Our online bill payment solution is committed to safeguarding user information through a well-defined data retention policy. This policy outlines how we collect, store, retain, and delete user data to ensure compliance with regulatory requirements, maintain security, and provide transparency.

1. Purpose of Data Retention

We retain user data to:

1. 1. Process payments efficiently.
2. 2. Provide customer support and resolve disputes.
3. 3. Comply with legal, tax, and regulatory obligations.
4. 4. Improve our services and maintain operational records.

2. Types of Data Collected and Retained

We may collect and retain the following data types:

1. Personal Information: Name, email address, phone number, and other account details.
2. Payment Data: Transaction details, payment history, and billing records.
3. Technical Data: IP address, device information, and usage logs.
4. Communication Records: Support interactions via email, chat, or phone.

3. Retention Periods

Data retention periods are determined based on the type of data and applicable legal or business requirements:

1. Transaction Data: Retained for 7 years to comply with financial regulations.
2. Personal Account Information: Retained as long as the account is active or as required by law.
3. Technical and Usage Logs: Retained for up to 12 months to enhance system performance and ensure security.
4. Customer Support Records: Retained for 3 years for quality assurance and dispute resolution.

4. Data Protection Measures

To protect retained data, we implement:

1. Advanced encryption for sensitive information.
2. Regular security audits and vulnerability assessments.
3. Controlled access to data, limited to authorized personnel only.

5. Data Deletion Policy

Once the retention period expires, we ensure data is securely deleted or anonymized. This includes:

1. Permanent deletion of digital records from our servers.
2. Secure disposal of any physical records containing user data.
3. Anonymizing data to retain insights without compromising privacy.

6. User Rights

Users have the right to:

1. Request access to their data.
2. Correct inaccurate information.
3. Request the deletion of their data, subject to legal and regulatory obligations.

7. Compliance and Transparency

Our data retention practices comply with relevant laws, including data protection regulations such as GDPR, CCPA, and local financial standards. We ensure full transparency about how long data is stored and for what purposes.

8. Policy Updates

This policy may be updated periodically to reflect changes in laws, regulations, or business practices. Users will be notified of significant updates through our website or via email support@justfashion.in

By adhering to this data retention policy, we strive to balance operational needs with the privacy and security of our users, ensuring trust and compliance at every step.