Privacy Policy

Last Updated: June 1, 2026

ApnaEMI (apnaemi.in) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your information.

1. Information We Collect

• Merchant: Name, email, mobile number, business details, bank account details
• Customer: Name, mobile, Aadhaar number, PAN, address (provided by merchants)
• Transactions: Installment amounts, payment dates, transaction details
• Device: IP address, browser type

2. How We Use Information

• To provide our business management software platform
• To verify identity via OTP
• 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 is only accessible by authorized personnel. We follow industry standard security practices to protect your data.

4. Data Sharing

We do not sell your data. Data is only shared with payment processors (Cashfree, PhonePe), OTP service providers, and legal authorities when required by law.

5. Aadhaar Data

Aadhaar number is collected for KYC purposes only. We follow UIDAI guidelines and do not store any biometric data.

6. Cookies

We use cookies to improve user experience. You may disable cookies in your browser settings.

7. User Rights

You have the right to access, update, or delete your personal data. Contact us at support@apnaemi.in for any data requests.

8. Refund Policy

Platform fees once paid are non-refundable. For disputes, contact us at support@apnaemi.in within 7 days of payment.

9. Contact Us

Email: support@apnaemi.in
Website: apnaemi.in