Kepto Fintech Pvt. Ltd. (“Company”, “we”, “our”, “us”) is committed to protecting the privacy and personal data of all users (“you”, “your”) who access our website, applications, platforms, and fintech services. This Privacy Policy outlines how we collect, process, store, use, disclose, and safeguard your information in accordance with applicable data protection laws and industry standards.

By using our website or any of our services, you agree to the practices described in this Privacy Policy.

1. Introduction

Kepto Fintech Pvt. Ltd. is a financial technology company offering BBPS bill payment solutions, custom payment architecture, CRM systems for financial institutions, and invoicing solutions.
Due to the sensitive nature of financial data, we maintain strict confidentiality, data protection controls, and regulatory compliance across all our systems.

2. Information We Collect

We may collect the following categories of information:

A. Personal Information

- Full name
- Contact details (email, phone number)
- Address / Location details
- Government-issued identifiers (as per compliance requirements)
- KYC-related documents (Aadhaar, PAN, etc.)
- Date of birth
- Business or organizational details

B. Financial Information

- Transaction details
- Payment method and billing details
- Bank account or UPI details (if required for service delivery)
- Bill payment history

C. Technical & Usage Data

- IP address
- Device information
- Browser type and OS
- Usage logs and activity on our platform
- Cookies and tracking information

D. Third-Party Information

Information received from payment gateways, BBPS partners, banks, NBFCs, telecom operators, and financial service providers as necessary for transaction processing or verification.

3. How We Use Your Information

We use your information for the following purposes:

- To provide and manage our services (BBPS, payment architecture, CRM, invoicing, etc.)
- To verify identity, perform KYC, and meet compliance obligations
- To process payments and transactions securely
- To maintain transaction history and financial accuracy
- To improve security, fraud detection, and risk mitigation
- To provide technical support and customer assistance
- To enhance user experience, performance, and website functionality
- To send service-related notifications, alerts, and updates
- To comply with legal, regulatory, and audit requirements (RBI/NPCI/Statutory Authorities)

We never sell your personal or financial data to any third party.

4. Sharing of Information

We may share information only under the following circumstances:

A. Regulatory and Compliance Requirements

With authorized entities such as:

- NPCI
- Banking Partners
- BBPS Ecosystem Members
- Law enforcement or regulatory authorities

B. Service Providers

With trusted third-party vendors who assist us in:

- Payment processing
- KYC verification
- Data hosting and infrastructure
- Customer support
- Security monitoring

All such partners are bound by confidentiality and data protection agreements.

C. Legal Requirements

If required to protect our legal rights, enforce our policies, or comply with a court order/regulatory directive.

5. Data Storage & Security

We implement strict industry-standard security controls including:

- Data encryption (in transit and at rest)
- Secure server infrastructure
- Firewall and intrusion monitoring
- Role-based access controls
- Regular security audits and vulnerability assessment
- Compliance with RBI/NPCI security standards

We take all reasonable steps to prevent unauthorized access, misuse, or disclosure of your data.

6. Data Retention

We retain your information only for as long as:

- Required for providing services
- Required under applicable laws (RBI, NPCI, IT Act, taxation, audit, etc.)
- Necessary for resolving disputes or enforcing agreements

After the mandatory retention period, data is securely deleted or anonymized.

7. Cookies & Tracking Technologies

Our website may use cookies, analytics tools, and similar technologies to:

- Improve website functionality
- Track user preferences and performance
- Enhance user experience
- Maintain session security

You can control cookies through your browser settings.

8. Your Rights

Depending on applicable laws, you may have the right to:

- Access your personal data
- Correct or update inaccurate information
- Request deletion of data (subject to legal limits)
- Withdraw consent for non-essential processing
- Request a copy of your data
- Complain to regulatory authorities if needed

To exercise these rights, contact us at: Email: support@keptofintech.com

9. Third-Party Links

Our website may contain links to third-party sites or services. We are not responsible for their privacy practices, content, or policies. We encourage you to review their privacy policies before interacting with them.

10. Children’s Privacy

Our services are not intended for individuals under 18 years of age.
We do not knowingly collect data from minors.

11. Changes to This Privacy Policy

We may update or modify this policy periodically.
Revised versions will be posted on this page with the updated date.
Continued use of our services indicates acceptance of any changes.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

Kepto Fintech Pvt. Ltd.
501, Business Bay Tower, Andheri East, Mumbai – 400059 Maharashtra, India
Email: support@keptofintech.com
Phone: 6377605341

Email : support@keptofintech.com
Website : www.keptofintech.com