At InstaPay Credit Card, your privacy is our priority. This policy explains how we collect, use, and protect your personal information when you use our credit card cash and bank transfer services.
01 Introduction
InstaPay Credit Card ("we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy governs how we handle your data when you use our financial services, website, or contact us through any channel.
By using our services, you consent to the collection and use of information in accordance with this policy.
02 Information We Collect
We collect the minimum information necessary to provide our services safely and legally:
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Personal Identification
Name, mobile number, email address, and government-issued ID (Aadhaar/PAN) for KYC compliance.
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Financial Information
Credit card last 4 digits (for records only), bank account number, and IFSC code for transfers.
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Transaction Data
Amount, date, time, type of transaction, and status of each transaction processed through our service.
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Device & Usage Data
IP address, browser type, and pages visited on our website for security monitoring and analytics.
03 How We Use Your Information
Your information is used exclusively for the following purposes:
- Processing your requested cash withdrawal or bank transfer transactions accurately and securely.
- Verifying your identity and preventing unauthorized access or fraudulent activity.
- Complying with applicable laws, RBI guidelines, PMLA 2002, and other financial regulations.
- Sending you transaction confirmations, receipts, and essential service notifications.
- Resolving disputes, providing customer support, and investigating complaints.
- Improving our services, website, and overall customer experience.
04 Data Security
We implement industry-standard security measures to protect your personal and financial information:
- SSL/TLS Encryption: All data transmitted through our website and communications is encrypted.
- Secure Storage: Financial details are never stored in plain text. All sensitive data is encrypted at rest.
- Access Controls: Strict role-based access ensures only authorized personnel can access sensitive data.
- Data Minimization: We collect only what is necessary and do not retain card details beyond the transaction.
⚠️ Important: We will never ask for your full credit card number, CVV, or OTP over call, WhatsApp, or email. If anyone contacts you claiming to be InstaPay Credit Card and asks for these, please do not share and report immediately.
05 Data Sharing & Disclosure
We do not sell, trade, rent, or share your personal information with third parties for marketing purposes. Data may be shared only in these limited circumstances:
- Payment Processors & Banks: To complete your requested transaction through authorized banking channels.
- Legal Obligations: When required by law, court order, or regulatory authorities (RBI, ED, Income Tax).
- Fraud Prevention: With law enforcement agencies to investigate suspected fraudulent activity.
- Service Providers: With trusted technology partners who assist us in operating our systems, bound by confidentiality agreements.
06 Data Retention
We retain your personal information as long as necessary to fulfill the purposes outlined in this policy:
- Transaction Records: Retained for 7 years per applicable financial and tax regulations.
- KYC Documents: Retained for the duration of our relationship and 5 years thereafter as required by PMLA.
- Communication Logs: Retained for 2 years for dispute resolution and quality purposes.
- Website Analytics: Anonymized data retained for 1 year for performance analysis.
07 Your Rights
You have the following rights with respect to your personal data:
- Right to Access: Request a copy of the personal information we hold about you.
- Right to Correction: Request correction of inaccurate or incomplete personal data.
- Right to Deletion: Request deletion of your data, subject to legal retention requirements.
- Right to Restrict Processing: Request that we limit how we use your data in certain circumstances.
- Right to Withdraw Consent: Withdraw consent for optional data processing at any time.
To exercise any of these rights, contact us at 96202272355 or 76765 51323.
08 Cookies & Tracking
Our website may use cookies to enhance your browsing experience — to remember preferences, analyze traffic, and improve service quality. You can disable cookies through your browser settings, though this may affect some website functionality.
09 Changes to This Policy
We reserve the right to update this Privacy Policy at any time to reflect changes in our practices or applicable laws. Your continued use of our services after changes constitutes acceptance of the revised policy.
10 Contact Us
- Company: InstaPay Credit Card
- Location: Bengaluru, Karnataka, India
- Phone: 9620272355
Have Questions?
Our team is available 24/7 to help with any queries regarding this policy.