Updated: 21st July 2025
H91Pay Hindustan ATM Application (hereinafter referred to as “H91Pay Hindustan ATM” or “Hindustan ATM”) is developed and managed by H91 Fintech Private Limited, a company incorporated under the Companies Act, 1956, with its registered office at:
101 Platinum Plaza, 1st Floor, PU-4, Scheme No. 54, Vijay Nagar, Indore, MP, INDIA – 452010
This Privacy Policy (“Policy”) describes how H91Pay Hindustan ATM (collectively referred to as “Hindustan ATM, we, our, or us,” as the context may require) collects, stores, uses, processes, and shares your personal information through its website, mobile application, m-site, chatbot, notifications, or any other medium used by Hindustan ATM (collectively referred to as the “Platform”).
By downloading or using the H91Pay Hindustan ATM application, visiting the website, providing your information, or availing any of our products or services, you expressly agree to be bound by this Privacy Policy and the applicable terms and conditions.
We value the trust you place in us and are committed to protecting your privacy through secure and lawful handling of your personal information.
- Information We Collect
We may collect personal and sensitive information during the course of your usage of our Platform or interaction with us, including:
Personal and Sensitive Information:
- Full name, age, gender, photo, address, phone number, email ID, nominee details
- PAN card number, Aadhaar number or Virtual ID, and related KYC documents (submission of Aadhaar is not mandatory)
- KYC videos, selfies, or verification files
- Bank details: account number, IFSC, transaction history, wallet balance
- UPI ID (if applicable)
- OTPs sent by banks or Hindustan ATM
- Investment and financial transaction data
- Device information: model, IP address, location, plugins, browser, cookies
- Contact details (if feature explicitly requires access, with consent)
- SMS data (for OTP auto-read, with permission)
Stages of Data Collection:
- When visiting or registering on the Platform
- During transactions or attempts
- When engaging in chats, surveys, or feedback
- While applying for job opportunities
- During communication with our affiliates, partners, or subsidiaries
Information from Third Parties:
- Credit, fraud check, or background data from legally authorized databases
- Aadhaar e-KYC data from UIDAI
- Vehicle details for insurance-related services
- Educational/employment information for job applicants
- Business proof, shop images, or live location for verification
- Purpose and Use of Information
Your personal information is processed for the following purposes:
- Account creation and identity verification
- Access to products/services from Hindustan ATM or partners
- Compliance with KYC requirements mandated by UIDAI and regulators
- Verification and sharing of KYC with regulated entities (REs), AMCs, or FIs
- Payment processing, transaction authentication, and support
- Enhancing user experience through behavior analysis
- Monitoring product performance and conducting audits
- Marketing and offering tailored services (with opt-out option)
- Fraud detection, due diligence, and risk control
- Dispute resolution, legal compliance, and safety measures
- Security breach detection, forensic audits, and investigations
- Legal or regulatory obligations
Location Access:
We collect real-time location (Geo Location) for services such as AEPS, BBPS, and Money Transfer, governed by NPCI, and for employee visit tracking (Sales, FOS, etc.).
- Cookies or Similar Technologies
We use cookies and similar tools to:
- Analyze website flow and performance
- Enhance user trust and security
- Enable password-less session continuity
- Target content and ads based on interest
Cookies do not store personal data. You can disable them via your browser, though this may affect some functionalities.
- Data Shared with Third-Party SDKs
We integrate with SDKs to support essential app features like KYC, payments, analytics, and support. Shared data (only as needed) includes:
Information Shared:
- User ID, Outlet ID, Partner Code
- Service type and transaction details
- API keys (used securely)
- Device, location, network, and session data
Permissions Requested:
- Camera: For document scans, selfies
- Storage: To upload KYC documents
- Location: For real-time services
- Internet: For connectivity
- Phone State: For fraud control
- Notifications: To send alerts
We ensure only required data is shared, following strict compliance and encryption protocols.
- Information Sharing & Disclosure
We share your data only as necessary and as permitted by law:
- With partners, merchants, affiliates, government bodies, regulators
- For Aadhaar authentication through CIDR or NSDL
- For fulfilling KYC and compliance processes
- With payment or financial institutions for validation
- For fraud prevention, risk management, or legal proceedings
- In case of mergers, acquisitions, or internal investigations
We require third parties to follow privacy standards equal to or stricter than ours but do not assume liability for their policies or data practices.
- Storage & Retention
Your data is stored within India and retained as per applicable laws, only for as long as necessary for the original purpose, or longer if legally mandated.
Upon expiration of retention timelines, data is securely deleted.
- Reasonable Security Practices
We implement strong technical, physical, and organizational controls, including:
- Encryption of data in transit and at rest
- Firewalled, password-protected servers
- Internal and external security audits
You are responsible for securing your login credentials. Hindustan ATM also provides app-level security features such as logout controls and screen lock.
- Third-Party Services and Links
Hindustan ATM may provide access to third-party services. Their privacy policies will govern how they use your data. We are not responsible for any actions or practices of third-party websites or applications.
- Consent
By using the Platform and sharing your data, you consent to this Policy. If you share others data with us, you confirm you have their consent.
- Choice / Opt-Out
You may opt-out of marketing communications or certain services at any time by unsubscribing from emailers or contacting support.
- Access, Rectification, and Deletion
To access, update, or delete your personal data or revoke consent, contact us via the details below. Revocation may limit access to certain services.
We may retain certain information if legally necessary, even after a request for deletion.
- Children’s Privacy
Our Platform is only available to individuals capable of forming a valid contract under the Indian Contract Act, 1872. Users under 18 must use the services under the supervision of a parent or guardian.
- Changes to This Policy
We may revise this Policy without prior notice. Your continued use of the Platform after such changes implies acceptance. Please review this page periodically.
SECTION 14: ADDITIONAL LEGAL, SECURITY, AND COMPLIANCE DISCLOSURES
H91 Fintech Private Limited (“we”, “our”, or “us”) provides the following additional disclosures and terms as part of this Privacy Policy:
- Definitions
- “Applicable Laws” refers to any laws, rules, or regulations in force in India, including the Information Technology Act, 2000 and its rules.
- “User” refers to any individual or entity using the H91Pay Hindustan ATM application or services.
- “Platform” means the mobile app, web portals, APIs, and all related services provided by us.
- “Personal Information” shall have the meaning assigned under the IT Act and includes sensitive personal data or information.
- Age Restriction
Use of our services is restricted to individuals who are at least 18 years of age. By using the Platform, you confirm that you meet this requirement.
- Use of Information for Platform Improvement
We may use your Personal Information, device information, and usage patterns to analyze and improve our services, user experience, system performance, and security.
- IP Address and Log Files
We may collect information such as your IP address, device ID, operating system, browser type, and timestamps to ensure security, prevent fraud, and analyze trends and traffic.
- Third-Party Services and Links
Our platform may include links to or integrate third-party services (e.g., payment gateways, KYC partners, SMS providers). We are not responsible for the privacy practices or content of these external sites or services. Users are encouraged to review their privacy policies independently.
- Retention and Anonymization of Data
We retain personal information only as long as required to fulfill the purposes outlined in this policy or as required by applicable law. After account deactivation or deletion, some data may be anonymized and retained for compliance, audit, or service improvement.
- Data Disclosure for Legal and Regulatory Requirements
We may share your Personal Information with regulators, government authorities, or law enforcement:
- to comply with a legal obligation;
- to enforce our terms or policies;
- to respond to lawful requests (e.g., subpoenas, court orders);
- or to detect, prevent, or address fraud, security, or technical issues.
- Prohibited Activities
Users are prohibited from:
- Using the app for unlawful, fraudulent, or harmful purposes;
- Uploading viruses or malicious code;
- Harassing, threatening, or abusing others;
- Attempting to breach or test the security of the Platform.
Violation may result in suspension or termination of access and possible legal action.
- Intellectual Property
All content, trademarks, logos, and other materials available on the platform are the property of H91 Fintech Private Limited or its licensors. Users are prohibited from copying, reproducing, or using any part of the app or website content without prior written permission.
- Indemnity
You agree to indemnify, defend, and hold harmless H91 Fintech Private Limited, its directors, officers, employees, and affiliates from and against any claims, losses, liabilities, damages, and expenses arising from:
- your misuse of the Platform;
- violation of any applicable law or rights of a third party;
- breach of this Privacy Policy.
- Policy Updates
We reserve the right to update this Privacy Policy at any time without prior notice. Updates will be published on our website and/or app. Continued use of the Platform after such updates constitutes your consent to the revised policy.
- Contact Us
For questions, complaints, or data-related concerns, contact:
Grievance Officer:
Mr. B. Nayak
H91 Fintech Private Limited
📧 Email: care@hindustanatm.in
📞 Phone: 9644779986
🌐 Website: www.hindustanatm.in
We aim to resolve complaints within 60 days of receipt. Delays will be communicated proactively.
