Privacy Policy

1. Introduction

Zyrofin Technologies Pvt. Ltd. (“Zyrofin”, “we”, “us”) respects your privacy. This policy applies to all users of our web and mobile platforms, including BBPS bill payments, insurance services, and travel bookings.

2. Information We Collect

2.1 Personal Information

• Identity Data: Name, DOB, PAN, Aadhaar (for KYC)
• Contact Data: Email, phone, address
• Financial Data: Bank account, card, UPI IDs
• Transaction Data: Bill payments, insurance premiums, travel bookings
• Technical Data: Device, IP, browser

2.2 Collection Methods

• Direct input (registration, transactions)
• Automated (cookies, app analytics)
• Partners (banks, insurers, travel agents)

3. How We Use Your Information

• Process payments, insurance, and bookings
• Verify identity & comply with KYC/AML
• Prevent fraud and ensure security
• Communicate service updates & offers
• Improve user experience

4. Sharing & Disclosure

4.1 With Service Partners

• Banks, BBPS networks, insurance companies
• Travel booking partners
• Cloud and fraud prevention providers

4.2 Legal & Compliance

We may disclose data to regulators, courts, or law enforcement if required.

5. Data Security

• Encryption of data in transit & rest
• PCI-DSS compliant payment handling
• Regular audits & monitoring

6. Your Rights

• Access & correct your data
• Request deletion (subject to RBI/legal rules)
• Export your data (portability)
• Opt-out of marketing

7. Cookies & Tracking

We use cookies for authentication, preferences, fraud prevention, and analytics. You can control cookies via browser/app settings.

8. Children’s Privacy

Zyrofin services are not intended for users below 18. We do not knowingly collect such data.

9. Updates

We may revise this Privacy Policy. Significant updates will be notified via email or our platform.