Introduction

CGPEY International Pvt Ltd ("CGPEY", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our QR Solutions and Payment Gateway Services.

Information We Collect

When you use CGPEY QR Solutions or Payment Gateway services, we may collect the following information:

  • Personal Information: Name, mobile number, email address, KYC details, PAN, Aadhaar, or other identity verification documents (as required by RBI/Banking regulations).
  • Business Information: Merchant name, GSTIN, business registration documents, and financial details.
  • Transaction Data: Payment amount, transaction ID, UPI ID, bank account/UPI details, and transaction history.
  • Device & Usage Data: IP address, device type, browser information, location, and logs of service usage.

How We Use Your Information

We use your information only for lawful business purposes, including:

  • To enable QR-based payment acceptance and processing transactions securely.
  • To verify your identity and comply with RBI, NPCI, and banking regulations.
  • To prevent fraud, unauthorized transactions, and other illegal activities.
  • To provide customer support and resolve disputes.
  • To improve our services, user experience, and technology.
  • To send important service-related updates, alerts, and notifications.

Sharing of Information

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

  • Banking Partners & NPCI: For transaction processing and compliance.
  • Regulatory Authorities: RBI, NPCI, law enforcement agencies (when required by law).
  • Third-Party Service Providers: For KYC verification, fraud detection, analytics, and IT infrastructure.
Contractual Safeguards

All third-party partners are contractually obligated to handle your data securely.

Data Security

We implement industry-standard security practices to protect your data:

  • Data encryption (AES-256, SSL/TLS protocols).
  • Secure servers with restricted access.
  • Regular monitoring and audits for compliance.
  • PCI-DSS compliance for payment processing.

Data Retention

We retain your data only as long as necessary for:

  • Fulfilling transaction and service obligations.
  • Compliance with legal, regulatory, and tax requirements.
  • Resolving disputes and preventing fraud.

Your Rights

As a user, you have the right to:

  • Access, update, or correct your personal information.
  • Request deletion of your data (subject to regulatory obligations).
  • Opt-out of non-essential communications.
  • Raise concerns regarding misuse of your data by contacting our support team.

Cookies & Tracking

Our website and mobile applications may use cookies or similar technologies to:

  • Improve service functionality.
  • Analyze user behavior and enhance performance.
  • Remember user preferences for a better experience.

Compliance

CGPEY complies with:

  • RBI Guidelines for Payment Aggregators & Payment Gateways.
  • NPCI UPI rules.
  • Information Technology Act, 2000 (India) and applicable data protection laws.
  • International data protection practices, where applicable.

Updates to Privacy Policy

We may update this Privacy Policy from time to time. Any significant changes will be notified via email/website/app notifications.

Contact Us

CGPEY International Pvt Ltd

Address: Ground Floor at Gangaji Tower, opposite Bharat Petrol Pump, Padum Nagar, Bhilai, Charoda, Chahattisgarh 490025.