Privacy Policy

1. Scope of this Policy

This Policy applies to personal information collected when you browse the website, submit the contact/partner enquiry form, call or email us, or — where you become a retail partner — through the separate onboarding and KYC process governed by our Partner Agreement. It does not cover information handled solely by the banks, NBFCs, payments banks, insurers, or switch providers whose services our partners facilitate; their own privacy policies govern that data.

2. Information We Collect

We collect the following categories of information:

• Contact form / enquiry data: full name, phone number, email address, the reason for your enquiry, and any message you submit.
• Partner onboarding data (collected separately, outside this website, once an enquiry converts to onboarding): identity proof, address proof, PAN/Aadhaar details for KYC, business details, and bank account information for commission settlement — collected and processed under the terms of the Partner Agreement and applicable RBI/UIDAI norms.
• Technical data: IP address, browser type, device information, and pages visited, collected automatically for security and analytics purposes.
• Communications: records of correspondence if you contact us by phone, email, or WhatsApp.

We do not collect sensitive personal data such as biometric information or Aadhaar numbers through this website's contact form. Any such data collected during AEPS/BC banking transactions is captured directly on certified partner devices and governed by UIDAI and RBI rules applicable to those transactions, not by this website.

3. How We Use Your Information

We use the information we collect to:

• Respond to your enquiry and communicate with you about our services;
• Evaluate and process applications to become a retail partner;
• Improve our website, services, and partner support;
• Detect, prevent, and investigate fraud, security incidents, or misuse of the Platform;
• Comply with legal, regulatory, and law-enforcement obligations; and
• Send service-related communications (we do not send marketing messages without your consent).

4. Legal Basis for Processing

We process your personal data on the basis of your consent (for example, when you submit the contact form), for the performance of a contract (for example, the Partner Agreement once you onboard), and to comply with our legal obligations under applicable Indian law, including KYC/AML requirements that apply to financial service facilitation.

5. Sharing & Disclosure

We do not sell your personal information. We may share it with:

• Partner banks, NBFCs, payments banks, and insurers — where necessary to process a partner application or a specific financial service you have requested;
• Service providers who support our operations (for example, email delivery, hosting, and customer support tools), bound by confidentiality obligations;
• Regulators and law enforcement — where required by law, court order, or a valid regulatory request; and
• Successors — in the event of a merger, acquisition, or sale of assets, subject to equivalent privacy protections.

6. Cookies & Similar Technologies

This website does not currently set analytics or advertising cookies. Should we introduce analytics, session, or preference cookies in the future, this Policy will be updated to describe their purpose and your choices, including how to control them through your browser settings.

7. Data Retention

We retain contact-form enquiry data for as long as reasonably necessary to respond to your enquiry and for a limited period thereafter for record-keeping, unless you ask us to delete it sooner and no legal obligation requires retention. Partner KYC and transaction-related records are retained in line with RBI, UIDAI, and applicable AML record-keeping requirements, which may require retention for several years after the relationship ends.

8. Data Security

We implement reasonable technical and organisational safeguards — including access controls, encrypted transmission (HTTPS) of website data, and restricted internal access — designed to protect your information from unauthorised access, alteration, disclosure, or destruction. No method of transmission or storage is completely secure; while we work to protect your information, we cannot guarantee absolute security.

9. Your Rights & Choices

Subject to applicable law, you may have the right to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your information, where we are not otherwise required to retain it;
• Withdraw consent for processing based on consent, without affecting the lawfulness of processing before withdrawal; and
• Raise a grievance with our Grievance Officer (see Section 12) or the applicable data protection authority.

To exercise any of these rights, email contact@yblpay.online with your request; we will respond within a reasonable timeframe as required under applicable law.

10. Children's Privacy

The Platform is not directed at individuals under 18 years of age, and we do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us so we can take appropriate action.

11. Partner & End-Customer Data

Where our retail partners process end-customer data (for example, Aadhaar-based authentication during an AEPS transaction), that data is handled on UIDAI-certified devices under UIDAI and RBI frameworks specific to those transactions. Partners are contractually obligated under the Partner Agreement not to store, copy, or misuse such data beyond what a transaction requires. Questions about a specific transaction's data handling should first be directed to the retail partner or the underlying bank/NBFC involved, and may also be raised with us at the contact details below.

12. Grievance Officer

In accordance with the Information Technology Act, 2000 and rules made thereunder, the Grievance Officer for HVD Fintech Private Limited can be reached as follows:

Grievance Officer
HVD Fintech Private Limited
Office No. 20, Third Floor, Shree Siddheshwar Plaza,
Nr Sardar Estate, New VIP Road, Ajwa Road,
Vadodara, Gujarat 390019, India
Email: contact@yblpay.online
Phone: +91 90009 09090 (Monday–Saturday, 9 AM–8 PM)

We aim to acknowledge grievances promptly and resolve them within the timelines prescribed by applicable law.

13. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The "Last updated" date at the top of this page indicates when it was last revised. We encourage you to review this Policy periodically.

14. Contact Us

For any questions about this Privacy Policy or how we handle your data, please contact us:

HVD Fintech Private Limited
Office No. 20, Third Floor, Shree Siddheshwar Plaza,
Nr Sardar Estate, New VIP Road, Ajwa Road,
Vadodara, Gujarat 390019, India
Email: contact@yblpay.online
Phone: +91 90009 09090