Last Updated: July 2026
Ambigo Payment Solution Private Limited, referred to as "we", "us", or "our", acknowledges
and respects the right to privacy of every individual and is committed to safeguarding their
personal and sensitive personal data or information (defined below).
This Privacy Policy is applicable to all users, including visitors and those who hold an account
with us, collectively referred to as "User", who share their personal and sensitive personal
data with us while accessing and using our website and mobile applications, operated under
the names "Ambigo Business" and "Ambigo All in One", collectively referred to as the
"Platform".
The main objective of this Policy is to inform Users about the collection, use, storage,
transfer, and disclosure of their data. Before submitting any information to us, it is important
to carefully read this Policy to understand how we will handle your information. The
electronic platforms, comprising the website and mobile applications, are owned and
operated by Ambigo Payment Solution Private Limited [CIN no. U66190DL2024PTC438915].
By accessing, browsing, and using the Platform continuously, the User acknowledges that
this Policy forms part of Ambigo Payment Solution's Terms & Conditions, available at the
official platform, and all the terms defined in the Terms of Use have the same meaning as in
this Policy. If the User does not agree with the terms of this Policy, we advise them not to
use or visit our Platform.
This Policy is easily accessible in various places on our Platform, including when Users create
an account with us. Ambigo Payment Solution reserves the right to modify, alter, and update
this Policy at any time, with or without prior notice. We will notify Users of any material
changes through their registered email address or any other mode of communication
available with us. We advise Users to review this Policy regularly to keep themselves
informed about the changes.
By continuing to use or avail the services of the Platform after any modification,
amendment, alteration, or change of this Policy, regardless of whether notice was sent to
the User or published on the Platform, the User is deemed to have given their consent to
this Policy and Ambigo Payment Solution's other policies and practices existing at the time of
visiting, accessing, and/or using the Platform.
This Policy is published in compliance with the Information Technology Act, 2000 and Rules
made thereunder.
DEFINITIONS
“Personal Information”
According to the SPI Rules, Personal Information refers to any information related to a
natural person that can directly or indirectly, in combination with other available
information, identify that person. This includes details such as name, address, mobile
number, and other similar details.
“Sensitive Personal Data or Information”
Sensitive Personal Data or Information refers to personal information that is considered
sensitive and includes details related to passwords, financial information such as bank
accounts, credit cards, debit cards, or other payment instruments, physical, physiological
and mental health condition, sexual orientation, medical records and history, biometric
information, and any other information received under lawful contract or otherwise.
Information that is freely available in the public domain or furnished under the Right to
Information Act, 2005, or any other law shall not be regarded as sensitive personal data or
information.
“Payment Data”
Payment Data refers to all transaction-related data and information that is collected,
transmitted, or processed as part of a payment message or instruction. This includes
customer data (such as name, mobile number, email, official government identifiers, PAN
number, etc.), payment-sensitive data (customer and beneficiary account details), payment
credentials (OTP, PIN, Passwords, etc.), and transaction data (originating & destination
system information, transaction reference, timestamp, amount, etc.)
USER CONSENT, INFORMATION COLLECTED AND PURPOSE
When accessing, browsing, or using services on the Platform, users provide their consent for
the collection, use, disclosure, storage, possession, receiving, dealing or handling of their
Personal Information. In compliance with Rule 5 of SPI Rules, users specifically consent to
the collection and handling of their Sensitive personal data or information for lawful
purposes as stated in this policy by checking a box that affirms their consent during the
creation of their Account on the Platform.
If a user under the age of 18 shares their Personal Information or Sensitive personal data or
information, Ambigo Payment Solution assumes that there is adequate and lawful parental
consent.
To create an account, perform transactions (including AePS, Domestic Money Transfer, BBPS,
and Recharges), and receive customer support services, Users accessing and using our
Platform must provide certain Personal Information and Sensitive personal data or
information. The information that may be collected by us includes the following:
- Full name and age
- Username and password / MPIN
- PAN (Permanent Account Number)
- Official Government Identification details (as required for statutory KYC compliance)
- Postal address
- Email address
- Mobile number
- Internet protocol (IP) addresses (through cookies)
- URL of the Platform accessed before and after the Users' access to our Platform.
- Credit/debit card number, credit/debit card expiration date, and/or other payment instrument details
- User feedback, queries, emails, letters, and suggestions provided to us.
- Third-party information about the concerned User's activities or postings on the Platform
- Information about the mobile/tab device the App is installed on or mobile device identifier
- Any other information required by us that is relevant for accessing and using our Platform.
Our collection of Personal Information or Sensitive personal data or information is limited to
specific, clear and lawful purposes. We use this information to provide Users with a safe,
efficient, smooth and personalised experience while using our Platform. We may also collect
information to improve our services and products, respond to queries or complaints related
to our services, send promotional emails, conduct market research, and create new products
and services.
Additionally, we use this information to provide customer support services, detect and
prevent error, fraud, criminal activity, abuse of our services, and technical issues. We also
enforce our Terms & Conditions, provide co-branded services in affiliation with more than
one corporate entity, and for other lawful purposes as described at the time of collection of
Personal Information or Sensitive personal data or information.
MANNER OF INFORMATION COLLECTION
When Users visit and use our Platform, social media profiles, and customer support service,
we collect information they provide voluntarily. This includes data that is automatically
collected by analyzing their online behavior through cookies.
We understand that Users may choose not to provide certain information or may withdraw
their consent to provide information at any time as per the terms of this Policy. If consent is
withdrawn, we will retain the Personal Information or Sensitive personal data or information
for a period determined by us or as required by law. In such a case, we reserve the right to
limit access to various features and services on the Platform.
DISCLOSURE OF INFORMATION
You provide your explicit consent and authorization for us to share your Personal
Information and Sensitive personal data or information with our trusted affiliates, banking
partners, NPCI, UIDAI, and other authorized third-party service providers, as necessary and
for the lawful purposes stated in this Policy (such as processing AePS, domestic money
transfers, BBPS, or wallet top-ups).
However, we will not disclose any Personal Information or Sensitive personal data or
information to any government institution or authority, except under specific circumstances
such as when required by law, requested by a lawfully authorized government authority,
pursuant to a judicial decree, for enforcing and protecting Ambigo Payment Solution's or
others' legal rights, for seeking any relief, for defending any charge, for opposing any claim,
for enforcing this Policy or our Terms of Use, or for obtaining any legal advice.
In addition, we reserve the right to disclose, share or transfer your Personal Information or
Sensitive personal data or information to a third party if there is a change in ownership,
merger, restructuring, or sale of our business assets.
USE OF COOKIES AND OTHER TECHNOLOGIES
In order to enhance the functionality and user experience of our Platform, we utilize
technology such as "cookies" to collect information from visitors and assign them a unique
identification number known as a User ID. This enables us to better understand the interests
of each individual user. Additionally, our web servers automatically gather limited
information about a user's computer/device connection to the internet, such as their IP
address, when they access our Platform. This information helps us to send data, such as web
pages viewed by the user, to the appropriate device.
Occasionally, users may come across "cookies" or similar technologies on certain pages of
the Platform that are placed by third parties. It is important to note that we do not have
control over how these third parties utilize cookies, and we accept no responsibility or
liability for any associated issues.
LINKS TO THIRD-PARTY WEBSITES
The Platform contains links to other Platforms, and it is possible that these other sites may
collect information about the User. Please note that this Policy does not apply to the
collection and use of information by such linked Platforms, and we cannot be held
responsible for their privacy policies, practices or content. It is the responsibility of the User
to review the privacy policies of any linked Platforms they visit.
CORRECTION AND UPDATING OF INFORMATION
If the Personal Information or Sensitive personal data or information provided by the User is
found to be inaccurate, misleading or incomplete, the User must inform us promptly. The
User can review, update or modify the information on their Account by logging into the
Platform. However, we will not be responsible for verifying the authenticity of Personal
Information or Sensitive personal data or information provided by the User.
RETENTION OF INFORMATION
We will retain and use your Personal Information and Sensitive personal data or information
until the purposes for which we collected your information are no longer applicable, and we
are no longer required by applicable law, regulations, contractual obligations, or legitimate
business purposes to keep your information. Furthermore, we will delete your information if
its retention is not required for the establishment, exercise, or defense of any legal claim.
MAILERS
Ambigo Payment Solution may send direct mailers to the User's email address provided by
the User. If the User wishes to opt-out of these direct mailers, they can use the links
provided at the bottom of each mailer or any other means as determined by Ambigo
Payment Solution. We value User privacy, and in the event that the User chooses to not
receive such mailers, we will remove them from the mailing list. If a User wants to remove
their contact information from all mailing lists and newsletters, they can do so through the
"Profile" page of their account with Ambigo Payment Solution.
ADVERTISING
We use third-party advertising companies to display ads when you visit our Platform. These
companies may use anonymized information (i.e., information that does not include your
name, address, email address, or mobile number) to provide advertisements about goods
and services of interest to you. This anonymized information is usually in the form of
aggregated statistics on traffic to various pages within our Platform.
DATA PROTECTION & SECURITY
The Platform has implemented strict security measures to prevent any misuse, unauthorized
access, modification, disclosure, or destruction of your Personal Information and Sensitive
personal data or information under our control. All data collected is stored on servers that
are secured behind firewalls and password-protected, with access restricted on a need-to-
know basis.
We may conduct regular reviews of our security safeguards and Policy to incorporate any
future changes deemed necessary to ensure the integrity of your Personal Information and
Sensitive personal data or information remains intact. If there is any security breach that
could potentially harm you, we will notify you as soon as possible and take the necessary
measures to remedy the breach or mitigate any immediate harm.
GRIEVANCE REDRESSAL AND CONTACT INFORMATION
If you require clarification regarding this Policy, have any concerns about the unauthorized
access, use, or disclosure of your Personal Information, or have any grievances regarding our
services, please contact our designated Grievance Office:
- Grievance Officer: B. Nayak
- Support Email: airdexpay@gmail.com
- Official Correspondence Email: ambigoindia@gmail.com
