Privacy Policy

1. Introduction

SKP Instant Online Services ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card to cash transfer and digital financial services.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our services.

2. Information We Collect

Personal Information

When you contact us or use our services, we may collect the following personal information:

• Full name and contact details (phone number, WhatsApp number)
• City and address information
• Credit card details (card number, type, limit — only as required for the service)
• Bank account details (for transfer purposes)
• PAN card or government ID (where required by law)

Usage Information

We may also collect non-personal information such as browser type, device type, pages visited on our website and time of access.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process your credit card to cash or bank transfer requests
• To verify your identity and prevent fraud
• To communicate with you about your transactions and service updates
• To comply with applicable financial and legal regulations in India
• To improve our services and customer experience
• To send you promotional messages (only with your consent)

4. Confidentiality & Data Protection

We take the confidentiality of your financial information extremely seriously. All credit card and bank account data shared with us is:

• Used exclusively for the purpose of completing your requested transaction
• Never stored on unsecured systems
• Never sold, rented or shared with unauthorized third parties
• Processed in compliance with applicable Indian financial regulations

5. Information Sharing

We do not sell, trade, or transfer your personal information to outside parties. We may share your information only in the following limited circumstances:

• Service providers: Trusted third parties who assist us in operating our business (e.g., payment processors), bound by confidentiality agreements
• Legal compliance: When required to do so by law or to comply with a government request
• Fraud prevention: To protect against illegal activities or fraud

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. Transaction records may be retained for a minimum of 7 years as required by Indian financial regulations.

7. Security Measures

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

8. Your Rights

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you
• Correction: You may request correction of inaccurate information
• Deletion: You may request deletion of your personal data, subject to legal retention requirements
• Opt-out: You may opt out of promotional communications at any time

9. Cookies

Our website may use cookies to enhance user experience. You can set your browser to refuse cookies, though some features of the website may not function properly as a result.

10. Third-Party Links

Our website may contain links to third-party websites (e.g., Google Maps, Arise Times, Winsaa.org). We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page with an updated date. Your continued use of our services after changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

• Business: SKP Instant Online Services
• Phone / WhatsApp: +91 91540 66001
• Location: Vijayawada, Andhra Pradesh, India