Privacy Policy

Privacy Policy

Your privacy and trust are our top priorities at StarPe Financial Services.

StarPe Financial Services Private Limited, registered at [insert registered address], (“StarPe”, “we”, “our”, “us”) values your trust and respects your privacy. This Privacy Policy explains how we collect, use, store, process, and protect your personal data when you access our services, websites, and mobile applications (including the StarPe Wallet and StarPe Partner Platform).

By accessing or using StarPe’s website or mobile application, you expressly consent to the use and handling of your personal data in accordance with this Privacy Policy and applicable Indian data protection laws, including the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

1. Types of Information We Collect

StarPe may collect personal and sensitive personal information (“Personal Data”) when you interact with our platforms, register, transact, or communicate with us. The information is collected lawfully and only as relevant to StarPe’s financial services.

Personal Information
  • Name, age, gender, address, photograph, email ID, contact number, and nominee details.
  • Financial identifiers such as PAN, GST, or other KYC-related details.
  • Aadhaar information (Voluntary, for e-KYC authentication with UIDAI).
  • Business-related or employment information (for merchant or partnership arrangements).
Transaction & Account Information
  • Wallet balance, bank account details, transaction history, order IDs, investment data, and payment methods used.
  • Service fulfillment and communication details for transactions.
Device & Usage Data
  • Device identifiers, IP address, browser type, plug-ins, app usage, cookies, and location.
  • Limited access to SMS messages (for reading OTPs and payment transaction verification only).

StarPe may also collect information from third parties, such as partners, credit bureaus, publicly available databases, or background verification agencies, for legitimate business purposes.

2. Sharing and Storage of Information

  • All sensitive personal data is securely stored on servers within India, protected with end-to-end encryption.
  • Data may be processed by third-party vendors under strict confidentiality obligations.
  • Information is retained only for as long as your account is active or as required by law and regulatory guidelines.
  • Generic usage statistics may be shared for analytical and reporting purposes without revealing identities.
  • Personal Data may be disclosed to lawful authorities upon valid request or court direction.

3. How We Use Your Personal Information

  • Facilitating and managing digital payment transactions and user-verification.
  • Conducting KYC validation, background checks, and fraud-prevention screening.
  • Responding to queries, feedback, or complaints.
  • Providing product updates, offers, and personalized service notifications.
  • Internal data analysis to improve security, performance, and user convenience.
  • Complying with legal, audit, or regulatory reporting obligations.
  • Conducting risk assessments and merchant due diligence.
  • Performing marketing communication (only after consent).

4. Retention and Deletion of Personal Data

You can choose to delete your account from the StarPe App or Website at any time. Once deleted:

  • StarPe will no longer process your data for operational purposes.
  • Certain transaction logs may be securely retained to comply with applicable Indian laws.
  • Data will be permanently purged when statutory retention obligations expire.

5. Cookie Policy

  • Cookies store limited technical information, such as session data and preferences.
  • No personal information is stored unless voluntarily provided.
  • You can disable cookies via browser settings, though this may affect site performance.

6. Security Practices and Procedures

StarPe adopts reasonable security practices and advanced encryption standards to prevent unauthorized access, loss, or misuse of data.

  • Multi-factor authentication, OTP validation, and secure login systems.
  • Automatic device-binding to prevent unauthorized logins.
  • Periodic audits by certified cybersecurity auditors.
  • Encryption using modern TLS/SSL protocols.

Note: Never share your passwords, OTPs, or account credentials with anyone.

7. Consent and External Links

By continuing to use StarPe’s website, app, or services, you consent to this Privacy Policy. StarPe may contain links to third-party platforms; we are not responsible for their data privacy practices. Please review their privacy policies before sharing personal data.

8. Policy Updates

StarPe may update this Privacy Policy periodically. Updates will be posted on our website with the effective date. Users are encouraged to review the policy regularly.

Contact for Privacy Queries

Data Protection Officer (DPO)
StarPe Financial Services Pvt. Ltd.
Email: support@starpe.in