At TestUPI.com ("we", "our", or "the Service"), we take your privacy seriously. This Privacy Policy explains
what information we collect, how we use it, how we protect it, and your rights regarding your personal data
when you use our UPI testing and verification service.
1. Information We Collect
1.1 Automatically Collected Data
When you use our Service, we automatically collect minimal information necessary to provide the verification
service:
| Data Type |
Purpose |
Retention Period |
| Transaction ID |
Track payment status, prevent fraud |
30 days |
| Transaction Amount |
Service analytics, accounting |
30 days |
| Payment Method |
Service optimization, analytics |
30 days |
| Transaction Timestamp |
Report generation, support |
30 days |
| IP Address |
Security, fraud prevention |
7 days |
| Browser/Device Type |
Service optimization |
30 days |
1.2 Data from Payment Gateway
We receive limited information from Razorpay when you complete a payment:
- Payment confirmation status (success/failure)
- Transaction reference number
- Payment method used
Note: Razorpay may collect additional information according to their Privacy Policy.
🔒 What We DO NOT Collect or Store
We NEVER collect, store, or have access to:
- ❌ Your UPI PIN
- ❌ Banking passwords or credentials
- ❌ Payment card details (card number, CVV, expiry)
- ❌ Bank account numbers
- ❌ UPI app login credentials
- ❌ Sensitive financial information
- ❌ Name, email, or phone (unless you contact support)
2. How We Use Your Information
We use the limited information we collect only for:
- Provide Service: Process your UPI test and generate verification report
- Display Results: Show transaction details, UTR, and analysis
- Prevent Fraud: Detect and prevent fraudulent transactions
- Improve Quality: Analyze service performance and user experience
- Technical Support: Respond to your inquiries
- Legal Compliance: Meet regulatory requirements
- Analytics: Understand aggregate usage (anonymized only)
We DO NOT use your data for:
- ❌ Marketing or promotional communications
- ❌ Selling or renting to third parties
- ❌ Profiling or behavioral tracking
- ❌ Targeted advertising
3. Email and SMS Communications
IMPORTANT: TestUPI.com does NOT send any emails or SMS messages.
We do not collect your email or phone number, and we do not send communications.
Your verification report is displayed on screen only. Razorpay may send payment receipts separately.
4. Payment Processing
All payment processing is handled by Razorpay Payment Solutions Private Limited, an
RBI-authorized payment aggregator and PCI-DSS Level 1 certified.
How Payment Processing Works:
- You're redirected to Razorpay's secure payment interface
- All payment information is entered on Razorpay's servers
- We never see or store your payment credentials
- Razorpay sends us only payment confirmation
- Razorpay complies with international payment security standards
For Razorpay's data handling practices, visit: razorpay.com/privacy
5. Data Sharing and Third Parties
We share minimal data ONLY with:
- Razorpay: Payment processing (separate privacy policy)
- Hosting Provider: Website hosting (minimal technical data)
- Law Enforcement: Only when legally required by court order
We DO NOT share data with:
- ❌ Advertisers or marketing companies
- ❌ Data brokers or analytics companies
- ❌ Social media platforms
- ❌ Any third parties for commercial purposes
6. Data Retention and Deletion
We retain your data only as long as necessary:
- Transaction data: Automatically deleted after 30 days
- IP address logs: Automatically deleted after 7 days
- Payment confirmations: Retained for 30 days
- Support correspondence: Deleted after resolution + 30 days
- Aggregated analytics: Retained indefinitely (completely anonymized)
After the retention period, all personal data is automatically and permanently deleted.
7. Data Security
We implement multiple security measures:
Technical Security:
- 🔒 SSL/TLS Encryption: All data transmission encrypted via HTTPS
- 🔒 Secure Infrastructure: Hosted on secure cloud servers
- 🔒 Access Controls: Strict authentication for system access
- 🔒 Firewall Protection: Network security and DDoS protection
- 🔒 Regular Updates: Latest security patches applied
- 🔒 Automated Deletion: Data auto-deleted after retention period
- 🔒 No Database Storage: Sensitive data not stored in databases
Note: No method is 100% secure. We cannot guarantee absolute security.
8. Your Privacy Rights
Under Indian data protection laws, you have the following rights:
- Right to Access: Request a copy of data we hold
- Right to Deletion: Request deletion of your data
- Right to Correction: Request correction of inaccurate data
- Right to Object: Object to certain data processing
- Right to Portability: Receive your data in portable format
- Right to Withdraw Consent: Withdraw consent anytime
- Right to Complain: Lodge complaint with authorities
How to Exercise Your Rights:
Email us at: contact@testupi.com
Include:
- Nature of request (access, deletion, etc.)
- Transaction details or payment ID
- Date of transaction (approximate)
We will respond within 7 business days.
9. Cookies and Tracking
Cookies We Use:
- Essential Cookies: Required for website functionality
- Security Cookies: Prevent fraud and abuse
We DO NOT Use:
- ❌ Advertising cookies
- ❌ Tracking cookies for behavioral profiling
- ❌ Third-party analytics cookies (Google Analytics)
- ❌ Social media tracking pixels
10. Children's Privacy
Our Service is not intended for individuals under 18 years. We do not knowingly collect data from children.
If you believe a child has provided us with information, contact us immediately at
contact@testupi.com.
11. International Users
TestUPI.com is designed primarily for users in India. Our servers are located in India.
If you access from outside India:
- Your data may be transferred to and processed in India
- By using our Service, you consent to this transfer
- India's laws may differ from your country's laws
12. Changes to Privacy Policy
We may update this Privacy Policy to reflect:
- Changes in our data practices
- Changes in applicable laws
- New features or services
- Security improvements
Changes become effective immediately upon posting. Check this page periodically for updates.
13. Contact Us
For privacy-related questions or to exercise your rights:
- Email: contact@testupi.com
- Subject: "Privacy Inquiry" or "Data Request"
- Website: testupi.com
- Response Time: Within 7 business days
📋 Summary
In simple terms:
- ✓ We collect minimal transaction data
- ✓ We NEVER collect banking credentials
- ✓ No emails or SMS sent by us
- ✓ Report shown on screen only
- ✓ Data auto-deleted after 30 days
- ✓ Payment processed securely by Razorpay
- ✓ We don't sell or share your data
- ✓ You can request deletion anytime