Effective Date:  May 1, 2025

1. Introduction

Welcome to OptonPay! This Privacy Policy describes how OptonPay (“OptonPay,” “we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you use our mobile application (the “App”) and related services (collectively, the “Services”).

We are committed to protecting your privacy and handling your data in an open and transparent manner. This policy is designed to comply with applicable privacy laws and Google Play Developer Program Policies.

By downloading, accessing, or using the OptonPay App and Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not use our App or Services.

2. Information We Collect

We collect information to provide and improve our Services, ensure security, comply with legal obligations, and communicate with you. The types of information we collect include:

* *a. Information You Provide Directly:*

    * *Account Registration:* Name, email address, phone number, date of birth, physical address, username, password, and potentially government-issued identification details (for identity verification/Know Your Customer (KYC) purposes).

    * *Financial Information:* Bank account details, credit/debit card information (potentially stored as tokens via secure third-party processors), transaction history within the App, account balances related to OptonPay services.

    * *Communications:* Information you provide when you contact customer support, participate in surveys, or otherwise communicate with us.

* *b. Information Collected Automatically:*

    * *Device Information:* Device model, operating system version, unique device identifiers (e.g., Android ID, Advertising ID), IP address, mobile network information, App version.

    * *Usage Information:* Details about how you interact with our App, such as features used, pages viewed, transaction frequency, session times, crash logs, and performance data.

    * *Location Information:* We may collect your device’s location (e.g., GPS, Wi-Fi triangulation) if you grant permission. This may be used for security purposes (fraud detection) or location-based features. You can typically disable location services through your device settings, but this may affect certain App functionalities.

* *c. Information from Third Parties:*

    * *Identity Verification:* We may receive information from third-party identity verification services as part of our KYC and Anti-Money Laundering (AML) compliance efforts.

    * *Financial Institutions:* Information related to your linked bank accounts or payment methods, as necessary to process transactions.

    * *Analytics Providers:* We may use third-party analytics services that collect usage data.

3. How We Use Your Information

We use the information we collect for various purposes, including:

* *Providing and Managing Services:* To create and manage your account, process transactions, facilitate payments, and deliver the core functionalities of the OptonPay App.

* *Identity Verification and Security:* To verify your identity (KYC/AML compliance), prevent fraud, secure your account, and protect the integrity of our Services.

* *Improving Our Services:* To understand how users interact with our App, troubleshoot issues, perform data analysis, develop new features, and enhance user experience.

* *Customer Support:* To respond to your inquiries, provide assistance, and resolve issues.

* *Legal and Regulatory Compliance:* To comply with applicable laws, regulations, legal processes, or governmental requests (e.g., reporting requirements, responding to subpoenas).

* *Communication:* To send you important service-related notices, security alerts, updates, and (with your consent where required) promotional materials.

4. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

* *With Service Providers:* We share information with trusted third-party companies that perform services on our behalf, such as payment processors, cloud hosting providers, identity verification services, data analytics providers, security and fraud prevention services, and customer support platforms. These providers are obligated to protect your information and use it only for the purposes for which it was disclosed.

* *With Financial Institutions:* As necessary to process transactions and manage linked accounts.

* *For Legal Reasons:* We may disclose your information if required by law, regulation, legal process (like a court order or subpoena), or governmental request, or if we believe in good faith that disclosure is necessary to protect our rights, property, or safety, or the rights, property, or safety of our users or the public.

* *In Case of Business Transfers:* If OptonPay is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of its assets, your information may be transferred as part of that transaction, subject to standard confidentiality arrangements.

* *With Your Consent:* We may share your information for other purposes if you have explicitly consented to such sharing.

5. Data Security

We implement robust technical and organizational security measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include encryption (both in transit and at rest where appropriate), access controls, secure software development practices, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes retaining data to maintain your account, provide our Services, comply with our legal and regulatory obligations (e.g., AML record-keeping requirements), resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

7. Your Privacy Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information. These may include the right to:

* *Access:* Request access to the personal information we hold about you.

* *Correction:* Request correction of inaccurate or incomplete information.

* *Deletion:* Request deletion of your personal information, subject to certain exceptions (e.g., legal retention requirements).

* *Restrict Processing:* Request restrictions on how we process your information.

* *Data Portability:* Request a copy of your information in a machine-readable format.

* *Object:* Object to certain types of processing (e.g., direct marketing).

* *Withdraw Consent:* Withdraw consent where processing is based on consent.

You can typically manage some of your information directly within the App’s settings. To exercise other rights, please contact us using the details below. We will respond to your request in accordance with applicable law.

8. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your own, where our servers or service providers may be located. Data protection laws in these countries may differ from those in your jurisdiction. We take appropriate safeguards to ensure that your personal information remains protected when transferred internationally.

9. Children’s Privacy

Our Services are not intended for individuals under the age of 13 (or a higher age threshold if required by applicable law in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete it promptly. If you believe we might have collected information from a child, please contact us.

10. Third-Party Links and Services

Our App may contain links to third-party websites or services that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy within the App, updating the “Effective Date” at the top, and/or providing other notice as required by applicable law. We encourage you to review this Privacy Policy periodically.

12. Contact Us

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

OptonPay Privacy Team

Email: info@optonpay.com

Address: Module- 613, 614, 5th Floor, SDF Building, Salt Lake, Sector V, Kolkata- 700 091