PRIVACY POLICY

Effective Date: June 2026

1. Introduction

MTM Payment Services Private Limited (“MTMPay”, “Company”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of information entrusted to us by our users, merchants, partners, and visitors.

This Privacy Policy explains how MTMPay collects, uses, stores, processes, shares, protects, and retains information when you access or use our websites, mobile applications, APIs, software platforms, products, and services.

By accessing or using MTMPay services, you consent to the collection and use of information as described in this Privacy Policy.

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2. Scope

This Privacy Policy applies to:

• MTMPay Website

• MTMPay Android Application

• MTMPay iOS Application

• Merchant Dashboard

• Customer Dashboard

• Payment Gateway Services

• Payout Services

• Collection Services

• Recharge Services

• BBPS Services

• Gift Voucher Services

• Verification Services

• Banking and API Services

• Merchant Onboarding Services

• Any present or future services offered by MTMPay

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3. Information We Collect

A. Personal Information

We may collect:

• Full Name

• Mobile Number

• Email Address

• Residential Address

• Business Address

• Date of Birth

• Profile Information

• Business Information

B. Identity Verification Information

Where required by law, regulatory requirements, or service obligations, we may collect:

• PAN Information

• Aadhaar Information

• CKYC Information

• Officially Valid Documents (OVDs)

• Government-Issued Identification Documents

• Selfie Photographs

• KYC Information

• Video KYC Information (where applicable)

• Merchant Verification Information

C. Financial Information

We may collect:

• Recharge Records

• Bill Payment Records

• Transaction History

• Purchase History

• Gift Voucher Purchase Records

• Settlement Records

• Payout Records

• Collection Records

• Payment Preferences

MTMPay does not store complete payment card information unless specifically permitted under applicable laws and regulations.

D. Technical Information

We may automatically collect:

• Device Information

• Browser Information

• Operating System Information

• IP Address

• Device Identifiers

• App Version

• Login Activity

• Session Information

• Security Logs

• Error Logs

• Diagnostic Information

• Network Information

E. Uploaded Content

Users may upload:

• KYC Documents

• PAN Documents

• Aadhaar Documents

• Business Documents

• Address Proof Documents

• Bank Verification Documents

• Profile Images

• Other Documents required for service delivery

F. Communications

We may collect records of:

• Customer Support Requests

• Email Communications

• SMS Communications

• WhatsApp Communications

• Grievance Communications

• Service Notifications

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4. How We Use Information

We use information to:

• Create and manage accounts

• Authenticate users

• Perform KYC verification

• Verify identity

• Process transactions

• Facilitate bill payments

• Facilitate recharges

• Deliver gift vouchers

• Provide merchant services

• Process payouts and collections

• Prevent fraud and unauthorized activity

• Manage risk and compliance

• Improve products and services

• Provide customer support

• Communicate service-related information

• Comply with legal and regulatory obligations

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5. OTP Authentication

MTMPay may use One-Time Passwords (OTP) and other authentication mechanisms to verify user identity and secure access to services.

OTP communications are used solely for authentication, security verification, fraud prevention, and account protection purposes.

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6. Cookies and Similar Technologies

MTMPay may use:

• Cookies

• Local Storage

• Session Storage

• Analytics Technologies

• Security Technologies

• Similar Tracking Technologies

to improve security, performance, and user experience.

Users may manage cookie preferences through their browser settings.

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7. Sharing and Disclosure of Information

MTMPay may share information where necessary with:

• Banking Partners

• Payment Service Providers

• Payment Aggregators

• BBPS Service Providers

• NPCI-related Service Providers

• KYC Service Providers

• Identity Verification Providers

• Technology Service Providers

• Cloud Hosting Providers

• Communication Service Providers

• Analytics Providers

• Regulatory Authorities

• Government Authorities

• Auditors

• Legal Advisors

• Law Enforcement Agencies

We do not sell personal information to third parties.

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8. Fraud Prevention, Security, and Compliance

We may process information for:

• Fraud Detection

• Fraud Prevention

• Risk Monitoring

• Transaction Monitoring

• AML Compliance

• KYC Compliance

• Sanctions Screening

• Security Monitoring

• Internal Audits

• Regulatory Reporting

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9. Data Security

MTMPay implements reasonable administrative, technical, and organizational safeguards designed to protect information against:

• Unauthorized Access

• Unauthorized Disclosure

• Alteration

• Destruction

• Misuse

• Loss

Information is transmitted using industry-standard encryption and secure communication protocols.

However, no method of transmission or storage can be guaranteed to be completely secure.

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10. Data Retention

MTMPay retains information only for as long as necessary to:

• Provide Services

• Fulfill Contractual Obligations

• Meet Regulatory Requirements

• Resolve Disputes

• Enforce Agreements

• Prevent Fraud

• Maintain Security

Certain records may be retained after account closure where required under:

• RBI Guidelines

• AML Regulations

• KYC Requirements

• Tax Laws

• Accounting Standards

• Audit Requirements

• Court Orders

• Government Directions

• Applicable Laws

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11. Account Deletion

Users may request account deletion by visiting:

https://mtmpay.in/account-deletion/

or by contacting:

support@mtmpay.in

Account deletion requests are subject to verification and applicable legal, regulatory, compliance, fraud prevention, and record retention requirements.

Certain information may be retained where legally required.

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12. Children’s Privacy

MTMPay services are intended for individuals legally eligible to use financial services and enter into binding agreements.

We do not knowingly collect personal information from children without appropriate authorization.

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13. Third-Party Services

Our services may integrate with third-party providers, including payment processors, banking partners, KYC providers, analytics services, cloud providers, and communication platforms.

Use of such services may be subject to the privacy policies and terms of those providers.

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14. Your Rights

Subject to applicable laws and regulatory obligations, users may have the right to:

• Access Information

• Correct Information

• Update Information

• Request Account Deletion

• Withdraw Consent where applicable

Certain rights may be restricted by legal, compliance, fraud prevention, audit, security, or regulatory obligations.

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15. Grievance Officer

For privacy-related concerns, grievances, or complaints, please contact:

Grievance Officer
MTM Payment Services Private Limited

Email: info@mtmpay.in

Website: https://mtmpay.in

The Grievance Officer will review and address concerns within a reasonable timeframe in accordance with applicable laws.

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16. Changes to this Privacy Policy

MTMPay may modify this Privacy Policy from time to time.

Updated versions will be published on this page together with the revised effective date.

Continued use of MTMPay services after publication of changes constitutes acceptance of the updated Privacy Policy.

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17. Contact Us

MTM Payment Services Private Limited

Website: https://mtmpay.in

Support Email: support@mtmpay.in

General Email: info@mtmpay.in

Account Deletion: https://mtmpay.in/account-deletion/