Privacy Policy

Introduction
Welcome to the Privacy Policy of ARV Software Solutions, a digital service platform owned and managed by ARV SOFTWARE SOLUTIONS PVT LTD. This policy explains the manner in which we gather, handle, and utilize your personal details whenever you engage with our website and associated services. Kindly note that this policy is not applicable to third-party platforms connected through external links or to businesses that may be listed on ARV Software Solutions.

For clarity, the expressions "we," "our," and "us" refer to ARV Software Solutions, while the terms "you," "your," "user," or "users" identify individuals accessing and using the platform. If you do not consent to the practices described herein, you are advised to discontinue the use of ARV Software Solutions immediately.

This Privacy Policy must be read alongside our Terms and Conditions, as both documents collectively govern the usage of ARV Software Solutions.

Information We Collect
When you use our platform, we obtain different types of information to ensure safe transactions, comply with statutory norms, and enhance the overall experience.

We may request personally identifiable information such as your full name, contact number, email address, residential address, and—if required under regulatory directives—official identification documents (e.g., PAN or Aadhaar) for KYC (Know Your Customer) verification.

In processing financial transactions, we also collect payment-related information including your bank details, UPI ID, debit or credit card credentials, billing or invoice data, and transactional logs. Such records are maintained to meet compliance standards and to assist in customer query resolution.

For security and performance purposes, we gather technical information like your IP address, browser and version details, device type, operating system, access timestamps, activity logs, referral sources, and browsing patterns. These help us understand engagement behavior and safeguard the platform.

Additionally, we utilize cookies and related tracking technologies to retain your preferences, manage active sessions, improve platform functionality, identify potential fraud, and conduct analytics. These technologies contribute to a more tailored user experience.

How We Use Your Information
We never sell, lease, or trade your personal details for marketing. Data may, however, be disclosed to trusted third parties in specific situations.

Your information is used for the following purposes:

• Processing and completing financial transactions
  
  
• User and merchant verification
  
  
• Fulfilling legal and regulatory duties (such as KYC requirements)
  
  
• Identifying, preventing, and investigating fraud or security risks
  
  
• Offering customer assistance and handling disputes
  
  
• Maintaining and upgrading platform performance
  
  
• Sending service-based notifications (transaction confirmations, alerts, updates)
  
  
• Conducting internal assessments and analytics
  
  
• Personalizing experiences and refining content delivery
  
  
• Promoting our services, with explicit user consent
  
  

How We Share Your Information
We do not trade or rent personal details. However, data may be shared under these circumstances:

1. Payment Partners and Banks
   For efficient and safe processing of transactions.


2. Merchants
   To validate payment completion and share relevant transactional information.


3. Service Providers
   With third-party vendors handling areas like KYC authentication, IT infrastructure, fraud management, analytics, or cloud hosting.


4. Legal and Regulatory Bodies
   Where legally obligated or upon valid requests from public agencies such as government authorities or courts.


5. Corporate Transactions
   If ownership changes due to mergers, acquisitions, asset transfers, or bankruptcy, personal data may form part of the assets transferred.

Data Retention Policy
We preserve personal and transactional details only for as long as necessary to serve the outlined purposes or as required under relevant financial regulations. For instance, KYC documents and transaction records are generally kept for 8 to 12 months, subject to legal directives.

After the stipulated retention period, the data is either securely erased or anonymized so it cannot be associated with you.

Data Security Measures
Our infrastructure undergoes frequent vulnerability scanning and security audits. Only authorized staff, trained in data protection and subject to strict access controls, may handle sensitive information. To further minimize risks, we implement real-time fraud detection, multi-factor authentication, and data loss prevention mechanisms.

Although robust systems are in place, absolute internet security cannot be guaranteed. Users are encouraged to use strong passwords and keep login credentials private.

User Rights and Choices
Based on your jurisdiction and applicable laws (such as GDPR), you may be entitled to:

• Right of Access: Request a copy of the personal data we maintain.
  
  
• Right to Rectification: Ask for correction of inaccurate or incomplete information.
  
  
• Right to Erasure: Request deletion of stored personal information.
  
  
• Right to Withdraw Consent: Revoke previously granted consent at any time.
  
  
• Right to Restrict/Object Processing: Limit or oppose certain forms of processing.
  
  
• Right to Data Portability: Obtain your personal data in a structured, machine-readable format.
  
  

To exercise these rights, please write to us at (mention email).

Cookies and Similar Technologies
Our site employs cookies and comparable technologies to enhance usability and customize experiences. These tools store your settings, sustain login sessions, and compile statistics for service improvement. You can control cookie behavior through your browser. However, disabling them may restrict certain platform functions or transaction capabilities.

Third-Party Links and Services
The platform may integrate links, widgets, or plugins belonging to third parties (e.g., banks, KYC processors, analytics partners). We are not accountable for how these entities manage privacy. Users should review the respective privacy policies before sharing any data with them.

Children’s Privacy
Our services are strictly intended for individuals 18 years or older. We do not knowingly gather personal details from minors. If any child’s data is found to have been collected without verified parental approval, it will be removed immediately.

Changes to this Privacy Policy
This Privacy Policy may be modified periodically to reflect regulatory, business, or technical changes. Updates will always be posted on this page along with a revised "Last Updated" date. Users are encouraged to check this document frequently to remain aware of current practices.

Consent and Acceptance
By using our website or related services, you acknowledge that you have read, understood, and accepted the practices described in this Privacy Policy. If you disagree with any part of it, we advise discontinuing use of our services.