2Kadam

1. Introduction

At 2Kadam (www.2kadam.in), we value your trust and respect your privacy. This Privacy Policy outlines how we collect, use, protect, and share your personal and business information when you use our B2B fintech platform for AEPS, DMT, Recharges, and PAN Card services.

2. Information We Collect

To provide secure financial services and comply with RBI and banking regulations, we collect the following types of information:

KYC Data: Government ID details (such as PAN Card numbers), Shop registration, and photographs during the retailer onboarding process.
Transaction Data: Sender mobile numbers, beneficiary bank account details, and transaction amounts processed through our portal.
Device Information: IP addresses, browser types, and biometric device details (for AEPS transactions) to prevent fraud.

3. How We Use Your Information

Your data is strictly used for the following purposes:

To verify your identity and approve your retailer account.
To process AEPS, Money Transfers (DMT), and bill payments securely.
To provide customer support and resolve transaction disputes.
To comply with legal obligations and anti-money laundering (AML) laws.

4. Data Security

We implement bank-grade encryption (SSL/TLS) to protect your data. 2Kadam does NOT store any sensitive banking passwords, UPI PINs, or biometric fingerprint templates on our servers. All financial data is transmitted directly to our banking partners (NPCI, Sponsor Banks) via secure API channels.

5. Sharing of Information

We do not sell your personal data to marketers. Your information is only shared with authorized banking partners, service operators (like Telecom/DTH providers), and government authorities when required by law to process your requested transactions.