Company Name: SS ENTERPRISES
App Name: RKC Saral
Email: support@rkcsaral.com
Phone: +91-9919230555
Website: https://rkcsaral.com

RKC Saral (“we,” “us,” “our,” or “Data Fiduciary”) is committed to protecting the privacy and security of your personal data. This Privacy Policy (“Policy”) outlines how we collect, process, use, store, share, and protect your digital personal information in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and other applicable laws, including Google Play Store requirements.

We adhere to the principle of data minimization, collecting only the data necessary to provide our services. By using the RKC Saral app, you consent to this Policy. If you do not agree with this Policy, please do not use the app.

1. Consent and Notice

In compliance with the DPDP Act, we obtain your explicit, informed, free, specific, unconditional, and unambiguous consent before processing your personal data. Consent is collected via app pop-ups, checkboxes, or other clear mechanisms.

Explicit Consent: Obtained for sensitive data such as financial or KYC information. You may withdraw consent at any time, though this may affect service availability.

Notice: We provide clear notice at the time of installation or registration regarding purpose, type, and use of data.

Children’s Consent: Users under 18 require verifiable parental consent.

2. Information Collection
We collect only the data necessary to provide financial and digital services such as mobile recharge, DTH, AEPS, BBPS, and UPI. Data is collected automatically or through user input.

2.1 Personal Information

Name

Mobile Number (for OTP verification)

Email Address (for communication)

KYC Details (PAN, Aadhaar, Address) – required for financial services under RBI/NPCI guidelines

2.2 Financial & Transaction Data

Bank account details, UPI ID, or payment info

Transaction History related to recharges or payments

Sensitive data handled under PCI-DSS compliance

2.3 Device & Technical Info

Device ID, IMEI, MAC Address

IP Address, Browser Type, OS, App Version

Location Data (GPS or IP-based) – only with consent, when required for services

App usage data, crash reports, session logs

2.4 Other Information

Customer Support Data (chat/call with consent)

Promotional or campaign participation data

Analytics via SDKs (e.g., Google Analytics, Firebase)

3. Use of Information

To provide and improve services and process transactions

For verification, fraud detection, and compliance with KYC/AML rules

To offer customer support and send updates or notifications

To perform analytics and research (only anonymized data used)

To comply with RBI, NPCI, and other regulatory requirements

4. Data Sharing and Disclosure
We do not sell or rent your information. Data is shared only with authorized entities, as per law:

Service Providers: Banks, payment gateways, telecom operators, API partners (as Data Processors)

Legal Authorities: When required under law or court order

Internal Use: For audits, fraud prevention, and security

Business Transfers: If merged or acquired, under equal protection

Third-Party SDKs (e.g., Google Ads) have separate privacy terms

5. Data Storage and Retention
All data is securely stored on servers in India using cloud infrastructure (e.g., AWS) compliant with MeitY and RBI norms. International transfers occur only under lawful contractual clauses.

Retention Period: Personal and transaction data is retained for up to 8 years or as legally required under RBI and taxation laws, whichever is longer. After expiry, it is securely deleted or anonymized. Users may request deletion under applicable conditions.

6. Data Security

Encryption (SSL/TLS) for data in transit and at rest

Firewalls, access controls, and regular vulnerability audits

Compliance with PCI-DSS and ISO 27001 standards

Breach Notification: Users and authorities are informed within 72 hours in case of breach

7. Cookies and Tracking
We use cookies, web beacons, and analytics tools to enhance user experience and measure performance. You can disable cookies through browser settings, but some features may not work properly.

8. Children’s Privacy
Our services are not intended for users under 18. If a minor’s data is found, it will be deleted, and guardians will be notified.

9. Your Rights

Right to Access – obtain a copy of your data

Right to Correction – fix inaccurate data

Right to Erasure – request deletion (where permissible)

Right to Object – object to data processing

Right to Portability – transfer your data

Right to Grievance – raise complaints with us or DPB

To exercise these rights, contact us via support@rkcsaral.com. We will respond within 30 days.

10. Grievance Redressal
For complaints or concerns regarding your data or this Policy, contact our Grievance Officer:
Email: support@rkcsaral.com

We aim to resolve grievances within 30 days. If unresolved, users may contact the Data Protection Board of India.

11. Policy Updates
We may revise this Privacy Policy periodically to reflect changes in laws, practices, or features. Updates will be posted on this page, and continued app use will imply acceptance.

12. Contact Us
Company Name: SS ENTERPRISES
App Name: RKC Saral
Email: support@rkcsaral.com
Phone: +91-9919230555
Website: https://rkcsaral.com