Privacy Policy & Data Retention Policy

sparrowfins :Privacy Policy & Data Retention Policy

Privacy Policy

Effective Date: 21/04/2025
Contact Email: info@sparrowfins.com dapibus leo.

Introduction

SparrowFins (“we,” “our,” or “us”) respects your privacy. This policy explains how we collect, use, share, and protect your personal information when you use our platform for utility bill payments and related services.

Information We Collect

  • Personal Data:Name, mobile number, email ID
  • KYC documents (PAN, Aadhaar)
  • Billing and payment details (credit/debit card, UPI, bank info)
  • Transaction Data:Utility provider details, bill amount, transaction history
  • Device & Usage Data:IP address, device type, session activity

Purpose of Collection

We use your information to:

  • Process utility bill payments securely
  • Complete KYC and verify identity
  • Send confirmations, alerts, and support messages
  • Improve platform performance and prevent fraud
  • Comply with legal obligations

Data Sharing

We may share information with:

Utility service providers and payment partners Banks, NBFCs, and credit networks Government or legal bodies when required All partners are contractually obligated to keep your data secure.

Data Security

We use encryption, firewalls, and secure access controls to protect your information. Sensitive data is stored in compliance with applicable data protection regulations. your data secure.

User Rights

You may:

    • Request access or corrections to your data
    • Withdraw consent
    • Request data deletion
    • Contact us at info@sparrowfins.com for any privacy concerns

Cookies & Tracking

Cookies may be used for analytics and improved service experience. You can manage preferences via your browser settings.

Updates to This Policy

This policy may be updated. We will notify you of material changes through email or platform notifications. settings.

Contact Us

SparrowFins Privacy Office
Email: info@sparrowfins.com
Website: www.sparrowfins.com

Data Retention Policy

We retain your personal and transactional data for as long as necessary to:

  • Fulfill the purposes for which it was collected
  • Comply with applicable laws (such as tax, regulatory, and accounting requirements)
  • Resolve disputes and enforce agreements
  • Retention Periods
  • KYC & Identity Documents: Up to 10 years post account closure (as per RBI guidelines)
  • Transaction Records: Minimum 8 years
  • General Communication Data: Up to 3 years
  • Once data is no longer required, it is securely deleted or anonymized