Privacy Policy

1. Introduction

At Kortya Softcom Private Limited, we value your privacy. This Privacy Policy outlines how we collect, use, and protect your personal and financial information when you use the Kortya Pay Ultra platform. By using our services, you consent to the data practices described in this policy.

2. Data Collection

We collect information to provide you with seamless financial services, including:

• Personal Information: Name, address, phone number, email, and Aadhaar/PAN details.
• Financial Information: Bank account details, transaction history, and wallet balance.
• Technical Data: IP address, device type, browser information, and location data.

3. Usage of Data

We use your data to process transactions, fulfill legal and regulatory obligations (KYC/AML), improve our services, and communicate important updates. We do not sell your personal data to third parties for marketing purposes.

4. Data Sharing

We may share your data with trusted partners (such as banks or payment gateways) solely for the purpose of completing your transactions. We may also share information with government authorities if required by law, such as the PMLA or RBI mandates.

5. Security

We implement industry-standard encryption (AES-256) and security measures to protect your information against unauthorized access, alteration, or disclosure. However, no digital platform is 100% secure, and we encourage you to maintain the secrecy of your credentials.

6. Data Retention

We retain your personal and transaction data for as long as your account is active, or for a minimum of five (5) years after account closure, as required by Indian financial regulations and PMLA guidelines.

7. User Rights

You have the right to access, correct, or request the deletion of your personal data, subject to legal and regulatory restrictions regarding financial records. Contact our support team to exercise these rights.