Privacy Policy

1. Introduction

This document is an electronic record in terms of the Information Technology Act, 2000 and rules thereunder as applicable and amended from time to time, including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. This electronic record is generated by an electronic system and does not require any physical or digital signatures.

M/s. Jaikalki Technology Private Limited ("Company," "we," "us," or "our") operates https://gurutvapay.com ("Platform"), a payment processing service provider. We are committed to safeguarding the privacy of our users ("User," "you," or "your"). This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. By accessing or using our Platform, you consent to the practices described in this policy.

2. Information We Collect

We collect various types of information to provide and improve our services:

• Personal Information: Includes your full name, mobile number, email address, residential and business addresses, and other contact details.
• KYC Documentation: Such as PAN Card, Aadhaar Card, GST Registration, Business Incorporation Certificate, and other regulatory documents.
• Banking Details: Including bank account number, IFSC code, UPI ID, and other necessary financial credentials.
• Transactional Information: Details related to payments, settlements, chargebacks, and refunds processed through our Platform.
• Device & Technical Information: IP address, browser type, operating system, and other technical identifiers used to secure your access to our Platform.

3. How We Use Your Information

We collect and process personal data strictly for the following purposes:

• Account Registration & Verification: To comply with regulatory requirements and establish your account.
• Service Provisioning & Maintenance: To enable seamless transactions and prevent fraud.
• Regulatory & Compliance Obligations: To report transactions to appropriate authorities as per Indian financial regulations.
• Security & Fraud Prevention: To monitor and prevent unauthorized activities, hacking attempts, and fraudulent transactions.
• Communication & Customer Support: For service updates, transaction alerts, and user assistance.

4. Data Protection & Security

We implement industry-standard encryption and security protocols to safeguard user data. Sensitive personal and financial data are stored in compliance with applicable data protection laws. Users are responsible for maintaining the confidentiality of their credentials. We are not liable for data breaches resulting from cyberattacks beyond our control.

5. Data Sharing & Disclosure

We do not sell user information. However, we may share data under the following circumstances:

• Legal Compliance: When required by law enforcement agencies or regulatory bodies.
• Third-Party Service Providers: For transaction processing, fraud detection, and KYC verification.
• Business Transfers: In case of mergers, acquisitions, or business restructuring.

6. Data Retention

We retain user information for as long as necessary for compliance and operational purposes. Upon account closure, some data may be stored as per legal requirements.

7. User Rights

Users have the right to:

• Access: Request access to personal data.
• Correction: Seek correction of inaccuracies.
• Deletion: Request deletion, subject to regulatory constraints.

For data-related queries, contact us at support@gurutvapay.com.

8. Cookies and Tracking Technologies

Our Platform may use cookies and similar tracking technologies to enhance user experience, analyze usage patterns, and deliver personalized content. You can control the use of cookies through your browser settings.

9. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage users to read the privacy policies of any linked websites.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Users will be notified of any significant changes, and continued use of the Platform after such changes constitutes acceptance of the new policy.

11. Contact Information

For any questions or concerns regarding this Privacy Policy, please contact us at:

• contact@gurutvapay.com
  
• Address: Sh N B1/A Grd Flr Mahavir Ngr, Deepak Hospital, Mira Road, Thane, Maharashtra, 401107

By using our Platform, you acknowledge that you have read, understood, and agree to this Privacy Policy.