Privacy Policy

Information We Collect

When you use our platform, we may collect information to ensure secure transactions, compliance, and an improved user experience. This includes:

• Personal Information: Your full name, email address, phone number, physical address, and, where required, government-issued IDs (such as PAN or Aadhaar) for KYC purposes.
• Financial Information: Bank account details, UPI ID, credit/debit card information, and invoice or billing details for payment processing and compliance purposes.
• Technical Information: IP address, browser type and version, device details, operating system, logs of timestamps and activity, referral links, and clickstream data to understand platform usage.
• Cookies and Tracking Technologies: To remember preferences, manage sessions, improve functionality, personalize experience, and assist with analytics and fraud detection.

How We Use Your Information

We do not sell, trade, or rent your personal information. Data may be shared with trusted third parties under specific circumstances to:

• Process and complete financial transactions
• Authenticate users and merchants
• Comply with legal and regulatory obligations (e.g., KYC)
• Detect, investigate, and prevent fraud or security incidents
• Provide customer support and resolve disputes
• Maintain and improve our services
• Send service-related communications (e.g., alerts, updates)
• Conduct internal audits and analytics
• Personalize user experience and optimize content
• Market our services, subject to user consent

How We Share Your Information

We may share your data with:

• Payment Partners and Banks: To process transactions securely.
• Merchants: To confirm payment completion and related transactional details.
• Service Providers: Third-party vendors supporting operations such as KYC verification, fraud detection, IT infrastructure, cloud hosting, and analytics.
• Legal and Regulatory Authorities: When required by law or valid government requests.
• Corporate Transactions: In events like mergers, acquisitions, asset sales, or bankruptcy.

Data Retention

We retain personal and transactional information only as long as necessary to fulfill the purposes outlined here or as required by law. KYC documents and transaction records are generally retained for 8 to 12 months depending on regulations. Afterward, data is securely deleted or anonymized.

Data Security

We prioritize the security of your information using advanced measures including SSL/TLS encryption, regular vulnerability assessments, restricted access to sensitive data, multi-factor authentication, and real-time fraud monitoring.

User Rights

Depending on your location and applicable laws (such as GDPR), you may have the right to:

• Access: Request a copy of your personal data
• Correction: Rectify inaccurate or incomplete data
• Deletion: Request deletion of your personal data
• Withdraw Consent: Revoke previously given consent
• Object/Restrict Processing: Object to certain types of processing
• Data Portability: Receive your data in a structured, readable format

To exercise any of these rights, please contact us at radiantroostitservicespvtltd@gmail.com.

Cookies and Similar Technologies

We use cookies and similar tools to enhance functionality, remember preferences, maintain sessions, and analyze usage. You can manage or disable cookies through your browser settings, but note that doing so may affect platform functionality.

Third-Party Links and Services

Our platform may contain links to third-party websites, tools, or plugins (e.g., banks, KYC providers, analytics platforms). We are not responsible for their privacy practices or content, and we recommend reviewing their policies before sharing personal information.

Children's Privacy

Our services are not intended for individuals under 18 years of age, and we do not knowingly collect data from children. If we become aware that we have collected information without parental consent, it will be deleted promptly.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect legal, technical, or business changes. Updates will be posted with a revised "Last Updated" date, and we encourage users to review the policy regularly.

Consent and Acceptance

By accessing or using our platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree with our practices, you should not use our services.