Privacy Policy

2. Storage of Personal Data

We store and process your Personal Data only in India, in accordance with the Reserve Bank of India (RBI) circular on the Storage of Payment System Data dated April 6, 2018. Our data centers and systems maintain full backup and disaster recovery mechanisms within India to ensure data integrity and compliance.

3. Sharing of Your Personal Data

Any Personal Data that we have access to shall never be shared without your consent. During various processes such as applications or availing product offerings, we may seek your explicit consent to use or share your Personal Data.

Data is shared only on a partial and “need-to-know” basis with designated personnel, partners, or service providers. We may share your information with competent legal, statutory, or regulatory authorities or partners/service providers acting on our behalf in the following cases:

For enabling the provision of the services you have availed, strictly on a “need-to-know” basis and subject to applicable laws.
When directed or required by legal, regulatory, statutory, or governmental authorities under applicable laws and regulations.
When required by financial institutions to verify, mitigate, or prevent fraud, manage risk, or recover funds in accordance with applicable regulations.

4. Usage of Your Personal Data

We use your Personal Data for the following purposes:

To facilitate and report transactions.
To conduct research and analytics for improving services and security.
To process your requests for products or services.
To share updates or changes to our products/services or their terms.
To investigate complaints, disputes, or claims.
To respond to your queries and feedback.
To verify your identity for providing our products/services.
To conduct lawful credit, screening, or due diligence checks.
To monitor, audit, and review our services periodically.
To undertake regulatory or management reporting and maintain risk models.
To perform audits and maintain accurate records.
To offer selective promotions and updates.

We also use your Personal Data to comply with applicable laws, regulations, and court or regulatory directives received by us.

5. Cookie Policy

A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back. We may use cookies and tracking technologies depending on the features offered.

No Personal Data is collected via cookies or tracking technologies.
If you have previously provided Personal Data, cookies may be tied to such information.
Cookies help improve your browsing experience and enable core functionality.

6. Links to Other Websites

Our website may contain links to third-party websites that are not maintained or controlled by us. This Privacy Policy applies only to our services. You are advised to read the privacy policies of those external websites before providing any personal information.

7. Reasonable Security Practices and Procedures

We take appropriate steps to safeguard your Personal Data against misuse, loss, unauthorized access, modification, or disclosure. We implement modern security technologies, including SSL encryption, access control, and periodic third-party cybersecurity audits.

To enhance user safety, we provide multiple security features such as Login/Logout options, AppLock functionality, and device binding, ensuring that one account cannot be accessed from multiple devices without additional authentication/OTP. Please do not share your login, password, or OTP details with anyone.

8. Contact Us

For any concerns, discrepancies, or grievances related to your Personal Data or this Privacy Policy, you can contact us at:

Organization: KPS Digital

Email: support@kpsdigital.in

9. Policy Review & Updates

This policy will be reviewed periodically and may change at any time. The latest version of this Privacy Policy will always be available on our official platform, KPS Digital.

This Privacy Policy is subject to changes based on business, legal, or regulatory requirements. We encourage you to review this policy regularly to stay informed about how we protect your information.