Privacy Policy

Introduction

Connect Pe, operated by Rafi Fintech, is dedicated to maintaining the trust and confidence of our users. This Privacy Policy describes how we handle your personal information for our services on our website and mobile applications.

Information We Collect

We collect various types of information to provide and improve our services:

Personal Information

• Identity Data: Name, date of birth, gender, PAN card details, Aadhaar number
• Contact Data: Email address, phone number, billing address
• Financial Data: Bank account details, UPI IDs, transaction history
• Authentication Data: Username, password, security questions
• KYC Documents: Identity proofs, address proofs as required by regulations

Technical Information

• IP address and device identifiers
• Browser type and version
• Operating system and platform
• Location data (with your permission)
• Usage data and analytics

Transaction Information

• Recharge and payment details
• Beneficiary information for payouts
• Transaction amounts and timestamps
• Payment method preferences

How We Use Your Information

We use collected information for the following purposes:

Information Sharing and Disclosure

We may share your information in the following circumstances:

With Service Providers

• Payment processors and banking partners
• Mobile operators and utility service providers
• Cloud hosting and data storage services
• Analytics and monitoring services
• Customer support platforms

For Legal Compliance

• When required by law or legal process
• To comply with regulatory requirements (RBI, NPCI guidelines)
• To protect our rights, property, or safety
• In response to government or law enforcement requests

Data Security

We implement robust security measures to protect your information:

• Encryption: All data transmission is encrypted using SSL/TLS protocols
• Secure Storage: Data is stored in encrypted databases with restricted access
• Access Controls: Role-based access and multi-factor authentication
• Regular Audits: Security assessments and vulnerability testing
• Monitoring: 24/7 system monitoring for suspicious activities
• Compliance: Adherence to PCI-DSS and industry security standards

Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory obligations (typically 7-10 years for financial records)
• Resolve disputes and enforce our agreements
• Maintain business continuity and disaster recovery

When data is no longer required, we securely delete or anonymize it in accordance with our data retention policy.

Your Rights and Choices

You have the following rights regarding your personal information:

Access and Portability

• Request access to your personal data
• Obtain a copy of your data in a structured format

Correction and Update

• Update inaccurate or incomplete information
• Correct errors in your profile or account details

Deletion

• Request deletion of your account and personal data (subject to legal obligations)
• Right to be forgotten where applicable

Objection and Restriction

• Opt-out of marketing communications
• Object to certain data processing activities
• Request restriction of data processing

To exercise these rights, please contact us at info@rafifintech.com

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Help us understand usage patterns and improve services
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Deliver relevant advertisements (with your consent)

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this privacy policy and applicable data protection laws.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Significant changes will be notified through:

• Email notifications to registered users
• Prominent notices on our website
• In-app notifications

Your continued use of our services after such modifications constitutes your acknowledgment and acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Consent

By using Connect Pe services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.