• Wallet balances, loan/credit history, repayment data, income information
• Credit scores and reports from authorized credit bureaus
c. Sensitive Personal Data
• Biometric data (fingerprints, face recognition, voice patterns) for secure
authentication
• Location data (GPS coordinates) for fraud detection, compliance, and transaction
security
• Credit scoring data and financial risk assessments
d. Device & Technical Data
• IP address, device ID, browser type, operating system details
• Cookies, pixels, and tracking technologies for analytics, personalization, and fraud
prevention
• App usage patterns, session data, and device fingerprinting information
e. Transaction & Business Data
• Payment amounts, merchant details, transaction timestamps and locations
• Business information including sales volumes, inventory data, and customer
demographics
• Communication records, customer service interactions, and feedback
3. HOW WE USE YOUR INFORMATION
We process data strictly for lawful, necessary, and transparent purposes, including:
• Payment Processing – To process transactions, settlements, domestic and
international transfers
• KYC/AML Compliance– To verify identity, prevent fraud, and comply with RBI &
legal mandates
• Credit & Lending Services – To assess creditworthiness, provide loans, and
manage repayments
• Fraud & Risk Management– To detect, investigate, and prevent suspicious or
unlawful activity using AI/ML algorithms
• Customer Support – To respond to queries, resolve disputes, and provide
assistance
• Service Improvement– To enhance user experience, optimize systems, and develop
new features
• Marketing & Communication – To send updates, offers, and service-related
information (with opt-out choice)
• Regulatory Reporting– To meet RBI, tax, and other statutory reporting
requirements
