Privacy Policy

1. About This Policy

This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. By visiting AyoPe's website or using our mobile application, you expressly give us consent to use and disclose your personal information in accordance with this Privacy Policy.

If you do not agree to the terms of the policy, please do not use or access AyoPe. The terms "We" / "Us" / "Our" refer to AyoPe and the terms "You" / "Your" / "Yourself" refer to the users.

Note: Our privacy policy is subject to change at any time without notice. You are kindly advised to review the policy periodically.

2. Personal Data

Personal Data we may collect from you includes:

• Personal details such as name, email address, contact details, residential address, date of birth, and documents such as Aadhaar, PAN, Voter ID, driving license
• Transaction history, balances, payment details for effecting transfer of money through various payment channels
• Financial details such as income and credit history needed for some products/services
• Images of documents/photos required to avail any of our products/services
• Voice recordings of conversations with our customer care agents to address queries/grievances
• Information from your mobile device including device location, communication information, contacts, call logs, device information, and transactional SMS/app notifications

3. Use of Personal Data

We use your Personal Data for the following purposes:

• SMS permission is requested only for OTP auto-detection — no other SMS access is required
• Accurate location is collected to prevent financial fraud and to provide exact coordinates to government agencies when required
• To facilitate transactions and report on these transactions
• To undertake research and analytics for improving our products/services and security
• To process your requirements submitted for products/services
• To share updates on changes to products/services and their terms
• To investigate complaints, claims, or disputes
• To verify your identity for providing products/services
• To carry out credit checks, screenings, or due diligence as lawfully required
• To conduct audits and record keeping
• For selective offers and promotions

We may provide your personal information to affiliates, trusted businesses, or service providers engaged by us to better serve your needs, based on your instructions and in compliance with this Privacy Policy.

4. Sharing of Personal Information

We may share personal information in the following circumstances:

• With our corporate entities and affiliates to provide you access to our services
• Anonymised data derived from your personal information may be shared with third parties for compliance, fraud prevention, or improving services
• We do not disclose your personal information to third parties for their marketing purposes without your explicit consent
• We may disclose personal information if required by law, court orders, or to protect the rights, property, or safety of users
• In case of merger, acquisition, or restructuring, the new entity will be required to follow this privacy policy

5. Cookie Policy

A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. We may use cookies and tracking technology depending on the features offered.

No Personal Data will be collected via cookies and other tracking technology. However, if you previously provided Personal Data, cookies may be tied to such information.

6. Security Practices

We take various steps to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure:

• Latest secure server layer encryption and access controls on all systems
• Safety and security processes audited by third-party cyber security agencies
• Multiple levels of security including Login/Logout and AppLock features
• Device binding ensures the same login cannot be used on different devices without additional OTP authentication

Important: Please do not share your AyoPe login, password, or OTP details with anybody.

7. Choice / Opt-Out

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us. If you want to remove your contact information from all lists and newsletters, please click on the unsubscribe button on the emailers.

8. Your Consent

By using the app and/or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this Privacy Policy, including your consent for sharing your information as per this policy.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

9. Grievance Officer

In accordance with the Information Technology Act 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

• Email: support@ayope.com
• Address: C 201/202, Sharanam Square, Opp. Gayatri Dairy, Khokhara Anupam Road, Ahmedabad, Gujarat - 380008

You may communicate by sending a written communication through registered post or courier at AyoPe's registered office.

10. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements.

11. Account / Data Deletion

Users may request deletion of their account and associated personal data by contacting our support team at support@ayope.com. We process such requests in accordance with applicable laws and regulatory obligations.

12. Third-Party Services

Our platform may use trusted third-party service providers such as payment gateways, analytics tools, cloud hosting providers, and messaging partners to facilitate our services. These providers process data only as necessary to provide services to us.