1. Introduction
Vaarahi Sunshine Wealth & Infra Private Limited ("we," "our," or "us") operates the VSun Pay platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.
2. Information We Collect
2.1 Personal Information
- Full name and contact details
- Email address and mobile number
- Address and location information
- Date of birth and age verification
- Government-issued ID documents
- Bank account and payment information
2.2 Usage Information
- Platform usage patterns and preferences
- Transaction history and payment records
- Device information and IP addresses
- Browser type and operating system
- Referral and network building activities
3. How We Use Your Information
Primary Uses
- Account Management: Creating and maintaining your VSun Pay account
- Service Delivery: Processing recharges, payments, and transactions
- Income Processing: Calculating and distributing earnings
- Communication: Sending updates, notifications, and support messages
- Compliance: Meeting legal and regulatory requirements
- Security: Protecting against fraud and unauthorized access
4. Information Sharing
4.1 We May Share Information With:
- Service Providers: Payment processors, SMS providers, and technical support
- Legal Authorities: When required by law or court orders
- Business Partners: Mobile operators and recharge service providers
- Affiliates: Other companies in our corporate group
4.2 We Do Not Share:
- Personal information with unauthorized third parties
- Financial details for marketing purposes
- Private communications or messages
- Individual earning details with other members
5. Data Security
5.1 Security Measures
- SSL encryption for all data transmission
- Secure servers with regular security updates
- Multi-factor authentication options
- Regular security audits and monitoring
- Restricted access to personal information
5.2 Payment Security
- PCI DSS compliant payment processing
- Encrypted storage of financial information
- Secure payment gateways
- Regular transaction monitoring
6. Your Privacy Rights
6.1 Access and Control
- Access: Request copies of your personal information
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your personal data
- Portability: Receive your data in a structured format
- Objection: Object to certain processing activities
6.2 Communication Preferences
- Opt-out of marketing communications
- Choose notification preferences
- Control promotional messages
- Manage email subscriptions
7. Cookies and Tracking
7.1 Types of Cookies
- Essential Cookies: Required for platform functionality
- Performance Cookies: Help improve user experience
- Analytics Cookies: Understand usage patterns
- Marketing Cookies: Deliver relevant advertisements
7.2 Cookie Management
You can control cookies through your browser settings. However, disabling certain cookies may affect platform functionality.
8. Data Retention
8.1 Retention Periods
- Account Information: Retained while account is active
- Transaction Records: 7 years for tax and legal compliance
- Communication Logs: 2 years for support purposes
- Marketing Data: Until consent is withdrawn
8.2 Deletion Process
When data is no longer needed, we securely delete or anonymize it according to our data retention schedule and applicable laws.
9. Third-Party Services
9.1 Integrated Services
- Payment gateways (Razorpay, PayU, etc.)
- SMS service providers
- Email service providers
- Analytics platforms (Google Analytics)
- Social media platforms
9.2 Third-Party Policies
These services have their own privacy policies. We encourage you to review their policies before using their services through our platform.
10. International Transfers
Your information may be transferred to and processed in countries other than India. We ensure appropriate safeguards are in place to protect your information during such transfers.
11. Children's Privacy
Our platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware of such collection, we will delete the information immediately.
12. Changes to Privacy Policy
We may update this Privacy Policy periodically. We will notify you of significant changes through email or platform notifications. Your continued use of the platform after changes indicates acceptance of the updated policy.
14. Grievance Redressal
If you have any concerns about how we handle your personal information, please contact our Data Protection Officer. We are committed to resolving privacy-related issues promptly and fairly.