The Privacy Policy of Torgenpay, operated by TORGEN INNOVATIONS SOLUTIONS PRIVATE LIMITED, explains how we collect, process, and use your personal data when you access or interact with our platform. This Policy does not apply to external websites linked from our platform or third-party entities associated with Torgenpay.
Definitions
“we,” “our,” “us” – refer to Torgenpay.
“you,” “your,” “user,” “users” – refer to any individual accessing or using our platform.
If you do not agree with the terms described in this Policy, please stop using our platform immediately. This Privacy Policy should be read in conjunction with our Terms and Conditions, as both collectively govern your use of our services.
Information We Collect
We collect certain information to ensure smooth functionality, regulatory compliance, and an improved user experience:
1. Personal Information
- Full name and contact details (phone, email, and residential address)
- Government-issued ID (e.g., PAN, Aadhaar) for KYC verification
2. Financial Information
- Bank account details, and UPI ID
- Invoices and billing statements
- Transaction history maintained securely for support and compliance
3. Technical Information
- IP address, browser version, device type, and operating system
- Activity logs, timestamps, referral sources, and browsing patterns
4. Cookie and Trackers
- Session management and storing preferences
- Fraud prevention and website optimization
- Personalizing user experience
Note: Failing to provide certain information may limit access to some platform features.
Purpose of Data Use
Your information is never sold, leased, or rented for marketing purposes. Data is shared only for legitimate business or regulatory purposes, including:
- Processing and managing payments and transactions
- Performing identity verification for users and merchants
- Meeting legal, compliance, or KYC requirements
- Detecting and preventing fraudulent activities
- Providing customer support and resolving disputes
- Maintaining, monitoring, and optimizing platform performance
- Sending service alerts and important updates
- Conducting audits and analytics for internal improvements
- Customizing user experiences
- Promoting services only with explicit user consent
Information Sharing
- Payment Partners & Banks: For secure transaction processing
- Merchants: To confirm payments and transaction details
- Service Providers: For IT support, KYC verification, fraud detection, cloud hosting, and analytics
- Regulatory Authorities: When required by law or government directives
- Corporate Transactions: In case of mergers, acquisitions, or business restructuring
All third parties handling your data are required to adhere to this Privacy Policy.
Data Retention
- Personal and financial information is kept only as long as necessary for operational, legal, or compliance purposes.
- KYC documents and transaction records are usually retained for 8–12 months according to regulatory guidelines.
- After the retention period, data is securely deleted or anonymized.
Data Security
- SSL/TLS encryption for secure communication
- Regular vulnerability scans and security assessments
- Restricted access to authorized personnel only
- Multi-factor authentication and fraud monitoring
Note: While we implement industry-standard security measures, no digital system guarantees complete security. Users are encouraged to use strong passwords and secure their accounts.
User Rights
- Access: Request a copy of your personal data
- Correction: Update inaccurate or outdated information
- Deletion: Request deletion of your data
- Withdraw Consent: Revoke previously granted permissions
- Restriction/Objection: Limit or object to specific processing
- Data Portability: Receive your data in a structured, machine-readable format
To exercise these rights, contact us at support@torgenpay.com.
Third-Party Links & Integrations
- Our platform may include links or integrations with external services (e.g., banks, KYC providers, analytics tools).
- We do not control how these third parties handle your data.
- Users should review third-party privacy policies before sharing personal information.
Children’s Privacy
- Our services are intended for individuals aged 18 or above.
- We do not knowingly collect data from minors.
- Any data inadvertently collected from minors will be deleted immediately.
Policy Updates
This Privacy Policy may be updated periodically due to legal, technical, or operational changes. Changes will be reflected on this page with a revised “Last Updated” date. Users are encouraged to review this page regularly.
User Consent
By using or accessing our platform, you confirm that you have read, understood, and agreed to this Privacy Policy. If you do not agree, you must stop using our services immediately.
Contact Information
For questions, feedback, or complaints regarding this Privacy Policy, contact us at: support@torgenpay.com
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