Privacy Policy – SD Pay (Summary)

Effective Date: 2026
Company: S D HUB (OPC) PRIVATE LIMITED / UPAY DIGI INDIA PRIVATE LIMITED
Websites: sdpay.co.in / apnape.in
Contact: support@apnapay.com

1. Introduction

SD Pay (“we,” “our,” “us”) explains how we collect, use, store, and protect your information when you use the SD Pay mobile app and related services. By using SD Pay, you consent to this policy.

2. Information We Collect

Personal information

• Name and contact details (mobile number, email)
• Identity verification documents (KYC)
• Payment info (UPI IDs, bank account details, card info)
• Transaction history and payment records

Device & usage information

• Location data (nearby merchant discovery/service availability)
• Device details (model, OS version, unique identifiers)
• App usage (features used, time spent, crash logs)
• Photos/videos (profile, KYC, support queries)
• Contacts (referrals and peer-to-peer transactions)

Automatically collected data

IP address, browser type, app interaction patterns, cookies/similar technologies.

3. How We Use Your Information

We use data to: provide services (recharges, bill pay, transactions), complete KYC and prevent fraud, secure accounts and detect suspicious activity, communicate (alerts, OTPs, updates), improve the app, and meet legal/regulatory requirements.

4. Data Sharing & Disclosure

We do not sell personal data. We may share information with payment partners/banks (processing), regulators (when required), service providers (hosting/analytics/support), and fraud prevention agencies. We may also disclose data when required by law or to protect rights and safety.

5. Data Security

We use industry-standard measures: encryption in transit (SSL/TLS), secure storage with access controls, audits/vulnerability checks, and multi-factor authentication for sensitive actions. No online transmission is 100% secure.

6. Your Rights

You can request access, correct details (in-app or via support), request deletion (support@apnapay.com), withdraw consent by disabling permissions (may reduce functionality), and opt out of marketing.

7. Data Retention

Active accounts: retained while active. Transaction records: kept as required by law (typically 5–7 years). Deleted accounts: retained as needed for legal/regulatory compliance.

8–10. Additional Terms

Not for users under 18; no knowing collection from minors. Third-party links are governed by their own privacy policies. Updates will be posted with a new effective date, with major changes notified via app/email.

11. Contact

Email: support@apnapay.com | Websites: apnape.in / sdpay.co.in | Phone: +91 63599 11902 | Address: Flat No. 01, S No. 47/11, Wing A-3, Samarth Srushti, Vadgaon Budruk Road, Haveli, Pune, Maharashtra 411041, India

12. Permissions Explained

Location (nearby merchants), Camera/Photos (KYC/profile), Contacts (referrals/send money), Storage (save receipts/app data)