1. Scope of this policy
This policy applies to information processed when users access Teja Finance websites, create or use an account, submit onboarding or verification information, use payment-related services, contact support, integrate APIs or otherwise interact with the platform.
2. Information we may collect
Depending on the service, Teja Finance may process personal, business and technical information including name, contact details, business information, PAN or registration information, KYC documents, authorised-signatory details, bank-account information, transaction references, device information, IP address, browser details, log information and support communications.
3. Payment information
Payment transactions may involve banks, payment gateways, payment aggregators, card networks, UPI participants or other authorised service providers. Sensitive payment credentials should be handled only through approved payment flows. Teja Finance does not require users to disclose passwords, OTPs, UPI PINs or card PINs to customer-support personnel.
4. Purpose of processing
Information may be processed to provide and operate services, perform onboarding and verification, authenticate users, process or reconcile transactions, prevent fraud, manage risk, comply with applicable obligations, investigate disputes, provide support, improve platform functionality and maintain security.
5. KYC and verification information
Certain services may require identity or business verification. Information may be verified directly or through service providers, banks, verification partners or other permitted sources. Additional information may be requested where records are incomplete, inconsistent or require enhanced review.
6. Sharing of information
Information may be shared where reasonably required with banking partners, payment service providers, payment networks, verification providers, technology vendors, professional advisers, regulators, government authorities or law-enforcement agencies, subject to applicable requirements and the purpose for which the information is needed.
7. Fraud prevention and security
Teja Finance may use transaction monitoring, access controls, authentication measures, logs, risk rules and other technical or organisational safeguards intended to identify suspicious activity and reduce the risk of fraud, misuse or unauthorised access.
8. Cookies and technical information
The website or platform may use cookies, session identifiers and similar technologies for authentication, security, user preferences, analytics and service performance. Browser settings may allow users to manage certain cookies, although disabling necessary cookies may affect platform functionality.
9. Data retention
Information may be retained for as long as reasonably necessary for service delivery, account administration, transaction records, dispute handling, fraud prevention, contractual obligations, legal or regulatory requirements and legitimate business purposes.
10. Data accuracy
Users are responsible for providing accurate and current information. Users should promptly update business, contact, bank or verification information where changes occur and where the platform permits such updates.
11. Security responsibilities of users
Users should protect passwords, devices, email accounts, API credentials, tokens and other authentication information. Users must not share OTPs, PINs, passwords or API secrets with unauthorised persons and should immediately report suspected account compromise.
12. Third-party services
Teja Finance services may integrate with third-party banks, gateways, payment networks, verification systems or technology platforms. Those third parties may process information under their own applicable privacy and security practices.
13. Legal and regulatory disclosures
Information may be disclosed where required by applicable law, court order, regulatory requirement, government request or lawful investigation, or where reasonably necessary to protect users, the platform or the integrity of payment services.
14. Changes to this policy
This Privacy Policy may be updated from time to time to reflect changes in services, technology, operational practices or applicable requirements. The updated version will be published on this page.
15. Contact
Questions relating to privacy or information handling may be sent to info@tejafinance.com. Users should not send passwords, OTPs, PINs or other confidential authentication credentials by email.
Questions about this policy?
Contact Teja Finance for support or clarification related to this page.
info@tejafinance.com