Privacy Policy

This Privacy Policy describes how Pyllar Fintech Private Limited ("Pyllar", "we", "us", "our") collects, uses, discloses, and protects the personal information of users of our platform (website, app, APIs). It applies in conjunction with our Terms of Use.

1. Scope & Consent

By using our Platform, registering, or submitting your personal data, you explicitly consent to our collection, processing, transfer, and storage of your personal information in accordance with this Policy.

2. What Information We Collect

• Personal Identifiers: Name, date of birth, PAN, Aadhaar, photograph, signature.
• Contact Information: Address, email, phone number.
• Financial & KYC Data: Bank account details, transaction history, income, holdings.
• Device & Usage Data: IP address, device identifiers, browser/user agent, app logs.
• Communications & Support: Correspondence, customer support interactions.

We may also derive aggregated or anonymized data for analytics, not linked to your identity.

3. Purpose of Processing

• KYC/investor verification, AML/CFT compliance
• Enabling transactions, processing payments and redemptions
• Portfolio management, goal tracking, recommendations
• Communication: alerts, statements, updates, marketing (with opt-out)
• Improving, analytics, research, detecting fraud, systems security
• Regulatory reporting, audits, legal obligations

4. Sharing, Disclosure & Third Parties

• AMCs, registrars, depositories, banks, RTAs for execution and settlement
• KYC agencies, identity verifiers, credit bureaus for verification
• Payment gateways, banking partners, custodians
• Analytics, cloud, email/SMS service providers
• Regulatory authorities (SEBI, RBI, FIU, etc.) as warranted
• Affiliates or successors in case of reorganization or merger

We do not sell your personal data to third parties for commercial purposes.

5. Data Security & Protection

• Industry-standard security measures (encryption, firewalls, access controls)
• Secure servers/databases, with monitoring and audits
• Access limited to those with a “need to know”
• You must maintain the confidentiality of your login credentials

6. Data Retention & Deletion

• We retain data as long as required to fulfill the purposes, legal obligations, audits, or dispute resolution.
• When no longer needed, data is securely disposed or anonymized.
• Residual backups may retain data for a fixed period; those are isolated and not actively used.

7. User Rights & Choices

• Access, correct, update, or delete your personal data (subject to legal/regulatory constraints).
• Opt-out of marketing or promotional communications.
• Withdraw consent for certain processing (if permitted by law).
• Some rights may be limited where retention is required by law or regulation.

8. Cookies, Tracking & Analytics

Our Platform uses cookies, analytics tools, and tracking technologies (e.g., device IDs) to improve functionality and user experience. This includes:

• Google Analytics: Tracks website usage and traffic patterns.
• Microsoft Clarity: We partner with Microsoft Clarity to capture how you use and interact with our app and website through behavioral metrics, heatmaps, and session replay, in order to improve our products and services. Website and app usage data is captured using first and third-party cookies and other tracking technologies. For more information on how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

You may disable cookies in your browser or device settings, but this might limit some features. By using our Platform, you agree that we and Microsoft may collect and use this data as described above.

9. International / Cross-border Transfer

If needed, your personal data may be transferred to servers or third parties located outside India, subject to compliance with applicable data protection laws and this policy.

10. Children & Minors

Our services are not intended for minors (under 18). We do not knowingly collect personal data from minors. If discovered, we reserve the right to block such accounts and delete related data.

11. Changes to the Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or a prominent notice in the Platform. The “Last Updated” date will be revised. Continued use after modification signifies acceptance.

12. Grievance Officer / Contact

For any privacy, data, or policy questions, or to exercise your rights, contact:

Email: privacy@pyllar.in

Address: Villa 185, Prestige Augusta Golf Village, Rampura, Bengaluru - 560049