Privacy Policy

INDIPE PRIVACY POLICY

INTRODUCTION

Welcome to Indipe Paytech Private Limited, Privacy Policy. Indipe having its registered office at FL No.2, PL No. 61, Mangal- Murti Apartment, Bassaye Nagar, Aurangabad- 431001, Maharashtra, India and Corporate Office at Office No. 412, Tower 2, World Trade Center, Kharadi, Pune-411014, Maharashtra, India (“Indipe”, “We”, “Us”, “Our”) manages website (collectively referred to as “Platform” or “Websites”) which inter alia engaged in the business of Wealth Management. The term “User” or “Users” or “You” or “Your” means any individual or entity (person) which uses, accesses or browses the Website. At Indipe we are committed to safeguarding your personal information and ensuring your privacy. This Privacy Policy outlines how we collect, use, disclose and protect your data when you interact with our website, use our services.

This document (“Privacy Policy”) is an electronic record in terms of the (i) Information Technology Act, 2000; (ii) the rules framed there under as applicable; and (iii) the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This Privacy Policy is published in accordance with the provisions of the Information Technology Act, 2000 and the rules made thereunder that require publishing the rules and regulations, privacy policy and terms of use for access or usage of our website https://www.indipe.in/ (the “Website”).

In order to provide you with access to use of the website, we have to collect and otherwise process certain data about you. This Policy explains how we process and use personal data about you. We value your trust and strive to be transparent about our practices. By using our website or services, you agree to the collection and use of information in accordance with this policy, as may be amended from time to time by us at our discretion. You also agree and consent to us collecting, storing, processing, transferring and sharing your personal information (including sensitive personal information) with the third parties or service providers for the purposes set out in this Privacy Policy.

Please take a moment to review the details below to understand how we handle your information and what choices you have regarding your data and give consent to the collection, use, disclosure, and/or retention of your personal information in accordance with the processing activities described under this policy.

BACKGROUND

This Privacy Policy applies to all person who access or use the website or the end-users of the Website (“You”). We regularly review and update our Privacy Policy. It is important that the personal data that we hold about you is accurate. The Website may include links to the third-party websites and applications (“Third Party Services”). Clicking on those links, may allow third party to collect and share data about you. We don’t control these third-party services and we are not responsible for their privacy statements. When you leave the website or access third party links through the Website, we encourage you to read the privacy policies of such third-party service providers.

YOUR INFORMATION BELONGS TO YOU

We carefully analyse what type of information we need to provide our services, and we try to limit the information we collect to only what we really need. Where possible, we destroy or anonymize this information when it’s not relevant. In all of this work our guiding principle is that your information belongs to you, and we aim to only use your information to your benefit.

COLLECTION OF PERSONAL INFORMATION

Type of Personal Information we collect

We collect personal information when you provide it to us, including but not limited to the following situations:

• Accessing our website;
• Enquiring about our Services;
• Registration for our services on our website;
• Uploading your contacts, including granting access to mobile device contacts for certain services;
• Communicating with us by phone, e-mail or otherwise;

As a result of above-mentioned actions, you might also share following information with us:

• Identifying information such as your name, address and phone number(s);
• Your date of birth;
• Your location information including your mailing address;
• Content of reviews and email to us;

SMS Information Collection and Usage:
By using the Indipe application, you authorize Indipe Paytech Private Limited to:

• Collect and process SMS information related to financial transactions for the purpose of credit risk assessment, verification, fraud detection and enhancing your experience on the platform.
• Send transactional and service- related SMS to your registered mobile number, including alerts, reminders, OTP, and updates relevant to the services which Indipe offers. 

By continuing to use the application, you consent to both the collection of SMS date and receiving SMS communications from Indipe as described above.

Information collected automatically and stored includes:

• the IP address device’s serial number or unique identification number;
• email address and password;
• the location of your devices;
• phone numbers you used to call our customer service number;
• Information you voluntarily disclose that may reveal certain characteristics about you such as your racial or ethnic origin or sexual orientation;

THIS INFORMATION MAY INCLUDE BUT NOT BE LIMITED TO THE FOLLOWING

• Identification Information such as name, gender, current district or state or country location, contact information such as email address, mobile number;
• Details of the hardware and software that you are using to access the Websites such as your computer/device name, your operating system, browser type and version, application version, operator name, screen size, CPU speed, and connection speed;
• Usage Data, which includes information about how you use the Website, your activity on the Website, user taps and clicks, user interests, time spent on the Website, details about user journey and page views.
• Additional Information relevant to your use of our websites and services such as OTP for registration, where the relevant Service of the Website requires such information.
• We also collect, use, and share aggregated data such as statistical or demographic data for any purpose. Aggregated data could be derived from your personal data but is not considered personal data under law as it does not directly or indirectly reveal your identity. However, if we combine or connect aggregated data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this Policy.

We take extra precautions to ensure that such personal information is kept secure and confidential to the best possible and we shall only retain this information as long as necessary for the purposes for which we collect it.

HOW DO WE COLLECT PERSONAL DATA?

We use different methods to collect personal information from and about you, including but not limited to, through:

1. Direct Interaction: The personal information you provide when you:
2. use our website or carry out other activities in connection with the website or mobile application;
3. Report a problem with the website, give us feedback, or contact us.

• Information we collect automatically: Each time you visit the website, we automatically collect data about your equipment, browsing actions and patterns. We collect information using cookies and other similar technologies to help distinguish you from the other users of our website.

• Information we receive about you from other sources: Sometimes you may have given your consent to other websites, services or third parties to provide information to us.
• It could include information from the third parties that we work with to provide our products and services, such as delivery companies, technical support companies and advertising companies. Whenever we receive information about you from these third parties, we will only use it in such manner that is already communicated to you, as per this policy, and for defined purpose only.

WHAT IF WHEN YOU REFUSE TO SHARE YOUR INFORMATION?

Where we need to collect personal data under the terms of this policy and you fail to provide that data when requested, we may not be able to perform the contract (for example, to provide you full access with the Website). In this case, we may have to cancel or limit your access to the Website.

HOW DO WE USE YOUR PERSONAL INFORMATION?

We will only use your personal information when the law allows us to do so. Most commonly, we will use your personal information where we need to provide you with access to the website, or where we need to comply with a legal obligation. We may use your personal information outlined below including but not limited to:

• deliver updates and other relevant information.
• understand how you use our website or services to enhance user experience.
• help us identify when you log in / visit to the website and when you register an account with us and to map a specific profile with an authorized user;
• personalize your browsing experience on the website;
• for the performance of the contractual and legal obligations;
• communicate with you;
• provide and process service request initiated by you;
• notify any changes in the terms of use or privacy policy; `
• resolve any queries related to your use of Services.
• recommendations services, ad tech services, analytic services, including but not limited to click stream information, browser type, time and date, information about your interactions with advertisements and other content, including through the use of cookies, beacons, mobile ad identifiers, and similar technologies, in order to provide content, advertising, or functionality or to measure and analyse ad performance, on our services or websites and on third party websites.

We may further be required to share your personal information in certain exceptional circumstances are as follows;

• Required by the law, or in order to comply with the judicial proceedings, court order or legal or regulatory proceedings.
• To facilitate customer onboarding and comply with Know Your Customer (KYC) obligations, as mandated by relevant financial regulations.
• To process investment activities, redemptions, and payment transactions, including but not limited to those conducted via Unified Payments Interface (UPI) services enabled by Third-Party Application Providers (TPAPs).
• To detect, prevent, and address fraud, security breaches, or other malicious activities, thereby ensuring the integrity and security of our services and systems.
• In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• Necessary for the prevention or detection of crime, including exchanging information with the other companies or organizations for the purposes of the fraud protection.
• Necessary to protect the safety of our employees, our property, our company.

You agree and acknowledge that we may share data without your consent when it is required by law or by any court or government agency or authority to disclose such information. Such disclosures are made in good faith and belief that it is reasonably necessary to do so for enforcing this Policy or the Terms, or in order to comply with any applicable laws and regulations.

We may use and/or disclose your information with the Company-controlled businesses, affiliates, and other entities within our group companies.

You agree and acknowledge that by using our website and other features of the Website, you authorise us and our affiliates to contact you via email, phone, or otherwise. You ensure that you are aware of all the features of the Website.

YOUR RIGHTS OVER YOUR PERSONL INFORMATION:

We believe your rights over your information are crucial. Depending on how you use Indipe, you may have the right to request access to, correct, amend, delete, port, restrict or object to certain uses of your personal information. Please note that these rights apply only in certain circumstances and all these rights are limited by law.

If you are not satisfied with our responses to a request, you can contact us to resolve the issue.

• Right to Access: You can request to see the personal information a company holds about you. This means they should provide you with a copy of your data upon request.
• Right to Correct: If any of your personal information is inaccurate or incomplete, you can request corrections or updates to ensure it’s accurate.
• Right to Deletion: You have the right to request the deletion of your personal data. This may not be absolute and could depend on the context or legal obligations.
• Right to Restrict Processing: You can ask a company to limit how they use your personal data in certain situations. For instance, if you believe the data is inaccurate or if you object to its use.
• Right to Object: You can object to the processing of your data for specific purposes, such as direct marketing or profiling.
• Right to Lodge a Complaint: If you believe your data is being mishandled or your rights are being violated, you can file a complaint with a relevant data protection authority or regulatory body.
• Right to Know the Purpose of Data Collection: You have the right to know why your data is being collected, how it will be used, and for how long it will be retained.

HOW WE PROTECT YOUR INFORMATION?

• We take commercially reasonable technical, physical and organizational steps to safeguard any personal information you provide, to protect it from unauthorized access or alteration or misuse.
• We take reasonable security precautions; no transmission of information can ever be completely secure or error free and you should not expect that your information will remain private under all circumstances. We (the “Company”) are not liable for any damages of any kind arising from the use of the Website, including, but not limited to, incurred directly or indirectly or any loss of data, use, good-will, or other intangible losses.
• Our team works tirelessly to protect your information and to ensure the security and integrity of our Website. We maintain physical, electronic, and procedural safeguards in connection with the collection, storage, processing, and disclosure of personal customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.

WHAT CHOICE DO YOU HAVE?

• You can always choose not to provide certain information, but then you might not be able to take advantages of many of our services.
• If you do not want to receive e-mail or other communications from us, please adjust your Customer Communication Preferences.
• If you do not want to receive interest-based ads, please adjust your Advertising Preferences.
• The Help feature on most browsers and devices will tell you how to prevent your browser or device from accepting new cookies or other identifiers, how to have the browser notify you when you receive a new cookie or how to block cookies altogether. Because cookies and identifiers allow you to take advantage of some essential features of Indipe Services, we recommend that you leave them turned on.

COOKIES

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyse site usage, and serve targeted advertisements. To enable our systems to recognize your browser or device and to provide and improve Indipe Services, we use cookies and other identifiers.

ARE CHILDREN ALLOWED TO USE INDIPE SERVICES?

You must have attained the age of majority to be able to use or access our website. If you are a minor in your jurisdiction, your registration and use of our website must be with the supervision of an adult. As a parent or legal guardian, please do not allow your minors under your care to submit Personal Information to us. In the event that such Personal Information of a minor is disclosed to us, you hereby consent to the processing of the minor’s Personal Information and accept and agree to be bound by this Privacy Policy and take responsibility for his or her actions.

However, if the Company is notified that the personal data of individuals below the age of majority has been collected by us, without user or parental consent, we shall take all necessary steps to delete such information from our servers. As a parent or legal guardian, you are encouraged to reach out to the Grievance Officer, for redressal of any complaints in relation to collection of children data.

HOW LONG DO WE RETAIN YOUR INFORMATION?

We will retain your personal data only for as long as necessary to fulfil the purposes for which we have collected it. To determine the appropriate retention period, we consider the sensitivity of your personal information for this reason we process your personal information and whether we can achieve those purposes through other means and the applicable legal requirements. We will also retain and use your personal information to the extent necessary to comply with our legal obligations, resolve disputes and enforce our policies. If you stop using our services or if you delete your account with us, we will delete your information or store your information in an aggregated and anonymized format.

CHANGES OR UPDATES TO THE PRIVACY POLICY

We may occasionally update this privacy policy. If we make changes to this policy, we will upload the revised policy on the Website or share it with you, where appropriate, notified to you by email. To the extent permitted under applicable law; by using our website after such notice, you consent to updates made to this Policy. We encourage you to periodically review this Policy for the latest information on our privacy practices.

This version was last updated on 09th May 2025.

ADVERTISING

Third-Party Advertiser: Indipe Service may include third-party advertising and links to other websites and apps. Third Party advertising partners may collect your information about you when you interact with their content and services.

Use of Third-Party Advertising Services: We provide information to the ad companies which allows them to serve you with more useful and relevant Indipe ads. We never share your name or other information that directly identifies you when we do this.

GOVERNING LAW AND JURISDICTION

This Privacy Policy shall be governed by and constructed in accordance with the laws of India, without reference to conflict of laws principles. The courts in Pune shall have exclusive jurisdiction to determine any dispute arising in relation to, or under, the terms of this privacy policy. You agree to submit to the jurisdiction of the courts in Pune and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts.

GRIEVANCE OFFICER

The Name and the Contact details of the Grievance Officer are provided below:

Email ID: grievance@indipe.in

HOW CAN YOU REACH US

If you want to make a request or complain about how we process your personal information. Please contact Indipe Support or mail us.

Indipe Paytech Private Limited
Corporate Office: Office No. 412, Tower 2, World Trade Center, Kharadi, Pune-411014, Maharashtra, India
Attn: Grievance Officer
Email Address: grievance@indipe.in

This version was last updated on 09th May 2025.