How We Use Your Data

Your data is primarily used to deliver the core SkyPay services you have requested.

• Processing UPI transactions, bill payments, and recharges
• Verifying your identity and authenticating transactions
• Managing your account, preferences, and linked bank accounts
• Facilitating cashback, rewards, and promotional offers
• Providing customer support and resolving disputes

We analyse usage patterns to enhance the SkyPay experience for all users.

• Analysing user behaviour to improve app design and features
• Conducting A/B tests to optimise user experience
• Generating aggregated, anonymised analytics reports
• Identifying and fixing bugs, performance issues, and crashes
• Developing new features based on usage trends

We use your contact information to send you important updates and, where permitted, promotional communications.

We process certain data to protect you, other users, and the integrity of our platform.

• Detecting and preventing fraudulent transactions
• Identifying suspicious login attempts and account takeover
• Monitoring for violations of our Terms of Service
• Complying with anti-money laundering (AML) regulations
• Conducting risk assessments and scoring

We may process your data to comply with applicable laws and regulations.

• Responding to lawful requests from government authorities
• Meeting RBI, NPCI, and other regulatory reporting requirements
• Maintaining records as required by tax and financial laws
• Cooperating with law enforcement investigations when legally required