Privacy Policy

1. Introduction

Welcome to SIVO (Smart Integrated Value Operations), a platform owned and operated by SIRAV INDIA LLP ("we", "our", "us"). We respect your privacy and are committed to protecting your personal data.

2. Data We Collect

We may collect, use, store and transfer different kinds of personal data about you, including:

• Identity Data: First name, last name, username, KYC documents (Aadhaar, PAN).
• Contact Data: Billing address, email address, and telephone numbers.
• Financial Data: Bank account details, UPI IDs (used strictly for settlement).
• Transaction Data: Details about payments to and from you, biller information.
• Technical Data: IP address, browser type, time zone setting, location, OS.

3. How We Use Your Data

We will only use your personal data when the law allows us to. Most commonly, we use it to:

• Process and deliver financial services (BBPS, AePS, IMPS, etc.).
• Manage our relationship with you.
• Comply with regulatory obligations (RBI, NPCI guidelines).
• Improve our platform, products, and services.

4. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. SIVO is PCI-DSS compliant and uses AES-256 encryption for data at rest and TLS 1.3 for data in transit.

5. Data Retention

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, RBI regulatory, tax, accounting or reporting requirements.

6. Contact Us

If you have any questions about this Privacy Policy, please contact our Grievance Officer at:
Email: privacy@sivo.one
Address: SIRAV INDIA LLP, Ward No. 12 MG Road, Near Hospital Square, Anjad - 451556, India