Privacy Policy

1. Introduction

Welcome to Udharsathi ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our website, mobile application, and payment processing services.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact and account information
• Basic information collected during onboarding
• Bank account or UPI details (added later in Profile for payouts)
• UPI ID and payment mandate details
• Transaction history and payment records

2.2 Automatically Collected Information

When you use our services, we may automatically collect:

• Device information (IP address, browser type, device type)
• Usage data (pages visited, time spent, features used)
• Location data (if permitted)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide, maintain, and improve our services
• To process payments and manage UPI Autopay mandates
• To complete your onboarding and provide the service
• To communicate with you about your account and transactions
• To send you important updates, security alerts, and support messages
• To detect, prevent, and address technical issues and fraud
• To comply with legal obligations and regulatory requirements
• To analyze usage patterns and improve user experience

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Payment Processors: With banks, payment gateways, and UPI service providers to process transactions
• Service Providers: With third-party service providers who assist us in operating our services
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security audits and vulnerability assessments
• Compliance with PCI DSS standards for payment data
• Employee training on data protection and privacy

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Your Rights

Under applicable Indian laws, including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023, you have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Object to processing of your personal information
• Data portability (receive your data in a structured format)
• Withdraw consent at any time

To exercise these rights, please contact us at support@udharsathi.in

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our services and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. We will delete or anonymize your personal information when it is no longer needed.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us: