Privacy Policy - Pay Saathi Innovation LLP
Effective Date: September 16, 2025
Last Updated: September 16, 2025
1. Introduction
Pay Saathi Innovation LLP ("Company," "we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Takkada software solution, including our desktop application, mobile application, and cloud services.
This policy applies to all users of our services, including businesses, their employees, accountants, and other authorized users.
2. Information We Collect
2.1 Personal Information
Account Information:
Name, email address, phone number
Business name, address, and registration details
Job title and role within the organization
GST identification numbers and tax details
Authentication Data:
Login credentials and security questions
Multi-factor authentication tokens
Session information and device identifiers
2.2 Business and Financial Data
Tally ERP Data:
Customer and supplier master data
Invoice and transaction records
Inventory and item details
Accounting entries and financial reports
GST returns and compliance data
Payment Information:
Payment transaction details
Bank account information (encrypted)
UPI IDs and payment method preferences
Payment gateway transaction records
Business Intelligence:
Transaction volumes and patterns
Payment collection analytics
Business performance metrics
Credit assessment data
2.3 Technical Information
Device and Usage Data:
Device type, operating system, and browser information
IP addresses and location data
Application usage patterns and feature interactions
Error logs and performance data
Sync activity and data transfer logs
Communication Data:
WhatsApp integration data for payment reminders
Email communications and notifications
Support ticket conversations
User feedback and survey responses
3. How We Collect Information
3.1 Direct Collection
Information you provide during account registration
Data uploaded through Tally ERP integration
Details entered through our mobile and desktop applications
Communications with our support team
3.2 Automatic Collection
Technical data through cookies and similar technologies
Usage analytics through our applications
Payment transaction data through integrated gateways
Error reports and performance monitoring
3.3 Third-Party Sources
Payment gateway transaction confirmations
GST portal data for compliance verification
Bank integration data for reconciliation
WhatsApp Business API for communication
4. How We Use Your Information
4.1 Core Business Operations
Service Delivery:
Process payments and facilitate money collection
Synchronize data between Tally ERP and mobile applications
Generate invoices, e-invoices, and e-way bills
Provide real-time financial reporting and analytics
Payment Processing:
Execute UPI, NEFT, RTGS, and card transactions
Match payments to invoices automatically
Send payment reminders via WhatsApp
Reconcile payments with accounting records
Compliance and Reporting:
Generate GST returns and regulatory reports
Maintain audit trails for financial transactions
Support tax compliance and filing requirements
Provide documentation for regulatory inquiries
4.2 Business Intelligence and Analytics
Credit Assessment:
Analyze payment patterns for credit scoring
Build credit profiles for NBFC partnerships
Assess business creditworthiness
Generate credit ratings and recommendations
Performance Analytics:
Track collection efficiency and payment trends
Provide business intelligence dashboards
Generate insights for growth decisions
Monitor distributor and wholesaler performance
4.3 Communication and Support
Customer Communication:
Send transaction notifications and alerts
Provide technical support and assistance
Communicate product updates and features
Process feedback and improvement suggestions
Marketing Communications (with consent):
Send newsletters and product updates
Share industry insights and best practices
Notify about new features and services
Provide educational content and webinars
5. Information Sharing and Disclosure
5.1 Authorized Sharing
With Your Consent:
Business network features within Takkada ecosystem
Integration with authorized accounting software
Sharing with your designated accountants or consultants
Third-party applications you explicitly connect
Service Providers:
Cloud hosting and infrastructure providers (AWS, Google Cloud)
Payment gateway partners (Razorpay, PayU, etc.)
SMS and WhatsApp service providers
Technical support and development partners
Business Partners:
Channel partners and distributors (for customer support)
NBFC partners for credit services
Banking partners for payment processing
GST portal integration services
5.2 Legal and Regulatory Disclosure
We may disclose information when required by:
Legal obligations and court orders
Regulatory authorities (RBI, GST Department, Income Tax)
Law enforcement agencies with valid legal process
Compliance with applicable financial regulations
5.3 Business Transfers
In case of merger, acquisition, or sale of assets, customer information may be transferred as part of the transaction, subject to the same privacy protections.
6. Data Security and Protection
6.1 Technical Safeguards
Encryption:
End-to-end encryption for all financial data
SSL/TLS encryption for data transmission
AES-256 encryption for data storage
Encrypted backup and recovery systems
Access Controls:
Multi-factor authentication requirements
Role-based access permissions
Regular access reviews and audits
Secure API authentication protocols
Infrastructure Security:
SOC 2 compliant cloud infrastructure
Regular security assessments and penetration testing
Network firewalls and intrusion detection
Automated security monitoring and alerts
6.2 Operational Safeguards
Data Handling:
Employee background verification and training
Strict confidentiality agreements
Limited access on need-to-know basis
Regular security awareness programs
Incident Response:
24/7 security monitoring
Incident response and notification procedures
Data breach notification within 72 hours
Recovery and remediation protocols
7. Data Retention and Deletion
7.1 Retention Periods
Financial Data: Retained for 7 years as per Indian accounting standards Transaction Records: Retained for 7 years for audit and compliance Personal Information: Retained while account is active plus 3 years Technical Logs: Retained for 12 months unless required for security investigations
7.2 Data Deletion
Account Closure:
Personal data deleted within 90 days of account closure
Financial data retained as per legal requirements
Anonymous analytics data may be retained
Backup data purged within 6 months
Right to Deletion:
Submit deletion requests to admin@paysaathi.com
Verification of identity required for processing
Legal obligations may prevent immediate deletion
Confirmation provided upon completion
8. Your Privacy Rights
8.1 Access and Control
Data Access:
Request copy of your personal data
View data processing activities
Download your financial records
Access compliance reports
Data Correction:
Update personal and business information
Correct inaccurate financial records
Modify communication preferences
Update security settings
8.2 Communication Preferences
Marketing Communications:
Opt-out of promotional emails
Unsubscribe from newsletters
Control notification preferences
Manage WhatsApp communication settings
Operational Communications:
Essential service notifications (cannot be disabled)
Security alerts and breach notifications
Regulatory compliance communications
Account status and billing notices
9. Cookies and Tracking Technologies
9.1 Cookie Usage
Essential Cookies:
Authentication and session management
Security and fraud prevention
Core application functionality
Data synchronization status
Analytics Cookies:
Usage patterns and feature adoption
Performance monitoring and optimization
Error tracking and debugging
User experience improvements
9.2 Cookie Management
You can control cookies through:
Browser settings and preferences
Application settings in our software
Third-party cookie management tools
Direct opt-out mechanisms where available
10. Third-Party Integrations
10.1 Payment Gateways
Data Shared:
Transaction amount and currency
Customer identification for processing
Payment method preferences
Transaction success/failure status
Third-Party Privacy: Each payment gateway has its own privacy policy governing their data handling practices.
10.2 WhatsApp Business API
Data Processing:
Customer phone numbers for payment reminders
Message delivery status and analytics
Customer interaction history
Communication preferences
WhatsApp Privacy: Subject to Meta's WhatsApp Business privacy policy and terms of service.
10.3 Tally Integration
Data Access:
Read-only access to Tally data files
Master data extraction and synchronization
Invoice and transaction information
No modification of original Tally data
11. International Data Transfers
11.1 Data Localization
Primary Storage:
All financial data stored within India
Compliance with RBI data localization requirements
Indian data centers for core operations
Local backup and disaster recovery
11.2 Limited International Processing
Permitted Transfers:
Cloud service providers with Indian operations
International payment gateway processing
Technical support and development services
Adequate safeguards and contractual protections
12. Children's Privacy
Takkada is designed for business use and is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors without proper business authorization and parental consent.
13. Changes to Privacy Policy
13.1 Policy Updates
We reserve the right to modify this privacy policy to reflect:
Changes in data processing practices
New features and services
Regulatory requirement updates
Enhanced security measures
13.2 Notification Process
Advance Notice:
Email notification to admin@paysaathi.com registered users
Website posting with updated effective date
In-app notifications for significant changes
30-day notice period for material changes
Continued Use: Continued use of our services after policy changes constitutes acceptance of updated terms.
14. Contact Information
14.1 Privacy Inquiries
Primary Contact:
Email: admin@paysaathi.com
Subject Line: "Privacy Policy Inquiry - [Your Business Name]"
Response Time: Within 48 hours for privacy-related queries
Data Protection Officer:
Email: admin@paysaathi.com
Phone: 9435977777
14.2 Regulatory Complaints
If you believe your privacy rights have been violated, you may file complaints with:
Our internal privacy team at admin@paysaathi.com
Relevant regulatory authorities
Consumer protection forums
Data protection authorities as applicable
15. Governing Law
This Privacy Policy is governed by the laws of India, including:
Information Technology Act, 2000
Information Technology (Reasonable Security Practices) Rules, 2011
Reserve Bank of India guidelines on data protection
Other applicable privacy and data protection regulations
Any disputes arising from this privacy policy will be subject to the jurisdiction of courts in [Your City], India.
16. Acknowledgment
By using Takkada services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. You also confirm that you have the authority to provide business data and consent on behalf of your organization.
Contact Us: For any questions about this Privacy Policy, please contact us at admin@paysaathi.com or visit our website at [www.paysaathi.com]
This privacy policy reflects our commitment to protecting your data while enabling innovative financial services for India's business ecosystem.