Last updated: August 2026

User trust and data security are core to our business. AJMONEY is a product and brand of Amrut Jivan Technologies Private Limited (hereinafter referred to as the "Company", "AJMONEY", "we", "us", or "our"). This Privacy Policy explains how we collect, use, protect, and disclose information when you use the AJMONEY website, mobile application, and related services including CMS, AEPS, BBPS, QR payments, recharge, Micro ATM, PAN Card, travel booking, and POS solutions (collectively, the "Services").

By accessing or using our Services, you agree that you have read, understood, and accepted this Policy. If you do not agree, please do not use our Services. In this Policy, references to "you" or "User" mean any person accessing our website, app, or Services.

1. Our Commitment to Privacy

We consider user data among our most important assets. Our privacy and security practices are designed to guard against unauthorized access, misuse, and identity theft, and to protect user profiles and transactional history. We regularly review and update our policies to meet applicable data security standards and address new challenges.

We do not sell, rent, or lease your personal information or transactional history to third parties for revenue generation or profit-making activities.

2. Information We Collect

Registration Information: When you register or use our Services, we may collect information such as your name, mobile number, email address, business details, KYC documents, device information, and fraud-prevention data elements including Device ID for authentication and location coordinates for transaction validation, where permitted by law and required for service delivery.

Transaction Information: We record payment and service transaction details, billing updates, account activity, and usage of valid, self-owned payment instruments as required to operate the AJMONEY platform.

Technical & Navigational Information: When you visit www.ajmoney.in or use our app, we may collect browser type, IP address, pages visited, session duration, device type, and similar technical data to improve platform performance, resolve compatibility issues, and enhance user experience.

3. How We Use Your Information

We use collected information to:

  • Provide, operate, and improve our Services;
  • Authenticate users and prevent fraud or unauthorized access;
  • Analyze usage patterns to offer a better user experience;
  • Send service-related communications, alerts, and updates;
  • Comply with legal, regulatory, and contractual obligations;
  • Respond to support requests and resolve disputes.

Registration data stored by us is treated as confidential and is used primarily to improve service delivery and platform security.

4. Sharing of Information

We may share a basic profile (such as mobile number and name) with authorized communication agencies appointed by us to send SMS, email, or other service-related messages regarding our activities and initiatives. Such parties are required to keep personally identifiable information confidential and must not initiate unsolicited communication.

We may use third-party service providers to analyze online activity, measure campaign performance, or optimize our platform. These providers may use cookies and similar technologies but are not permitted to collect personally identifiable information on our behalf beyond what is necessary for their services. They must comply with this Policy.

Information may also be processed by Amrut Jivan Technologies Private Limited, as the owner of AJMONEY, and by banks, NPCI, BBPS, telecom operators, and other service providers strictly as required to complete a transaction.

Legal Disclosure: Notwithstanding the above, we reserve the right to disclose registration or account information when we determine, in our sole discretion, that disclosure is necessary to identify, contact, or bring legal action against a user, or when required by applicable law, court order, regulatory authority, or government request.

5. Data Retention & Account Deletion

Your data belongs to you. You may request deletion of your account at any time. Upon verified request, your data will be permanently removed from our primary production servers and further access to your account will not be possible. We will disconnect any linked account integrations promptly.

Portions of aggregate or anonymized data derived from account information may remain on production or backup systems for legal, audit, security, or business continuity purposes. Backup data may be retained on secure backup media to ensure continued service availability in the event of system failure. Transaction records required by law or banking partners may be retained for the statutory period even after account deletion.

6. Cookies & Analytics

We use cookies and web beacons to analyze site usage and improve the Services. Cookies are small text files stored by your browser that help us remember preferences and understand how users interact with our platform. You may control cookie settings through your browser; however, disabling cookies may affect certain features of the Services.

7. Communications & Newsletters

We may send promotional or informational communications only where permitted and, where required, based on your consent or subscription preferences. You may opt out of promotional newsletters by contacting us at info@amrutjivantech.com. Service-related communications necessary for account security, transactions, or compliance may continue even if you opt out of marketing messages.

By using our Services, you acknowledge that the Company may communicate with you through voice, SMS, email, digital, video, or other modes as deemed appropriate for service delivery.

8. Data Security

Your account information is accessible only through your registered credentials. We use a combination of firewalls, encryption, authentication procedures, access controls, and monitoring to protect online sessions and systems from unauthorized access.

Our infrastructure is hosted in secure facilities with restricted access. Registration and account information is stored in encrypted databases. Backup drives and media are encrypted using separate keys. We continuously evaluate our security controls to reduce risk of data breach or misuse.

9. Website & App Usage

The AJMONEY website and app are internet and mobile-based payment platforms owned and operated by Amrut Jivan Technologies Private Limited, a company incorporated under the laws of India. Use of the platform is offered subject to acceptance of our terms, policies, and notices as updated from time to time on www.ajmoney.in.

We reserve the right to refuse registration or discontinue access to any user without assigning reason. Unless otherwise stated, our products and Services are provided on an "as is" basis without warranties of any kind, whether express or implied, including implied warranties of merchantability or fitness for a particular purpose.

For Partner-specific terms governing Retailers, Distributors, and Super Distributors, please refer to our Terms & Conditions. For refunds and failed transactions, see our Refund Policy. Related company policies are also available on amrutjivantech.com.

10. User Conduct

You agree to use the website, app, and Services lawfully and responsibly. You shall not:

  • Reverse engineer, copy, distribute, or commercially exploit platform content without authorization;
  • Upload unlawful, abusive, defamatory, obscene, infringing, or harmful material;
  • Harass others, distribute malware, or attempt unauthorized access to systems or accounts;
  • Violate applicable laws, platform guidelines, or the rights of others;
  • Make derogatory or false statements about the Company, its associates, or partners.

We reserve the right to suspend or terminate accounts, restrict payment options, or cancel orders if user conduct violates applicable law or is harmful to our interests.

11. Intellectual Property

Unless otherwise stated, all materials on our website and app—including copyrights, trademarks, logos, software, text, graphics, databases, and hyperlinks—are owned by Amrut Jivan Technologies Private Limited or licensed to us. All rights not expressly granted are reserved.

You may not reproduce, distribute, or use Company or AJMONEY content without prior written authorization. You retain ownership of content you lawfully upload, but grant us a limited license to use such content as required to provide the Services.

12. Disclaimer & Limitation of Liability

While we endeavor to keep information on our platform accurate and up to date, we do not warrant completeness, quality, or accuracy of all data, information, products, or Services. To the fullest extent permitted by law, Amrut Jivan Technologies Private Limited and AJMONEY shall not be liable for direct, indirect, incidental, special, consequential, or punitive damages arising from use or inability to use the Services, unauthorized access, delays, maintenance downtime, or technical failures beyond our reasonable control.

Any material downloaded or obtained through the platform is at your own discretion and risk. You are solely responsible for damage to your systems or loss of data resulting from such use.

13. Indemnification

You agree to indemnify, defend, and hold harmless Amrut Jivan Technologies Private Limited, AJMONEY, its affiliates, officers, directors, employees, and partners from any losses, claims, damages, costs, and expenses (including reasonable legal fees) arising from your breach of this Policy, misuse of the Services, violation of law, or infringement of third-party rights.

14. Changes to This Policy

We may update this Privacy Policy from time to time. Revised versions published on our website shall be effective upon posting. Your continued use of the Services after changes are posted constitutes acceptance of the updated Policy. We encourage you to review this page periodically at https://www.ajmoney.in/privacy-policy.html.

15. Contact Us

If you have questions, comments, concerns, or feedback regarding this Privacy Policy, or wish to request account deletion or data-related assistance, please contact us:

By using AJMONEY and this website, you confirm that you have read and understood this Privacy Policy and agree to its terms.