Privacy Policy

Welcome to RK PAY INDIA. We value your trust and are completely committed to protecting your personal data, transaction parameters, and digital privacy. This Privacy Policy outlines how we collect, process, safeguard, use, and manage your commercial and individual details when you access or complete transaction handshakes on our B2B retailer portal, associated web modules, or localized application endpoints (collectively referred to as the "Platform").

By accessing, registering an account, or processing client utility transactions on RK PAY INDIA, you explicitly agree to the policies and structured conditions detailed in this document. If you do not consent to these rules, please suspend system access immediately.

1. Information We Collect

To maintain automated technical routing, advanced double-entry accounting balances, and instantaneous commission distributions, we securely capture and process the following functional data:

• Merchant Profile Metrics: Full legal name, business entity registration data, physical business address, commercial email, and active mobile strings.
• Regulatory KYC Records: Secure document uploads including Permanent Account Number (PAN) details, Aadhaar validations, passport-sized merchant photography, and associated business verification certificates.
• Core Transaction Parameters: Consumer mobile strings routed for recharge, unique DTH subscriber tracking numbers, utility distributor customer codes, calculated invoice parameters, final payout counts, ledger logs, and closing wallet balances.

2. How We Process Collected Data

All gathered structural metrics are parsed and executed strictly under mathematical data limits to satisfy high-volume transaction reliability:

• To facilitate prepaid advances handling, wallet deductions, mathematical precision rounding (down to 2 decimal points), and instantaneous reversals of failed API responses.
• To distribute real-time commissions across downline network hierarchies including Distributor and Super Distributor advancement tiers without balance leakage.
• To process administrative KYC verifications mandatory under banking guidelines and Reserve Bank of India (RBI) frameworks for online payment processors.

3. Information Security & Cryptographic Protection

RK PAY INDIA deploys modern defense mechanisms to insulate transaction ledgers and active advance reserves against unauthorized access, leakage, or unapproved configurations:

• Cryptographic Gateway Handshakes: All third-party API communication boundaries operate over fully enforced Transport Layer Security (TLS 1.3) data pipelines.
• Transaction Verification PIN Module: Wallet debit actions and fund management top-ups conditionally validate a strict 6-digit transaction PIN filter to enforce wallet asset security.

4. Data Sharing Declarations

We strictly maintain a zero-compromise data sharing policy. We do not lease, trade, or distribute merchant parameters to marketing organizations. Information routing is restricted to downstream system utilities, banking partners, and payment aggregators (such as Razorpay) strictly for top-up clearance, or under judicial processing requests by legal authorities inside the Republic of India.