1. Vision and Purpose

To empower every local retailer with digital banking tools, making financial services accessible to the last mile of rural India. Seeam Digital Pvt Limited aims to create a self-sustainable digital ecosystem where every partner grows together with the company through transparent, secure, and compliant services.

2. Introduction

Seeam Digital Pvt Limited (“Company”, “we”, “us”, or “our”) owns and operates the Seeam Digital Pvt Limited website and web application as a commercial digital services platform. This Privacy Policy governs your access to and use of our website, applications, and services.

By accessing or using our services, you acknowledge that you have read, understood, and agreed to the collection, use, and disclosure of information as described in this Privacy Policy.

3. Scope of This Privacy Policy

This Privacy Policy applies to all visitors, registered users, merchants, retailers, distributors, and partners who access or use our portal, applications, or services.

4. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of the revised policy.

5. Data Controller

6. Information We Collect

We may collect personal and non-personal information including but not limited to name, email address, contact number, address, business details, and registration information provided voluntarily by users.

During account registration, we collect login credentials. Passwords are encrypted and stored securely and are not accessible in plain text

7. Automatically Collected Information

When you access our website or services, we may automatically collect information such as IP address, browser type, operating system, access time, pages visited, and referring URLs for analytics, security, and operational purposes.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to improve user experience, analyze traffic, and ensure proper functionality of the website. Cookies do not store sensitive personal, banking, or card information.

Users may disable cookies through browser settings; however, some features of the website may not function properly.

9. Use of Information

We use collected information to provide services, manage accounts, improve platform performance, communicate with users, conduct internal analysis, comply with legal obligations, and prevent fraud or misuse.

10. Disclosure of Information

We may share user information with trusted third-party service providers such as hosting providers, IT service providers, analytics partners, and communication service providers strictly for business operations.

We may disclose information to government authorities or law enforcement agencies where required by law or to protect our legal rights.

11. Utility Services – Payment & Usage Policy

To access Utility Services on the portal, users must be registered. Payments must be made only from the bank account registered in the user’s own name. Wallet credits are permitted only from the registered bank account.

Third-party payments are strictly prohibited. If any payment is made from a third-party bank account, Seeam Digital Pvt Limited reserves the right to levy 18% Goods and Services Tax (GST) and deduct 5% Tax Deducted at Source (TDS) as applicable before crediting, adjusting, reversing, or settling such payments.

In case of mismatch between the registered name and bank account name, payments may be rejected or cancelled. The Company shall not be responsible for losses arising from violations of this policy.

12. Service Availability Disclaimer

Services offered on the portal are dynamic and not fixed. We reserve the right to add, modify, suspend, or discontinue any service at any time due to technical issues, maintenance, regulatory requirements, or third-party dependencies.

We do not guarantee uninterrupted or error-free service availability.

13. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws, regulations, or contractual obligations.

14. User Rights

Users have the right to request access, correction, or deletion of their personal information, subject to applicable legal and regulatory requirements. Requests may be submitted via email.

15. Security Measures

We implement reasonable physical, electronic, and administrative safeguards to protect personal information against unauthorized access, alteration, disclosure, or destruction.

16. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of such websites. Users should review their respective privacy policies

17. Minors

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

18. Business Transfers

In the event of a merger, acquisition, restructuring, or sale of assets, user information may be transferred as part of the business assets, subject to applicable laws.

19. Non-Refund Policy

All payments made on the Seeam Digital Pvt Limited portal, including but not limited to wallet loading, utility services, subscriptions, service charges, convenience fees, or any other payments, are strictly non-refundable.

Once a transaction is successfully processed, no refund, reversal, or chargeback shall be permitted under any circumstances, except where such refund is mandated by applicable law.

Seeam Digital Pvt Limited shall not be liable to provide any refund arising due to:

• User error or incorrect payment
• Payments made in violation of portal policies
• Third-party payment gateway issues
• Service downtime, suspension, or discontinuation
• Regulatory restrictions or compliance requirements

By using the portal and making payments, the user expressly agrees to this Non-Refund Policy.

20. Communication

We may send service-related communications and updates. Users may opt out of non-essential communications by contacting us via email.

21. Contact Information

For any questions, concerns, or requests regarding this Privacy Policy, please contact: