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Last Updated: 19th May 2026
This Privacy Policy sets out how airpay capital digital lending application ("App") operated by Airpay Payment Services Private Limited ("Company", "we", "us", or "our") uses and protects any information of a person who visit the site and provide information to the Company (the Visitor / You).
The Company endeavours to safeguard and protect the Visitor's privacy.
The information of customers and others who visit the Company website, we believe it is necessary to post a privacy statement. The information shared with the Company will be treated as private. We also desire to say explicitly that adequate precautions have been taken to protect information relating to customers and their information available with the Company.
Customer confidentiality and privacy are of utmost concern to the Company.
All persons who visit the website and provide information to the airpay online are covered under this Policy. This Policy does not cover the information provided through other modes of communication to the Company.
By using the Company website and services, you provide your consent for the collection and processing of your personal data as described in this Privacy Policy. You may withdraw or manage your consent at any time by contacting us at dpo@airpay.capital We will process your request in accordance with applicable laws.
We may collect personal and financial information such as your name, address, email, mobile number, PAN, Aadhaar (where permitted), income details, bank account information, and demographic details.
By providing your contact details, you agree to be contacted by the Company through permitted communication channels.
The use/purpose for which any information collected from the Visitor, through the website of the Company, will vary depending upon the circumstances. Broadly, they may comprise all or any one or more of the following purposes (but shall not be restricted to):
We collect and retain information about you only for specific business purposes.
The access to the information provided through the Company website would only be given to authorised employees or other Group Companies or affiliates or authorised agents or service provider for normal business purposes, only on need-to-know basis.
The Company may be required, from time to time, to disclose the Visitor's information to Banks or Payment Services Providers or Governmental or judicial bodies or Regulators or any person to whom the Company is under an obligation to make disclosure under the requirements of any law or terms of service agreement between you and the Company .
The Company does not release customer information except as directed by law or as per your mandate. We do not share specific information about customer accounts or other personally identifiable data with non-affiliated third parties for their independent use unless:
The Company retains your personal data only for as long as necessary to fulfil the purposes for which it was collected, including service fulfilment, legal compliance, regulatory obligations, accounting, or reporting requirements. The specific retention period may vary depending on the nature of the information and applicable laws. Once the data is no longer required, we securely delete or anonymize it in accordance with industry best practices. You may also request the deletion of your personal data, subject to any legal or contractual obligations that may require us to retain it for a longer period.
The Company follows best security practices to help prevent unauthorised access to confidential information about visitors. Company endeavour is to ensure that information is secure. In order to prevent unauthorised access or disclosure, the Company has put in place suitable systems and procedures to safeguard and secure the information that it collects online. The Company may also work with third parties for Web traffic analysis to research certain usage and activities on parts of the Company’s website. The Web analysis software is used to find out more about the Visitor, including the Visitor demographics, behaviour and usage patterns, for more accurate reporting and to improve the effectiveness of Company’s marketing.
In the event of a data breach involving your personal information, Company will notify you and relevant authorities in accordance with applicable laws. Notification will be made without undue delay and will include details of the breach, the data involved, potential consequences, and the steps being taken to mitigate any harm.
The Company is committed to protecting your personal data through robust security controls and best practices. We implement strict access restrictions, ensuring only authorized personnel can access sensitive information on a need-to-know basis. To maintain data integrity, we use validation mechanisms to detect unauthorised alterations. Our systems are protected through firewalls, intrusion detection tools, and regular security audits. We also conduct periodic reviews and assessments to strengthen our security posture and ensure compliance with applicable laws.
Company’s website may contain links to other websites of your interest. Please note that once the Visitor opts to link to other websites, Company shall not be responsible for protection of further disclosure of information and this Privacy Policy / statement cease to be applicable for such disclosure of information. The Visitor may therefore, like to exercise caution and look at the privacy statement applicable to those websites.
Similarly, link of Company’s website may be available on various other third-party websites. However, Company shall not be responsible to the contents and material of such other websites. If any person provides its information on other websites, where link of Company’s website or Company’s logo is available, Company shall not be responsible to any acts or omissions committed by third-party websites including but not limited to data theft, misuse of information of such person.
The Company may transfer your personal data to countries outside of India where our affiliates, service providers, or partners are located. These transfers are carried out in compliance with applicable data protection laws, and we ensure that appropriate contractual, technical, and organisational safeguards are in place to protect your information. Where required, we use standard contractual clauses or rely on regulatory approvals to legitimize such transfers. By using our services and providing your information, you consent to such cross-border transfers of your data, including to jurisdictions that may not have equivalent data protection standards.
However, in compliance with RBI Digital Lending requirements, all customer data shall be stored primarily on servers located within India.
The Company may deploy artificial intelligence (AI), machine learning models, and automated processing systems to enhance customer experience, perform risk assessment, detect fraud, improve service offerings, and support credit evaluation processes.
Such processing shall be conducted in a fair, transparent, and lawful manner, and shall not result in any unlawful discrimination or adverse impact without appropriate safeguards. Where required under applicable law, explicit user consent shall be obtained prior to such processing.
The Company may utilize Model Control Policies (MCP) and governed data-processing frameworks to ensure responsible use, monitoring, validation, and auditability of automated systems and data processing activities. These frameworks are designed to ensure compliance with regulatory standards, data protection laws, and internal risk management policies.
As a Data Principal, you have the following rights regarding your personal data processed by Company , subject to applicable laws:
To exercise any of these rights, please contact our data protection officer at dpo@airpay.capital.
You have the right to access, correct, update, or delete your personal information held by the Company. You may also withdraw consent or object to certain types of data processing, subject to legal and contractual limitations. To exercise any of these rights, please contact our Data Protection Officer (DPO) with details of your request. We will process your request in accordance with applicable laws.
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at dpo@airpay.capital.
IMPORTANT: Company reserves its right to amend the present Privacy Policy at any time and will place such amended Privacy Policy, if any, on its website with a revised “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we protect your information. This Privacy Policy is neither intended to and nor does it create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on the Company in respect of any other party or on behalf of any party. Your continued use of our website or services after any such updates constitutes your acceptance of the revised Privacy Policy.