Privacy Policy

PRIVACY POLICY

This Privacy Policy governs how JKSmartPay (operated by YourPanth Techservice Private Limited, hereinafter referred to as "Company", "We", "Us", or "Our") collects, uses, stores, shares, and protects personal information provided by users through our website, mobile applications, and services.
By accessing or using jksmartpay.in, you agree to the terms outlined below.

1. INFORMATION WE COLLECT

We may collect personal information necessary to provide secure, efficient, and customized travel, booking, payment, and financial services.
Personal Information: Full name, email address, phone number, date of birth, postal address, and government-issued identification information such as Aadhaar, PAN, Passport, or other documents where required.
Travel & Booking Information: Passenger details, flight/train/bus information, hotel reservations, tour details, travel preferences, emergency contact information, and special service requests.
Financial & Payment Information: Payment details, bank account information, digital wallet identifiers, billing information, transaction details, and payment history.
Technical Information: IP address, browser type, device information, operating system, pages visited, usage information, and interaction data collected through cookies and similar technologies.

2. HOW WE USE YOUR INFORMATION

We may use collected information for the following purposes:
Service Delivery: Processing bookings, issuing travel tickets, arranging tour packages, facilitating forex transactions, and enabling permitted digital payment services.
Account Management: Creating and managing user accounts, verifying identity, processing KYC information, and providing customer support.
Financial Compliance: Meeting applicable KYC, AML, RBI, FEMA, fraud prevention, tax, and other regulatory requirements.
Communication: Sending booking confirmations, payment receipts, travel updates, transaction notifications, administrative communications, and promotional communications where permitted or opted-in.
Platform Improvement: Understanding usage trends and improving website functionality, performance, security, and user experience.

3. SHARING AND DISCLOSURE OF INFORMATION

We do not sell your personal information.
We may share information only where necessary for the following purposes:
Travel Service Providers: Airlines, railways, bus operators, hotels, tour operators, cab operators, and other providers required to fulfill your bookings.
Financial & Payment Partners: Payment gateways, banks, authorized forex providers, remittance partners, and other financial service providers required to process transactions.
Legal & Regulatory Authorities: Government authorities, regulators, courts, law enforcement agencies, or other authorities where disclosure is required or permitted by applicable law.
Third-Party Service Providers: Trusted vendors providing technology infrastructure, hosting, customer support, analytics, security, communications, or other services on our behalf.

4. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures designed to protect personal information against unauthorized access, alteration, disclosure, misuse, or destruction.
These measures may include encryption, secure data storage, access controls, authentication mechanisms, monitoring, and other security practices.
However, no method of transmission over the Internet or electronic storage system can be guaranteed to be completely secure.

5. DATA RETENTION

We retain personal information only for as long as necessary to provide Services, fulfill the purposes described in this Privacy Policy, comply with legal and regulatory obligations, maintain financial and accounting records, prevent fraud, resolve disputes, or enforce our agreements.
When information is no longer required, we may securely delete, destroy, anonymize, or otherwise dispose of it in accordance with applicable law.

6. YOUR RIGHTS AND CHOICES

Subject to applicable laws and regulations, you may have certain rights regarding your personal information.
Access & Correction: You may request access to personal information held by us or request correction of inaccurate or incomplete information.
Communication Preferences: You may opt out of promotional communications by using the unsubscribe option provided in promotional emails or by contacting us.
Data Deletion: You may request deletion of your personal information or account, subject to legal, regulatory, contractual, fraud prevention, and other obligations requiring us to retain certain information.

7. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar technologies to improve website navigation, analyze traffic, understand user behavior, maintain security, remember preferences, and improve the overall user experience.
Users may manage or disable cookies through their browser settings.
Disabling certain cookies may affect the availability or functionality of some features on the Platform.

8. THIRD-PARTY LINKS

Our Platform may contain links to third-party websites, applications, payment gateways, Service Providers, or other external services.
JKSmartPay does not control the privacy practices, security, content, or policies of third-party websites.
Users are encouraged to review the privacy policies and terms of any third-party website or service they access.

9. CHILDREN'S PRIVACY

Our Services are intended for users who are at least 18 years of age.
We do not knowingly provide Services directly to individuals under the age of 18 without appropriate authorization or involvement of a parent or legal guardian where required by applicable law.
If we become aware that personal information has been submitted by a person under the applicable age without appropriate authorization, we may take reasonable steps to delete such information.

10. UPDATES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in our Services, business practices, technology, legal requirements, or applicable regulations.
Any changes will be posted on this page with an updated "Last Updated" date.
Users are encouraged to review this Privacy Policy periodically.
Continued use of the Platform after changes are posted may constitute acceptance of the updated Privacy Policy, to the extent permitted by applicable law.

11. CONTACT US

If you have questions, concerns, requests, or complaints regarding this Privacy Policy or our data practices, please contact us:
Company Name: YourPanth Techservice Private Limited (JKSmartPay)
Address: Shop No 102, Bombay Silver 2, 80 Feet Main Road, Rajkot, Gujarat - 360003, India
Phone: +91 8488889794
Email: info@jksmartpay.in
Website: jksmartpay.in