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Privacy Policy
Last Updated: June 1, 2026
ApnaEMI is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our platform at apnaemi.in.
1. Information We Collect
- Merchant: Name, email, mobile, business details, bank account
- Customer: Name, mobile, Aadhaar, PAN, address
- Transactions: Payment amounts, payment dates, transaction details
- Device: IP address, browser type
2. How We Use Information
- To provide our business management software platform
- For OTP verification
- To process and track payments
- To send payment reminders
- To comply with legal obligations
3. Data Security
All communications are encrypted via HTTPS. Personal data can only be accessed by authorized personnel.
4. Data Sharing
We do not sell your data. It is only shared with payment processors (Cashfree, PhonePe), OTP providers, and legal authorities when required by law.
5. Aadhaar Data
Aadhaar is collected for KYC purposes only. We follow UIDAI guidelines and do not store biometric data.
6. Contact
Email: support@apnaemi.in
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Terms and Conditions
Last Updated: June 1, 2026
By using ApnaEMI, you agree to these Terms and Conditions.
1. Merchant Responsibilities
- Provide accurate information during registration
- Obtain customer consent before adding their information
- Comply with all applicable laws and regulations
2. Platform Usage
- ApnaEMI is a technology and software platform
- Platform must not be used for any illegal activities
3. Fees
- A processing fee of Rs.299 is applicable per customer onboarding
- A platform fee of 4% plus GST is applicable on collections
- Weekly invoice generated every 7 days
- All fees are non-refundable unless stated otherwise
4. Account Suspension
Accounts may be suspended for Terms violations, non-payment of fees, or fraudulent activities.
5. Governing Law
These Terms are governed by Indian law.
6. Contact
Email: support@apnaemi.in
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Refund Policy
Last Updated: June 1, 2026
1. Processing Fee
Generally non-refundable. Refunds may be considered for duplicate payment due to technical error.
2. Platform Fee
Non-refundable once a transaction has been successfully processed.
3. Refund Process
- Submit refund request to support@apnaemi.in within 7 days
- Include Transaction ID and reason for refund
- Refunds are processed within 5-7 business days
4. Contact
Email: support@apnaemi.in