Privacy Policy

1. Introduction

ARBPay ("we", "our", or "us") operates the independent peer-to-peer liquidity and digital settlement platform available at mail.arb-pay.online. We are committed to safeguarding the privacy and security of our community members.

2. Information We Collect

We collect only the minimal information necessary to deliver account authentication and secure peer settlements:

• Account Credentials: Mobile phone number and securely salted bcrypt password hashes. We do not store plaintext passwords.
• Settlement Data: User-provided UPI Virtual Payment Addresses (VPAs) or public blockchain wallet addresses voluntarily submitted for payouts.
• Transaction Records: Order amounts, timestamps, and payment reference IDs (UTRs) for ledger verification.

3. How We Protect Your Information

Security is our highest priority. All data transmitted between your browser and our servers is protected using 256-bit Secure Sockets Layer (SSL/TLS) encryption. Passwords undergo industry-standard cryptographic hashing and cannot be decrypted by platform administrators.

4. No Sale or Misuse of Personal Data

We strictly never sell, rent, lease, or monetize your personal information to third-party advertisers or data brokers under any circumstances.

5. Disclaimer & Non-Affiliation

ARBPay is an independent decentralized community utility. We are NOT affiliated with, sponsored by, or associated with Google Pay, PhonePe, Paytm, BHIM UPI, or any banking or financial institution. All trademarks belong to their respective owners.

6. Contact Us

If you have any questions or concerns regarding our privacy practices, please contact our administrative desk through the official Support Desk in your dashboard or via Support Center.