Privacy Policy

This Privacy Policy explains how TRAVSM (“we”, “our”, “us”) collects, uses, discloses, and protects your personal information when you use our website and services. By using our platform, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

• Personal Identification Details: Name, email, phone number.
• KYC Information: PAN, Aadhaar (securely encrypted), address.
• Investment Information: Amount, tenure, payout preferences.
• Payment Information: Details processed securely by estabilshed payment gateways (we do not store card/UPI PIN).
• System Information: IP address, device details, browser type, access logs.
• Communication Records: Emails, SMS logs, support messages.

2. How We Use Your Information

Your information may be used for the following purposes:

• To create and manage your TravSM account.
• To verify your identity (KYC) and ensure regulatory compliance.
• To process investments and payout interest.
• To provide customer support.
• To send OTPs, confirmations, and service notifications.
• To generate investment agreements and financial statements.
• To improve website performance, security, and user experience.

3. Data Security

We take strong measures to protect your information, including:

• Encryption of Aadhaar and PAN using AES-256.
• Strict access controls; only authorised staff can access sensitive data.
• Secure storage of API keys outside the web root.
• Use of HTTPS for all data transmission.

While we implement these safeguards, no system can be 100% secure. You agree to use our platform at your own risk.

4. Sharing of Information

We may share your information only with the following:

• Payment Processor (Razorpay): To complete your investment transaction.
• SMS Gateway (2Factor): For sending OTPs and confirmations.
• Regulatory Authorities: If required by law, court, or compliance requirements.

We do not sell or rent your personal data to third parties.

5. Cookies & Tracking

We may use cookies for session management, security, analytics, and improving user experience. You may disable cookies in your browser, but some features may stop working.

6. Your Rights

You may request the following actions at any time:

• Access your stored information
• Request correction of inaccurate data
• Request deletion of certain data (subject to legal limits)
• Opt-out of non-essential communications

7. Data Retention

For regulatory and taxation requirements, we may retain investment and KYC records for up to 8 years after termination of relationship. After that, data is securely deleted or anonymised.

8. Third-Party Links

Our website may contain links to other external websites. Once you leave our platform, their privacy policies apply. We are not responsible for the security or content of third-party websites.

9. Children’s Privacy

Our services are intended only for individuals above 18 years. We do not knowingly collect data from minors.

10. Policy Updates

We may update this Privacy Policy periodically. Continued use of the website after updates implies acceptance of the revised policy.

11. Contact Information

For questions, concerns, or privacy-related requests, please contact us using the email or contact form available on our website.

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