Privacy Policy

Effective Date: 26 August 2026
Last Updated: 26 August 2026

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED (“HMD Finco”, “Company”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, process, store, disclose, and protect personal information when you visit or use https://hmdfinco.com/ (the “Website”), communicate with us, submit an enquiry, or otherwise interact with our products and services.

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED is a company incorporated under the Companies Act, 2013.

Corporate Identity Number (CIN): U66190RJ2026PTC111030
Date of Incorporation: 28 January 2026
Registered/Mailing Address: Plot No. 781, II FLR, Arihand Plaza, Shastri Nag, Kota, Rajasthan – 324009, India

The above corporate details are based on the Company’s Certificate of Incorporation issued by the Ministry of Corporate Affairs, Government of India.

1. Scope of This Privacy Policy

This Privacy Policy applies to personal information collected through:

Our Website at https://hmdfinco.com/
Contact and enquiry forms
Business communications with us
Customer, merchant, partner, or service-provider interactions
Email, telephone, and other communications with HMD Finco
Other online or offline interactions where this Privacy Policy is referenced

This Privacy Policy does not necessarily apply to third-party websites, applications, payment services, banks, payment aggregators, or other platforms that may be accessed through or in connection with our services. Those parties are responsible for their own privacy practices.

2. Information We Collect

We may collect information that you voluntarily provide to us and information that is automatically collected when you use our Website.

2.1 Information You Provide

Depending on how you interact with us, we may collect:

Full name
Company or business name
Email address
Telephone or mobile number
Business address
Communication address
Information provided through enquiry or contact forms
Information contained in emails or other correspondence
Information required to evaluate business partnerships or service enquiries
Any other information you voluntarily provide to us

We aim to collect only information that is reasonably necessary for the relevant purpose.

2.2 Automatically Collected Information

When you access our Website, certain technical information may be collected automatically, including:

IP address
Browser type and version
Device type
Operating system
Date and time of access
Pages visited
Referring website or source
Website interaction information
Technical and diagnostic information
General location information derived from technical data

This information may be collected through server logs, cookies, analytics tools, and similar technologies.

3. How We Use Your Information

We may use personal information for the following purposes:

3.1 To Provide and Manage Our Services

We may use information to:

Respond to enquiries and requests
Communicate with prospective customers, merchants, partners, and service providers
Evaluate business and partnership opportunities
Provide information about our products and services
Provide customer or business support
Manage our business relationships
Communicate regarding agreements, services, or transactions

3.2 Website and Business Operations

We may use information to:

Operate and maintain our Website
Improve Website functionality and user experience
Analyse Website usage
Monitor Website performance
Troubleshoot technical problems
Maintain security
Detect and prevent fraud, abuse, unauthorised activity, or security incidents
Maintain internal records
Comply with applicable legal and regulatory requirements

3.3 Communications and Marketing

Where permitted by applicable law, we may use your contact information to communicate with you regarding:

Our products and services
Business announcements
Service updates
Product updates
Events
Offers
Marketing communications

You may opt out of promotional communications at any time by following the unsubscribe instructions provided in the communication or by contacting us.

4. Payment and Financial Information

HMD Finco provides technology and payment infrastructure services and may work with partner banks, payment aggregators, technology providers, and other regulated or authorised entities as applicable.

HMD Finco does not itself hold or handle customer funds merely by virtue of providing its technology or infrastructure services.

Where payment processing is provided through a partner bank, payment aggregator, payment gateway, or other third-party service provider, the relevant payment provider may independently collect and process payment-related information.

Such third parties may have their own privacy policies and terms governing the collection and processing of payment information.

Where applicable, payment-related information may include:

Transaction reference information
Payment status
Merchant information
Customer or payer information
Bank or payment-method information
Other information necessary to process or reconcile a transaction

We do not request or require users to provide complete payment-card credentials through ordinary Website enquiry forms.

5. Legal Basis and Lawful Processing

We process personal information only for lawful purposes and in accordance with applicable laws and regulations.

Depending on the circumstances, processing may be based on:

Your consent
Your request for products, services, information, or communication
Performance or preparation of a contract
Compliance with legal or regulatory obligations
Legitimate business purposes where permitted by applicable law
Prevention, detection, and investigation of fraud or security incidents
Other lawful purposes permitted under applicable law

Where processing is based on consent, you may withdraw your consent subject to applicable law and any consequences associated with such withdrawal.

6. Cookies and Similar Technologies

Our Website may use cookies and similar technologies to provide functionality, understand Website usage, improve performance, and support analytics.

Cookies may be used for purposes such as:

Essential Website functionality
Security
Remembering preferences
Website analytics
Performance monitoring
Understanding Website traffic
Improving user experience
Marketing or advertising, where applicable

You may control or disable cookies through your browser settings. Certain Website functionality may not operate correctly if essential cookies are disabled.

Where required by applicable law, we will obtain appropriate consent before placing or using non-essential cookies.

7. Analytics

We may use analytics and performance-monitoring services to understand how visitors interact with our Website.

These services may collect technical and usage information such as:

Pages visited
Session information
Browser and device information
Traffic sources
Approximate location
Website interactions
Performance information

Analytics providers may process information according to their own terms and privacy policies.

8. How We Share Personal Information

We do not sell your personal information for monetary consideration.

We may share personal information where reasonably necessary to operate our business, provide our services, comply with legal requirements, or protect our rights.

Information may be shared with:

Partner banks
Payment aggregators and payment service providers
Technology and infrastructure providers
Hosting providers
Cloud service providers
IT and security providers
Communication and email service providers
Customer relationship management providers
Analytics providers
Professional advisers
Auditors and consultants
Legal advisers
Government authorities and regulatory bodies where required
Law-enforcement agencies where legally required
Other service providers acting on our behalf

We seek to ensure that third-party service providers handling personal information on our behalf maintain appropriate confidentiality and security safeguards.

9. Third-Party Services

Our Website and services may interact with third-party services, including payment infrastructure providers, technology providers, banks, payment aggregators, analytics providers, communication platforms, and other service providers.

Third parties may independently collect and process information according to their own privacy policies.

HMD Finco is not responsible for the privacy practices of third-party websites or services that are not controlled by us.

We encourage you to review the privacy policy and terms of any third-party service before providing personal information to that service.

10. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

Providing services
Managing business relationships
Maintaining transaction and business records
Responding to enquiries
Meeting contractual obligations
Complying with legal, accounting, tax, regulatory, or reporting requirements
Resolving disputes
Preventing fraud and security incidents
Establishing, exercising, or defending legal claims

When personal information is no longer required, we may securely delete, anonymise, or otherwise dispose of it in accordance with applicable law and our internal procedures.

11. Data Security

We take reasonable technical and organisational measures to protect personal information against unauthorised access, misuse, loss, alteration, disclosure, or destruction.

Depending on the circumstances, safeguards may include:

Access controls
Authentication mechanisms
Encryption or secure transmission technologies
Secure hosting and infrastructure
Monitoring and logging
Security controls
Backups
Internal access restrictions

However, no electronic transmission or storage system can be guaranteed to be completely secure. Accordingly, while we take reasonable precautions, we cannot guarantee absolute security of information transmitted to or stored by us.

12. Personal Data Breaches

If we become aware of a personal data breach affecting information under our control, we will take reasonable and appropriate steps to investigate, contain, mitigate, and remediate the incident.

Where notification is required under applicable law, we will notify affected individuals and/or relevant authorities within the applicable legal timeframe.

13. Your Privacy Rights

Subject to applicable law, you may have rights concerning your personal information, including:

The right to request information regarding processing of your personal information
The right to request correction of inaccurate or incomplete information
The right to request deletion of personal information where legally applicable
The right to withdraw consent where processing is based on consent
The right to raise a grievance or complaint
Other rights available under applicable data protection laws

Requests should be submitted using the contact details provided in the Contact Us section.

We may need to verify your identity before processing certain requests.

Where a request cannot be fulfilled because of a legal, regulatory, contractual, or other permitted reason, we may explain the applicable reason to the extent permitted by law.

14. Withdrawal of Consent

Where we process your personal information based on consent, you may withdraw your consent by contacting us.

Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

Please note that withdrawing consent may affect our ability to provide certain services or respond to certain requests where the information is necessary for that purpose.

15. Children’s Privacy

Our Website is not intended to knowingly collect personal information from children.

We do not knowingly solicit personal information from children except where permitted under applicable law and with appropriate consent or authorisation.

If you believe that a child has provided personal information to us without appropriate authorisation, please contact us so that we can take appropriate steps.

16. International Data Transfers

Some technology, hosting, cloud, analytics, communication, or other service providers used by us may operate from locations outside India.

Where personal information is transferred or processed outside India, we will take reasonable steps to ensure that such processing is carried out in accordance with applicable law and appropriate safeguards.

17. Third-Party Links

Our Website may contain links to third-party websites, applications, social media platforms, or other online services.

These third-party services are not controlled by HMD Finco.

We are not responsible for the privacy, security, content, or practices of third-party websites or services.

You should review their respective privacy policies before providing personal information.

18. Marketing Communications

Where permitted by applicable law, we may send you communications relating to our products, services, announcements, or business activities.

You may unsubscribe from promotional communications at any time by:

Using the unsubscribe option included in the relevant communication; or
Contacting us using the details provided below.

Even if you opt out of promotional communications, we may continue to send essential communications relating to services, transactions, security, legal matters, or other necessary business communications.

19. Business Transfers

If HMD Finco undergoes or participates in a merger, acquisition, restructuring, financing, sale of assets, reorganisation, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

Where required, appropriate notice or consent will be provided.

20. Disclosure Required by Law

We may disclose personal information when we reasonably believe that disclosure is necessary to:

Comply with applicable law
Respond to lawful requests from government or regulatory authorities
Comply with court orders or legal processes
Protect the rights, property, or safety of HMD Finco
Protect users or other individuals
Investigate fraud, misuse, or security incidents
Enforce our agreements, policies, or terms
Establish, exercise, or defend legal claims

21. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our:

Business operations
Products and services
Data-processing practices
Technology
Security practices
Legal or regulatory requirements

When we make material changes, we may update the “Last Updated” date and provide additional notice where appropriate.

We recommend reviewing this Privacy Policy periodically.

22. Contact Us

If you have any questions, requests, concerns, or complaints regarding this Privacy Policy or the processing of your personal information, please contact us.

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED

CIN: U66190RJ2026PTC111030

Registered/Mailing Address:
Plot No. 781, II FLR, Arihand Plaza, Shastri Nag, Kota, Rajasthan – 324009, India

Website:
https://hmdfinco.com/

Email:
info@hmdfinco.com

Support Email:
support@hmdfinco.com

Phone:
+91 96029 53411

Privacy / Grievance Contact

For privacy-related requests and grievances, you may contact us at:

Email: info@hmdfinco.com
Phone: +91 96029 53411

We will review and respond to privacy-related requests and grievances in accordance with applicable law.

23. Governing Law

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, disputes relating to this Privacy Policy shall be subject to the jurisdiction of the competent courts in Kota, Rajasthan, India.

24. Acknowledgement

By accessing or using our Website, you acknowledge that you have read and understood this Privacy Policy.

Where applicable law requires specific consent for a particular processing activity, such consent will be obtained separately.