Privacy Policy

1. Introduction

Thank you for showing interest in OMSHRIKANTH FINANCE PRIVATE LIMITED. We value the trust you place in us and are committed to protecting your privacy. This Privacy Policy explains how we collect, use and share your personal information. This policy applies to your use of our website and services and covers information collected in connection with your access to and use of our services.

By continuing to interact with us, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use or access our website or services.

Our Privacy Policy may change from time to time. We recommend that you periodically review this page for updates.

2. Information We Collect

We collect or receive information that you provide when you apply, register, use our AEPS or other financial services, complete identity verification, authenticate your account, communicate with us, submit forms or otherwise use our platform.

• Identification Information: Name, email address, residential or mailing address, mobile number, date of birth, PAN, Aadhaar, Passport, Driving Licence or other government-issued identification, signature, authentication credentials and IP address.
• Background Information: Where permitted by applicable law, we may obtain verification or background information required for compliance, fraud prevention or regulatory purposes.
• Financial Information: Bank account details, payment information and other financial information necessary to provide our services.
• Credit, Compliance and Fraud: Information received from authorised third parties for identity verification, fraud detection, compliance checks or other lawful purposes.
• Transaction Information: Transaction date, time, amount, status, beneficiary or customer information, payment method, device details and other transaction related information.
• Other Information You Provide: Survey responses, feedback, support requests, referrals, suggestions and other information voluntarily submitted by you.

3. Personal Information

We collect personal information that you voluntarily provide when you create an account, access our services, complete verification procedures or communicate with us.

• Full name, date of birth and gender.
• Email address, mobile number and residential address.
• Government-issued identification details for KYC and verification.
• Account login credentials and authentication information.
• Profile information, photograph and account preferences.
• Customer support, feedback and communication details.

4. Payment Information

To process payments and provide financial services, OMSHRIKANTH FINANCE PRIVATE LIMITED may collect payment and transaction-related information. This information is used for processing transactions, verifying payments, preventing fraud, complying with legal obligations and securing our platform.

• Bank account details required for payments and settlements.
• Debit card, credit card or UPI related payment information.
• Transaction amount, date, time and status.
• Billing information and payment preferences.
• Wallet balance, recharge records and payment confirmations.
• Information received from banking and payment partners.

5. Device & Technical Information

We may collect information about the device used to access our services, including hardware, operating system, network and usage information.

• Device model and hardware information.
• Operating system name and version.
• Device name and unique device identifiers.
• Mobile network and internet connection information.
• IP address, browser type and device settings.
• Information about interaction with our services.
• Geolocation information where required for providing regulated services.

6. How We Use Your Information

OMSHRIKANTH FINANCE PRIVATE LIMITED uses collected information to deliver, maintain, secure and improve our digital financial services.

• To process payments, recharges, bill payments and financial transactions.
• To verify identity and complete KYC or authentication procedures.
• To prevent fraud, unauthorised activity and security threats.
• To send transaction alerts, service updates and support responses.
• To comply with applicable laws and regulatory obligations.
• To improve our website, application and services.
• To analyse usage and improve platform performance and security.

7. Sharing of Information

OMSHRIKANTH FINANCE PRIVATE LIMITED does not sell or rent your personal information. We may share information with trusted service providers and authorised entities where necessary to provide services or comply with applicable law.

• Payment gateways, banks and financial institutions.
• Trusted technology and service providers.
• Identity verification and KYC service providers.
• Government authorities, regulators or law enforcement where legally required.
• Fraud prevention and security service providers.
• Business successors in case of a lawful merger or restructuring.
• Other parties where you have provided consent.

8. Data Security

OMSHRIKANTH FINANCE PRIVATE LIMITED uses appropriate technical, administrative and organisational safeguards to protect personal and financial information against unauthorised access, misuse, alteration or disclosure.

We use secure communication protocols, encrypted data transmission, access controls and system monitoring. Access to sensitive information is restricted to authorised personnel and service providers who require such access for legitimate business purposes.

We regularly review our security controls to address emerging threats. However, no electronic transmission or storage system can be guaranteed to be completely secure.

Users are encouraged to protect their account credentials, use strong passwords and immediately report suspected unauthorised access.

9. Cookies & Tracking Technologies

OMSHRIKANTH FINANCE PRIVATE LIMITED may use cookies and similar technologies to improve website functionality, maintain secure sessions and understand how users interact with our services.

• To remember login sessions and preferences.
• To analyse website traffic and platform performance.
• To improve functionality and service quality.
• To detect suspicious or unauthorised activities.
• To personalise relevant features and content.
• To measure communication and marketing effectiveness.

10. Third-Party Services

OMSHRIKANTH FINANCE PRIVATE LIMITED may engage trusted third-party service providers to support payment processing, verification, hosting, analytics, customer support and other essential services.

• Payment gateways and banking partners.
• Identity verification and KYC providers.
• Cloud hosting and infrastructure providers.
• Analytics and system monitoring providers.
• Customer support and communication platforms.
• Government or regulatory authorities where legally required.

11. Your Rights

• You may request access to personal information held about you.
• You may request correction of inaccurate or incomplete information.
• You may request deletion of information where permitted, subject to legal, regulatory and record-retention obligations.
• You may withdraw consent where consent is the lawful basis for processing.
• You may opt out of promotional communications.
• You may request information regarding the processing of your personal data.
• You may contact our support team regarding privacy or security concerns.