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Privacy Policy

Your privacy is important to us. We are committed to protecting your personal data in accordance with Indian laws.

This Privacy Policy describes how NammaWallet ("we," "us," or "our") collects, uses, stores, and protects your personal information. By using the NammaWallet application and services, you agree to the practices described in this policy. This policy follows the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

1. Information We Collect

We collect the following types of information to provide you with our services:

  • Personal Information: Name, phone number, email address, date of birth, and postal address.
  • KYC Documents: PAN card, Aadhaar number (masked/encrypted), or other identity proofs as required by RBI regulations.
  • Financial Information: Bank account details, UPI VPA, and transaction history.
  • Device Information: Device model, OS version, unique device identifiers, and location data (for fraud prevention and service localization).

2. How We Use Your Information

  • To process your payments and transactions securely.
  • To verify your identity and comply with KYC (Know Your Customer) norms.
  • To send transaction alerts, bills, and payment reminders.
  • To improve our app functionality and user experience.
  • To prevent fraud, money laundering, and unauthorized access.
  • To comply with legal obligations and RBI guidelines.

3. Data Security

We implement reasonable security practices and procedures as mandated by the IT Act, 2000 and RBI guidelines. Your data is encrypted in transit and at rest using industry-standard protocols (AES-256). We limit access to your personal information to employees and partners who need it to provide services to you.

4. Data Sharing and Disclosure

We do not sell your personal data. We may share your information with:

  • Banking Partners: To process payments and manage your wallet.
  • Government Authorities: When required by law, court order, or to comply with traffic/utility billing systems.
  • Service Providers: Third-party vendors who assist in OTP verification, cloud hosting, and customer support, under strict confidentiality agreements.

5. User Rights

As a user, you have the right to:

  • Access and review your personal information.
  • Request correction of inaccurate data.
  • Withdraw consent for specific data uses (this may affect service availability).
  • Delete your account and associated data, subject to retention laws mandated by RBI/PMLA.

6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, remember your preferences, and analyze usage patterns. You can manage cookie preferences through your browser settings.