The Privacy Policy of Prismpath Tech, managed and operated by PRISMPATH TECHNOLOGY PRIVATE LIMITED, explains how your personal information is collected, processed, and used whenever you access or interact with our services. This Policy does not cover external websites linked to our platform or third-party entities associated with Prismpath Technology.

Definitions:

• “we,” “our,” “us” refer to Prismpath Tech.
• “you,” “your,” “user,” or “users” refer to individuals using or accessing the platform.

If you disagree with any practices described here, please discontinue using the platform. This Policy should be read in conjunction with our Terms and Conditions, as both collectively govern the use of our services.

Information We Collect

We gather certain types of information to ensure smooth platform operation, compliance, and enhanced user experience:

1. Personal Details.
• Name, contact information (phone, email, address).
• Government-issued ID (e.g., PAN, Aadhaar) when required for KYC verification.
2. Financial Information.
• Bank account details, UPI ID, debit/credit card information.
• Invoices and billing records.
• Transaction histories maintained securely for compliance and support .
3. Technical Information.
• IP address, device type, browser version, operating system.
• Activity logs, timestamps, referral sources, and clickstream data.
4. Cookies & Trackers.
• Used to manage sessions, remember preferences, prevent fraud, optimize performance, and personalize experiences.

Purpose of Data Usage

Your information is never sold, rented, or leased for marketing purposes. Data may be shared with authorized parties only as necessary. Purposes include:

• Processing and managing financial transactions.
• Verifying identities for users and merchants.
• Ensuring legal and regulatory compliance (including KYC).
• Detecting, preventing, and investigating fraudulent activity.
• Providing customer support and resolving disputes.
• Maintaining, upgrading, and testing platform functionality.
• Sending service-related notifications and alerts.
• Conducting internal reviews, audits, and analytics.
• Personalizing user experiences and improving service quality.
• Promoting services only with user consent.

Information Disclosure

While we do not sell or lease user data, it may be disclosed in specific, legitimate cases:

• Payment Partners & Banks: For secure transaction processing.
• Merchants: To confirm successful payments and provide related transaction information.
• Service Providers: For KYC verification, fraud prevention, IT support, analytics, and cloud hosting.
• Regulatory Authorities: When required by law, court orders, or regulators.
• Corporate Restructuring: In mergers, acquisitions, or asset transfers, user data may be part of transferred business assets.

Data Retention

• Personal and financial data are retained only as long as necessary for operational or legal purposes.
• KYC records and transaction data: typically stored for 8–12 months, per regulatory requirements.
• After the retention period, information is either anonymized or securely deleted.

Data Security

We implement multiple layers of protection:

• SSL/TLS encryption for secure communication.
• Regular vulnerability testing and independent security audits.
• Restricted access limited to trained, authorized personnel.
• Multi-factor authentication, fraud detection, and data loss prevention mechanisms.

Note: No system can guarantee absolute security. Users are advised to maintain strong passwords and keep login credentials private.

Your Rights

Depending on applicable laws (including GDPR where relevant), users may:

• Access: Request a copy of the personal data we hold.
• Rectification: Update or correct inaccurate or incomplete details.
• Deletion: Request removal of personal data.
• Withdraw Consent: Revoke previously given consent.
• Restriction/Objection: Limit or object to specific processing activities.
• Data Portability: Request information in a structured, machine-readable format.

To exercise these rights, contact us at prismpathtechnologypvtltd@gmail.com.

Cookies & Tracking

Our platform uses cookies and similar technologies to:

• Manage sessions and user preferences.
• Enable login and activity tracking.
• Generate analytics and usage insights.
• Detect suspicious or fraudulent behavior.

Users may disable cookies in their browser, but some site features may not function properly without them.

External Links & Integrations

• Platform may include links or plugins from third-party services (banks, KYC providers, analytics tools).
• We are not responsible for how these third parties handle user data.
• Users should review third-party privacy policies before sharing information .

Minors’ Data Protection

• Services are intended for users 18 years and older.
• We do not knowingly collect information from minors.
• If discovered, any such data will be immediately deleted.

Policy Updates

• This Privacy Policy may be revised periodically to reflect legal, technical, or operational changes.
• Updates will be posted on this page with a “Last Updated” date .
• Users are encouraged to review the policy regularly.

User Consent

By accessing or using our services, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you disagree with any part, please discontinue using our services.

Contact Information

For any questions, feedback, or complaints regarding this Privacy Policy, contact us at prismpathtechnologypvtltd@gmail.com.