1. Introduction
This Privacy Policy explains how OUTPAY INDIA collects, uses, shares and protects personal information when you visit our website, submit an enquiry, or engage with our merchant and distributor network. OUTPAY INDIA is a technology-enabled service platform and is not a bank. Where we handle information in connection with financial services, we do so as part of arrangements with authorised banks, business correspondents and other regulated partners.
2. Information We Collect
- Contact and enquiry details you submit through our website — name, mobile number, email, state, district, pincode, business name, and message.
- KYC and onboarding documents submitted by merchant and distributor applicants — such as Aadhaar, PAN, address proof, bank details and business proof — as required by our onboarding and partner-bank compliance process.
- Transaction-related information generated when a customer uses services at an OUTPAY merchant point, to the extent necessary to process and confirm that transaction.
- Technical information such as browser type and general usage data, collected automatically when you visit our website.
3. How We Use It
- To respond to your enquiry and route it to the right team.
- To process merchant and distributor onboarding, including KYC verification.
- To facilitate and confirm transactions at OUTPAY merchant points.
- To maintain security, detect fraud, and meet our compliance and audit obligations.
- To improve our website and services.
4. Sharing of Information
We share personal information only where necessary to deliver our services or meet a legal obligation, including with:
- Authorised banks, business correspondents, acquiring institutions and payment-system participants who provide the underlying financial service.
- Distributor and merchant partners, limited to information needed for onboarding, training and territory support.
- Regulators, law enforcement or courts, where required by applicable law.
- Service providers who support our technology platform, under confidentiality obligations.
We do not sell personal information to third parties.
5. Data Security
We use encrypted data transmission, role-based access controls, secure authentication and audit logging to protect information handled on our platform. Details of our broader security architecture are set out on our Technology & Security page.
6. Data Retention
We retain personal information for as long as necessary to fulfil the purposes described in this policy, including onboarding, service delivery, and any applicable regulatory record-keeping requirements, after which it is securely deleted or anonymised.
7. Your Rights
You may request access to, correction of, or deletion of your personal information held by us, subject to any legal or regulatory record-keeping obligations that require us to retain certain records. To make a request, contact us using the details at the bottom of this page.
8. Cookies
Our website may use essential cookies to support basic functionality and, where enabled, analytics cookies to help us understand site usage. You can control cookies through your browser settings.
9. Children's Privacy
Our website and services are intended for use by individuals who are legally capable of entering into financial transactions in India. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. The "Last updated" date above reflects the most recent revision.