Privacy Policy

Last Updated: December 29, 2025

Welcome to InstenCollect (“we”, “our”, “us”). We value your privacy and are committed to protecting your personal and business information.

This Privacy Policy explains how we collect, use, store, protect, and share information when you use our:

By using InstenCollect, you agree to this Privacy Policy.

1. Information We Collect

We collect the following information when you use our platform:

1.1 Personal Information (Retailers)

  • Name & Mobile number
  • Email address
  • Business name & GST number (optional)
  • KYC documents & Address
  • Bank account details

1.2 Customer EMI Information

  • Customer name & Phone number
  • EMI amount, Due date & Tenure
  • Mandate details & Payment history

1.3 Payment Information

All payments are processed securely via Razorpay, including UPI Mandate, AutoPay approvals, and Settlement transactions.

We do not store any card or sensitive payment data.

1.4 Device & Technical Data

  • IP address
  • Device type, Browser type, OS
  • App version
  • Usage logs and Crash reports

1.5 Communication Data

  • WhatsApp messages
  • SMS notifications
  • Email communications

2. How We Use Your Information

  • Provide EMI AutoPay services
  • Generate UPI mandates
  • Process AutoPay transactions
  • Send EMI reminders & payment alerts
  • Manage Razorpay Route settlements
  • Provide customer support
  • Improve platform performance
  • Detect fraud and unauthorised activity
We never sell your data.

3. Sharing of Information

We may share data only with:

  • Razorpay

    For payments, mandates, settlements, and verification.

  • Third-Party Service Providers

    SMS/WhatsApp API, Cloud hosting (AWS / DigitalOcean), Analytics tools.

  • Legal Authorities

    Only if required by Court order, Government regulation, or Fraud investigation.

We do not share customer EMI details with unauthorized third parties.

4. Data Security

We use industry-grade security measures including:

SSL encryption Tokenized authentication Secure API communication Encrypted database fields Access control layers

Payment data is handled by Razorpay, compliant with PCI-DSS, RBI regulations, and UPI AutoPay norms.

5. Data Retention

We retain data only as long as required for legal compliance, EMI tracking, settlements, and customer service. You may request data deletion at any time (except legal/transactional information).

6. User Rights

You have the right to:

  • Access your data
  • Correct your data
  • Request deletion
  • Withdraw consent
  • Request a copy of your information

To request any of the above, contact us at support@instencollect.com.

7. Cookies & Tracking

Our website may use cookies to improve user experience, analyse traffic, and save login sessions. You may disable cookies anytime from your browser settings.

8. Children’s Privacy

InstenCollect is not intended for users under the age of 18.

9. Changes to Policy

We may update this Privacy Policy. Updates will be posted on this page with a new “Last Updated” date.

10. Contact Us

For any questions or concerns:

📧 support@instencollect.com

🌐 www.instencollect.com

📍 Guwahati, Assam, India

© 2025 InstenCollect. All rights reserved.