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Privacy Policy

How we collect, use, and protect your information

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📋Introduction📊Data We Collect⚖️Legal Basis for Data Collection🔄How We Use Your Data📅Data Retention🤝Data Sharing & Disclosure🔐Data Security👤Your Rights & Choices

Last Updated: January 2025 | Effective Date: January 2025

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Introduction

Section 1

SmartFuelPay ("Company", "we", "us", "our") operates as a digital payment platform for fuel and energy transactions in India. This Privacy Policy explains how we collect, use, disclose, and otherwise process your personal information in accordance with the Information Technology Act, 2000, Rules thereunder, RBI guidelines, and applicable data protection laws.

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Data We Collect

Section 2

Personal Information

  • •Identity Information: Full name, age, gender, national identification (Aadhaar, PAN, Driving License), passport details
  • •Contact Information: Email address, phone number, postal address, city, state, PIN code
  • •Account Information: Username, password, security questions, authentication credentials
  • •Payment Information: Bank account details, card information (tokenized), payment method preferences (collected via encrypted channels only)

Transaction Data

  • •Transactional history and logs
  • •Amount, date, time, and location of transactions
  • •Fuel station and pump details
  • •Discount Card and Corporate Card usage data
  • •Merchant information and details

Technical Data

  • •IP address, browser type, device information
  • •Operating system and hardware details
  • •NFC/BLE connectivity logs
  • •Location data (GPS coordinates, if enabled)
  • •Cookies and similar tracking technologies

Usage Data

  • •Features accessed, pages visited, time spent
  • •Search queries and interactions
  • •Error logs and performance metrics
  • •Communication preferences
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How We Use Your Data

Section 4

✓Service Delivery: Processing transactions, managing accounts, settling payments
✓Compliance & Verification: KYC/AML compliance, identity verification, statutory reporting
✓Security & Fraud Prevention: Detecting unauthorized access, preventing fraud, protecting against cyber threats
✓Service Improvement: Analytics, user research, platform optimization
✓Communication: Transaction notifications, service updates, support responses
✓Marketing: Promotional offers, loyalty programs (only with explicit consent)
✓Legal Obligations: Responding to legal notices, regulatory inquiries, compliance reporting
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Data Retention

Section 5

✓Transaction Records: Minimum 5 years (as per RBI guidelines)
✓KYC Documentation: Lifetime (as per NISM guidelines)
✓Account Information: Duration of account + 3 years post-closure
✓Technical Logs: 90 days to 1 year depending on type
✓Marketing Data: Until consent is withdrawn
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Data Sharing & Disclosure

Section 6

✓Service Providers: Payment processors, banks, card networks (under contractual obligations)
✓Regulatory Bodies: RBI, NISM, Financial Intelligence Unit (FIU), and law enforcement
✓Business Partners: Fuel merchants, corporate clients (with anonymization where possible)
✓Legal Compliance: When required by law or court order

We do NOT sell your personal data to third parties for marketing purposes.

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Data Security

Section 7

✓Encryption: AES-256 encryption for data at rest, TLS 1.2+ for data in transit
✓PCI-DSS Compliance: Payment card data handled per PCI DSS standards
✓Access Controls: Role-based access, multi-factor authentication (MFA)
✓Regular Audits: Security assessments, penetration testing, vulnerability management
✓Incident Response: 24/7 monitoring, incident response protocols
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Your Rights & Choices

Section 8

✓Right to Access: Request a copy of your personal data
✓Right to Rectification: Correct inaccurate or incomplete data
✓Right to Erasure: Request deletion of data (subject to legal obligations)
✓Right to Data Portability: Obtain data in portable format
✓Right to Withdraw Consent: Opt-out of marketing communications and non-essential processing
✓Right to Lodge Complaint: File a complaint with Data Protection Authority if applicable
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Cookies & Tracking

We use cookies for authentication, security, analytics, and user preferences. You can control cookies through your browser settings. Disabling cookies may affect platform functionality.

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Children's Privacy

Our services are not directed to individuals under 18 years. If we become aware of personal data from minors, we'll delete it promptly.

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Get in Touch

Privacy Concerns

privacy@smartfuelpay.com

Address: Chennai, Tamil Nadu, India - 600126

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Grievance Redressal

For IT Act, 2000 Section 79 compliance, our Grievance Officer:

Name

Data Protection Officer

Email

grievance@smartfuelpay.com

Response Time

30 days from receipt