Privacy Policy & Prominent Disclosure

Prominent Disclosure - It is important that you understand what information app collect and uses.

(a) Image Upload : App need images to verify your identity for prevent fraud. (b) Device Location - App uses location access to get your login location to prevent unauthorized login. (c) Phone Number - App uses phone number for login purpose. (d) Email - App uses email for password recovery purpose and send order related update.

We provide secure collect and generate data about you.

Data by which you are identified is termed as “Your Personal Data”.
Personal Data does not include any information that is freely available or accessible in public domain.

Your Privacy is our most importance to us and protection of your Personal Data is a key commitment for us.

I. Your Personal Data

Your Personal Data we collect from you are as under these circumstances

Personal details like name, contact details, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or other details need to open an account with us and/or avail other services from us.

Your MitroPay account details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.

Financial details like income text, expenses, and/or credit history needed as part of application request for some of our services.

Images of documents/ photos uploaded by you are required to open and maintain MitroPay account with us and/or avail our services from us.

Customer voice recordings of our conversations with our customer care agent with you to address your queries/grievances

Employment details such as occupation, positions held, employment history, salary and/or benefits as part of our record retention for MitroPay KYC Data Registry purposes under Prevention of Money Laundering Rules, 2005

Specimen signature(s) for processing of your instructions received by us through our various payment channels

Your opinions about our services provideds feedback or responses to surveys

Your information obtained from your mobile/PC device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.

II. Storage Of Your Personal Data

We store and process your Personal Data only in India, in accordance with RBI circular in respect of the Storage of Payment System Data dated 6th April 2018.

Our backup data center and systems also maintain backup in case of data loss due to system failure for recovery in India.

III. Sharing Of Your Personal Data

Any Personal Data that we have access to shall never be shared without your permission.

In various processes / submission of applications / availment of services offerings, we even seek your explicit consent to use / share your Personal Data.

In our services and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers.

We will share your data with competent/ legal/statutory/regulatory agencies / authorities or partners/service providers acting on our behalf (as the case may be) in following cases...

Only for enabling the provision of the banking services availed by you, strictly on a “need to know” basis and subject to applicable laws.

It is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.

It is required by banks/financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

IV. Usage Of Your Personal Data

We use your Personal Data to avoid fraud occuring in our services activities for providing ours’ products/services and to perform, among other actions, the following...

To facilitate the smooth banking transactions or report on these transactions.

To undertake research and analytics for offering or improving our banking services and their security and service quality.

To check and process your applications submitted to us for banking services and/or instructions or requests received from you in respect of these services.

To share with you, updates on changes to the banking services and their terms and conditions.

To take up or investigate any complaints/claims/disputes.

To respond to your queries or feedback submitted by you.

To verify your identity for us to provide banking services to you.

To carry credit checks, screenings or due diligence checks as lawfully required by us;

To monitor and review banking services from time to time.

To undertake financial/regulatory/management reporting, and create and maintain various risk management models

For conducting audits and for record keeping purposes.

For selective offers and promotions.

We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.

V. Our Cookies Policy

We use cookies in our website/app to maintain the smooth work of our services

Please note that a "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.

We may use cookie and tracking technology depending on the features offered.

No Personal Data will be collected via cookies and other tracking technology however, if you previously provided Personal Data, cookies may be tied to such information.

VI. Other Links In Our Websites/App

Our website may be contain links to other websites which are not maintained by us. This privacy policy only applies to our websites/app. You need to read the other websites’ privacy policies when visiting these websites.

VII. Security & Protection Of Your Personal Data

We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.

We have provided multiple levels of security to safeguard your app by Login/Logout option and other feature that can be enabled by you. We also ensure the device binding so that the same login can not be used on different device without any additional authentication/OTP. Please do not share your login user id, password and OTP details with anybody.

Notes :-

In this policy, the words “we”, “ours” and/or “us” refer to MitroPay and “you” and/or “your” refer to our customers.