Privacy Policy

Last updated: 31 March 2026

1. Introduction

UPAYI.CO ("we", "our", "us") is a product of ESS ENN Associates. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website at upayi.co and our payment collection services (collectively, the "Service").

By using the Service, you consent to the practices described in this policy. If you do not agree, please discontinue use of the Service.

2. Information We Collect

We collect the following categories of information:

• Account Information: Your UPI handle, UPI-linked phone number, and email address — provided by you during setup.
• Waitlist Information: Email address submitted via our waitlist form.
• Usage Data: Browser type, device information, IP address, pages visited, time spent, and interaction patterns — collected automatically via cookies and analytics tools.
• Communication Data: Any information you provide when contacting us via email or other channels.

We do not collect, store, or process any payment or banking information. All UPI transactions occur directly between the payer and the payment collector through the UPI network. UPAYI.CO does not hold, route, or process any payments.

3. How We Use Your Information

We use collected information to:

• Provide, maintain, and improve the Service
• Generate your payment widget and shareable payment link
• Send payment notifications and service updates
• Communicate with you about your account and the waitlist
• Analyse usage patterns to improve the user experience
• Comply with legal obligations

4. Analytics & Cookies

We use Google Analytics (GA4, property ID: G-6GF7M3RHL6) to understand how visitors interact with our website. Google Analytics collects anonymised usage data including pages visited, session duration, and referral sources. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

We use Formspree to process waitlist form submissions. Formspree's privacy policy applies to data submitted through our forms.

5. Data Sharing

We do not sell, trade, or rent your personal information. We may share information with:

• Service Providers: Third-party tools (Google Analytics, Formspree) that help us operate the Service, bound by their own privacy policies.
• Legal Requirements: When required by law, court order, or government request.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with prior notice.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Waitlist data is retained until the Service launches and you are onboarded. You may request deletion of your data at any time by contacting us.

8. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Withdraw consent for data processing
• Lodge a complaint with a data protection authority

To exercise these rights, contact us at the email address listed below.

9. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the Service after changes constitutes acceptance of the revised policy.

11. Contact Us

For any questions or concerns about this Privacy Policy or your data, contact:

ESS ENN Associates
Email: privacy@upayi.co
Website: essenn.associates