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Privacy Policy

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Privacy Policy

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Privacy Policy

Effective Date: January 2025
Last Updated: January 2025

Chillar Payment Solution Pvt. Ltd. (“Company”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website, use our applications, or interact with our services (collectively, the “Services”).

By accessing or using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information directly from you and through automated means to provide and improve our Services.

a. Personal Information

When you interact with our website or use our services, we may collect:

  • Name, mobile number, email address, and postal address

  • Date of birth, gender (if required for KYC)

  • Account credentials (if registered)

  • Payment details (processed via third-party gateways)

  • Communication preferences and consent records

b. Payment Information

  • Payments are processed through authorized third-party payment gateways (such as Razorpay, PayU, Cashfree, Paytm, etc.) in compliance with RBI and PCI DSS standards.

  • We do not store your full card details, UPI IDs, or banking passwords.

  • Limited payment reference data such as transaction ID, amount, and status may be stored securely for reconciliation, refund, and audit purposes.

c. Communication Data

  • If you opt to receive updates via WhatsApp, we collect and store your consent and communication history.

  • We may also store message logs, delivery confirmations, and interaction data to improve service delivery.

d. Automatically Collected Data

When you visit our website, certain information may be collected automatically, such as:

  • IP address

  • Browser type and version

  • Device type and operating system

  • Pages visited and time spent

  • Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

  1. Process payments and provide transaction updates.

  2. Communicate via WhatsApp, email, or SMS (with your consent).

  3. Verify identity for secure access (where applicable).

  4. Respond to support requests and inquiries.

  5. Improve website functionality, user experience, and service quality.

  6. Detect and prevent fraud, unauthorized transactions, or policy violations.

  7. Comply with legal, regulatory, and taxation obligations under Indian law.

3. WhatsApp Communication Policy

  • By opting in or contacting us on WhatsApp, you consent to receive messages related to your transactions, updates, alerts, or promotions.

  • We use only official WhatsApp Business API accounts for communication.

  • You may opt out anytime by replying “STOP” or following the unsubscribe instructions in our messages.

  • Message content and data are processed per Meta’s Privacy Policy and our own security measures.

4. Cookies and Tracking Technologies

  • We use cookies, pixels, and analytics tools to understand website usage and improve user experience.

  • Cookies do not give us access to your computer or personal information beyond what you choose to share.

  • You can control cookie preferences through your browser settings.

5. Data Sharing and Disclosure

We do not sell, rent, or trade your personal data.
However, we may share data with:

  • Payment gateways and banks for transaction processing.

  • Service providers assisting in analytics, communication, hosting, or security.

  • Regulatory or law enforcement agencies, when required by law or to prevent fraud.

  • Business partners, only with your explicit consent.

All third parties are bound by confidentiality agreements and data protection standards.

6. Data Security

  • We employ industry-standard encryption (SSL), secure servers, and strict internal controls to safeguard your data.

  • Access to sensitive data is restricted to authorized personnel only.

  • While we strive to ensure complete security, no electronic transmission is fully secure. You acknowledge sharing data at your own risk.

7. Data Retention

  • We retain your information only for as long as necessary to fulfill the purpose for which it was collected, comply with legal obligations, or resolve disputes.

  • Upon request, we can delete or anonymize your personal data in accordance with applicable law.

8. Your Rights

As a user under Indian law, you have the right to:

  • Access and review your personal data.

  • Request correction or deletion of inaccurate information.

  • Withdraw consent for WhatsApp or marketing communications.

  • Lodge a complaint with us or a data protection authority if you believe your rights have been violated.

To exercise these rights, email us at privacy@chillarpayments.com.

9. Third-Party Links

Our website may contain links to third-party websites or applications.
We are not responsible for their content, policies, or data handling practices. We encourage you to review their privacy policies before sharing any information.

10. Updates to This Policy

We may periodically update this Privacy Policy to reflect operational, legal, or regulatory changes.
The latest version will always be available on our website, and the “Last Updated” date will indicate the effective change.

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy, please contact:

Chillar Payment Solution Pvt. Ltd.
📧 Email: care@chillarpayments.com

📍 Address: 15A2, Tower1, Transasia Cyber Park Infopark Phase II , Kakkanad, Kochi, Kerala 682303

12. Consent

By using our website and services, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to the collection and use of your data as described herein.

Would you like me to create a Refund & Cancellation Policy next (since it’s legally recommended for payment-based businesses in India, especially when using payment gateways)?
It can be a short 1-page policy aligning with RBI guidelines and your transaction flow.

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