🔐 PRIVACY POLICY

CREDVIA Innovations Private Limited
Last Updated: 2025

1. Introduction

CREDVIA Innovations Private Limited (“CREDVIA”, “Company”, “We”, “Our”, “Us”) is a technology-enabled digital platform providing access to financial, utility, payment, business, and facilitation services.

This policy explains how we collect, use, store, share, and protect user information.

By using CREDVIA, you agree to this Privacy Policy.

2. Applicability

  • Super Distributors
  • Distributors
  • Retailers
  • Customers
  • White Label Partners
  • API Partners
  • Business & Franchise Partners

3. Information We Collect

3.1 Personal Information
  • Full Name
  • Mobile Number
  • Email Address
  • Residential / Business Address
  • Date of Birth (if required)
3.2 KYC & Compliance
  • PAN details
  • Aadhaar (masked/encrypted)
  • Business documents
  • Bank account details

Note: CREDVIA does NOT store biometric data.

3.3 Transaction Information
  • BBPS transactions
  • AEPS / DMT logs
  • Payment references
  • Wallet records
3.4 Technical Data
  • IP address
  • Device type
  • Browser info
  • Login timestamps

4. Purpose of Data Collection

  • Service delivery
  • KYC verification
  • Transaction processing
  • Customer support
  • Fraud prevention
  • Legal compliance

5. BBPS & Regulatory Compliance

Services are governed by NPCI, RBI & regulatory authorities. Data is shared only with authorized partners.

6. Credit Card & Payment Security

  • We do NOT store card details
  • No CVV / PIN / OTP stored
  • Secure payment gateways used

7. Data Sharing

  • Banks & financial institutions
  • NPCI & BBPS billers
  • Technology partners
  • Government authorities (if required)

We never sell user data.

8. Facilitation Services Disclaimer

CREDVIA acts only as a technology facilitator for solar, courier, visa, and other services.

9. Fraud Monitoring

  • Transaction monitoring
  • Account suspension
  • Authority reporting

10. User Responsibilities

  • Protect credentials
  • Do not share OTPs
  • Ensure correct transaction data

11. Data Retention

Data retained only for regulatory & business needs, then securely deleted.

12. Security Practices

  • Encrypted data
  • Secure servers
  • Access control

13. Policy Updates

We may update this policy anytime. Continued use implies acceptance.

Contact Information

📧 help@credvia.org

📞 96945-11170

🏢 CREDVIA Innovations Private Limited