Privacy Policy

1. Overview

ZapKredit values user privacy and takes data protection seriously. This Privacy Policy explains how we collect, use, store, process, and protect information when users access the platform, complete verification, raise payment requests, view payment links, or track transaction activity.

2. Information we may collect

Depending on the user journey, we may collect or process the following information:

• Mobile number used for OTP-based login.
• Email address and email verification status.
• PAN details, PAN verification status, and name as per PAN.
• Aadhaar/DigiLocker verification status and masked identity details where applicable.
• Live photo submitted during KYC or verification.
• Live location, location coordinates, IP address, device/browser details, and activity logs.
• Payment request details such as amount, purpose, remarks, request status, and payment link status.
• Transaction details such as amount swiped, transaction reference, card type, commission received, receipt link, and transaction status.
• Additional documents or information requested by the admin team for verification or fraud prevention.

3. Why we collect and use this information

We collect and process information only for legitimate platform, verification, security, fraud prevention, compliance, and service-delivery purposes, including:

• To verify user identity and account ownership.
• To enable secure OTP-based login and account access.
• To perform KYC, risk, eligibility, and account review checks.
• To prevent fraud, misuse, impersonation, unauthorized access, suspicious activity, and payment abuse.
• To allow users to raise payment requests and view payment links when approved.
• To record transaction activity and provide transaction history.
• To support internal admin review, dispute handling, audit trails, and operational monitoring.
• To comply with applicable laws, lawful requests, regulatory obligations, and platform security requirements.

4. Consent and user responsibility

By using ZapKredit, users consent to the collection and processing of information required for login, KYC verification, fraud prevention, payment request processing, and transaction tracking. Users must provide accurate, valid, and self-owned information. Users should not submit documents, phone numbers, identity details, or payment information that belongs to another person without valid authorization.

5. Data sharing and third-party services

ZapKredit may use trusted third-party services for OTP login, PAN verification, DigiLocker/Aadhaar verification, payment links, hosting, analytics, database storage, fraud checks, communication, or transaction support. Data may be shared with such providers only as needed to operate the platform, complete verification, process requests, prevent fraud, or comply with legal obligations.

6. Fraud prevention and security monitoring

To protect users and the platform, ZapKredit may monitor login attempts, device/browser details, IP addresses, location data, KYC activity, payment request activity, and transaction patterns. Accounts may be restricted, paused, rejected, or sent for additional review if suspicious, incomplete, inconsistent, or high-risk activity is detected.

7. Data storage and protection

We take reasonable technical and organizational safeguards to protect user information against unauthorized access, misuse, loss, alteration, or disclosure. However, no digital system can be guaranteed to be completely risk-free. Users are responsible for keeping their OTP, device, and account access secure.

8. Data retention

We may retain user information, KYC records, logs, payment request records, and transaction records for as long as required for service delivery, fraud prevention, audit, dispute resolution, legal, regulatory, taxation, accounting, and operational purposes. Data may be deleted, anonymized, or archived when it is no longer required, subject to applicable law and business requirements.

9. User rights and requests

Users may contact the ZapKredit support/admin team to request clarification, correction, access, or deletion of eligible personal information. Certain information may need to be retained where required for legal, compliance, fraud prevention, transaction, or audit purposes.

10. Contact

For privacy, account, or data-related concerns, users may contact the ZapKredit support/admin team through the official support channel shared by ZapKredit.