Privacy Overview
Classy Construction Financial Services ("we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy applies to all users, partners, agents, and visitors of our platform at classyconstruction.in.
This policy is governed by the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act (DPDP Act), 2023 of India.
Data We Collect
Personal Identification Data
- Full name, date of birth, gender
- Aadhaar number (masked/hashed as per UIDAI guidelines)
- PAN card number
- Photograph and biometric data (for AEPS/MATM services)
- Address proof and residential details
Financial Data
- Bank account details (account number, IFSC, bank name)
- Transaction history and amounts
- Wallet balance and commission records
- Settlement and payout records
Contact & Communication Data
- Mobile number and email address
- WhatsApp communication records
- Support tickets and chat history
Technical Data
- IP address, browser type, device information
- Login timestamps and session data
- Platform usage and activity logs
- Location data (where required for service delivery)
| Data Category | Purpose | Legal Basis |
|---|---|---|
| KYC Documents | Identity verification, regulatory compliance | Legal obligation (RBI/PMLA) |
| Bank Details | Transaction processing, settlement | Contract performance |
| Biometric Data | AEPS/MATM authentication | Consent + UIDAI guidelines |
| Usage Logs | Security, fraud detection | Legitimate interest |
| Contact Details | Communication, support | Contract performance + Consent |
How We Use Your Data
We use the collected data for the following purposes:
- Service Delivery: Processing transactions, managing your account, and delivering all contracted services
- KYC & Compliance: Verifying your identity and fulfilling obligations under PMLA, RBI guidelines, and NPCI standards
- Security & Fraud Prevention: Detecting, investigating, and preventing fraudulent activities and unauthorized access
- Communication: Sending transaction alerts, commission updates, service notifications, and support responses
- Customer Support: Resolving disputes, handling complaints, and improving service quality
- Legal Compliance: Responding to regulatory inquiries, court orders, or lawful law enforcement requests
- Platform Improvement: Analyzing usage patterns to enhance features and user experience (in anonymized form)
We do not sell, rent, or trade your personal data to any third party for marketing or commercial purposes.
Data Storage & Security
All data is stored on secure servers located in India. We implement industry-standard security measures including:
- 256-bit SSL/TLS encryption for all data in transit
- AES-256 encryption for sensitive data at rest
- Multi-factor authentication for administrative access
- Regular security audits and penetration testing
- Role-based access controls limiting employee data access
- Aadhaar data handled strictly per UIDAI guidelines (masked/tokenized)
- Real-time fraud detection and anomaly monitoring
While we take all reasonable precautions, no electronic transmission is 100% secure. In the event of a data breach, we will notify affected users and relevant authorities as required by law within 72 hours.
Data Retention
We retain your personal data for the following periods:
- KYC Documents: 5 years from account closure (as per PMLA requirements)
- Transaction Records: 5 years from transaction date (as per RBI guidelines)
- Active Account Data: Duration of the partnership plus 5 years
- Communication Logs: 2 years from the date of communication
- Technical/Usage Logs: 1 year
After the retention period, data is securely deleted or anonymized unless a longer retention period is required by law or is necessary for ongoing legal proceedings.
Your Data Rights
Under the Digital Personal Data Protection Act (DPDP Act), 2023 and applicable Indian law, you have the following rights:
- Right to Access: Request a copy of the personal data we hold about you
- Right to Correction: Request correction of inaccurate or incomplete data
- Right to Erasure: Request deletion of your data (subject to legal retention requirements)
- Right to Withdraw Consent: Withdraw consent for data processing (may affect service delivery)
- Right to Grievance Redressal: Lodge a complaint with our Data Protection Officer
- Right to Nominate: Nominate an individual to exercise rights on your behalf in case of death or incapacity
To exercise any of these rights, contact us at legal@classyconstruction.in. We will respond within 30 days of receiving your request.
Third-Party Services
Our platform integrates with regulated third-party services for transaction processing. These include banking APIs, NPCI infrastructure, UIDAI for Aadhaar verification, and payment gateways. Each of these parties has their own privacy policies and data protection standards.
We are not responsible for the privacy practices of third-party websites linked from our platform. We encourage you to review their policies before sharing personal information.
Children's Privacy
Our services are strictly for individuals aged 18 years and above. We do not knowingly collect personal data from minors. If we discover that a user is under 18, their account will be immediately suspended and data deleted. If you believe we have inadvertently collected data from a minor, please contact us immediately.
Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Material changes will be communicated via email and a prominent notice on our platform. We recommend reviewing this page periodically. Continued use of our services after policy updates constitutes acceptance of the revised policy.
Data Protection Contact
For privacy-related queries, data access requests, or to lodge a complaint, contact our Data Protection Officer:
Classy Construction Financial Services
128/85U, Kabeer Nagar, Naubasta,
Kanpur, Uttar Pradesh – 208021
Email: legal@classyconstruction.in
GST: 09RDVPK5320N1ZF
Response Time: Within 30 business days