Privacy Policy

Information We Collect

We collect information that you provide directly to us when you:

• Create or modify your Payratna account
• Make or receive payments through our services
• Contact our customer support team
• Participate in surveys, contests, or promotions
• Subscribe to our newsletter or marketing communications

Personal Information

The personal information we collect may include:

• Name, email address, phone number, and postal address
• Date of birth and government-issued ID information
• Bank account and payment card information
• Transaction history and payment details
• Business information (for merchant accounts)

Automatically Collected Information

When you access our services, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, time spent, click patterns)
• Location information (with your permission)
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide, maintain, and improve our payment processing services
• Transaction Processing: To process your payments and transfers securely
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and technical problems
• Compliance: To comply with legal obligations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations
• Communication: To send you service-related notifications, updates, and marketing communications
• Analytics: To analyze usage patterns and improve user experience
• Customer Support: To respond to your inquiries and provide technical assistance

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf (payment processors, hosting providers, analytics services)
• Financial Institutions: With banks and payment networks to process transactions
• Legal Compliance: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Fraud Prevention: With fraud detection and prevention services
• With Your Consent: When you explicitly authorize us to share your information

Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for data transmission
• PCI DSS Level 1 compliance for payment card data
• Regular security audits and penetration testing
• Multi-factor authentication for account access
• Encrypted data storage with access controls
• Employee training on data protection and privacy

Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Request transfer of your data to another service provider
• Opt-Out: Unsubscribe from marketing communications at any time
• Restriction: Request limitation on how we process your information

To exercise any of these rights, please contact us at privacy@payratna.com

Cookies and Tracking

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Understand how you use our services
• Improve user experience and site performance
• Deliver personalized content and advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our services.

Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal, regulatory, and tax obligations
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

Typically, we retain transaction data for 7 years to comply with financial regulations. Account information is retained while your account is active and for a reasonable period thereafter.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our platform

Your continued use of our services after such modifications constitutes your acceptance of the updated Privacy Policy.