Privacy Policy

Last updated: June 2026

Salem YoursPay Capital Limited ("YoursPay", "we", "us", "our") — CIN U64191TZ2026PLC038146 — is the data controller for personal information collected through this website (www.yourspay.in), our WhatsApp channel, phone lines and branches. This policy explains what we collect, how we use it, who we share it with, and the rights you have.

1. Information We Collect

We collect information you provide directly and information automatically collected when you use our website or services:

• Identity & contact: name, mobile number, email, address, city.
• KYC & financial: Aadhaar, PAN, bank details, income and loan details — collected only when required for a specific service.
• Enquiry data: messages you send via forms, WhatsApp, calls or in-branch.
• Usage & device: IP address, device type, browser, pages viewed, referrer, timestamps and interactions — collected via cookies and analytics tools (see our Cookie Policy).
• Advertising identifiers: click IDs (e.g., gclid, fbclid), hashed identifiers and event data used by Google Ads and Meta Pixel to measure campaign performance.

2. How We Use Your Information

• Process applications, provide and improve our services, and deliver customer support.
• Verify identity, prevent fraud and meet KYC/AML obligations.
• Comply with legal, regulatory and tax requirements.
• Send transactional communication (OTP, sanction letters, statements, service updates).
• With your consent or as legally permitted, send marketing communication about relevant products and offers.
• Measure the performance of our marketing campaigns and improve targeting through Google Ads, Meta (Facebook/Instagram) Ads and similar platforms.

3. Legal Basis

We process your information based on: your consent (marketing, cookies), performance of a contract (services you request), legal obligation (KYC, tax, RBI norms), and our legitimate interests (fraud prevention, service improvement, campaign measurement).

4. Sharing of Information

We share your information only when necessary:

• Regulated partners: banks, NBFCs, insurers and payment networks to deliver the services you request.
• Service providers: KYC bureaus, credit bureaus (CIBIL/Experian), SMS/email vendors, cloud hosting, analytics and advertising platforms (Google, Meta), acting under contractual data-protection commitments.
• Authorities: when required by law, court order or regulatory direction.

We do not sell your personal information to third parties.

5. Advertising, Analytics & Retargeting

We run campaigns on Google Ads and Meta (Facebook & Instagram) and use Google Analytics 4, Google Tag Manager and the Meta Pixel to measure conversions, build custom & lookalike audiences and show relevant ads. These partners may set cookies and receive event data (page URL, action, hashed identifiers) as independent controllers under their own policies. You can opt out of personalised ads at Google Ad Settings and Meta Ad Preferences. See our Cookie Policy for full details.

6. Data Retention

We retain personal information only as long as required for the purpose collected or to comply with legal, tax and regulatory obligations (typically up to 8 years for KYC and loan records under RBI norms). Analytics data is retained per platform defaults (see Cookie Policy).

7. Data Security

We apply reasonable administrative, technical and physical safeguards — encrypted transmission (HTTPS), access controls, role-based permissions and vendor due diligence. No system is 100% secure; we recommend you never share OTPs, passwords or KYC documents with unverified parties.

8. Your Rights

• Access, correct or update your personal information.
• Withdraw consent for marketing at any time.
• Request deletion, subject to legal and regulatory retention requirements.
• Opt out of personalised advertising through platform tools listed above.

To exercise any right, contact us at the details below. We respond within 30 days.

9. Children

Our services are intended for adults (18+). We do not knowingly collect personal information from children. If you believe a child has provided information, contact us and we will delete it.

10. International Transfers

Some of our service providers (e.g., cloud, analytics) may process data outside India. In such cases we ensure appropriate safeguards consistent with Indian law.

11. Changes to This Policy

We may update this policy from time to time. Material changes will be notified through the website or other reasonable means. The latest version is always available on this page.

12. Grievance / Data Protection Contact

Grievance Officer, Salem YoursPay Capital Limited, Second Floor, 21/2, Raj Complex, Gorimedu, Salem – 636008, Tamil Nadu.
Email: grievance@yourspay.in · Phone: +91 98945 76238.
See our Grievance Redressal Policy for the full escalation matrix.