This Privacy Policy outlines how Zerion Apex, owned, managed, and operated by ZERION APEX INFORMATICS PRIVATE LIMITED, collects, handles, utilizes, and protects personal information when users visit or engage with the platform. The scope of this Policy is limited strictly to activities conducted on this platform and does not apply to any external websites or third-party services accessed through links provided here.

Definitions and Interpretation

For the purposes of this Privacy Policy:

  • “We,” “our,” “us” refer to Zerion Apex
  • “You,” “your,” “user,” “users” refer to any individual who accesses, browses, or uses the platform
Important Notice to Users

If you disagree with any provision of this Privacy Policy, you must immediately stop accessing and using the platform.

This Policy should be reviewed together with our Terms and Conditions, as both documents jointly govern access to and use of our Services.

Information We Collect

To ensure seamless platform functionality, regulatory compliance, and an improved user experience, we collect specific categories of information:

1. Personal Details

  • Full name
  • Contact information including phone number, email address, and residential address
  • Government-issued identification documents (PAN, Aadhaar) required for KYC verification

2. Financial Information

  • Bank account details
  • UPI ID and debit or credit card information
  • Secure transaction data, invoices, and billing records

3. Technical and Usage Data

  • IP address, device identifiers, browser type, and operating system
  • Access logs, usage trends, referral data, and browsing activity

4. Cookies and Tracking Technologies

Cookies are used to:

  • Maintain sessions and remember user preferences
  • Identify and prevent fraudulent or suspicious behavior
  • Improve platform performance and customize user experience

Note: Failure to provide mandatory information may limit access to certain features of the platform.

Purpose of Data Processing

We do not sell, rent, or lease personal information. All data collected is used strictly for legitimate operational and legal purposes, including:

  • Processing payments and completing transactions
  • User and merchant verification
  • Compliance with legal, regulatory, and KYC obligations
  • Fraud detection, prevention, and investigation
  • Customer support management and dispute resolution
  • Enhancing platform security and performance
  • Delivering essential service notifications and updates
  • Conducting internal audits, analytics, and evaluations
  • Customizing user experience
  • Sending promotional communications only where explicit consent has been provided
Data Sharing and Disclosure

Personal information is disclosed only when required by law or necessary for operations, including sharing with:

  • Banks and Payment Partners: For secure transaction execution
  • Merchants: For payment validation and confirmation
  • Authorized Service Providers: Including IT support, hosting services, analytics providers, fraud detection services, and KYC processors
  • Regulatory Authorities: As required under applicable laws
  • Corporate Entities: In the event of mergers, acquisitions, or restructuring

Note: All third parties with access to personal data are required to maintain confidentiality and adhere to this Privacy Policy.

Data Retention Practices
  • Personal and financial information is retained only for the duration required to meet operational, legal, and regulatory needs
  • KYC documents and transaction records are generally stored for 8–12 months in accordance with regulatory requirements
  • Upon expiration of retention periods, data is securely deleted or anonymized
Security Measures

We employ robust safeguards to protect personal information, including:

  • SSL/TLS encryption for data transmission
  • Regular security audits, vulnerability assessments, and penetration testing
  • Role-based access restricted to authorized personnel
  • Multi-factor authentication and ongoing fraud monitoring

Disclaimer: While strong safeguards are in place, absolute security cannot be guaranteed. Users are responsible for protecting their login credentials.

User Rights and Data Management

Subject to applicable laws, including GDPR where relevant, users have the right to:

  • Access personal data held by us
  • Request correction of inaccurate or outdated information
  • Request deletion of personal data
  • Withdraw previously provided consent
  • Object to or limit certain data processing activities
  • Request data portability in a structured, machine-readable format

To exercise these rights, users may contact: operations@zerionapex.com

Cookie Policy

Cookies and similar technologies are used to:

  • Maintain login sessions and store preferences
  • Enable secure access and monitor platform activity
  • Generate analytics and performance reports
  • Detect and prevent fraudulent behavior

Note: Disabling cookies may impact platform functionality or restrict access to certain services.

Third-Party Integrations
  • The platform may integrate with banks, KYC service providers, and analytics tools
  • We do not control how third parties collect, process, or store personal information
  • Users are advised to review the privacy policies of third-party services before sharing any data
Protection of Minors
  • Access to the platform is limited to individuals aged 18 years and above
  • We do not knowingly collect personal information from minors
  • Any data inadvertently collected from minors will be permanently deleted
Changes to This Privacy Policy
  • This Privacy Policy may be updated periodically to reflect legal, operational, or technological changes
  • Revised versions will display an updated “Last Updated” date
  • Users are encouraged to review this Policy regularly
User Consent and Acknowledgment

By accessing or using the platform, you confirm that you have read, understood, and agreed to this Privacy Policy. If you do not accept any part of it, you must immediately discontinue use of the platform.

Contact Details

For any questions, concerns, or complaints related to this Privacy Policy, please contact:
operations@zerionapex.com