Introduction

Welcome to  CHILLARPAY BUSINESS SOLUTIONS PRIVATE LIMITED , JIVEEKA ENTERPRISES  &  MOHAN KAMAL ENTERPRISES (“we,” “our,” or “us”). This Privacy Policy outlines how we collect, use, store, and protect your personal and business information when you use our services. By accessing or using our services, you agree to the terms outlined in this Privacy Policy.

Information We Collect

We may collect the following types of information when you interact with our services:

1. Personal and Business Information

• Name, contact details (phone number, email ID).
• Business name, GST details, and address.
• Aadhaar/PAN details (if required for verification).

2. Transactional Data

• Payment and fund transfer details.
• Transaction history for Pay In (Payment Gateway), Pay Out, Mobile/DTH Recharge, SMS, and Aadhaar Verification APIs.

3. Technical Data

• IP address, browser type, and device details.
• Cookies and tracking technologies to improve service functionality.

How We Use Your Information

We use your information for the following purposes:
✔️ To provide and manage Pay In (Payment Gateway), Pay Out, Mobile/DTH Recharge, SMS, and Aadhaar Verification API services.
✔️ To process transactions securely and efficiently.
✔️ To communicate with you regarding service updates, support, and inquiries.
✔️ To comply with legal and regulatory requirements.
✔️ To prevent fraud and ensure security.

Information Sharing & Disclosure

We do not sell or rent your personal information. However, we may share data with:
🔹 Regulatory Authorities – If required by law, government agencies, or court orders.
🔹 Service Partners – Banks, payment processors, and API providers to process transactions.
🔹 Security & Fraud Prevention – Third-party security services to detect and prevent fraud.

Data Security

We implement advanced security measures to protect your data from unauthorized access, loss, or misuse. However, no system is 100% secure, and we encourage users to follow cybersecurity best practices.

Cookies & Tracking Technologies

We use cookies and analytics tools to enhance user experience, monitor service performance, and improve security. You can disable cookies via your browser settings, but this may affect service functionality.

Your Rights & Choices

You have the right to:
✅ Access and update your personal data.
✅ Request deletion of your data (subject to legal and regulatory requirements).
✅ Opt-out of promotional communications.