Privacy Policy

Last updated: September 27, 2026

This Privacy Policy explains how QwikPaisa Finserv Pvt. Ltd. ("QwikPaisa", "we", "us" or "our") collects, uses, stores, shares and protects your personal information when you use the QwikPaisa mobile application (the "App"), our website https://qwikpaisa.com and our digital financial, banking and payment services (collectively, the "Services"). This page is published as the privacy policy for the QwikPaisa application on the Google Play Store.

By downloading, registering for or using the App or the Services, you confirm that you have read, understood and agree to this Privacy Policy, and you consent to the collection and use of your information as described below. If you do not agree, please do not use the App or the Services.

1. Information We Collect

1.1 Information you provide to us

• Identity and KYC details: name, mobile number, email address, gender, date of birth, address, Aadhaar number, PAN, photograph and other documents required for onboarding and KYC.
• Business details: outlet/business name, address, GST details, bank account number, IFSC and settlement details.
• Authentication details: MPIN, password and one-time passwords (OTPs).
• Biometric data: for Aadhaar-enabled services (such as AEPS, Aadhaar/e-KYC based DMT), authentication is performed using UIDAI-approved Registered Devices (RD). Fingerprint, iris or face data captured for authentication is encrypted and used only to authenticate you with UIDAI/NPCI and the relevant partner bank or vendor. We do not store your raw biometric data on our servers.

1.2 Information collected automatically

• Device information: device model, operating system version, unique device identifiers and app version.
• Network and IP address.
• Location data (device GPS and/or the location stored on your profile) where you grant permission, used to meet regulatory and vendor requirements for financial services.
• Usage and log data: your actions in the App, transactions, and crash/diagnostic logs.

1.3 Transaction data

• Details of transactions you perform, including the service used, amount, customer/beneficiary details, status and reference/UTR numbers.

2. App Permissions We Use

• Location — to meet regulatory/vendor requirements for AEPS and other financial services and to prefill your location.
• Camera, Photos and Storage — to upload KYC documents and cheques and to scan/read QR codes.
• Biometrics (fingerprint/face) — for secure login and Aadhaar-based authentication via UIDAI RD services.
• Internet and network state — to operate the Services.
• Notifications — to send transaction and service updates.

You can manage these permissions in your device settings. Disabling certain permissions may limit the functionality of the App.

3. How We Use Your Information

• To verify your identity and complete onboarding/KYC.
• To provide, operate, maintain and improve the Services.
• To process transactions such as domestic money transfer (DMT), AEPS, UPI, payouts, bill payments, recharges and settlements.
• For fraud prevention, risk management and security.
• To comply with applicable laws and guidelines, including the Prevention of Money Laundering Act (PMLA), and RBI, UIDAI, NPCI and the Digital Personal Data Protection Act, 2023 (DPDP Act).
• To provide customer support, service notifications and security alerts.
• For internal analytics and to improve the App and Services.

4. Consent and Legal Basis

We process your personal data on the basis of your consent and/or to comply with legal obligations and legitimate business purposes. You may withdraw your consent at any time by contacting us, subject to legal and contractual retention requirements.

5. Sharing of Information

We may share your information with:

• Partner banks, NPCI, UIDAI and banking correspondent/payment networks to deliver the Services.
• Service providers and vendors who support AEPS, DMT, payouts, BBPS, payment processing and KYC.
• KYC/verification agencies and credit information companies, where applicable.
• Government, regulatory or law-enforcement authorities when required by law or a valid request.

We require our partners to protect your data and to use it only for the intended purpose. We do not sell your personal data.

6. Data Security

We implement reasonable technical and organisational measures, including encryption of data in transit, access controls and secure storage, to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal data for as long as necessary to provide the Services and to comply with legal, regulatory, tax and audit requirements, after which it is deleted or anonymised.

8. Your Rights and Choices

Subject to applicable law, you may:

• Access, correct or update your personal data.
• Request erasure of your personal data.
• Withdraw consent to processing.
• Raise a grievance with our Grievance Officer.

Account and Data Deletion

You may request deletion of your account and associated personal data by emailing us at admin@qwikpaisa.com from your registered email or by contacting us using the details below. We will process verified requests within the time required by applicable law. Certain records may be retained for the period required by law (for example, transaction and KYC records) even after your account is deleted.

9. Children's Privacy

The App and Services are intended for users who are 18 years of age or older and are not directed at children. We do not knowingly collect personal data from children.

10. Cookies and Website

Our website may use cookies and analytics to improve your experience and to understand how the site is used. You can control or disable cookies through your browser settings.

11. Third-Party Links

The App or website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last updated" date. Your continued use of the App or Services after changes are posted constitutes acceptance of the updated policy.

13. Grievance Officer / Contact Us

For any questions, requests or grievances regarding this Privacy Policy or your personal data, please contact us: