Scope & Effective Date
Last updated: 3 August 2026. This Privacy Policy applies to qarahpay.com, related QarAh Pay portals and support interactions operated by QARAHPAY SOLUTIONS PRIVATE LIMITED.
QarAh Pay Policy
Privacy Policy
How QarAh Pay collects, uses, protects and retains personal data across its website, platform and support channels.
QarAh PayDrives Your Vision...Secure onboarding • Service support
Information We Collect
We may collect contact and business details, account and merchant information, KYC and verification references, transaction and receipt details, support communications, device and browser information, IP address, and security or access logs when users interact with QarAh Pay services.
How Information Is Used
Information is used for account and merchant onboarding, identity and business verification, service activation, transaction processing, fraud and security monitoring, customer support, dispute handling, audit, reporting and compliance with applicable legal or provider requirements.
Aadhaar & Biometric Handling
Aadhaar is validated at input where required for an authorised service. QarAh Pay does not store or log the complete Aadhaar number, fingerprint data, biometric templates or PID XML. Where a transaction record requires identification, only a masked Aadhaar value showing the last four digits may be retained in access-controlled, encrypted storage.
Sharing of Information
Information may be shared only as necessary with authorised banks, payment networks, billers, regulated service providers, verification partners, cloud or technology vendors, professional advisers and government or law-enforcement authorities. Each recipient receives only the information required for the relevant purpose.
Data Retention Period
Personal data is retained only for the period needed for the stated purpose, contractual obligations, dispute resolution, security, audit or applicable law. Our standard retention schedule is:
- Website enquiries and general support communications: up to 24 months after the enquiry is resolved or the last interaction.
- Incomplete registration or onboarding records: up to 180 days after the last activity, unless retained for fraud prevention, a dispute or a legal requirement.
- Account, merchant, KYC and provider-onboarding records: for the duration of the relationship and up to 5 years after account closure or the last transaction, unless a longer period is required.
- Transaction, receipt, tax, audit, refund and dispute records: up to 8 years from the relevant transaction or financial year, or longer during an investigation, legal hold or unresolved proceeding.
- Security, access and system logs: 12 months, unless required for an active security investigation or by applicable law.
- Cookies and website analytics identifiers: up to 12 months, unless the user clears them earlier or a shorter expiry is specified.
- Backups: data removed from active systems is normally cycled out of protected backups within 90 days, subject to technical recovery cycles and legal holds.
When a retention period ends, information is securely deleted or anonymised unless continued retention is required by law, a regulator, a service provider contract, an investigation or a legal claim.
Data Security
QarAh Pay uses role-based access, encryption, masked logging, monitoring, secure infrastructure, least-privilege controls and operational reviews to protect personal and transaction information. No internet or storage system can be guaranteed to be completely risk-free.
Your Choices & Requests
Subject to applicable law, users may request access, correction, deletion, withdrawal of consent or information about the processing of their personal data. Some records may continue to be retained where required for legal, tax, fraud-prevention, audit or dispute purposes.
Cookies & Website Logs
The website may use essential cookies and limited technical logs to provide functionality, prevent abuse, understand performance and maintain security. Browser controls can be used to restrict or delete cookies, although some functions may be affected.
Privacy Contact
For privacy questions or data requests, contact support@qarahpay.com or call +91 99498 98151. Principal place of business (as per GST): H.No. 27-64/7/25/3/1, Srikrishna Nagar, Vinayak Nagar, Secunderabad, Medchal Malkajgiri District, Telangana 500056, India. GSTIN: 36AABCQ1382P1Z0.