Paytm Payments Bank Privacy Policy

• 1. Personal details (e.g. name, contact details, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or education details) needed to open bank account with us and/or avail other services from us.
• 2. Your bank account details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.
• 3. financial details (e.g. income, expenses, and/or credit history) needed as part of application request for some of our services;
• 4. images of documents/ photos required to open and maintain bank account with us and/or avail our services from us.
• 5. voice recordings of our conversations with our customer care agent with you to address your queries/grievances;
• 6. employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for Central KYC Records Registry (CKYCR) purposes under Prevention of Money Laundering (Maintenance of Records) Rules, 2005
• 7. specimen signature(s) for processing of your instructions received by us through our various payment channels;
• 8. opinions provided by you to us by way of feedback or responses to surveys;
• 9. information obtained from your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.

• 1. only for enabling the provision of the banking services availed by you, strictly on a “need to know” basis and subject to applicable laws.
• 2. it is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.
• 3. it is required by banks/financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

• 1. to facilitate the banking transactions or report on these transactions;
• 2. to undertake research and analytics for offering or improving our banking services and their security and service quality;
• 3. to check and process your applications submitted to us for banking services and/or instructions or requests received from you in respect of these services;
• 4. to share with you, updates on changes to the banking services and their terms and conditions;
• 5. to take up or investigate any complaints/claims/disputes;
• 6. to respond to your queries or feedback submitted by you;
• 7. to verify your identity for us to provide banking services to you;
• 8. to carry credit checks, screenings or due diligence checks as lawfully required by us;
• 9. to monitor and review banking services from time to time;
• 10. to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
• 11. for conducting audits and for record keeping purposes;
• 12. for selective offers and promotions.

We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.

• 1. We retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per Master Direction on Issuance and Operation of Prepaid Payment Instruments (https://rbi.org.in/ScriptS/BS_ViewMasDirections.aspx?id=11142), Banking Companies (period of preservation of records) rules, 1985 (http://financialservices.gov.in/sites/default/files/Banking Companies %28Period of Preservation of Records0 Rules%291985.pdf) and the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005 (https://dea.gov.in/sites/default/files/moneylaunderingrule.pdf).
• 2. The PMLA (Prevention of Money Laundering Act 2002) guidelines i.e. section 12, sub-clause nos. 3 and 4 (https://fiuindia.gov.in/files/AML_Legislation/PMLA_2002/Section%2012%20-%20Obligations-Reporting%20Entity%20to%20maintain%20records.html) and PPI guidelines -para 6, sub-clause no. 6.3 (https://rbi.org.in/ScriptS/BS_ViewMasDirections.aspx?id=11142) require your transaction logs to be stored for a period of up to 10 years post the deletion of an account. In the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be suggested by the law of the land to retain your Personal Data for longer periods.

• 1. Please note that a "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
• 2. We may use cookie and tracking technology depending on the features offered.
• 3. No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.