Privacy Policy

Effective Date: December 12, 2024

1. Introduction

GuardMoney (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This policy explains how we collect, use, disclose, and secure your data when you use our services. We follow the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023.

2. Information We Collect

2.1 Personal Information

  • Identity: Name, DOB, gender
  • Contact: Email, phone number, address
  • KYC Documents: Aadhaar, PAN, or other IDs for verification
  • Payment Info: Bank account, UPI details
  • Business Info: GST, business name (if applicable)

2.2 Transaction Information

  • Agreement details (terms, deliverables)
  • Amounts, currency, transaction history
  • Communication logs between parties

2.3 Technical & Usage

  • Device info: IP, browser, OS
  • Usage logs: access times, pages visited
  • Cookies and tracking data

3. How We Use Your Information

  • To verify user identity and contact details
  • To enable secure, structured payment agreements
  • To support technical and customer service needs
  • To comply with KYC/AML and tax regulations
  • To detect fraud and secure your account

4. Information Sharing

4.1 Payment Processing

  • Payment partners: Payment gateway for processing transactions
  • Banks and payment networks to facilitate fund transfers

4.2 Third-Party Services

  • Cloud hosting for secure data storage
  • Verification providers for KYC checks
  • Notification services for email/SMS

4.3 Legal & Authorities

  • Compliance with RBI, GST, tax and legal orders
  • Courts or law enforcement as required

4.4 Between Users

We share agreement and contact details between Buyer and Seller only to enable transactions.

5. Data Storage & Security

  • Data stored securely on encrypted servers
  • Access controls, MFA, and monitoring
  • Compliant with PCI DSS and Indian data laws
  • Backups, regular audits, & penetration tests
  • Transaction data retained for 10 years; KYC data for 5 years

6. Your Rights

  • Access your personal data
  • Correct inaccurate information
  • Request deletion (subject to legal retention)
  • Withdraw consent where applicable
  • Raise grievances via our officer

7. Cookies

We use cookies for platform security, login sessions, analytics, and preferences. You can disable cookies but some features may not function properly.

8. Policy Changes

We may update this policy. Material changes will be notified 30 days in advance.

9. Contact

For privacy concerns, email us at privacy@guardmoney.in. Our grievance officer will respond within 72 hours.