Privacy Policy

Last Updated on 26th February 2025.

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use ExlPayLite, a prepaid payment instrument operated by Excel Core Solutions. Please read this policy carefully to understand our views and practices regarding your personal data.

1. Introduction

ExlPayLite, operated by Excel Core Solutions, is committed to protecting and respecting your privacy. This Privacy Policy outlines how we handle your personal data while providing you with access to our platform and services.

2. Information We Collect

We collect the following types of information when you use ExlPayLite:

  • Personal Identification Information: Your name, email address, phone number, PAN card details, Aadhar card details, and other identification documents required to comply with legal requirements.
  • Transaction Information: Details of your financial transactions within the ExlPayLite system, including wallet loading, money transfers, and purchases.
  • Device Information: Information about the device and browser you use to access our services, such as your IP address, operating system, and browser type.
  • Other Information: Any other information you provide to us when interacting with our services, including feedback, support requests, and surveys.
3. How We Use Your Information

The information we collect is used for the following purposes:

  • To provide services: We use your data to operate, maintain, and improve our services, including processing transactions, verifying your identity, and offering reward programs.
  • Legal and Regulatory Compliance: To comply with applicable laws, regulations, and KYC (Know Your Customer) requirements.
  • Customer Support: To address your inquiries, concerns, or feedback and provide customer support.
  • Marketing and Promotions: To send you updates, promotional offers, and notifications related to our services, provided that you have consented to receiving such communications.
  • Security: To protect your data and ensure the security of transactions and the platform.
4. Data Sharing and Disclosure

We may share your personal information with third parties under the following circumstances:

  • Legal Compliance: When required by law, regulation, or government request, we may disclose your personal information to regulatory authorities, law enforcement, or other relevant bodies.
  • Service Providers: We may share your information with trusted third-party service providers who assist us in running our platform, such as payment processors, cloud service providers, and email service providers.
  • Business Transactions: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the relevant parties as part of the business transaction.
5. Data Security

We use industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, please be aware that no method of transmission over the internet or electronic storage is entirely secure. While we take reasonable steps to protect your personal data, we cannot guarantee its absolute security.

6. Retention of Your Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or regulation.

7. Your Rights and Choices

You have the following rights regarding your personal data:

  • Access: You can request access to the personal information we hold about you.
  • Correction: You can request that we correct any inaccuracies in your personal information.
  • Deletion: You can request the deletion of your personal information, subject to legal obligations and business requirements.
  • Opt-Out: You can opt out of receiving promotional emails by following the unsubscribe link in our communications or contacting us directly.
8. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our platform. Cookies are small files stored on your device that help us remember your preferences and improve site functionality. You can modify your browser settings to reject cookies, but this may limit certain features of the platform.

9. Third-Party Websites

Our platform may contain links to third-party websites, including merchants or service providers. We are not responsible for the privacy practices or content of those external sites. We encourage you to read their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the services we offer. Any changes will be posted on this page, and the revised policy will be effective as of the date indicated at the top of the page.

11. Contact Information

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us: