Privacy Policy
Rutva Multiservices LLP
1. Introduction
Rutva Multiservices LLP (“Rutva Multiservices LLP”, “Company”, “We”, “Our”, “Us”) is a technology-enabled digital platform providing access to financial, utility, payment, business, and facilitation services through its web portal, mobile applications, APIs, and white-label solutions.
This Privacy Policy explains how we collect, use, store, share, and protect user information when you access or use Rutva Multiservices’s services. By accessing or using the Rutva Multiservices LLP platform, you agree to the terms of this Privacy Policy.
2. Applicability
This Privacy Policy applies to all users of the Rutva Multiservices LLP platform, including but not limited to:
- Super Distributors
- Distributors
- Retailers
- Customers
- White Label Partners
- API Partners
- Business & Franchise Partners
3. Information We Collect
3.1 Personal Information
We may collect the following information during registration or service usage:
- Full Name
- Mobile Number & Email Address
- Residential / Business Address
- Date of Birth (where required)
3.2 KYC & Compliance Information
To comply with regulatory requirements, we may collect:
- PAN Card details
- Aadhaar details (masked/encrypted)
- Business documents
- Bank account details
Important: Rutva Multiservices LLP does not store biometric data used for AEPS transactions.
3.3 Transaction Information
- BBPS transaction details
- AEPS / DMT transaction logs
- Credit card & payment references
- Wallet & settlement records
3.4 Technical Information
- IP address
- Device type
- Browser information
- Login activity & timestamps
4. Purpose of Data Collection
User information is collected and used for the following purposes:
- Providing services such as BBPS, AEPS, DMT, Credit Card Payments, UPI, Wallet, Loans, Insurance, Travel, Courier, Visa Facilitation, Solar Services, ATM Franchise, Gift Cards, Prepaid Cards, and allied services.
- User verification and KYC compliance.
- Transaction processing and settlement.
- Customer support and grievance redressal.
- Fraud detection, prevention, and regulatory compliance.
5. BBPS, AEPS & Regulatory Compliance
BBPS and AEPS services offered through Rutva Multiservices LLP are governed by NPCI, RBI, and other applicable regulatory guidelines.
User data is shared only with authorized banks, billers, and payment partners for transaction processing and compliance purposes.
6. Credit Card & Payment Security
Rutva Multiservices LLP does NOT store:
- Credit card numbers
- CVV
- PIN
- OTP
All card and payment transactions are processed through authorized and compliant payment gateways.
7. Data Sharing & Third-Party Disclosure
User information may be shared with:
- Banks & Financial Institutions
- NPCI & BBPS-authorized billers
- API & technology partners
- Insurance, loan & solar partners
- Government or regulatory authorities (if legally required)
Rutva Multiservices LLP does not sell, rent, or trade user data for marketing purposes.
8. Solar, Courier & Facilitation Services Disclaimer
For services such as Solar Solutions, Courier Services, Visa Assistance, and other facilitation services, Rutva Multiservices LLP acts only as a technology platform / facilitator.
Rutva Multiservices LLP does not guarantee approvals, timelines, or outcomes, which are subject to third-party service providers.
9. Fraud Prevention & Monitoring
Rutva Multiservices LLP continuously monitors transactions to prevent fraud and misuse. Any suspicious, abnormal, or fraudulent activity may result in:
10. User Responsibilities
- Maintain confidentiality of login credentials.
- Do not share OTPs, passwords, PINs, or biometric data.
- Ensure transactions are performed with correct details.
Rutva Multiservices LLP shall not be liable for losses caused due to negligence or unauthorized access by the user.
11. Data Retention
User data is retained only for Legal, Regulatory, Accounting, and Business requirements.
After the retention period, data is securely deleted as per industry standards.
12. Security Practices
We follow industry-standard security measures including:
- Encrypted data transmission
- Secure servers
- Restricted access controls
No system is completely secure, and users acknowledge the inherent risks of online transactions.
13. Policy Updates
Rutva Multiservices LLP reserves the right to modify this Privacy Policy at any time. Continued use of the platform after updates constitutes acceptance of the revised policy.
14. Contact Information
For any privacy-related concerns, please contact us at: