PRIVACY POLICY

PocketATM (“Platform”), operated by Optimoney Technologies Private Limited (“we,” “us,” or “our”), provides a range of financial technology solutions, including Doorstep Banking APIs, Soundbox/UPI QR solutions, 360° Merchant Applications, and ONDC integration services (collectively, “Services”). When you interact with the Platform to access these Services or engage in related business transactions, you may voluntarily provide us with certain personal information. This allows us to deliver the Services effectively and fulfil your business transactions with us.

This Privacy Policy outlines our practices regarding the collection, use, disclosure, and retention of your personal information. It also explains how we may share your information with others and how you can manage and control your personal data (“Privacy Policy”).

References to “you” and “your” in this Privacy Policy refer to any individual or entity accessing the Platform, availing of the Services, or engaging in transactions with us.

This Privacy Policy is published pursuant to the applicable provisions of the Information Technology Act, 2000 (“IT Act”), the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“SPDI Rules”), and the Information Technology (Intermediaries Guidelines) Rules, 2011 (“Intermediaries Guidelines”).

Please read this Privacy Policy carefully to understand how we collect, use, and safeguard your personal information.

  1. SCOPE AND CONSENT
  1. By accessing, using, or interacting with the Platform, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.
  1. By using our Platform and Services, you consent to the terms outlined in this Privacy Policy. Your continued use of the Platform and Services indicates your agreement to abide by its provisions.
  1. This Privacy Policy is incorporated by reference into any agreements, terms, or conditions governing the use of the Platform and supplements those documents where applicable.
  • INFORMATION WE COLLECT

We collect various types of information to provide and improve our Services. The types of information we may receive from you include:

  • Personal and Contact Information

We may collect personal details such as your name, business name, and contact information (e.g., phone number, email address). This helps us verify your identity, communicate effectively, and provide our Services.

  • Merchant and Business Information

To provide our Services effectively, we may collect limited information related to your interaction with our offerings, such as the type of services you inquire about or request (e.g., Doorstep Banking APIs, Soundbox/UPI QR solutions, 360° Merchant Applications, or ONDC integration). This information allows us to understand your needs and deliver solutions that align with your requirements.

  • Communication Data

We may collect information from your communications with us, including emails, phone calls, and queries submitted through the Platform. This information is used to respond to your requests, maintain accurate records, and improve our customer support.

  • Platform and Technology Usage Data

We may collect data on your interactions with our Platform, such as device details, IP addresses, browser type, and usage patterns. This information, including data collected through cookies and similar technologies, helps us enhance the functionality, security, and user experience of the Platform.

  • HOW WE USE YOUR INFORMATION
  • Service Delivery

To provide you with our Services, including facilitating access to Doorstep Banking APIs, Soundbox/UPI QR solutions, 360° Merchant Applications, and ONDC integration. Your information may be used to customize these offerings and ensure their smooth operation.

  • Communication

To keep you informed about updates, product features, service notifications, and other essential information related to your use of our Services. With your consent, we may also contact you for marketing, promotional, or informational purposes via email, phone calls, SMS, or other communication channels.

  • Legal Compliance

To comply with applicable laws, regulations, and contractual obligations, including those related to data protection and financial services. This may include disclosing information as required by statutory or regulatory authorities.

  • Service Improvement

To enhance the quality of our Services by analysing user interactions, collecting feedback, and conducting internal reviews. This helps us improve user experience, operational efficiency, and the overall functionality of our offerings.

  • ACCESS, CORRECTION, AND DELETION OF INFORMATION
  • You have the right to access and review the information we hold about you. To request such access, please submit a written request along with a valid government-issued identification document. We will make reasonable efforts to provide the requested information, subject to technical feasibility and any applicable legal or contractual limitations.
  • If you believe that any information we hold about you is inaccurate or outdated, you may request a correction or update by contacting us. We will make reasonable efforts to accommodate your request, provided it does not compromise the accuracy or integrity of the data, infringe upon the rights of others, or contravene any legal or regulatory requirements.
  • You may request the deletion of your personal information by contacting us. We will evaluate such requests and, where feasible and legally permissible, delete or anonymize the requested data. However, certain information may need to be retained to comply with legal obligations, resolve disputes, enforce our agreements, or for legitimate business purposes.
  • DATA RETENTION AND DISPOSAL

We retain your information only for as long as necessary to provide the Services, ensure operational continuity, or comply with applicable legal, regulatory, or contractual obligations. Once the information is no longer required for these purposes, we will take appropriate steps to securely delete, anonymize, or de-identify it. In some cases, aggregated or anonymized data may be retained to analyse service performance, enhance offerings, or for other legitimate business purposes, in compliance with applicable laws.

  • DATA SECURITY
  • We employ a range of physical, technical, and organizational safeguards to protect the information we collect and process from unauthorized access, loss, misuse, alteration, or disclosure. These measures are designed to uphold the confidentiality, integrity, and availability of your information while ensuring the secure operation of our Services, including our APIs, merchant applications, and other offerings.
  • While we strive to implement robust security practices, no system can guarantee absolute security. We are not responsible for security breaches resulting from third-party actions, such as hacking, unauthorized access, or unforeseen events, including system failures, technical issues, or acts of nature that are beyond our control. We encourage you to take steps to safeguard your credentials and promptly notify us of any suspected unauthorized access to your account or information.
  • DISCLAIMER AND LIMITATION OF LIABILITY

You are responsible for ensuring that the information you provide is accurate, current, and complete. We are not liable for any loss, damage, or issues arising from the provision of incorrect, outdated, or misleading information. Neither we, nor our employees or consultants will be responsible for any indirect, incidental, or consequential damages related to the collection, processing, or disclosure of your information, even if we have been informed of the potential for such damages.

While we take steps to protect your information, there may be instances where disclosure occurs due to legal requirements or circumstances beyond our control. As such, we cannot guarantee that your information will always remain confidential.

  • UPDATES TO THE PRIVACY POLICY

We may update, modify, or amend this Privacy Policy at our discretion, in accordance with applicable laws and regulations. Any changes will be effective immediately upon posting, and we may update it with or without prior notice, as required by law or for operational reasons. Please review this Privacy Policy periodically to stay informed of any changes.

  • COOKIES

Our Platform uses cookies to improve your user experience, analyze site traffic, and personalize content. By accessing or using the Platform, you consent to the use of cookies. You can manage your cookie preferences through your browser settings at any time. However, please note that disabling cookies may impact certain features of the Platform and limit your experience.

  1. GRIEVANCE REDRESSAL

If you have any concerns or wish to withdraw your consent, please reach out to our Grievance Officer. You have the right to object or withdraw consent at any time, and we will process your request in accordance with applicable laws. Please note that withdrawing consent may affect our ability to provide certain Services to you.

Name of the Grievance Officer: Isha Gala

Contact Details: isha@pocketatm.in