Privacy Policy

AcultPay Privacy Policy

1. Introduction

Welcome to AcultPay (“we,” “our,” or “us”). We are a digital payment services and payout provider headquartered in India, offering services including online payments, mass payouts, UPI transfers, API integrations, and settlement solutions across India.

This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use our website, mobile apps, APIs, or services.

2. What Information We Collect

To deliver and improve our services, we collect the following categories of personal data:

a. Account & Identity Data: Name, email, mobile number, business details, financial identification (e.g. PAN).

b. Transaction Data: Payment details such as amount, beneficiary account, UPI/VPA, transfer mode (IMPS, NEFT, RTGS), order IDs, status.

c. Technical & Device Data: IP addresses, device identifiers, log files, and browser type.

d. Usage Data: Platform usage analytics, support requests, webhook callbacks.

e. Third-Party Data: Information from banking partners and verification networks.

3. How We Use Your Personal Data

We process your data to:

Facilitate payments and payouts securely.
Verify accounts and beneficiaries via our payout APIs (e.g. POST requests and status checks).
Provide real-time updates and reconciliation.
Maintain compliance with RBI, PCI DSS, AML/KYC, and ISO-certified standards.
Communicate important service updates, notifications, or support alerts.
Analyze trends to enhance platform performance.
Enable webhook integrations with checksum verification for reliability.

4. Data Sharing & Disclosure

We may share your data with:

Banks & settlement partners: to process transfers via IMPS, NEFT, RTGS, UPI, AEPS.
Regulatory authorities: for compliance audits and anti-fraud checks.
Service providers & technical partners: to manage hosting, security, analytics, or support services.
Law enforcement agencies: when required by law or court orders.

AcultPay does not sell or rent personal data to third parties.

5. Data Security & Retention

We employ world-class security, including encryption in transit and at rest, webhooks with checksum verification, AES128 mechanisms, and access controls.

Your data is retained only as long as necessary for legal compliance, business operations, or customer support—typically 7 years or as mandated by law.

6. Your Rights & Choices

You may:

Access, correct, or delete your personal information.
Restrict or object to data processing (e.g. for direct marketing).
Withdraw consent where required (without impacting service continuity).
Request portability of your data in a structured format.
Lodge a complaint with relevant regulatory authorities.

To exercise these rights, contact our privacy team at admin@acultpay.com.

7. Cookies & Analytics

We use cookies and tracking tools (e.g. Google Analytics) to collect usage data. These help us analyze website usage, identify performance issues, and improve features.

You can manage cookie preferences via your browser settings or cookie consent panel.

8. International Transfers

Your data may be accessed by our safe third-party providers or affiliates who maintain similar data protection standards.

If transferred outside India, we're committed to maintaining contractual safeguards in line with Indian law.

9. Children’s Privacy

Our platform is intended for business and adult users only—not children under 18. We do not knowingly collect data from minors.

10. Updates to Policy

We may update this policy from time to time. Any changes will be published on our website and notified to you via email or dashboard alerts.

For previous versions, please request admin@acultpay.com.

11. Contact Us

If you have questions or concerns about this Privacy Policy, our data practices, or your rights, please reach out:

Email: admin@acultpay.com

Address: 16/1 LF ROAD MADURAI ROAD, RAMANATHAPURAM, Tamil Nadu, India, 623501