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PRIVACY POLICY
WELCOME TO "payRup"!
We, BPS PLUS PRIVATE LIMITED, a company registered under the provisions of the Companies Act, 2013, having its registered office at 5th Floor (PayRup) Brigade IRV Centre, Nallurhalli Road, Nallurhalli, Whitefield, Bengaluru, Karnataka – 560066(hereinafter referred to as the “Company”, which expression shall, unless repugnant to the context thereof, be deemed to include its legal heirs, representatives, administrators, permitted successors, and assigns).
The Company is committed to safeguarding the privacy of its users and protecting the personal and financial information shared with it.
This Privacy Policy contains information about the PayRup website, mobile application, and related digital platforms (hereinafter referred to as the “Platform”).
In order to provide uninterrupted access to services, the Company may collect, process, store, and disclose certain information about users in accordance with applicable laws and this Privacy Policy. This Policy explains the manner in which such information is collected, used, shared, and protected, as well as the choices available to users.
This Privacy Policy is framed in accordance with applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, RBI guidelines, NPCI operating rules, and, where applicable, the General Data Protection Regulation (GDPR).
If you do not agree with the terms of this Privacy Policy, you are requested not to access or use the Platform. For any questions or concerns, you may contact us at [support@payrup.com].
ANY CAPITALISED TERMS USED HEREIN SHALL HAVE THE MEANINGS ASSIGNED TO THEM UNDER THIS POLICY. HEADINGS ARE FOR CONVENIENCE ONLY AND SHALL NOT AFFECT INTERPRETATION.
DEFINITIONS
- “We”,“Our”,“Us” shall mean and refer to the Company and/or the Platform.
- “You”,“Your”,“User”,shall mean any natural or legal person who accesses or uses the Platform and is competent to contract under Indian law.
- “Services” shall mean technology-enabled assisted and digital financial services including but not limited to Domestic Money Transfer (DMT), Aadhaar Enabled Payment System (AEPS), Micro ATM (MATM), BBPS, recharges, and allied services facilitated through RBI-authorised banks and NPCI-regulated networks.
INFORMATION WE COLLECT
We may collect the following categories of information:
- Name, mobile number, and email address
- Address and location details
- KYC information as mandated by applicable laws
- Transaction amount, date, time, and reference number
- Settlement and reconciliation records
- IP address, device ID, browser, and operating system details
- Platform usage data and analytics
- Aadhaar number in masked or tokenised form
- Biometric information captured only for real-time authentication
Biometric data is encrypted, processed in real time, and is never stored by PayRup.
PURPOSE OF INFORMATION COLLECTION
Information collected is used strictly for the following purposes:
- Facilitating financial transactions and services
- User onboarding and verification
- Fraud detection, AML monitoring, and risk management
- Regulatory compliance and audit requirements
- Customer support and grievance redressal
- Platform improvement and analytics
USE OF INFORMATION
The information provided by Users shall be used to:
- Provide and improve services
- Maintain internal records as required by law
- Communicate service-related information
We do not sell, rent, or trade personal information. Information is shared only on a need-to-know basis and in accordance with this Policy.
DATA LOCALISATION
All payment-related and transaction data is stored and processed on servers located within India, in compliance with RBI data localisation guidelines.
SHARING OF INFORMATION
Information may be shared with:
- RBI-authorised sponsor banks
- NPCI and regulated payment networks
- KYC, AML, fraud monitoring, and technology partners
- Government or regulatory authorities when required by law
All third parties are bound by confidentiality and data protection obligations.
DATA RETENTION
Personal and transaction data is retained only for such period as required under applicable laws, regulatory guidelines, audit, reconciliation, and dispute resolution Requirements. We retain personal information and transaction data for a minimum period of time or such longer duration as required under applicable laws, including but not limited to RBI guidelines, Prevention of Money Laundering Act (PMLA), Income Tax Act, and other regulatory requirements.
Data may also be retained beyond this period for audit, reconciliation, dispute resolution, fraud prevention, and compliance with regulatory or legal obligations. Upon expiry of the retention period, data is securely deleted or anonymized in accordance with applicable data protection standards.
COOKIES
The Platform uses cookies to enhance user experience, maintain secure sessions, and analyse usage patterns. Users may manage cookie preferences through browser settings; however, disabling cookies may limit certain functionalities.
USER RIGHTS
Subject to applicable laws, Users have the right to:
- Access their personal information
- Request correction of inaccurate data
- Withdraw consent where applicable
- Request deletion of data, subject to regulatory retention requirements
Requests may be sent to [support@payrup.com].
DATA RETENTION
Personal and transaction data is retained only for such period as required under applicable laws, regulatory guidelines, audit, reconciliation, and dispute resolution requirements.
SECURITY
We implement reasonable security practices including encryption, access controls, and secure infrastructure. While we strive to protect data, no system is completely secure and users acknowledge inherent internet risks.
AUTOMATED PROCESSING
Automated systems may be used for transaction monitoring, fraud prevention, and risk assessment. These systems do not make credit or legal decisions impacting user rights.
EXTERNAL LINKS
The Platform may contain links to third-party websites. The Company is not responsible for their privacy practices and encourages users to review their respective privacy policies.
CONFIDENTIALITY
User information is treated as confidential and disclosed only in accordance with this Policy or as required by law.
AMENDMENT
This Privacy Policy may be updated from time to time. Continued use of the Platform constitutes acceptance of the updated Policy.
SEVERABILITY
If any provision of this Policy is held invalid, the remaining provisions shall remain in full force and effect.
CONSENT WITHDRAWAL & DATA REQUESTS
Users may withdraw consent or request data access, download, or deletion by emailing [support@payrup.com].
CONTACT US
For any questions or concerns regarding this Privacy Policy, please contact us at: [support@payrup.com] We are here to assist you.
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