Last Updated: March 19, 2024

1. Introduction

This Privacy Policy applies to your use of:

• The Razorpay website located at razorpay.com
• Razorpay’s services (“Services”) as defined in the Razorpay Terms of Use
• Razorpay mobile applications (iOS, Android)

This policy does not apply to third-party websites linked from our platform or any direct relationships you may have with businesses using Razorpay’s services.

“We,” “us,” or “our” refers to Razorpay Software Private Limited.
“You,” “your,” or “User” refers to any individual accessing or using our Services.
“Personal Information” means any information that identifies or can be used to identify you, such as your name, email address, phone number, financial details, or other data linked to these identifiers.

By using our Services, you consent to the collection, use, processing, and sharing of your Personal Information as described in this Policy. If you do not agree, please do not use our Services.

This Policy should be read together with our Terms of Use , which form an integral part of your relationship with us.

2. Information We Collect and How We Use It

2.1. Personal Information You Provide

We collect Personal Information you voluntarily provide when:

• Creating an account
• Making or receiving payments
• Contacting customer support
• Subscribing to newsletters or marketing communications

This includes:

• Name, email address, phone number
• Bank account, card, or wallet details (for payment processing)
• KYC documents (as required under RBI regulations)
• Other information you choose to share

We only collect information necessary to deliver our Services, comply with legal obligations, and enhance your experience.

2.2. Third-Party Account Integration

If you link your third-party accounts (e.g., Google, Apple Pay), we may receive limited information from those platforms based on your permissions. This information is subject to this Privacy Policy.

You may opt out of sharing certain data, but doing so may limit access to features or Services.

2.3. Purpose of Use

We use your Personal Information to:

• Enable and improve your use of Razorpay Services
• Process payments and manage transactions
• Communicate with you about your account, transactions, or updates
• Prevent fraud, abuse, and illegal activity
• Customize your experience and personalize content
• Conduct internal analytics and product development
• Comply with applicable laws and regulatory requirements (e.g., RBI, PMLA)
• Enforce our Terms of Use and protect our legal rights

We will not use your information for purposes materially different from those disclosed at the time of collection without obtaining your explicit consent.

2.4. Merchant Accounts

Merchants using Razorpay must provide business and personal identification details (including KYC documents). These are stored securely and used solely for verification, compliance, and service delivery.

2.5. Customer Information

When customers make payments through Razorpay checkouts, we may collect their:

• Name
• Email address
• Mobile number
• Payment instrument details (card/wallet)
• Billing/shipping address (if provided)

We do not share this information with merchants unless you explicitly authorize it during checkout. Any misuse by merchants is beyond our control, and we assume no liability for their actions.

3. Automated Data Collection & Analytics

We automatically collect non-personal and aggregated usage data, including:

• IP address
• Browser type and version
• Device information
• Pages visited, search queries, timestamps
• Referring URLs and location (approximate)

This data helps us:

• Improve security and system performance
• Analyze trends and user behavior
• Optimize our Services

This information is aggregated and anonymized — it cannot be used to identify you individually.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Recognize your browser and maintain session state
• Enhance site functionality and user experience
• Analyze traffic patterns and optimize performance

Types of Cookies:

• Session cookies: Deleted when you close your browser
• Persistent cookies: Remain until manually deleted

You can disable cookies via your browser settings. However, disabling them may impair access to certain features.

We also work with trusted third-party analytics and advertising partners (e.g., Google Analytics) who may collect anonymous usage data to serve relevant ads. These partners do not access or store your Personal Information (name, email, phone, etc.).

You may opt out of targeted advertising by:

• Disabling cookies in your browser
• Using browser-based opt-out tools (e.g., Google Ads Settings)

5. Data Sharing and Disclosure

We do not sell your Personal Information.

We may share your data only with:

• Financial institutions (banks, payment networks) for transaction processing
• Regulatory authorities (RBI, tax agencies) as required by law
• Affiliates (parent companies, subsidiaries) under strict confidentiality obligations
• Service providers (cloud hosting, IT support, fraud detection) who process data solely on our behalf
• Third parties if you explicitly authorize such sharing (e.g., linking to external apps)

Legal Disclosures

We may disclose your information if required by law or in good faith belief that disclosure is necessary to:

• Comply with subpoenas, court orders, or government requests
• Protect our rights, property, or safety (or that of users or the public)
• Investigate or prevent fraud, illegal activity, or violations of our Terms

We are not obligated to challenge the validity of lawful governmental requests.

Aggregate Data

We may share anonymized, aggregate statistics with partners (e.g., “X million users clicked on our ad”) for business or advertising purposes.

6. Links to Third-Party Websites

Our website may contain links to third-party sites. These sites have separate privacy policies, and we are not responsible for their practices. We encourage you to review their policies before providing any information.

7. Your Rights and Choices

As a User, you have the right to:

• Access your Personal Information
• Correct inaccurate or incomplete data
• Delete your account and associated data (subject to legal retention requirements)
• Opt out of marketing emails via the unsubscribe link in every email
• Disable SMS alerts by contacting us at support@razorpay.com
• Withdraw consent for non-essential data processing

To exercise these rights, log into your account or contact our Data Protection Officer (DPO) at dpo@razorpay.com .

Note: Certain data may be retained for legal, accounting, or fraud prevention purposes even after account deletion, as required by Indian law.

8. Security Measures

We implement industry-standard technical and organizational safeguards to protect your data, including:

• Encryption (SSL/TLS) for data transmission
• Secure storage protocols
• Access controls limiting employee and contractor access to only what is necessary
• Regular security audits and vulnerability assessments

Despite these measures, no internet-based system is 100% secure. By using our Services, you acknowledge and accept this inherent risk and release us from liability for unauthorized interception or breaches caused by factors outside our reasonable control.

9. International Transfers

Your data may be transferred, processed, or stored outside India, including in jurisdictions with varying data protection laws. We ensure all transfers comply with applicable legal frameworks, including adequate safeguards under India’s Digital Personal Data Protection Act, 2023.

10. Policy Updates

We may update this Privacy Policy periodically. Changes will be effective immediately upon posting on this page. We encourage you to review this Policy regularly.

Continued use of our Services after changes constitutes your acceptance of the revised terms. If you object to material changes, you must stop using our Services and request account deletion.

You are responsible for ensuring your contact details (especially email) remain current.

11. Governing Law and Jurisdiction

This Privacy Policy is governed by and construed in accordance with the laws of India. Any disputes arising from your use of our Services shall be subject to the exclusive jurisdiction of the courts in Bengaluru, India.

12. Grievance Redressal

If you have concerns regarding your Personal Information, privacy practices, or potential breaches, please contact our Data Protection Officer (DPO):

Mr. Shashank Karincheti
Data Protection Officer
Razorpay Software Private Limited
No. 22, 1st Floor, SJR Cyber, Laskar - Hosur Road, Adugodi
Bangalore – 560030, India
📞 +91 80 4666 9555
✉️ dpo@razorpay.com
🌐 Grievance Portal

We aim to respond to all complaints within 30 days.

13. Acceptance Details (Internal Use Only)

These details are for internal record-keeping and do not affect your rights under this Policy.

✅ Last Reviewed: March 19, 2024
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