Data Security

At GraamPay, a product of Viyona Fintech India Private Limited (“Viyona Fintech,” “we,” “us,” or “our”), safeguarding your data is a cornerstone of our operations. This Data Security Policy outlines the measures we take to protect your personal and financial information from unauthorized access, loss, or misuse. By using GraamPay, you acknowledge and agree to these practices.

1. Commitment to Security
   We are committed to implementing industry-leading practices to ensure the confidentiality, integrity, and availability of your data. Our systems are designed to detect and mitigate risks proactively.
2. Encryption
   • Data in Transit: All sensitive data transmitted between your device and our servers is encrypted using Secure Socket Layer (SSL) and Transport Layer Security (TLS) protocols.
   • Data at Rest: Information stored in our systems is encrypted using advanced encryption standards (AES).
3. Access Control
   • User accounts are protected by secure authentication mechanisms such as passwords and OTPs.
   • Access to data within our systems is limited to authorized personnel on a need-to-know basis.
   • Multi-factor authentication (MFA) is employed for added security in sensitive operations.
4. Regular Security Audits
   We conduct periodic security audits and vulnerability assessments to identify and address potential risks, ensuring compliance with regulatory standards and industry best practices.
5. Data Minimization
   We collect only the information necessary to provide our services effectively. Personal data is retained only as long as required for operational, legal, or regulatory purposes.
6. Fraud Detection and Monitoring
   Our systems include advanced fraud detection algorithms and real-time monitoring to identify and prevent unauthorized or suspicious activities.
7. User Responsibilities
   While we implement stringent security measures, users also play a vital role in protecting their accounts:
   • Keep your account credentials confidential.
   • Avoid sharing OTPs or sensitive information with anyone.
   • Notify us immediately if you suspect unauthorized access or activity.
8. Third-Party Services
   We partner with trusted third-party providers for certain operations. These partners are vetted to ensure they meet our stringent security standards and comply with relevant data protection laws.
9. Breach Notification
   In the unlikely event of a data breach, we will promptly notify affected users and take immediate action to mitigate risks and prevent recurrence.
10. Continuous Improvement
    Our data security practices are continuously reviewed and enhanced to adapt to evolving threats and technological advancements.
11. Contact Us
    If you have any questions or concerns about data security at GraamPay, please contact us at:
    Viyona Fintech India Private Limited
    1st Floor, Plot No 197, Kavuri Hills,
    Guttalabegumpet, Madhapur, Hyderabad,
    Telangana-500081, India
    Email: support@viyonafintech.com