Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your information.

1. Introduction

Paynivo (Legal entity name: Swastik Enterprises) ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment collection and GST invoicing platform.

By using Paynivo, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us, including:

  • Name, email address, phone number, and business details
  • Company name, GST number, and business address
  • Payment and billing information
  • Customer and invoice data you upload or create
  • Communication preferences and support interactions

2.2 Automatically Collected Information

When you use our services, we automatically collect:

  • Device information (IP address, browser type, operating system)
  • Usage data (pages visited, features used, time spent)
  • Log files and analytics data
  • Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

  • To provide, maintain, and improve our services
  • To process transactions and manage your account
  • To send invoices, payment reminders, and notifications
  • To generate GST reports and compliance documents
  • To communicate with you about your account and our services
  • To detect, prevent, and address technical issues and fraud
  • To comply with legal obligations and tax requirements
  • To analyze usage patterns and improve user experience

Permissions Used by the App

The Paynivo mobile application may request certain permissions on your device in order to provide specific features.

Camera Permission

The camera permission is used to capture images or scan documents such as invoices, receipts, or business documents within the Paynivo app. This permission is only used when the user chooses to scan or capture documents.

Paynivo does not access the camera without user interaction and does not store or share camera data without user consent.

4. WhatsApp Business Communication

Paynivo uses the WhatsApp Business Platform (Cloud API provided by Meta Platforms, Inc.) to send transactional communications.

  • OTP authentication messages
  • Invoice notifications
  • Payment reminders
  • Transaction confirmations
  • Customer support updates

We do not send unsolicited promotional messages without user consent. Message data may be processed by Meta in accordance with their privacy policy.

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

  • Payment Processors: We share payment information with trusted payment gateway providers (e.g., Cashfree) to process transactions
  • Service Providers: We may share data with third-party service providers who assist in operating our platform
  • Legal Requirements: We may disclose information if required by law, court order, or government regulation
  • Business Transfers: In case of merger, acquisition, or sale of assets, your data may be transferred
  • With Your Consent: We may share information with your explicit consent

6. Data Security

We implement industry-standard security measures to protect your information:

  • Encryption of data in transit (SSL/TLS) and at rest
  • Secure authentication and access controls
  • Regular security audits and vulnerability assessments
  • Compliance with PCI DSS standards for payment data
  • Regular backups and disaster recovery procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services to you
  • Comply with legal and tax obligations
  • Resolve disputes and enforce agreements

Invoice and payment data may be retained for up to 7 years as required by Indian tax laws. You may request deletion of your account and data, subject to legal requirements.

8. Your Rights

You have the following rights regarding your personal information:

  • Access: Request a copy of your personal data
  • Correction: Update or correct inaccurate information
  • Deletion: Request deletion of your data (subject to legal requirements)
  • Portability: Request your data in a machine-readable format
  • Opt-out: Unsubscribe from marketing communications
  • Objection: Object to certain processing activities

To exercise these rights, please contact us at [email protected]

8.1. Your Rights

  • Access your data
  • Request correction
  • Request deletion (subject to legal requirements)

To request deletion, email [email protected] with subject “Data Deletion Request”. Requests are processed within 7 working days.

9. Cookies and Tracking

We use cookies and similar technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Improve our services and user experience

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our services.

10. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

  • Posting the new policy on this page
  • Updating the "Last Updated" date
  • Sending email notifications for significant changes

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Last Updated: March 2026