PRIVACY POLICY

SEVA NITI PLATFORM
Effective Date: 15 April 2026

1. INTRODUCTION

This Privacy Policy explains how Seva Tech Ltd. / Xeva Fintech Pvt. Ltd. (“Seva”) collects, uses, processes, and shares personal data of users (“Users” or “Data Principals”) on the Seva Niti Platform. This Policy is issued in compliance with the Digital Personal Data Protection Act, 2023 (“DPDP Act”).

2. ROLE OF SEVA

Seva acts as the Data Fiduciary, determining the purpose and means of processing personal data. Certain partners (including card issuers, insurers, and service providers) may act as: Data Processors, or Independent Data Fiduciaries for regulatory purposes

3. PERSONAL DATA WE COLLECT

We may collect the following categories of personal data:

3.1 Identity and Contact Data

• Name
• Mobile number
• Address
• Date of birth

3.2 KYC Data

• Aadhaar / PAN (where applicable)
• Identity verification details
• Photograph

3.3 Card and Transaction Data

• Card usage details
• Merchant transactions
• Balance and usage patterns

3.4 Benefit and Service Data

• Healthcare benefit usage
• Insurance enrolment and claims data
• Agriculture-related purchases or benefits

3.5 Support and Communication Data

• Grievances and support requests
• Communication records

4. PURPOSES OF PROCESSING

Your data is processed only for the following purposes:

1. Card issuance and operation
2. Healthcare cashback and benefits (Qube Health)
3. Agricultural discounts (AgriBegri)
4. Insurance services (Care Health Insurance, New India Assurance)
5. Customer support and grievance handling
6. Fraud prevention and legal compliance
We do not process your data for unrelated purposes.

5. SHARING OF PERSONAL DATA

Your data may be shared with:

• Card issuer and payment network
• Healthcare partners (e.g., Qube Health)
• Agriculture partners (e.g., AgriBegri)
• Insurance providers
• Regulatory authorities where required

Important:

• Only minimum necessary data is shared
• Data is shared only for the stated purpose
• We do not sell personal data

6. CONSENT

We process your personal data based on your free, informed, and specific consent, except
where processing is required by law.
You may:

• Withdraw consent for non-essential services
• Continue using core card functionality (subject to regulatory requirements)

7. DATA RETENTION

We retain personal data:

• For as long as required to fulfil the stated purpose
• As required by applicable law (including RBI and insurance regulations)
• For fraud prevention and audit purposes

8. YOUR RIGHTS

You have the right to:

• Access your data
• Correct inaccurate data
• Request deletion (subject to legal limits)
• Withdraw consent
• Raise grievancesDetails are available in the Data Principal Rights Notice.

9. SECURITY

We implement reasonable technical and organisational safeguards to protect your personal data from unauthorised access, loss, or misuse.

10. DATA SHARING WITH THIRD PARTIES

Third parties receiving your data:

• Are bound to use it only for specified purposes
• Are required to maintain appropriate security safeguards

11. CHILDREN’S DATA

We do not knowingly process data of individuals below 18 years unless:

• Permitted under a specific program
• With verifiable guardian consent

12. UPDATES TO THIS POLICY

This Policy may be updated from time to time. The latest version will be available on the Platform.

13. COOKIES 

13.1 

The Company uses cookies and/or other tracking technologies to distinguish you from other users of the services and to remember your preferences on the Platform. This helps the Company to provide you with a good experience when you use the services on the Platform and also allows the Company to improve such services. Cookies are text files the Company places in your mobile phone, tablet or other devices to store your preferences. Cookies, by themselves, do not tell the Company your e-mail address or other personally identifiable information unless you choose to provide this information to the Company. They are designed to hold a marginal amount of data specific to a particular user. However, once you choose to furnish the Platform with personally identifiable information, this information may be linked to the data stored in the cookie. The Company uses cookies to understand Platform usage and to improve the content and offerings on the Platform. The Company may also use cookies to offer you programs or services. Cookies may be placed on the Platform by third-parties as well, the use of which the Company does not control.

13.2 

Session cookies are automatically deleted from your hard drive once a session ends, and most cookies are session cookies. You may decline the cookies, however, if you decline the cookies, you may be unable to use certain features on the Platform and you may be required to re-enter your password frequently. You may opt to leave the cookie turned on. 

13. CONTACT AND GRIEVANCE

• GRIEVANCE REDRESSAL MECHANISM

For registering your concerns, complaint or grievances, please write to the below mentioned designated officer of the Company at the below-mentioned email address in relation to any violation of this Privacy Policy or the applicable laws. The designated officer shall redress the concerns, complaint or grievances in accordance with the applicable laws.

Name: Sakshi Mahajan 

Address: Floor no.2, Plot 264/265,Vaswani Chambers, Dr, A. B. RD, Worli Colony, Mumbai- 400030 

Mobile No: +919821353812 

Email: sakshi@sevamoney.com

 

• CONTACT DETAILS

If you have questions or concerns about this Privacy Policy, please contact the Company on the below mentioned: 

Email : support@sevamoney.com

Phone : 180 0268 8999