Privacy Policy

Last Updated: 28 June, 2025

At ZyadaFayda, accessible at https://zyadafayda.in, we are committed to protecting your personal information and ensuring transparency in how your data is collected, used, and shared. This Privacy Policy explains how we collect, use, and protect your data, especially in compliance with the Google Play User Data Policy.

1. Company Information

  • Company Name: ZyadaFayda
  • Website: https://zyadafayda.in
  • Support Email: info@zyadafayda.in
  • Phone: +91 8126852755
  • Address: 2/31 Nagla Mohan, Shahganj Agra (UP) - 282010
  • Udyam Registration Number: UDYAM-UP-01-0079518

2. Information We Collect

When you use our Finch mobile application or website, we may collect the following information:

Personal Identifiable Information (PII):

  • Full Name
  • Mobile Number
  • Email Address
  • Address (including city, state, pin code)

Location Data:

  • We collect precise location (latitude and longitude) from your device to provide location-based services like personalized offers and secure transactions.
  • We may access this location even when the app is running in the background, but only after obtaining your explicit consent.

Bank & Financial Details:

  • We collect bank account details only when necessary for services like loans, insurance, or Demat account opening.
  • We do not store card or UPI details. All payments are securely processed via trusted gateways like Razorpay.

Device Information:

  • Device type, Android version, and crash logs may be collected to improve app functionality via Android Vitals.

3. How We Use Your Information

We collect your data to:

  • Enable wallet recharges, bill payments, and other fintech services
  • Provide personalized cashback offers and daily rewards
  • Improve app performance and functionality
  • Send transaction updates, offers, and alerts
  • Prevent fraud, unauthorized access, or policy violations
  • Comply with legal obligations

4. Prominent Disclosure & Consent (Google Play Compliance)

  • Our app explicitly asks for your consent before collecting any sensitive or background location data.
  • The purpose of data collection is clearly disclosed on the permission screen.
  • Users can choose to deny permission without losing access to non-dependent features.

5. Payment Gateway and Financial Security

  • We use Razorpay and other PCI-DSS compliant payment gateways.
  • All transactions are secured via SSL encryption.
  • We do not store your card, UPI, or net banking credentials.
  • All payment-related activities are handled by secure third-party gateways.

6. Data Storage and Security

  • All personal and transactional data is encrypted using secure methods, including MD5 encryption.
  • Data is stored in encrypted format in our secure databases.
  • Access is restricted to authorized personnel only.
  • Regular audits and security measures are in place to protect against breaches.

7. Cookies & Tracking

Our website may use cookies to improve user experience. You can choose to disable cookies via browser settings. Note that disabling cookies may affect website functionality.

8. Data Sharing and Confidentiality

We do not sell, rent, or trade your personal data.

We may share data only under the following conditions:

  • With your explicit consent
  • With trusted partners (e.g., insurance/loan providers) to fulfill requested services
  • To comply with legal obligations or court orders

All third-party services we work with are vetted for data privacy compliance.

9. User Rights

You have the right to:

  • Access and review your personal data
  • Request corrections or deletions
  • Withdraw previously given consent (where applicable)
  • Request permanent deletion of your account

To exercise any of these rights, please email us at info@zyadafayda.in

10. Children's Privacy

Our app is not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

11. Data Retention

  • We retain user data only as long as necessary to provide services or meet legal requirements.
  • Upon request, we will delete your data from our systems within a reasonable timeframe.

12. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in legal or regulatory requirements or our business operations.

All changes will be posted on this page, and users are encouraged to review it periodically. The "Last Updated" date will always reflect the most recent version.

13. Location Data Collection and Usage

ZyadaFayda collects location information, including your precise location (latitude and longitude), when you use our mobile application. This data is used to enhance the functionality of our services such as tailoring offers, fraud prevention, and improving service delivery (e.g., verifying regional availability of financial products or services). Location data may be accessed in the background only if essential for the core features of the app and only with your explicit permission. We do not share your location data with third parties without your consent, and all such data is stored securely in encrypted format.

14. App Functionality and User Experience

At ZyadaFayda, we are committed to providing a smooth, functional, and responsive user experience. We regularly monitor our app to ensure that all features, buttons, icons, and user interface elements function as intended. If any part of the application becomes unresponsive or behaves unexpectedly, we take immediate action to fix the issue. We encourage users to report any broken functionality so we can investigate and resolve it promptly. Our goal is to maintain a fully operational app that complies with Google Play policies and offers seamless digital payment services to all users.

15. Prominent Disclosure for Location Access

ZyadaFayda requires access to your device's location, including background location, to deliver key features such as personalized offers, region-specific financial services, and fraud detection. This information is collected only after you grant explicit permission through a clear, unambiguous consent dialog within the app. We ensure that:

  • A prominent disclosure appears before any data is collected, clearly explaining what data is being collected and why.
  • Location data (including background location) is not accessed unless required for core functionality and only with your active consent.
  • You can manage or revoke this permission at any time via your device settings.

Your privacy and control over your data are our top priorities.

16. Company Ownership and Legal Entity Disclosure

The ZyadaFayda mobile application and website (https://zyadafayda.in) are owned and operated by JEESOM SERVICES PRIVATE LIMITED, a legally registered non-government private limited company under the Companies Act, 2013.

Company Details:

  • Company Name: JEESOM SERVICES PRIVATE LIMITED
  • CIN: U66190UP2025PTC224898
  • Date of Incorporation: 27th May, 2025
  • Category: Company limited by shares
  • Subcategory: Non-government company
  • Class: Private
  • ROC Jurisdiction: ROC Kanpur, RD Northern Region
  • Registered Address: 40/115A, Rajiv Nagar, Koriya Khar, Khandari, Agra, Uttar Pradesh, 282002, India
  • Email: info@zyadafayda.in
  • Authorised Capital: ₹1,00,000
  • Paid-up Capital: ₹1,00,000

Directors:

  • Rekha Dawla (DIN: 11127543)
  • Somdatta Singh (DIN: 11127544)

This disclosure confirms the legal identity of the entity responsible for the handling of all user data, services, and transactions offered through the ZyadaFayda app and website. All operations and data policies adhere to the applicable Indian regulations and Google Play's Developer Program Policies.

17. Consent

By using the ZyadaFayda website or mobile application "Finch", you acknowledge that you have read this Privacy Policy and agree to its terms. You provide your informed consent for the collection, use, and sharing of your data as described.

Contact Information:

  • 📧 Email: info@zyadafayda.in
  • 📞 Phone: +91 8126852755
  • 🏢 Address: 2/31 Nagla Mohan, Shahganj Agra (UP) - 282010