Privacy Policy

Privacy Policy

This Privacy Policy (“Policy”) outlines how Realrichlife Technologies Private Limited (referred to as “the Company,” “we,” or “us”) collects, accesses, uses, maintains, and discloses information, including personal data, from users (each referred to as a “User”) of our various services (“Services”). These Services are offered through our website, mobile applications, or network telecom operators. This Policy specifically pertains to the information collected or received by the Company through your use of our Services. By using our Services, you consent to the practices described in this Policy regarding the handling of your information, including personal data. If you do not agree with these terms, please refrain from using our Services and avoid granting any permissions requested by the Company.

Data Retention Policy

Purpose

This policy outlines the guidelines for retaining and disposing of data collected through the AEPS to ensure compliance with legal, regulatory, and operational requirements. Scope This policy applies to all employees, contractors, and third-party service providers involved in handling AEPS data.

Data Classification

Personal Identification Information (PII):

Aadhaar numbers, names, contact details, etc. Transaction Data: Transaction IDs, timestamps, amounts, merchant details, etc. System Logs: Access logs, error logs, and transaction logs.

Retention Periods

Personal Identification Information:

Retained for a maximum of 6 months after the last transaction, unless required by law. Transaction Data: Retained for a maximum of 5 years for auditing and compliance purposes. System Logs: Retained for a maximum of 1 year, unless required for ongoing investigations

Data Retention Period:- 6 months.

We collect and generate various data points about you.

The data that identifies you is referred to as "Personal Data." Please note that Personal Data does not include information that is publicly available or easily accessible in the public domain. Your privacy is extremely important to us, and we are committed to protecting your Personal Data. We adhere to relevant laws in India, including the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, to ensure the confidentiality of your Personal Data.

Data Disposal

After the expiration of the retention period, data must be securely deleted or anonymized

Physical records should be shredded, and electronic records should be deleted using secure data-wiping methods.

Roles and Responsibilities

Data Protection Officer (DPO):

Responsible for overseeing compliance with this policy and conducting regular audits. IT Department: Ensures secure data storage and disposal methods are implemented. Employees: Responsible for adhering to this policy and reporting any data breaches or policy violations.

Compliance and Review

This policy will be reviewed annually or as required by changes in legislation.

Non-compliance with this policy may result in disciplinary action.

Information We Collect

We collect various types of information to provide and improve our services, including:

1. Personal Information: Name, Aadhaar number, contact details (phone number, email address), and other identification details. 2. Financial Information: Bank account details, transaction history, and payment information necessary for processing transactions. 3. Transaction Data: Details of your transactions, including amounts, dates, and transaction IDs. 4. Technical Information: IP address, browser type, operating system, device information, and usage data related to your interactions with our website and services.

How We Use Your Information

We use the information we collect for the following purposes:

1. Transaction Processing: To process and manage your financial transactions securely and efficiently. 2. Service Improvement: To enhance our services, develop new features, and improve user experience. 3. Customer Support: To provide support, respond to inquiries, and address any issues you may encounter. 4. Security and Fraud Prevention: To detect, prevent, and mitigate fraudulent activities and ensure the security of our systems and your information. 5. Compliance: To comply with legal and regulatory requirements, including anti-money laundering (AML) and know-your-customer (KYC) regulations.

How We Protect Your Information

We implement robust security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include:

1. Encryption: We use encryption technologies to secure your data during transmission and storage. 2. Access Controls: We limit access to your information to authorized personnel only. 3. Secure Infrastructure: Our systems and networks are protected by firewalls, intrusion detection systems, and other security technologies.

Information Sharing and Disclosure

We may share your information under the following circumstances:

1. With Your Consent: When you provide explicit consent for us to share your information with third parties. 2. Service Providers: With trusted service providers who assist us in operating our business and delivering services, subject to confidentiality agreements. 3. Legal Requirements: When required by law, regulation, or legal process, or to comply with governmental or regulatory requests. 4. Business Transfers: In connection with any merger, acquisition, or sale of our assets, where your information may be transferred as part of the transaction.

Your Rights and Choices

You have the following rights regarding your information:

1. Access and Correction: You may request access to your personal information and request corrections if the information is inaccurate or incomplete. 2. Opt-Out: You can opt-out of receiving marketing communications from us at any time by following the unsubscribe instructions provided in those communications. 3. Data Deletion: You may request the deletion of your personal information, subject to legal and regulatory requirements and the need to retain certain information for compliance purposes.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and services.

These technologies help us understand user behavior, improve our services, and provide personalized content. You can manage your cookie preferences through your browser settings.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements.

We will notify you of any significant changes by posting the updated policy on our website. We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

• Email: realrichlifetechnology@gmail.com • Phone: 8434386888 • Address: H. No.6, Barikhanjarpur, Navin Ganguli Road Ward 24, Bhagalpur, Jagdishpur ,Bhagalpur-812001, Bihar Thank you for trusting Realrichlife Technologies Private Limited with your personal and financial information. We are committed to maintaining the highest standards of privacy and security.