This Privacy Policy explains how Koshyari Communication ("we", "us"), operator of FastUPIGateway, collects, uses, and protects information when you use our Services.

1. Information We Collect

• Account information: Name, mobile number, email, business name, and password (stored encrypted).
• KYC information: PAN, Aadhaar, and related documents where you choose or are required to submit them.
• Payment routing details: Your UPI ID / QR details used to generate payment links (funds go directly to you, not to us).
• Transaction metadata: Order IDs, amounts, timestamps, and status — needed to show your dashboard and reports.
• Technical data: IP address, browser, and usage logs for security.

2. What We Do NOT Collect

We do not collect or store your customers' bank credentials, UPI PINs, card numbers, or passwords. We never handle or store the actual money — it moves directly between the customer and your account.

3. How We Use Information

• To provide and operate the Services and your dashboard.
• To verify your identity (KYC) where applicable.
• To generate payment links/QR and show transaction reports.
• To communicate service updates, alerts, or support responses.
• To detect fraud and comply with legal obligations.

4. Data Sharing

We do not sell your personal data. We may share information only: (a) with your consent, (b) to comply with law, court orders, or regulatory/banking authorities, or (c) with trusted service providers (e.g. hosting) strictly to operate the Services.

5. Data Security

We use reasonable technical measures including encrypted passwords, prepared database queries, and HTTPS to protect your data. However, no method is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your account and transaction data for as long as your account is active or as required to comply with legal, tax, and accounting obligations.

7. Your Rights

You may request access to, correction of, or deletion of your personal data by contacting us, subject to legal retention requirements.

8. Cookies

We use minimal cookies/session storage to keep you logged in and to operate the dashboard. We do not use them for advertising.

9. Changes

We may update this Privacy Policy from time to time. The latest version will always be posted on this page.

10. Contact

For privacy questions, contact koshyarilalit@gmail.com or WhatsApp 9997040329.