1. Introduction At ETTMOSS SERVICES SOLUTION PRIVATE LIMITED, we value your privacy. This Privacy Policy describes how we collect, use, and safeguard the information you provide while using EssPay Smart Business. By using our application or website, you consent to the collection and use of your data as described here. 2. Information We Collect Personal Information Name, Email ID, Mobile Number Business Details (Name, Address, GST Number, etc.) Payment and Transaction Information Uploaded KYC Documents (if applicable) Device Information Device model, OS version, IMEI (masked), IP address Network operator, SIM details (for fraud prevention) Permissions Accessed EssPay requires limited permissions to function properly: Camera: Capture receipts, bills, or documents. Storage: Save and retrieve invoices and reports. Contacts: Identify and connect business partners already using EssPay. Location: Verify business location for KYC and fraud prevention. SMS: Auto-read business transaction messages (no personal or OTP SMS). Call Logs: Validate business number via missed call verification. 3. How We Use the Information To provide and improve billing and business management features. To sync and back up your business data securely. To generate reports and analytics for your business. To detect and prevent fraudulent activity. To communicate important product updates and support messages. EssPay does not sell or rent your data to any third parties. 4. Data Storage & Security Your data is securely stored on encrypted cloud servers located in India. We use: SSL/HTTPS encryption Firewalls & access controls Continuous security monitoring While we follow best security practices, no system is entirely immune to risk. Users are encouraged to maintain backup copies of their data. 5. Data Retention & Deletion EssPay retains user data as long as the account remains active. You can request data or account deletion at any time by writing to care@esspay.in . Once verified, data will be deleted from our servers within 30 business days. 6. Cookies Our website uses cookies for session management and personalization. You can disable cookies from browser settings, though some features may not function properly. 7. Third-Party Integrations We may use trusted third-party services for analytics, cloud hosting, SMS, or payments. Each third party adheres to strict data privacy and security protocols. 8. Promotional Communication By using EssPay, you agree to receive service updates, promotional emails, or SMS notifications. You may opt out anytime by contacting smartbusiness@esspay.in . 9. User Rights You have the right to: Access your stored data. Request correction or deletion of information. Withdraw consent for marketing communication. 10. Changes to Privacy Policy We may revise this Privacy Policy from time to time. Updated versions will be available at www.esspay.in/privacy-policy . Continued use of the application implies acceptance of any revisions.