PRIVACY POLICY

Effective Date: 28 May 2026

APEXAXIS INDIA PRIVATE LIMITED (“Company”, “we”, “our”, or “us”), operating under the brand name “Zylope”, respects your privacy and is committed to protecting your personal information in accordance with applicable Indian laws, RBI guidelines, NPCI regulations, and industry best practices.

This Privacy Policy explains how we collect, use, store, process, and protect user information when using Zylope services, including BBPS, recharge, loan co-branding, RC verification, and related fintech services.

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1. COMPANY INFORMATION

Company Name: APEXAXIS INDIA PRIVATE LIMITED

Brand Name: Zylope

CIN: U82990BR2024PTC070216

Registered Office Address:
A 05 2nd Floor, Lav Kush Tower,
Kadamkuan, Bank Road, Patna,
Phulwari, Bihar, India – 800001

Website: www.zylope.com

Customer Support: care@zylope.com

Grievance Officer: grievance@zylope.com

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2. INFORMATION WE COLLECT

We may collect the following information from users:

Personal Information

• Full Name
• Mobile Number
• Email Address
• Date of Birth
• Address
• PAN/Aadhaar (where legally required)

Financial Information

• Bank Account Details
• UPI ID
• Transaction Information
• Payment Records

Technical Information

• IP Address
• Device Information
• Browser Type
• App Usage Data
• Cookies & Analytics Data

KYC & Verification Information

For certain regulated services, we may collect KYC documents and verification information in accordance with RBI and AML regulations.

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3. PURPOSE OF DATA COLLECTION

Your information may be used for:

• Processing recharge and bill payment transactions
• BBPS service facilitation
• Loan and financial service applications
• User authentication and fraud prevention
• KYC verification
• Customer support
• Regulatory compliance
• Service improvement and analytics
• Risk monitoring and security

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4. DATA SHARING & DISCLOSURE

We may share user information with:

• Banking Partners
• NBFC/Lending Partners
• NPCI/BBPS Ecosystem Participants
• Payment Service Providers
• Telecom Operators
• Government or Regulatory Authorities when legally required

Current disclosed lending/financial partner:

• Faircent

We do not sell personal information to third parties.

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5. USER CONSENT

By accessing or using Zylope services, users provide consent for:

• Data collection
• Verification
• Processing
• Sharing with regulated partners where necessary for service delivery and compliance

Users may withdraw consent for certain optional services, subject to regulatory obligations.

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6. DATA SECURITY

We implement reasonable technical and organizational safeguards including:

• SSL Encryption
• Secure APIs
• Access Controls
• Transaction Monitoring
• Fraud Detection Mechanisms

While we strive to protect user data, no electronic transmission or storage system is completely secure.

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7. DATA RETENTION

We retain user information:

• As required under RBI/NPCI guidelines
• For legal, audit, and compliance purposes
• For fraud prevention and dispute resolution

Data may be retained even after account closure where legally required.

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8. COOKIES & TRACKING

Zylope may use cookies and similar technologies to:

• Improve user experience
• Maintain login sessions
• Analyze traffic and usage
• Enhance security

Users may manage cookie preferences through browser settings.

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9. USER RIGHTS

Users may request:

• Access to personal information
• Correction of inaccurate information
• Deletion of information where legally permissible

Requests may be submitted to: care@zylope.com

Certain information may be retained where required by law or regulatory obligations.

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10. THIRD-PARTY SERVICES

Certain services are operated through regulated partners, banks, NBFCs, telecom operators, and payment infrastructure providers.

We are not responsible for the privacy practices of third-party websites or partner platforms.

Users are encouraged to review partner privacy policies separately.

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11. CHILDREN’S PRIVACY

Zylope services are not intended for individuals under 18 years of age.

We do not knowingly collect information from minors without legal authorization.

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12. REGULATORY COMPLIANCE

This Privacy Policy is designed in alignment with:

• RBI Guidelines
• NPCI Regulations
• BBPS Operational Standards
• IT Act, 2000
• AML & KYC Compliance Requirements
• Applicable Indian Data Protection Principles

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13. POLICY CHANGES

We reserve the right to update this Privacy Policy periodically.

Updated policies will be published on our website with revised effective dates.

Continued use of services constitutes acceptance of updated terms.

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14. CONTACT DETAILS

Customer Support:
care@zylope.com

Grievance Officer:
grievance@zylope.com

Website:
www.zylope.com

© APEXAXIS INDIA PRIVATE LIMITED. All Rights Reserved.