only for successful and confirmed transactions.

**Referral and commission earnings are dependent on the activity of referred users and are governed by Payshati's referral program rules. Any misuse, fraudulent activity, or violation of terms may result in suspension or termination of the account and forfeiture of earnings.

***Cashback, discounts, and promotional benefits are subject to availability from respective service providers. Please consult the operator or biller for applicable offers and validity.

Payshati Technology LLP is a registered entity and operates as a digital recharge and bill payment facilitation platform. Payshati does not provide banking or financial advisory services.