Privacy Policy
Last Updated: January 2025
1. Introduction
Artham ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital payment services platform.
2. Information We Collect
Personal Information
- Name, email address, phone number
- Business details and registration information
- Government-issued identification (Aadhar, PAN)
- Bank account details for settlements
- Location data (with your permission)
Transaction Information
- Transaction history and details
- Payment methods and preferences
- Commission and settlement records
Technical Information
- Device information and IP address
- Browser type and operating system
- Usage data and analytics
3. How We Use Your Information
- To provide and maintain our services
- To process transactions and settlements
- To verify your identity and prevent fraud
- To communicate with you about services and updates
- To comply with legal and regulatory requirements
- To improve our services and user experience
- To analyze usage patterns and trends
4. Information Sharing
We do not sell your personal information. We may share your information with:
- Banking Partners: To process transactions and settlements
- Service Providers: Third parties who assist in our operations (under strict confidentiality)
- Regulatory Authorities: When required by law or regulatory compliance (RBI, tax authorities)
- Legal Obligations: To comply with legal processes or protect our rights
5. Data Security
We implement industry-standard security measures to protect your information:
- End-to-end encryption for all transactions
- Secure data storage with regular backups
- Multi-factor authentication
- Regular security audits and updates
- Access controls and monitoring
6. Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate or incomplete data
- Request deletion of your data (subject to legal requirements)
- Opt-out of marketing communications
- Withdraw consent where applicable
- File a complaint with data protection authorities
7. Data Retention
We retain your information for as long as necessary to provide services and comply with legal obligations. Transaction records are maintained as per RBI guidelines (minimum 5 years).
8. Cookies and Tracking
Our website uses cookies to improve user experience and analyze usage. You can control cookie preferences through your browser settings.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.
10. Changes to Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance.
11. Contact Us
For privacy-related questions or to exercise your rights, contact us at: