Privacy Policy
Table of Contents
1. Introduction
Unibeck Technologies ("we", "us", "our", or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website unibecktechnologies.com, use our mobile applications, and access our payment solutions and services (collectively referred to as "Services").
Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Services. By using our Services, you acknowledge that you have read and agree to be bound by all the terms of this Privacy Policy.
2. Information We Collect
2.1 Information You Provide Directly
We collect information that you voluntarily provide to us when you:
- Register an Account: Name, email address, phone number, business details, address, and identification documents (PAN, GSTIN, etc.)
- Complete KYC: Personal identification information, banking details, financial records, and compliance documents
- Make Transactions: Payment information, transaction history, beneficiary details, and amounts
- Communicate with Us: Messages, inquiries, feedback, and support requests
2.2 Information Collected Automatically
When you access our Services, we automatically collect certain technical information:
- IP address and device identifiers
- Browser type and version
- Operating system information
- Pages visited, time spent, and clickstream data
- Device location data (with your permission)
- Cookies and similar tracking technologies
2.3 Information from Third Parties
We may receive information about you from:
- Payment gateways and acquiring banks
- KYC verification services and identity providers
- Financial institutions and regulatory bodies
- Fraud detection and security services
3. How We Use Your Information
We use the information we collect for various purposes:
- Service Delivery: Processing payments, managing accounts, and providing customer support
- Verification & Compliance: KYC verification, fraud prevention, and regulatory compliance
- Security: Detecting and preventing unauthorized access, fraud, and security breaches
- Communication: Sending transactional emails, service updates, and important notices
- Marketing: Informing you about new features, promotions, and services (with your consent)
- Analytics: Understanding user behavior and improving our Services
- Legal Obligations: Complying with laws, regulations, and court orders
- Business Operations: Auditing, accounting, and business analysis
4. Data Protection & Security
We implement industry-standard security measures to protect your information, including:
- Encryption: SSL/TLS encryption for data in transit and AES encryption for data at rest
- Access Controls: Role-based access restrictions and multi-factor authentication
- Regular Audits: Periodic security assessments and vulnerability testing
- Secure Infrastructure: PCI-DSS compliant servers and secure data centers
- Employee Training: Regular privacy and security training for all staff members
5. Third-Party Sharing
We may share your information with third parties in the following circumstances:
- Service Providers: Payment processors, banks, and technology providers who assist in delivering our Services
- Regulatory Authorities: RBI, NEFT, IMPS operators, and other regulatory bodies as required by law
- Law Enforcement: Government agencies, courts, and law enforcement upon legal request or warrant
- Business Partners: Partners for co-branded services or integrated offerings (with your consent)
- Fraud Prevention: Credit bureaus and fraud detection services for security purposes
We do not sell your personal information to third parties for marketing purposes without your explicit consent. Any sharing is done in compliance with applicable laws and data protection regulations.
6. Your Rights
Under applicable data protection laws, you have the following rights:
- Right to Access: Request access to the personal data we hold about you
- Right to Correction: Request correction or update of inaccurate information
- Right to Deletion: Request deletion of your data (subject to legal retention requirements)
- Right to Opt-Out: Withdraw consent for marketing communications at any time
- Right to Data Portability: Request your data in a portable, machine-readable format
- Right to Restrict Processing: Restrict how we process your information
To exercise any of these rights, please contact us using the details provided in the Contact Us section. We will respond to your request within 30 days as per applicable regulations.
8. Data Retention
We retain your information based on the following principles:
- Active Accounts: Information retained for the duration of your account and ongoing business relationship
- Transaction Data: Retained for a minimum of 10 years as per RBI and financial regulations
- Closed Accounts: Retained for 5 years post-closure for legal and compliance purposes
- Marketing Data: Retained until you unsubscribe or withdraw consent
- Cookies: Retained for the period specified in cookie settings (typically 1-2 years)
After the retention period, we securely delete or anonymize your information unless we are required to retain it for legal or regulatory purposes.
9. Compliance with Laws
This Privacy Policy complies with applicable privacy and data protection laws including:
- Information Technology Act, 2000 (IT Act)
- Digital Personal Data Protection Act, 2023 (DPDP Act)
- Reserve Bank of India (RBI) Payment System Regulations
- Prevent Money Laundering Act, 2002 (PMLA)
- Know Your Customer (KYC) guidelines
We continuously update our practices to remain compliant with evolving regulatory requirements and will notify you of significant changes to this Privacy Policy.
10. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
- Email: privacy@unibecktechnologies.com
- Address: Unibeck Technologies, [Your Business Address]
- Phone: [Your Contact Number]
- Data Protection Officer: dpo@unibecktechnologies.com
We will respond to your inquiries within 30 days of receipt. If you are not satisfied with our response, you may lodge a complaint with the relevant data protection authority or regulatory body.