This Privacy Policy explains how RupiWise (“Rupiwise”, “we”, “us”, or “our”), operating the website rupiwise.in and application app.rupiwise.in (collectively, the “Service”), collects, uses, stores, and protects your personal and business financial information.

1. Information We Collect

• Account & Profile Information: Name, business name, phone number, email address, billing address, and account credentials provided during registration.
• Business & Tax Compliance Data: GSTIN (Goods and Services Tax Identification Number), PAN, HSN/SAC codes, business bank details, company logos, and signature assets uploaded for invoicing.
• Customer & Transaction Records: Information regarding your buyers/vendors, invoice line items, transaction amounts, payment statuses, and shipping addresses entered into the platform.
• Device & Usage Data: IP addresses, browser types, operating systems, access timestamps, and interactions with our application dashboard collected automatically via standard logs.

2. How We Use Your Information

• To operate, maintain, and provide the core invoicing, billing, accounting, and reporting features of RupiWise.
• To generate GST-compliant invoices, E-Way bills, E-Invoices, and statutory tax reconciliation reports.
• To facilitate invoice delivery and automated payment reminders via WhatsApp, email, or SMS on your behalf.
• To process subscription payments, manage user accounts, and deliver customer technical support.
• To monitor platform performance, prevent fraudulent activities, and maintain system security.

3. Data Sharing and Third-Party Processors

We do not sell, rent, or trade your personal or business financial data. We disclose data solely to trusted third parties strictly necessary to deliver the Service:

• Payment Gateways: For processing recurring subscription charges and generating payment collection links (e.g., Razorpay, Cashfree, or UPI rails).
• Communication Providers: For automated delivery of transactional invoices and payment reminders via WhatsApp Business API and email gateways.
• Statutory & Compliance Integrations: Where authorized by you, to interface with government reporting systems such as the Invoice Registration Portal (IRP) or GSTN.
• Cloud Infrastructure: Data hosting and database services operating on secure, encrypted server environments.

4. Data Security and Storage

• Encryption: All data in transit is encrypted using standard Transport Layer Security (TLS 1.2/1.3), and sensitive records are encrypted at rest.
• Access Controls: Access to production databases is strictly restricted to authorized personnel under multi-factor authentication and role-based access rules.
• Data Retention: We retain your account and financial data for as long as your account remains active or as required by applicable Indian tax and financial record-keeping laws.

5. Your Rights

Subject to applicable Indian data protection laws, you have the right to:

• Access and export your business transaction ledgers and customer data.
• Update or correct inaccurate personal details from your dashboard settings.
• Request the closure of your account and deletion of your data, subject to mandatory legal and statutory retention requirements.

6. Cookies and Tracking

We use essential cookies to manage user authentication, session security, and preferences. You can configure your browser to decline cookies, but certain core features of the dashboard may not function properly.

7. Grievance Officer & Contact Information

In accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, the details of the Grievance Redressal Officer are provided below:

• Name: Shalin Shah
• Designation: Compliance Lead
• Email: support@rupiwise.in