Privacy Policy

Last Updated: 1st May 2025

Mark My Cash ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our BBPS-certified payment services.

1. Information We Collect

We collect the following types of information:

Personal Identification Information: Full name, Aadhaar number (last 4 digits), PAN number, date of birth, and address provided during KYC verification.

Contact Information: Mobile number, email address, and postal address.

Financial Information: Bank account details (IFSC, account number) for settlement purposes, wallet transaction history, and payment records.

Technical Information: IP address, browser type, device information, and usage data collected through cookies and analytics tools.

2. How We Use Your Information

We use your information to:

• Process and confirm FASTag recharges and utility bill payments
• Perform KYC verification as required under BBPS and NPCI guidelines
• Calculate and credit commissions and cashback
• Send transaction confirmations, OTPs, and alerts via SMS and email
• Provide customer support and resolve disputes
• Comply with applicable laws, regulations, and regulatory reporting requirements
• Improve our platform and user experience

3. Sharing of Information

We do not sell your personal information to third parties. We may share your information with:

• NPCI / BBPS Infrastructure: To process bill payments and FASTag transactions as required by the Bharat Bill Payment System.
• Banks and Payment Networks: To facilitate settlement and dispute resolution.
• Regulatory Authorities: As required by law, court orders, or government directives.
• Service Providers: Trusted third-party vendors (cloud hosting, SMS gateways, analytics) under strict confidentiality agreements.

4. Data Security

We implement industry-standard security measures including SSL/TLS encryption, two-factor authentication (2FA), and regular security audits to protect your data. All sensitive financial information is stored in encrypted form. However, no internet transmission is 100% secure and we cannot guarantee absolute security.

5. Cookies

We use cookies to enhance your browsing experience, maintain session state, and analyse platform usage. You can control cookie settings through your browser. Please see our Cookie Policy for full details.

6. Data Retention

We retain your personal and transaction data for a minimum of 5 years as required under applicable financial regulations and BBPS compliance guidelines. After this period, data is securely deleted or anonymised.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data (subject to regulatory retention requirements)
• Withdraw consent for marketing communications at any time

To exercise these rights, contact us at privacy@markmycash.com.

8. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or a prominent notice on our platform. Continued use of our services after changes constitutes your acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy, please contact:

Mark My Cash – Data Protection Officer
Email: privacy@markmycash.com
Phone: +91 98765 43210
Address: Plot No. 42, Jubilee Hills, Hyderabad – 500033, Telangana, India