Privacy Policy

KGNPAY PRIVATE LIMITED ("KGNPAY", "Company", "we", "our", or "us") respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, store, process, and protect your information when you visit our website https://kgnpay.co.in, use our software, mobile applications, APIs, ERP/CRM systems, microfinance platforms, customer support services, or any other products and services offered by KGNPAY.

By accessing or using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

A. Personal Information

When you contact us, register an account, request a demo, purchase a product, or use our services, we may collect:

• Full Name
• Company Name
• Mobile Number
• Email Address
• Postal Address
• GST Number
• PAN (Business)
• Aadhaar (where legally required)
• Identity Proof
• Profile Photograph
• Signature
• Payment Information
• Billing Information

B. Business Information

For business customers, we may collect:

• Organization Details
• Branch Details
• Employee Information
• Customer Database
• Loan Information
• Financial Records
• Transaction Data
• KYC Information
• Business Documents

C. Technical Information

When you use our website or software, we may automatically collect:

• IP Address
• Browser Type
• Device Information
• Operating System
• Cookies
• Login Time
• Device ID
• Location Information (when permission is granted)
• Crash Reports
• Usage Analytics

D. Uploaded Documents

Depending on the services you use, we may process uploaded documents such as:

• Aadhaar Card
• PAN Card
• Passport
• Voter ID
• Driving Licence
• Bank Passbook
• Cancelled Cheque
• Income Certificate
• Electricity Bill
• Passport-size Photograph
• Signature
• Other KYC Documents

Documents uploaded for verification remain the property of the customer.

2. How We Use Your Information

We use your information to:

• Provide our products and services
• Create and manage customer accounts
• Verify customer identity
• Process KYC verification
• Manage loan applications
• Process financial transactions
• Generate reports
• Improve our software
• Provide customer support
• Send service notifications
• Send OTP verification
• Send SMS and WhatsApp notifications
• Improve security
• Detect fraud
• Prevent unauthorized access
• Comply with legal obligations
• Provide AI-assisted document processing and verification where applicable

3. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep users logged in
• Remember user preferences
• Improve website performance
• Measure website traffic
• Analyze visitor behavior
• Enhance security
• Deliver a better user experience

You may disable cookies through your browser settings; however, some features may not function properly.

4. AI and Document Processing

Certain KGNPAY services use Artificial Intelligence (AI) and Optical Character Recognition (OCR) technologies to:

• Read uploaded documents
• Extract text
• Improve image quality
• Detect document type
• Auto-fill forms
• Verify document authenticity
• Reduce manual data entry

AI-generated results are used only to assist users and should be reviewed before final submission.

5. Information Sharing

We do not sell your personal information.

We may share information only with:

• Authorized employees
• Service providers
• Cloud hosting providers
• SMS gateway providers
• WhatsApp Business providers
• Payment gateway providers
• Government authorities (where legally required)
• Regulatory bodies
• Auditors
• Legal advisors

Information may also be shared:

• To comply with applicable laws
• To investigate fraud
• To protect legal rights
• During mergers, acquisitions, or restructuring
• With your explicit consent

6. Data Security

We implement industry-standard security measures including:

• SSL Encryption
• Secure Servers
• Firewall Protection
• Role-Based Access Control (RBAC)
• Password Encryption
• Secure Database Storage
• Regular Security Monitoring
• Activity Logging
• Multi-Level Authentication
• Backup & Disaster Recovery

Although we take reasonable precautions, no internet transmission is completely secure.

7. Data Retention

We retain personal information only for as long as necessary to:

• Provide services
• Meet contractual obligations
• Comply with applicable laws
• Resolve disputes
• Prevent fraud
• Maintain business records

After the retention period, information is securely deleted or anonymized unless required by law.

8. Your Rights

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

• Access your personal information
• Correct inaccurate information
• Request deletion of personal information
• Withdraw consent
• Restrict processing
• Object to processing
• Request a copy of your data
• Update account information

Requests may be submitted using the contact information below.

9. Third-Party Services

Our website or software may integrate with third-party services including:

• Payment Gateways
• SMS Providers
• WhatsApp Business API
• Google Services
• Cloud Hosting Providers
• Analytics Providers
• Banking APIs
• Government Verification Services

These providers have their own privacy policies.

10. Children's Privacy

Our services are intended for users who are at least 18 years old or are legally authorized to use financial services.

We do not knowingly collect personal information from children under the applicable legal age. If such information is identified, it will be deleted promptly.

11. International Data Transfers

Where necessary, your information may be processed or stored on secure servers located in India or other jurisdictions that provide appropriate safeguards for personal data.

12. Compliance

KGNPAY strives to comply with applicable laws and regulations, including:

• Information Technology Act, 2000 (India)
• Digital Personal Data Protection Act, 2023 (DPDP Act)
• RBI guidelines (where applicable)
• NPCI guidelines (where applicable)
• Other applicable Indian laws and regulations

13. Changes to this Privacy Policy

We may update this Privacy Policy periodically.

Any changes will be published on this page along with the revised "Last Updated" date. Continued use of our website or services after such updates constitutes acceptance of the revised Privacy Policy.

14. Contact Us