Information We Collect
We collect personal information that you provide to us, such as your name, email address, phone number, and payment information when you use our services.
Payment Information Collection
When you make a payment through our platform, we collect and process the following information:
- Full Name
- Email Address
- Phone Number (with country code)
- Billing Address (Street, City, State, Postal Code)
- Payment method details (processed securely via Razorpay)
- Transaction amount and timestamp
- Unique booking reference and transaction ID
RAZORPAYPayment Gateway Data Collection
All payment transactions are processed through Razorpay, a secure PCI-DSS Level 1 compliant payment gateway. Your full payment card details are never stored on our servers.
How We Use Your Information
Your information is used to provide transportation services, process payments, communicate with you, and improve our services. We may also use your information for marketing purposes with your consent.
Payment Information Usage
Payment information collected during transactions is used for:
- Processing your booking and ride payments
- Generating transaction receipts and invoices
- Fraud detection and prevention
- Compliance with tax and regulatory requirements
- Dispute resolution and customer support
- Sending payment confirmations and notifications
🔒 Privacy Assurance: We do not use your payment information for marketing without your explicit consent. Your financial data is processed only for transaction purposes.
Information Sharing
We do not sell, trade, or rent your personal information to third parties. We may share your information only in limited circumstances, such as with our service providers or when required by law.
Payment Information Sharing
Your payment information may be shared with the following entities only when necessary:
- Razorpay Payment Gateway: For secure payment processing and transaction management
- Financial Institutions: Banks, payment networks (Visa, MasterCard) for payment authorization
- Law Enforcement: When required by legal mandate or court order
- Regulatory Bodies: For tax compliance and RBI reporting requirements
- Our Service Providers: Third-party vendors who help us provide services (under strict NDAs)
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Data Security
We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
Payment Data Security Standards
Your payment information is protected through multiple layers of security:
- PCI-DSS Compliance: Razorpay maintains Level 1 PCI-DSS certification
- 256-bit SSL Encryption: All data transmission is encrypted end-to-end
- Tokenization: Payment card details are tokenized, never stored in plain text
- Secure Servers: Industry-standard firewalls and intrusion detection systems
- Fraud Monitoring: 24/7 AI-powered fraud detection and prevention
- Two-Factor Authentication: Additional verification for high-value transactions
- No Card Storage: Complete card information is never stored on our servers
Your Rights
You have the right to access, update, or delete your personal information. You can also opt out of certain communications at any time.
Your Data Rights
As per Indian data protection regulations, you have the following rights:
- Right to Access: Request a copy of your personal data including payment history
- Right to Correction: Update or correct inaccurate payment information
- Right to Erasure: Request deletion of your data (subject to legal retention requirements)
- Right to Opt-out: Unsubscribe from marketing communications at any time
- Right to Data Portability: Receive your data in a structured, machine-readable format
- Right to Lodge Complaints: Contact the Ministry of Electronics and Information Technology (MEITY)
To exercise any of these rights, contact: sgmcabbooking@gmail.com
Data Retention
We retain payment and personal information as required by law and for legitimate business purposes:
- Transaction Records: Retained for 5-7 years for tax and audit purposes
- Dispute Records: Kept for 180 days after dispute resolution
- Payment Methods: Deleted upon your request or account closure
- Communication Logs: Retained for 2 years for customer service purposes
Compliance & Legal Basis
Our data processing practices comply with:
- Information Technology Act, 2000
- Reserve Bank of India (RBI) guidelines for payment systems
- Payment Card Industry Data Security Standard (PCI-DSS)
- Razorpay Privacy Policy and Terms of Service
Contact Us
If you have questions about this Privacy Policy or wish to exercise your data rights:
- Email: sgmcabbooking@gmail.com
- Phone: +91 8458522274
- Support Hours: 24/7 available