Vivi Pay Official Privacy Policy | Your Data is Safe at vivipay.org

Welcome to the official Privacy Policy of Vivi Pay Official, operated at vivipay.org. This privacy policy explains how Vivi Pay Official collects, uses, stores, protects, and shares your personal information when you use our platform, download our app, register an account, or interact with our website.

At Vivi Pay Official, protecting your personal data and ensuring your privacy is a fundamental commitment. We operate as India's trusted C2C (Customer-to-Customer) token trading platform and take full responsibility for how your data is handled on our platform.

By downloading the Vivi Pay app from vivipay.org, registering an account, or using any of our services, you agree to the terms described in this privacy policy. If you do not agree with any part of this policy, please discontinue use of our platform.

Vivi Pay Official collects certain information to provide you with a seamless and secure trading experience. Below is a detailed breakdown of what we collect and why:

2.1 Information You Provide Directly

When you register on the Vivi Pay platform through vivipay.org or our official app, you voluntarily provide:

• Full Name: Required for account creation and identity verification
• Mobile Number: Used for OTP verification, login, and account security
• Email Address (optional): For account notifications and support communication
• UPI ID: Required to receive payments from token buyers (we do NOT store UPI PINs)
• Referral Code: If you joined through a referral link, we record this for commission processing
• Profile Information: Display name and account settings you configure

2.2 Information Collected Automatically

When you use the Vivi Pay app or visit our website, we automatically collect certain technical data:

• Device Information: Device model, operating system version, unique device identifiers
• App Usage Data: Features used, pages visited, session duration, and interaction patterns
• IP Address: Used for security monitoring, fraud prevention, and geo-restriction
• Log Data: Error reports, crash logs, and performance data for app improvement
• Network Information: Type of internet connection (WiFi or mobile data)

2.3 Transaction Data

As a C2C platform, we record transaction-related data to maintain trading records:

• Token trading history (buy/sell orders placed and completed)
• Transaction amounts and timestamps
• UPI transaction reference numbers (for dispute resolution only)
• Trade partner information (limited to transaction context)

Vivi Pay Official uses the information collected for specific, legitimate purposes related to operating our platform. We do NOT use your data for purposes beyond what is described here.

3.1 Specific Uses of Your Data

• Account Creation & Management: To register and maintain your Vivi Pay account
• Trading Facilitation: To match buyers and sellers and process C2C token trades
• Security & Fraud Prevention: To detect unauthorized access, suspicious behavior, and protect all users
• Customer Support: To resolve disputes, answer queries, and assist with account issues
• Platform Improvement: To analyze usage patterns and improve app features and performance
• Notifications: To send important account alerts, security warnings, and trade updates
• Legal Compliance: To comply with applicable Indian laws and regulations

Vivi Pay Official does NOT sell, rent, or trade your personal data to any third party for marketing or commercial purposes. We only share your data in the following limited circumstances:

4.1 Within the Platform (C2C Trading)

As a C2C (peer-to-peer) trading platform, certain minimal information is shared between trading partners during an active trade:

• Your UPI ID is shared with your trade partner so they can send payment
• Your display name is visible to your current trade partner during the transaction
• Transaction amount and status are visible to both parties in the trade

This sharing is limited strictly to the duration of the active trade and is essential for the platform to function.

4.2 Service Providers

We work with trusted technical service providers to operate our platform. These providers are contractually bound to keep your data confidential and use it only for the specific purpose we engage them:

• Cloud hosting and server infrastructure providers
• App crash reporting and performance monitoring tools
• Customer support systems and helpdesk software

4.3 Legal Requirements

We may disclose your information when required to do so by law or in response to valid legal processes, such as:

• Court orders or legal subpoenas from Indian authorities
• Requests from law enforcement agencies in connection with fraud investigations
• Compliance with regulations under the Information Technology Act, 2000
• Protection of rights, property, or safety of Vivi Pay, its users, or the public

4.4 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify users of any such change via our official website and app notification.

Vivi Pay Official implements robust technical and organizational security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

5.1 Technical Security Measures

• Data Encryption: All sensitive data is encrypted in transit using HTTPS/TLS protocols
• Secure Servers: Your data is stored on secured, access-controlled servers
• OTP Verification: All logins require mobile OTP to prevent unauthorized access
• Session Management: Automatic session timeout to protect your account if you forget to log out
• Anomaly Detection: Our systems monitor for unusual login activity and automatically flag suspicious access attempts
• Data Minimization: We store only what is absolutely necessary to operate the platform

5.2 Organizational Security Measures

• Access to user data is restricted to authorized personnel only, on a need-to-know basis
• Internal data handling policies are regularly reviewed and updated
• Any third-party service providers are vetted and bound by data protection agreements
• Security incidents are investigated promptly with user notification when required

5.3 Your Role in Security

While we take every precaution to protect your data, you also play an important role in keeping your account secure:

• Never share your Vivi Pay login password or OTP with anyone — including people claiming to be Vivi Pay support
• Download the Vivi Pay app ONLY from vivipay.org
• Do not use the same password for Vivi Pay as for other apps or services
• Log out of the app on shared or borrowed devices
• Report any suspicious activity immediately via in-app support or our Telegram channel
• Do not click on links claiming to be Vivi Pay sent via WhatsApp, SMS, or email

Vivi Pay Official retains your personal data only for as long as necessary to fulfill the purposes outlined in this privacy policy, or as required by applicable Indian law.

6.1 Retention Periods

• Account Data (name, mobile, UPI ID): Retained for the duration of your active account. Upon account deletion request, deleted within 30 days of verification.
• Trading Transaction Records: Retained for up to 5 years for dispute resolution and legal compliance purposes, in line with standard financial record-keeping requirements under Indian law.
• Log & Technical Data: Retained for up to 90 days for security monitoring and system stability. Automatically purged after this period.
• Support Communication Records: Retained for up to 2 years to track and resolve ongoing or recurring issues.
• Device & Session Data: Session data is deleted immediately upon logout. Device identifiers retained for up to 1 year for security purposes.

6.2 Account Deletion

You may request deletion of your Vivi Pay account and associated personal data at any time by contacting our support team through the in-app support feature or via our official Telegram channel at t.me/+sJLDE3oAZtIyOWU1.

Upon receiving your deletion request, we will:

1. Verify your identity to prevent unauthorized deletion requests
2. Process the deletion of your account and personal data within 30 days
3. Retain transaction records as required by applicable law (up to 5 years)
4. Send you a confirmation once the deletion is complete

The Vivi Pay Official website at vivipay.org uses minimal cookies and local storage to enhance your browsing experience. Our mobile app does not use browser cookies.

7.1 Types of Cookies We Use

• Essential Cookies: Required for the website to function correctly. These cannot be disabled. They include session management and security tokens.
• Functional Cookies: Remember your preferences such as language and display settings for a better experience on return visits.
• Analytics Cookies (if applicable): Help us understand how visitors use our website so we can improve it. No personally identifiable information is collected through analytics.

7.2 Managing Cookies

You can control cookies through your browser settings. However, disabling essential cookies may affect the functionality of the vivipay.org website. Our app does not depend on browser cookies and will function fully regardless of cookie settings.

7.3 Local Storage in Our App

The Vivi Pay mobile app may use local device storage to:

• Cache your session credentials (encrypted) to keep you logged in between sessions
• Store your app preferences and display settings locally on your device
• Temporarily cache trade data for faster loading

This locally stored data remains on your device and can be cleared by clearing the app's cache or uninstalling the app.

As a user of Vivi Pay Official, you have specific rights regarding your personal data. We respect these rights and provide mechanisms for you to exercise them.

8.1 Right to Access

You have the right to request a copy of the personal data we hold about you. Contact our support team via in-app support or our official Telegram channel, and we will provide this information within 30 days of your verified request.

8.2 Right to Correction

If any of your personal information is inaccurate or incomplete, you can update certain information directly within the Vivi Pay app settings. For changes that cannot be made within the app (such as mobile number correction), contact our support team.

8.3 Right to Deletion

You may request deletion of your account and personal data at any time (subject to legal retention requirements for transaction records). See Section 6.2 for the deletion process.

8.4 Right to Data Portability

Upon request, we can provide you with a copy of your personal data in a structured, machine-readable format. This allows you to transfer your data to another service if you wish.

8.5 Right to Restrict Processing

You may request that we restrict the processing of your data in certain circumstances, such as while a data accuracy dispute is being investigated.

8.6 Right to Object

You may object to the processing of your personal data for purposes based on our legitimate interests. We will honour such requests unless we have compelling legitimate grounds for the processing that override your interests.

Vivi Pay Official is strictly intended for users who are 18 years of age or older. We do not knowingly collect personal information from persons under the age of 18.

If you are under 18 years of age, you are not permitted to:

• Register an account on the Vivi Pay platform
• Download or use the Vivi Pay app
• Participate in C2C token trading activities on our platform
• Provide any personal information on our website

If we become aware that we have inadvertently collected personal information from a person under 18, we will take immediate steps to delete such information from our systems. If you are a parent or guardian and believe your child under 18 has registered on our platform, please contact us immediately through our official support channels.

By registering on Vivi Pay, you confirm that you are at least 18 years old and legally competent to enter into agreements under Indian law.

The Vivi Pay Official website and app may contain links to external websites or services (such as our official Telegram channel). These links are provided for your convenience and information.

Please note: Vivi Pay Official has no control over the content, privacy practices, or policies of any third-party websites or services. Our privacy policy applies only to our official platform at vivipay.org and our official mobile application.

We strongly encourage you to review the privacy policies of any third-party services you access through our platform. Vivi Pay Official is not responsible for any data collection, security practices, or privacy violations that occur on third-party platforms.

Official External Links Only:

• Telegram Community: t.me/+sJLDE3oAZtIyOWU1 – Official Vivi Pay Telegram group
• Registration: vivipayhub.com – Official registration portal
• Login: vivipay3.com – Official login portal

Only use these official links. Any other link claiming to be Vivi Pay is unauthorized.

Vivi Pay Official reserves the right to update or modify this Privacy Policy at any time. We may make changes to reflect:

• Updates to our platform features and data processing activities
• Changes in applicable Indian laws and regulations regarding data protection
• Improvements in our security and privacy practices
• Feedback from our users and privacy experts

When we make significant changes to this Privacy Policy, we will:

1. Update the "Last Updated" date at the top of this page
2. Post a notification within the Vivi Pay app informing users of the changes
3. Where required by law, seek your renewed consent for material changes

Your continued use of the Vivi Pay platform after any changes to this Privacy Policy constitutes your acceptance of the revised policy. We encourage you to review this page periodically. The current version is always available at vivipay.org/privacy-policy.html.

This Privacy Policy is governed by and construed in accordance with the laws of India, including but not limited to:

• The Information Technology Act, 2000 (and subsequent amendments)
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• The Digital Personal Data Protection Act, 2023 (DPDPA) and guidelines issued thereunder
• Any other applicable Indian regulations pertaining to data protection and privacy

Any disputes arising from or related to this Privacy Policy or our data handling practices shall be subject to the exclusive jurisdiction of the competent courts located in Nagpur, Maharashtra, India.

Vivi Pay Official is based in Nagpur, Maharashtra, India. Our platform primarily serves users within India and is designed to comply with Indian data protection requirements.