This Privacy Policy describes how Codegraphi Technology ("WIDGI", "we", "us", "our") collects, uses, stores, and protects the personal information of retailers, partners, and end customers who use our website, mobile application, and partner dashboard.
1. Information We Collect
We may collect the following categories of information:
- Identity & KYC Information: Name, PAN, Aadhaar (masked/tokenized as per RBI/UIDAI guidelines), date of birth, photograph, and business registration documents.
- Contact Information: Mobile number, email address, and residential/shop address.
- Financial Information: Bank account details, wallet balance, and transaction history necessary to process payments, recharges, bookings, and settlements.
- Device & Usage Data: IP address, device identifiers, browser type, app version, and log data collected automatically when you use our platform.
- Customer Transaction Data: Where retailers process transactions on behalf of end customers (e.g., recharge, bill payment, travel booking), we collect the minimum data necessary to complete and confirm that transaction.
2. How We Use Your Information
- To verify your identity and complete KYC/onboarding as required under RBI and PMLA guidelines.
- To process transactions, settlements, and commission payouts.
- To provide customer support and respond to service requests or complaints.
- To detect, prevent, and investigate fraud, money laundering, or unauthorized access.
- To send transactional alerts, service updates, and (with consent) promotional communications.
- To comply with applicable legal and regulatory reporting obligations.
3. Sharing of Information
We do not sell your personal information. We may share data with:
- Banking partners, NBFCs, insurers, payment aggregators, and BBPS/utility billers strictly for the purpose of fulfilling the requested service.
- Government or regulatory authorities where required by law, court order, or to comply with RBI/PMLA obligations.
- Technology and infrastructure vendors (e.g., cloud hosting, SMS/OTP gateways) bound by confidentiality obligations, solely to operate the platform.
4. Data Security
We implement industry-standard technical and organizational safeguards — including encryption, access controls, and secure data storage — to protect your information against unauthorized access, alteration, disclosure, or destruction. Sensitive identifiers such as Aadhaar are masked/tokenized wherever technically feasible, in line with UIDAI requirements.
5. Data Retention
We retain personal and transactional data for as long as your account is active and thereafter for the period required under applicable law (including RBI/PMLA record-keeping norms, typically a minimum of 5 years from the date of transaction), after which it is securely deleted or anonymized.
6. Your Rights
- You may request access to, correction of, or deletion of your personal data, subject to our legal and regulatory record-keeping obligations.
- You may withdraw consent for promotional communications at any time by contacting us or using the opt-out option provided in such communications.
- You may request closure of your account, subject to settlement of any pending wallet balance or dues as per our Refund & Cancellation Policy.
7. Cookies & Tracking
Our website and app may use cookies and similar technologies to remember preferences, understand usage patterns, and improve performance. You can control cookie preferences through your browser settings.
8. Children's Privacy
Our Services are intended for users aged 18 and above. We do not knowingly collect personal information from minors.
9. Third-Party Links
Our platform may contain links to third-party websites (e.g., insurer portals, travel providers). We are not responsible for the privacy practices of these third parties, and we encourage you to review their respective privacy policies.
10. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. Material changes will be notified via the dashboard, email, or SMS. Continued use of the Services after such updates constitutes acceptance of the revised policy.
11. Contact Us
For privacy-related queries or to exercise your data rights, please contact us at widgisoftech@gmail.com or call +91-9720902050.
