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Privacy Policy

How we collect, use, and protect your personal information in compliance with Indian data protection laws.

Last Updated: March 15, 2026

1 Introduction

Infycore Payment Private Limited ("Infycore," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile applications, or access our financial services.

We are an RBI-registered Non-Banking Financial Company (NBFC) and payment aggregator, and we comply with all applicable Indian laws including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023.

By using our services, you consent to the practices described in this Privacy Policy. Please read this document carefully.

2 Information We Collect

We collect several types of information from and about users of our services, including:

2.1 Personal Information

  • Identity Information: Name, date of birth, PAN card, Aadhaar number, passport, driver's license
  • Contact Information: Email address, phone number, residential address, communication address
  • Financial Information: Bank account details, GST number, income details, credit history, transaction history
  • Business Information: Business name, business type, incorporation details, Udyam registration
  • KYC Information: Photographs, signatures, supporting documents for verification

2.2 Usage Information

  • Device information (IP address, browser type, operating system)
  • Log data (access times, pages viewed, links clicked)
  • Location information (with your consent)
  • Transaction data (payment history, transaction amounts, merchant details)

Note: We only collect information that is necessary for providing our services and complying with regulatory requirements. We never sell your personal information to third parties.

3 How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery

Process transactions, disburse loans, provide payment gateway services

Verification & KYC

Verify identity, comply with RBI regulations, prevent fraud

Customer Support

Respond to inquiries, resolve issues, provide assistance

Communication

Send service updates, transaction alerts, promotional offers (with consent)

Improvement

Analyze usage patterns, enhance user experience, develop new features

Legal Compliance

Meet regulatory obligations, respond to legal requests, prevent fraud

4 Information Sharing & Disclosure

We may share your information with:

Banking Partners

To facilitate transactions, process loans, and verify account details. This includes partner banks like SBI, HDFC, ICICI, Axis, and YES Bank.

Regulatory Authorities

When required by law, court order, or regulatory directive from RBI, Income Tax Department, or other government agencies.

Service Providers

Third-party vendors who assist in operations (cloud services, customer support, analytics) under strict confidentiality agreements.

Credit Bureaus

To report and check credit information with CIBIL, Experian, Equifax, and CRIF High Mark as per RBI guidelines.

We do NOT sell, rent, or trade your personal information to third parties for marketing purposes.

5 Data Security

We implement robust security measures to protect your information:

256-bit Encryption

PCI DSS Compliant

ISO 27001 Certified

Data Masking

All data is stored on secure servers in India with restricted access. We conduct regular security audits and penetration testing. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6 Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

Cookie Type Purpose Duration
Essential Authentication, security, session management Session
Functional Remember preferences, language settings 1 year
Analytics Understand user behavior, improve services 2 years
Marketing Personalized offers (with consent) 90 days

You can control cookie preferences through your browser settings. Disabling cookies may affect certain functionalities.

7 Your Rights & Choices

Under Indian data protection laws, you have the following rights:

Right to Access: Request a copy of your personal information
Right to Correction: Update or correct inaccurate information
Right to Deletion: Request deletion of your data (subject to legal retention requirements)
Right to Withdraw Consent: Withdraw consent for marketing communications
Right to Grievance: Lodge complaints with our Grievance Officer

To exercise these rights, please contact us at dpo@infycore.com or call +91 88585 85769.

8 Third-Party Links

Our website and applications may contain links to third-party websites (banking partners, payment gateways, etc.). We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any information.

9 Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you become aware that a minor has provided us with personal information, please contact us immediately.

10 International Data Transfers

Your information is primarily stored on servers located in India. In certain cases, we may use cloud services that involve data transfer outside India. Such transfers are conducted in compliance with applicable laws and with appropriate safeguards.

11 Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes through:

  • Email notification to registered email address
  • Prominent notice on our website
  • In-app notifications

The "Last Updated" date at the top of this policy indicates when it was last revised.

12 Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@infycore.com

Phone: +91 88585 85769 (Mon-Fri, 9 AM - 6 PM)

Address: Infycore Payment Pvt Ltd, 3rd Floor, Embassy Tech Village, Outer Ring Road, Devarabeesanahalli, Bengaluru - 560103

13 Grievance Officer

In compliance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, we have appointed a Grievance Officer:

Mr. Suresh Iyer

Grievance Officer

Email: grievance@infycore.com

Phone: +91 88585 85770

Response Time: Within 24 hours (initial acknowledgment), resolution within 30 days

If you are not satisfied with our response, you may escalate to the relevant regulatory authority.

By using Infycore services, you acknowledge that you have read and understood this Privacy Policy.

Last updated: March 15, 2026 | Version 2.3

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