Udgir KalyanPay Privacy Policy

1. Our Commitment to Your Privacy

Welcome to Udgir KalyanPay. We are dedicated to providing you with a secure and transparent credit card management service. This Privacy Policy outlines our practices for handling your information within the Udgir KalyanPay application (the "Service"). Our commitment is to collect only data that is essential for delivering and improving our services, in strict accordance with India's Digital Personal Data Protection Act (DPDPA).

To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ft.kalyanpaycredit.com

2. Information We Collect

To power the features of Udgir KalyanPay and maintain a secure environment, we request your consent to collect the following information. Please be aware that choosing not to provide certain data may limit your ability to use some features.

2.1. Phone Number:

Used as a primary identifier for your account and is essential for identity verification through OTP, which helps secure your account.

2.2. Email Address:

Used for account creation, password recovery, and to send you important service-related communications, such as security alerts or policy updates.

2.3. Camera and Image Information:

This permission is requested to allow you to personalize your profile by selecting an avatar from your photo gallery or taking a new picture with your camera. We want to assure you that any image you select is handled with the highest level of security. It is encrypted during transfer and stored securely. We will never access your photo gallery for any other purpose.

2.4. Emergency Contact Information:

As an additional security measure, we use this to notify you through a trusted contact if we detect unusual activity on your account and cannot reach you directly.

2.5. Identifiers (User ID, Device ID, and Advertising ID):

These unique identifiers help us secure your account, prevent fraudulent activity, and ensure a stable user experience. The Advertising ID is used for analytical purposes to improve our service and may be used to share relevant financial tips. You can reset or disable this in your device settings.

2.6. Approximate Location:

We collect your approximate location for security analysis to detect unusual login locations and for analytical purposes to understand our user base. We do not track your precise, real-time location.

2.7. Crash Logs:

To improve application stability, we automatically collect anonymous technical data if the app crashes. This information is analyzed to help our developers diagnose and fix bugs.

2.8. Installed Applications Information:

We collect a list of your installed applications primarily for security analysis and fraud prevention. This data is analyzed to assess risk and protect your account from threats associated with malicious applications.

2.9. Call Log:

We request one-time access to your call log for the sole purpose of automating your phone number verification during sign-up. The system detects our verification call to complete registration without requiring manual OTP entry. We do not read or store your personal call history.

3. How We Use Your Information

Your information is used for the following specific purposes:

3.1. To Provide and Secure the Service:

We use your data to manage your account, enable core features (like card integration and spending statistics), and protect against unauthorized access.

3.2. For Analysis and Service Improvement:

We analyze technical and usage data, such as location and installed apps, to enhance security, identify and resolve issues, and improve the overall user experience.

3.3. To Communicate with You:

We may use your contact information to send important updates, security alerts, or respond to your support inquiries.

4. Data Security and Protection

We implement robust, industry-standard security measures to protect your data, including:

4.1. Encryption:

All your data is protected with end-to-end encryption, both in transit and at rest on our secure servers.

4.2. Access Control:

We enforce strict internal access controls, ensuring that only authorized personnel can access user information.

5. Data Retention and Deletion

5.1. Retention Period:

We retain your data for as long as your account is active. To comply with Indian legal requirements, financial and personal data may be retained for five (5) years after your account is deleted.

5.2. Your Deletion Rights:

You have the right to request the deletion of your personal data at any time by contacting us at care@kalyanpaycredit.com. We will process verified requests within 15 working days.

5.3. Inactive Accounts:

Accounts that have been inactive for a continuous period of eighteen (18) months will be automatically scheduled for deletion after we provide you with a 30-day notice.

6. Information Sharing Policy

We do not sell your personal data. We will only share your information in two limited circumstances:

6.1. With Essential Service Partners:

We may share limited data with trusted partners (such as our cloud hosting provider) under strict confidentiality agreements.

6.2. For Legal Reasons:

We may disclose your information if required by law or a valid legal process.

7. Policy Updates

We may modify this Privacy Policy from time to time. We will post any changes on our website and, for significant updates, we will notify you directly within the app.

8. Contact Us

If you have any questions or concerns about this policy, please reach out to us.

Email: care@kalyanpaycredit.com

Website & Full Policy: https://www.kalyanpaycredit.com/privacy-policy

Response Time: We are committed to responding to all inquiries within 10 working days.