Privacy Policy – Goyal Enterprises

Effective Date: 17-01-2025
Website: www.goyalpaisa.in
Business Name: Goyal Enterprises
Registered Address: Satya Vihar Colony, Khaikhedi Road, Purkazi, Muzaffarnagar, Uttar Pradesh, 251327
Support Email: Goyal

Goyal Enterprises ("we", "our", "us") is committed to protecting the privacy of all users accessing or availing services through our website, mobile app, or retail partner networks. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information.

1. Information We Collect

We may collect the following categories of personal and transactional information:

1.1 Personal Information

Full name
Mobile number
Email address
Aadhaar number (partially masked/stored securely as per UIDAI guidelines)
PAN number (if applicable)
Address details
Biometric data (fingerprint/face, processed but not stored)

1.2 Transactional Information

Service usage data (AEPS, DMT, Recharge, etc.)
Transaction ID, time, date, and amount
Bank details for money transfer or AEPS transactions
Device and browser type, IP address

2. How We Use Your Information

Your data is used for:

Processing transactions and delivering services
Identity verification (as required by law or partner banks)
Sending service alerts, transaction confirmations, or offers
Complying with legal obligations (RBI, NPCI, UIDAI guidelines)
Preventing fraud, misuse, or illegal activity
Customer support and dispute resolution

3. Data Sharing and Disclosure

We do not sell or rent your personal data. However, we may share data with:

Authorized banks for AEPS, DMT, or related services
PAN service providers like NSDL/UTI
Telecom and utility partners for recharge/bill payments
Regulatory authorities or law enforcement upon valid legal request
Technology partners (e.g., payment gateways, server providers) under strict confidentiality

4. Data Storage and Security

We implement industry-standard security protocols including:

SSL encryption
Secure login systems
Limited access to sensitive data
Regular audits and compliance checks

Biometric data used for AEPS/Face Auth is not stored by Goyal Enterprises; it is securely routed to NPCI-authorized banks as per UIDAI regulations.

5. Cookies and Tracking

Our website/app may use cookies or trackers to improve functionality. You may disable cookies in your browser, though it may affect certain features.

6. User Rights

As a user, you have the right to:

Access or update your personal information
Withdraw consent (where applicable)
Lodge a complaint with us regarding data handling

7. Data Retention

We retain personal and transaction data as long as required by applicable financial laws (usually up to 7–10 years) or to comply with regulatory audits.

8. Children's Privacy

Our services are not intended for users under 18. We do not knowingly collect data from minors.

9. Changes to this Policy

We reserve the right to update this Privacy Policy from time to time. Updates will be posted on www.goyalpaisa.com with the revised effective date.

10. Contact Us

If you have questions or concerns about this policy, please reach out to:

???? Goyal Enterprises
Satya Vihar Colony, Khaikhedi Road, Purkazi,
Muzaffarnagar, Uttar Pradesh – 251327
???? Email: goyalrecarge@gmail.com