Effective Date: 14 November 2025

Welcome to Ujjwaldeep (“we”, “us”, “our”). We are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website (https://ujjwaldeepbanking.in/) and mobile application (the “Service”). By accessing or using the Service, you agree to the terms of this Policy.

1. Information We Collect

1.1 Personal Information

We collect data that you provide directly when you:

• Register or create an account (e.g., name, email, phone number)
• Submit KYC or identity documents (e.g., Aadhaar, address proof)
• Link bank accounts or payment instruments (e.g., UPI ID, account number)
• Contact our support (via email, phone, chat)

1.2 Transaction Information

• Records of transactions you initiate via AEPS, recharges, bill payments
• Transaction metadata (timestamps, amounts, status)
• Payment processor data (when you pay via third-party gateways)

1.3 Device & Usage Information

• Device type, operating system, app version
• IP address, browser or app identifiers, device identifiers
• Log information (error logs, crash reports)
• Location data (when you permit location services)

1.4 Cookies and Similar Technologies

We use cookies, web beacons, local storage, and similar technologies to:

• Help you navigate and use our Service more efficiently
• Analyze trends and usage patterns
• Improve performance and deliver relevant content
• Manage user sessions

You can manage or disable cookies via your browser or device settings, but note this may affect your experience or access to some features.

2. How We Use Your Information

We use your data for the following purposes:

• To provide, operate and maintain the Service
• To process transactions (AEPS, recharges, bills)
• To verify identity and comply with KYC / regulatory requirements
• To communicate with you (alerts, notifications, support, billing)
• To detect, prevent, and respond to fraud, security risks, or abuse
• To analyze and understand how the Service is used, improving features and performance
• To comply with legal, tax, and regulatory obligations

3. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes described in this Policy, unless a longer retention is required or permitted by law (e.g., for compliance with financial regulations).

4. Sharing Your Information

We may share your information with:

• Service Providers: Third-party vendors (payment processors, KYC providers, analytics services) who help us deliver the Service.
• Regulators & Authorities: Law enforcement, tax, or regulatory bodies, as required by applicable laws.
• Business Transfers: In connection with mergers, acquisitions, or asset sales.
• Affiliates: Our parent company, subsidiaries, or other entities under common control, to offer consolidated services.

We do not sell your personal information to third parties.

5. Data Security

We employ reasonable administrative, technical, and organizational safeguards to protect your information from unauthorized access, disclosure, alteration, and destruction. These include encrypted communications (HTTPS), secure storage, and access controls.

However, no security measure is completely foolproof. In the unlikely event of a data breach, we will notify you and the relevant authorities in accordance with applicable laws.

6. Your Rights & Choices

• Access & Correction: You can review and update certain personal data in your account settings or by contacting us.
• Deletion: You may request deletion of your account and personal data, subject to retention for compliance and fraud-prevention.
• Opt-out of Marketing: You may opt-out of promotional emails or SMS messages via your account settings or by contacting us.
• Cookies: You control cookies through browser/device settings.

7. Third-Party Links

Our Service may contain links to third-party sites, apps, or services. We are not responsible for their privacy practices. Please read their privacy policies before sharing your personal data.

8. Children’s Privacy

Our Service is not directed at children under 18. We do not knowingly collect or solicit personal information from minors. If we become aware of any such data, we will take steps to delete it promptly.

9. International Transfers

Your data may be stored or processed in countries other than your own. When we transfer data internationally, we take steps to ensure that it remains protected in accordance with this Policy.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will post the revised version on our site with a new “Effective Date.” Your continued use of the Service after changes constitutes acceptance of the updated Policy.

11. Contact Us

If you have questions, concerns, or requests regarding your privacy, please contact:

Ujjwaldeep
Email: info@ujjwaldeepbanking.in
Phone: +91 18002124524
Address: NEHAL BIHAR C-115 NEAR BY KHATU SHYAM TEMPLE NAGLOI NEW DELHI 110041

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This policy is adapted from commonly used fintech privacy templates and informed by industry best practices.