Privacy Policy
Effective Date: October 1, 2026 | Applicable to all services under Shreedhar Payments Private Limited
1. Introduction & Regulatory Governance
This policy outlines the protocols and practices of Shreedhar Payments Private Limited (operating under the trade name Sathe Pay). We operate in strict adherence to guidelines issued by the Reserve Bank of India (RBI), National Payments Corporation of India (NPCI), and the Information Technology Act, 2000 (and amendments).
2. Information Collection & Usage
To provide AePS cash withdrawal, BBPS utility bill payments, recharge, insurance distribution, and loan facilitation services, we collect necessary user information including name, phone number, email address, transaction reference, and KYC records.
Biometric fingerprint scans captured for Aadhaar-enabled payments are encrypted in-transit via standard UIDAI RD Service protocols and sent directly to the NPCI banking gateway. Sathe Pay never retains or logs raw biometric credentials.
3. Settlement, Refunds & Cancellation
In the event of a transaction failure where funds are debited from the customer's bank account but the service is not rendered (e.g. timeout during bill payment or recharge), NPCI automated T+1/T+2 reconciliation reversal rules apply. The refund is routed directly back to the original funding source by the issuing bank.
4. Security Infrastructure
We enforce strict data security measures, including 256-bit Secure Socket Layer (SSL) encryption, firewalls, and role-based access control. All communication between retailers, customers, and our core servers is tamper-proof and encrypted.
5. Grievance Redressal & Escalation
If you have any dispute, query, or unresolved complaint regarding a transaction or service, you may reach out to our appointed Grievance Redressal Officer: