Privacy Policy

How Pey collects, uses, stores, and protects personal data — under the Digital Personal Data Protection Act, 2023 (DPDP), the IT Act 2000, and the SPDI Rules 2011.

What we collect

Account data (name, mobile, email), KYC where required by law, transaction metadata, device + usage telemetry, and content you post (expense titles, notes).

Why we process

To provide the service, prevent fraud, comply with RBI/NPCI/PMLA obligations, and improve product quality. Lawful bases under DPDP §6.

Your rights

Access, correction, erasure, grievance, and nomination — exercisable via dpo@pey.co.in. Response within 30 days.

Sharing

With banking and Payment Aggregator partners (to settle), regulators (when required by law), and processors bound by DPAs. Never with advertisers. No data sales.

Security

AES-256 at rest, TLS 1.3 in transit, role-based access, audit trails, biometric unlock on device, India-located primary storage.

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