This Policy explains how FutureHuman Technology Private Limited (“FutureHuman”, “we”, “us”, “our”) collects, uses, discloses, and protects your information when you use aipe.club, the aipe apps, SDKs/APIs, and related services.
1) Who we are & how to contact us
- Data Controller: FutureHuman Technology Private Limited (most processing).
- Website: aipe.club
- Email (privacy): privacy@aipe.club
- Email (grievance): grievance@aipe.club
- Postal: Gurugram (Haryana), India
- Data Protection Officer: dpo@aipe.club
Regulatory note: Use of UPI, RuPay on UPI, CLUPI, e-mandates, and KYC/eSign is subject to Indian laws and NPCI/RBI/UIDAI rules and partner policies. We do not capture or store your UPI PIN.
2) Scope & applicability
Applies when you visit our sites, use the apps, create an account, make/receive payments, set up e-mandates, sign digital MoUs, use Trip & Event, Manage You, Wallets, UPI Credit Line, RuPay card, communicate with us, or participate in surveys, marketing, beta programs, or referrals. Third-party services you access have their own policies.
3) Definitions
- Personal data: info that identifies or can reasonably identify you.
- Sensitive data: financial info, government IDs, KYC docs/photos, precise location, etc.
- Processing: collect, store, use, share, delete, etc.
- Controller/Processor: who decides purposes/means vs. processes on instructions.
4) What we collect & sources
A) You provide
- Identity & contact; KYC/eSign; payments & accounts; cards/credit metadata (no full PAN/CVV); communications; uploads.
B) Automatically
- Device & log data; analytics; rough location (IP); precise location if permitted; cookies/SDKs.
C) From partners
- Banking/payments status; verification/KYC; credit bureaus (for eligibility); contacts you refer/invite.
UPI PIN is captured/validated by bank/NPCI; aipe doesn’t see/store your UPI PIN.
5) Why we use your data
Provide/improve Services; payments over UPI and beyond; trust-layer & legal tools; credit & cards (partners); Trip & Event, Manage You, Wallets; safety/security/fraud; support/comms; analytics/A-B tests; legal compliance; and (where permitted) marketing with controls.
6) Legal bases (where applicable)
India (DPDP), EU/UK (GDPR/UK GDPR), US (CCPA/CPRA) — consent, contract, legitimate interests, legal obligations.
7) App permissions (mobile)
Camera, photos/files, contacts, location, NFC/Bluetooth, and push — only when required and with OS controls. We don’t access mic/call logs/SMS without explicit need and consent (e.g., OTP autofill if offered by OS).
10) International transfers
Data may be processed outside your country with appropriate safeguards (e.g., SCCs), encryption, and access controls.
11) Data retention
Retained as needed for purposes and obligations (e.g., transactions 7–10 years), then minimized/aggregated/anonymized.
12) Your privacy choices & rights
Access/correct/delete, withdraw consent, marketing/cookie controls, device permissions; region-specific rights for India, EU/UK, California; identity verification may be required.
13) Children’s privacy; 14) Security
Not intended for children (India: under 18). We use appropriate technical/organizational measures; no system is 100% secure. Breach notices provided as required by law.
15) Automated decision-making & AI
Some features use automated processing (fraud/risk, insights, reminder timing, partner credit eligibility). We strive for fairness, with human oversight where mandated. We minimize data to any third-party AI services and bind vendors under DPAs.
16) Third-party links & social features
We are not responsible for third-party privacy practices. Review their policies before interacting.
17) Changes to this Policy
We may update this Policy and adjust the “Last updated” date; material changes may include additional notice.
18) Contact us
FutureHuman Technology Private Limited, Registered HQ: Gurugram (Haryana), INDIA — privacy@aipe.club, grievance@aipe.club, DPO: dpo@aipe.club
19) Region-specific addenda
A) EU/EEA & UK (GDPR/UK GDPR)
Controller: FutureHuman (partners may be independent/joint controllers for their processing). Rights per GDPR; SCCs for transfers.
B) India (DPDP Act, 2023)
Rights: access, correction, erasure, consent withdrawal, grievance, nomination; Grievance Officer: grievance@aipe.club.
C) California (CCPA/CPRA)
Categories, purposes, and sharing per sections above. We do not “sell” PI; limited “sharing” for advertising; opt-out available.
20) Quick summary
- We collect only what we need, keep it secure, and follow the law.
- We never store your UPI PIN or full card details.
- We work with regulated partners and trusted vendors bound to protect your data.
- You have rights and controls; questions? privacy@aipe.club.