At Ezeemoney , your privacy is of utmost importance to us. This Privacy Policy outlines how we collect, use, store, protect, and disclose your personal and transactional information across all our services, including digital payments, travel bookings, government registrations, financial products, insurance solutions, verification services, and offline system tools.

1. Information We Collect

We may collect the following types of information, depending on the services you use:

• Personal Identifiable Information (PII): Name, address, email, phone number, date of birth, gender, and identification documents (e.g., Aadhaar, PAN, passport, voter ID, driver’s license).
• Financial Details: Bank account number, IFSC code, UPI ID, card details, loan information, insurance history, credit/CIBIL score.
• Business Information: GSTIN, Udyam/MSME registration number, company registration documents, FSSAI license details, Shop Act registrations, etc.
• Verification Data: Government-issued IDs and numbers for verification (e.g., PAN to GST, Aadhaar OTP verification, RC or Challan details).
• Travel Information: Passenger name, travel routes, booking preferences, IRCTC credentials, and trip details.
• Device and Usage Data: IP address, browser type, operating system, access time, click patterns, and cookies.

2. How We Use Your Information

Your information is used strictly for providing and improving our services, including:

• Facilitating bill payments, recharges, and subscriptions.
• Processing bookings for bus, flight, cab, hotel, and IRCTC train tickets.
• Enabling loan applications and insurance policy issuance.
• Filing taxes, registering businesses, and applying for government licenses.
• Conducting identity and verification checks (e.g., CIBIL, KYC, PAN-Aadhaar validation).
• Sending service updates, confirmations, and customer support communications.
• Improving our services, interface, and fraud prevention systems.

3. Information Sharing and Disclosure

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

• Authorized Partners and Government Portals: For processing services such as GST, ITR, MCA registration, IRCTC bookings, insurance policies, and verification checks.
• Financial Institutions and NBFCs: When applying for loans, credit cards, or other financial products.
• Regulatory Authorities: If legally required for investigations or compliance with government regulations.
• Technology Providers: Who assist in payment processing, backend operations, fraud detection, and customer communications under strict confidentiality agreements.

4. Data Security

We implement industry-standard security practices including:

• SSL encryption for data transmission
• Secure API integration with partner platforms
• Role-based access control
• Regular audits and vulnerability scans
• OTP-based verification for sensitive operations (e.g., IRCTC, Aadhaar)

5. Your Rights & Choices

You have the right to:

• Access, update, or delete your personal data by contacting our support team
• Opt-out of marketing communications
• Withdraw consent for any service (subject to applicable laws and service limitations)
• Request data export, where legally applicable

6. Data Retention

We retain personal data only for as long as necessary to fulfill the purpose it was collected for, or as required by law (e.g., tax filings, financial regulations, audit trails).

7. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your browsing experience, remember your preferences, and analyze usage patterns. You can disable cookies via your browser settings, though it may impact certain features of our platform.

8. Third-Party Links

Our platform may contain links to third-party websites or tools. We are not responsible for the privacy practices or content of those sites. We recommend reviewing their respective privacy policies.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised “Last Updated” date. Significant changes will be notified via email or in-app notification.

10. Contact Us

For any questions, concerns, or requests related to your privacy or this policy, please contact:

• Company Name: Ezeemoney
• Address: 46 Khurla Kingra Colony, Jalandhar, Punjab, India, 144003
• Email: sukhwinderhcljal@gmail.com
• Phone: 7696079996