Privacy Policy

1. Scope and Applicability

This Privacy Policy applies to:

• Payers: Individuals such as students, parents, or guardians who initiate education fee payments through Yojra.
• Beneficiaries: Tutors, coaching centres, educational institutions, or other entities that receive education-related payments through Yojra.
• Authorised Representatives: Persons acting on behalf of a payer or beneficiary.

The Education Payment Services include making one-time or recurring payments for tuition, admission fees, examination fees, hostel fees, and other approved educational expenses, together with payment receipts, transaction history, and related communications.

2. Information We Collect

2.1. Information You Provide Directly

• Identity and Contact Information: Full name, email address, phone number, date of birth, and residential address, where required.
• KYC Information: PAN, Aadhaar or other government-issued identification and proof of identity or address where required under applicable law.
• Payment Information: Payment-card or other payment-method information, billing information, transaction amount, and related payment details. Card credentials are processed through secure payment gateways.
• Education Payment Information: Student details, institution or tutor details, fee references, invoice or payment identifiers, and other information necessary to process the education payment.
• Communications: Records of interactions with our customer support team.

2.2. Information Collected Automatically

• Log Data: IP address, device type, operating system, browser type, application version, and timestamps.
• Usage Data: Pages or screens visited, features used, transaction history, and referral sources.
• Location Data: Approximate location derived from IP address or device permissions, where applicable.

2.3. Information from Third Parties

• Educational Beneficiaries: Information necessary to verify payment obligations or beneficiary details.
• Payment Processors and Card Networks: Transaction status and information required for payment processing and fraud prevention.
• KYC Verification Providers: Information necessary to validate identity documents and KYC details.

3. How We Use Your Information

We use your information to provide, improve, and secure the Education Payment Services. Specific purposes include:

• Processing Payments: To initiate, process, complete, and confirm education fee transactions.
• Identity Verification: To perform KYC and identity checks where required.
• Fraud Prevention and Security: To detect and prevent unauthorised transactions, fraud, money laundering, and other financial crimes.
• Customer Support: To respond to queries, resolve disputes, and provide transaction updates.
• Communication: To send payment confirmations, reminders, and important service-related notices.
• Service Improvement: To analyse usage patterns, troubleshoot issues, and improve the platform.
• Legal Compliance: To comply with applicable laws, court orders, regulatory requirements, and lawful requests.

We do not sell your personal data to third parties.

4. Legal Basis for Processing

• Performance of a Contract: To provide the Education Payment Services you have requested.
• Compliance with Legal Obligations: To meet applicable KYC, anti-money laundering, tax, and record-keeping requirements.
• Legitimate Interests: To prevent fraud, maintain security, and improve our services, where such interests do not override your legal rights.
• Consent: Where you have provided consent for a specific processing activity.

5. How We Share Your Information

We share personal information only as necessary to provide the Education Payment Services and as permitted by law, including with payment processors and card networks, KYC providers, banking partners, service providers, and regulatory or law-enforcement authorities where legally required.

6. Data Security

We use reasonable technical and organisational measures designed to protect personal information, including encryption in transit where applicable, access controls, secure payment processing, and fraud monitoring. No method of electronic transmission or storage is completely secure.

7. Data Retention

We retain personal and transaction information only for as long as reasonably necessary for the purposes described in this Policy or as required by applicable law, regulatory requirements, dispute resolution, fraud prevention, or legitimate record-keeping obligations.

8. Your Rights and Choices

• Access: Request access to personal information held about you, subject to applicable law.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion where legally permissible and where retention is not required.
• Restriction: Request restriction of processing in applicable circumstances.
• Withdrawal of Consent: Withdraw consent where processing is based on consent, subject to the effect this may have on your ability to use the services.

To exercise applicable rights, contact us at support@yojra.com.

9. Cookies and Similar Technologies

Yojra may use cookies and similar technologies to keep users signed in, understand platform usage, improve performance, and support security. Cookie preferences may be managed through browser or device settings, although disabling certain cookies may affect functionality.

10. Children's Privacy

The Education Payment Services are intended to be used by persons who are at least 18 years of age. Where a parent or guardian makes an education payment on behalf of a minor, Yojra may collect only information reasonably necessary to complete and identify the transaction. We do not knowingly seek to collect personal information directly from children without appropriate parental or guardian involvement.

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or practices. Material changes may be communicated through the platform or other appropriate channels. Continued use after the effective date constitutes acceptance of the updated Policy.

12. Grievance Redressal

For concerns relating to the handling of personal data or this Privacy Policy, contact: Senthil Thangavel, support@yojra.com, +91 73143 44721. Business Hours: 9:30 AM to 6:30 PM, Monday to Friday, excluding Indian public holidays.

13. Contact Us

Email: support@yojra.com

Phone: +91 73143 44721

Platform: yojra.com