Introduction

This Privacy Policy ("PRIVACY POLICY") applies to your use of the services offered by Veyronix Technology Private Limited (referred to as "Genixpay") through its website hosted at www.genixpay.com, the services (as defined in the Genixpay "Terms of Use"), and Genixpay applications across mobile platforms (Android, iOS, etc.) (collectively referred to as "GENIXPAY" or the "WEBSITE"). This Privacy Policy does not extend to any third-party websites that may be linked on our platform.

The terms "WE," "OUR," and "US" refer to Genixpay, while "YOU," "YOUR," and "USER" refer to the users of Genixpay's services. The term "PERSONAL INFORMATION" includes any information that you provide to us which can be used to identify or contact you personally — such as your name, phone number, email address, and, as per RBI regulations and any other applicable guidelines, any additional data that you may choose to save in your Genixpay User Account.

Genixpay is committed to protecting the privacy and personal data of its users in compliance with the Digital Personal Data Protection (DPDP) Act, 2023. This Privacy Policy outlines how we collect, use, store, and share your personal data when you use our website, mobile application, and associated services. Please note that the separate Terms and Conditions form an essential part of your use of this Website and should be read together with this Privacy Policy. These terms ensure that you understand your rights, obligations, and the scope of services provided by Genixpay.

1. Data We Collect

We may collect the following categories of personal data:

  • Name, gender, date of birth, and contact information (mobile number, email address).
  • Financial information (bank account details, Aadhaar number, PAN card, etc.)
  • Device and location data
  • Transaction history and usage behavior
  • Any other information as may be applicable and as per RBI regulations, and any other information as may be applicable that the User may choose to save in the Genixpay User account.

2. Purpose of Data Collection

Your data is collected and used for:

  • Verifying identity and enabling KYC processes.
  • Providing and improving our fintech services including AEPS, BBPS, DMT, MATM, PAN, and Verification APIs
  • Transaction processing and customer support
  • Sending transactional and promotional notifications
  • Feedback: We may collect personal data when you voluntarily choose to provide feedback through our platform. This may include your name, contact details, and any comments or suggestions shared by you. The feedback helps us improve our services and address user concerns more effectively.
  • Compliance with legal obligations and regulatory guidelines (e.g., RBI, UIDAI, NPCI)

3. Lawful Basis for Processing

  • Your explicit consent.
  • Legal and regulatory requirements.
  • Legitimate business interests to improve and deliver our services.

4. Data Sharing and Disclosure

We do not sell or rent your personal data. We may share data with:

  • Banks, financial institutions, payment gateways, and government-regulated entities.
  • Technology partners and service providers bound by data confidentiality agreements.
  • Law enforcement or regulatory authorities upon valid legal request.

5. Data Storage and Retention

Your data is securely stored on encrypted servers hosted in India. We retain your personal data only as long as required by law, regulation, or business necessity.

6. User Rights

Under the DPDP Act, you have the right to:

  • Access and correct your personal data.
  • Withdraw consent at any time.
  • Request deletion of data, subject to regulatory and legal exceptions.
  • File a complaint with the Data Protection Board of India.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and analyze usage patterns. You may manage cookie preferences through your browser settings.

8. Data Security Measures

We use industry-grade security protocols including:

  • End-to-end encryption of transactions.
  • Two-factor authentication.
  • Role-based access controls.
  • Regular audits and compliance checks.

9. Terms and Modifications to this Privacy Policy

Our Privacy Policy may be updated from time to time to reflect changes in legal, regulatory, or operational requirements. Such modifications will be effective immediately upon being posted on our website or app. We encourage users to review this policy periodically to stay informed of any changes.

Continued use of Genixpay services following the posting of changes constitutes your acceptance of those changes and your agreement to be bound by the revised terms

Please ensure that your personal information, including your email address, is kept up to date. If you do not agree with the revised Privacy Policy, you must notify us and request the deactivation of your account.

10. Applicable Law

This Privacy Policy is governed by and construed in accordance with the laws of India. Any disputes or legal actions arising from the use of our services will be subject to the exclusive jurisdiction of courts in Noida, India.

11.Complaints and Grievance Redressal

For any complaints or concerns regarding your personal data, the content of our website, or any breach of privacy or proprietary rights, you may contact our DPO using the information below. You may also raise a grievance ticket via the designated hyperlink provided on our platform.

12. Contact Us

Data Protection Officer (DPO)
Email: info@genixpay.com
Phone: +91-120-4352992
Address: E-4, Sector 3, First Floor, Gautam Buddha Nagar, Noida, Uttar Pradesh, India

By using our services, you acknowledge and consent to the practices described in this Privacy Policy.