1. Introduction
Welcome to ApnaPay (“Company,” “we,” “us,” or “our”). This Privacy Policy explains how S D HUB (OPC) PRIVATE LIMITED (“Data Controller”) collects, uses, stores, shares, and protects your personal information when you access or use our ApnaPay APP, ApnaPay APK, website, and related services (collectively, “Services”).
By downloading Apna Pay app download, completing Apna Pay login, or using Apna Pay latest Version, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree, please do not use our Services.
This Privacy Policy is compliant with the Digital Personal Data Protection Act (DPDPA), 2023 of India and applicable data protection laws.
2. Information We Collect
2.1 Personal Information You Provide
When you register for Apnapay 2026 or use our Services, we collect:
| Category | Information Collected |
|---|---|
| Identity Information | Full name, date of birth, gender |
| Contact Information | Mobile number, email address, residential address |
| KYC Documents | PAN card, Aadhaar number, passport, voter ID |
| Financial Information | Bank account details, UPI ID, credit/debit card information |
| Login Credentials | Password, PIN, security questions |
| Device Information | Device ID, IMEI number, MAC address |
2.2 Information Collected Automatically
When you use ApnaPay APP or sdpay new version ApnaPay, we automatically collect:
- Device Data: IP address, operating system, browser type
- Usage Data: App usage patterns, feature preferences, session duration
- Location Data: GPS location (with your consent)
- Transaction Data: Payment history, transaction amounts, merchant details
- Log Data: Timestamps, error logs, app crashes
2.3 Information from Third Parties
We may receive information from:
- Banks and financial institutions
- KYC verification agencies
- Credit bureaus
- Government databases (for verification)
3. How We Use Your Information
We use your personal data for the following purposes:
3.1 Service Provision
| Purpose | Description |
|---|---|
| Account Management | Creating and maintaining your Apna Pay login account |
| Transaction Processing | Processing payments, recharges, and bill payments |
| KYC Verification | Verifying identity as per regulatory requirements |
| Customer Support | Resolving queries and providing assistance |
3.2 Security and Fraud Prevention
- Detecting and preventing fraudulent transactions
- Authenticating users during Apna Pay login
- Monitoring suspicious activities
- Complying with legal obligations
3.3 Service Improvement
- Analyzing app performance
- Developing new features for Apna Pay latest Version
- Personalizing user experience
- Conducting research and analytics
3.4 Communication
- Sending transaction alerts and notifications
- Providing updates about ApnaPay APK or Services
- Marketing communications (with your consent)
- Security alerts and important notices
4. Legal Basis for Processing
We process your personal data based on:
- Consent – When you agree to our terms during Apna Pay app download
- Contractual Necessity – To provide Services you’ve requested
- Legal Obligation – Compliance with RBI, DPDPA, and other regulations
- Legitimate Interests – Fraud prevention and service improvement
5. Data Sharing and Disclosure
5.1 Categories of Recipients
We may share your information with:
| Recipient Category | Purpose |
|---|---|
| Payment Partners | Banks, NPCI, UPI infrastructure providers |
| Service Providers | Cloud hosting, analytics, customer support |
| Regulatory Authorities | RBI, Government agencies (when required) |
| Law Enforcement | Court orders, legal proceedings |
| Business Partners | Merchants for transaction fulfillment |
5.2 International Transfers
Currently, ApnaPay stores data within India. If international transfers become necessary, we will ensure:
- Adequate protection measures
- Compliance with DPDPA requirements
- Your explicit consent where required
6. Data Security
Apnapay 2026 implements robust security measures:
6.1 Technical Safeguards
- Encryption: 256-bit SSL/TLS encryption for data transmission
- Secure Storage: Encrypted databases with access controls
- Firewalls: Advanced network protection systems
- Regular Audits: Security assessments and penetration testing
6.2 Organizational Measures
- Employee background verification
- Data access on need-to-know basis
- Regular security training
- Incident response procedures
6.3 Your Security Responsibilities
- Keep Apna Pay login credentials confidential
- Use strong, unique passwords
- Enable two-factor authentication
- Report suspicious activities immediately
7. Data Retention
We retain your personal data for:
| Data Category | Retention Period |
|---|---|
| Account Information | Duration of account + 5 years |
| Transaction Records | 10 years (as per RBI guidelines) |
| KYC Documents | Duration of relationship + 5 years |
| Log Files | 1 year |
| Marketing Data | Until consent withdrawal |
After the retention period, data is securely deleted or anonymized.
8. Your Rights Under DPDPA
As an Indian resident, you have the following rights:
8.1 Right to Access
Request copies of personal data we hold about you.
8.2 Right to Correction
Request correction of inaccurate or incomplete data.
8.3 Right to Erasure
Request deletion of your data (subject to legal retention requirements).
8.4 Right to Grievance Redressal
File complaints with our Data Protection Officer or the Data Protection Board of India.
8.5 Right to Nominate
Nominate another individual to exercise your rights in case of death or incapacity.
8.6 Right to Withdraw Consent
Withdraw consent for data processing (may affect Service availability).
9. Cookies and Tracking Technologies
ApnaPay APP and website use:
| Technology | Purpose |
|---|---|
| Essential Cookies | Apna Pay login authentication, security |
| Analytics Cookies | Understanding app usage patterns |
| Preference Cookies | Remembering your settings |
| Marketing Cookies | Personalized offers (with consent) |
You can manage cookie preferences through your device settings.
10. Children’s Privacy
ApnaPay is not intended for users under 18 years of age. We do not knowingly collect data from minors. If we discover such data, we will delete it immediately.
Parents/guardians can contact us if they believe their child has provided personal information.
11. Third-Party Links and Services
Our ApnaPay APK and Services may contain links to third-party websites or services. We are not responsible for:
- Their privacy practices
- Content on external sites
- Security of third-party platforms
We encourage you to review their privacy policies before sharing information.
12. Data Breach Notification
In case of a personal data breach, we will:
- Notify the Data Protection Board within 72 hours
- Inform affected users without undue delay
- Take immediate remedial measures
- Cooperate with regulatory authorities
13. Updates to This Privacy Policy
We may update this Privacy Policy to reflect:
- Changes in Apna Pay latest Version
- New features or services
- Legal and regulatory requirements
- Security enhancements
Notification Method:
- In-app notifications
- Email to registered address
- Website announcements
Continued use after changes constitutes acceptance.
14. Grievance Officer and DPO
Data Protection Officer (DPO)
Name: [DPO Name]
Email: dpo@apnapay.com
Address: [Company Address], India
Grievance Officer
Name: [Grievance Officer Name]
Email: grievance@apnapay.com
Phone: 1800-XXX-XXXX
Response Time: Within 30 days of complaint receipt
15. Contact Information
For privacy-related queries, contact:
📧 Email: privacy@apnapay.com
📞 Phone: 1800-XXX-XXXX
🌐 Website: sdpay.co.in
📍 Address:
S D HUB (OPC) PRIVATE LIMITED
[Full Address]
India
16. Consent
By clicking “I Agree,” completing Apna Pay login, or continuing to use ApnaPay APP, ApnaPay APK, or Services, you:
✅ Acknowledge reading this Privacy Policy
✅ Consent to data collection and processing as described
✅ Confirm you are 18+ years old
✅ Agree to updates communicated to you