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PEPPERTREE.AI PVT. LTD. – PRIVACY POLICY

Last Updated: 23-12-2025

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This Privacy Policy describes how Peppertree.AI Pvt. Ltd. (“Peppertree.AI”, “Company”, “GIROPie”, “we”, “our”, or “us”) collects, uses, processes, stores, shares, and protects information when you access or use the GIROPie platform (“Platform” or “Services”).

This Policy applies to our website, applications, APIs, dashboards, and related services, and is supplementary to our Terms & Conditions and Service Agreement. In case of any inconsistency, this Privacy Policy shall prevail.

By accessing or using the Platform, you consent to the practices described herein, in accordance with applicable Indian laws, including the Information Technology Act, 2000, related rules, and the Digital Personal Data Protection Act, 2023 (DPDP Act).

 

1. Definitions

  • Platform: GIROPie services offered via giropie.com, applications, APIs, dashboards, and related systems.

  • User / You: Any individual or legal entity accessing or using the Platform.

  • Personal Data: Information relating to an identifiable individual.

  • Business Data: Invoices, transaction records, counterparty details, operational cash-flow data.

  • Partners: Banks, payment aggregators, TSP/ASP providers, NBFCs, and other regulated financial institutions integrated with GIROPie.

 

2. Principles of Data Use

GIROPie follows a data-minimisation-first approach.
We collect and process only such data as is necessary to provide, operate, secure, and improve the Services, and to meet legal and regulatory requirements.

We do not sell personal or business data.

 

3. Information We Collect

3.1 User & Business Information

  • Name, designation, contact details

  • Company name, registration details, GST information

  • Authorized signatory and key personnel details

3.2 KYC & Compliance Information

  • PAN, Aadhaar or equivalent identifiers (where applicable and consented)

  • Business KYC documents

  • Bank account details (masked where required)

3.3 Invoice & Transactional Data

  • Invoices created, uploaded, or processed

  • Buyer and supplier details

  • Payment status, settlement data, reconciliation logs

3.4 Technical & Usage Data

  • IP address, browser/device details

  • Log data, cookies, and analytics

  • Usage patterns and platform interactions

 

4. Purpose of Data Processing

We process data for the following lawful purposes:

  • Providing invoice-to-cash services

  • Enabling payment processing, collections, and reconciliation

  • Conducting KYC, AML, fraud prevention, and compliance checks

  • Facilitating invoice financing, supplier financing, and credit insurance

  • Improving platform performance and user experience

  • Maintaining audit trails, dispute resolution, and legal compliance

 

5. Data Sharing & Disclosure

GIROPie does not disclose data indiscriminately.
Data may be shared only on a need-to-know basis with the following:

5.1 Banks & Financial Institutions

  • Sponsor banks, PSU and private banks

  • For settlement, reconciliation, compliance, and regulatory reporting

5.2 Payment Aggregators & TSP/ASP Providers

  • Including partners such as Easebuzz

  • For executing collections, payouts, and transaction validation

5.3 Financing & Credit Partners

  • Including partners such as eFundzz

  • For invoice financing, supplier financing, and credit assessment

  • Shared data may include invoice details, transaction history, and limited KYC information, subject to consent and applicable law

5.4 Regulators & Authorities

  • When required by law, court order, or regulatory directive

 

All partners are contractually required to maintain confidentiality, security, and compliance standards consistent with applicable regulations.

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6. Consent & Lawful Basis

By using the Platform, you:

  • Provide consent for data processing as described

  • Authorize GIROPie to share data with regulated partners for service delivery

  • Acknowledge statutory data-retention obligations

Separate and explicit consent may be obtained for financing or credit-related services, where required.

 

7. Data Retention & Right to Erasure

  • Data is retained only as long as necessary for service delivery, compliance, and audit.

  • Users may request deletion or withdrawal of consent for personal data.

  • Certain data may continue to be retained to comply with statutory, regulatory, or legal obligations, even after account closure.

 

8. Data Security

GIROPie implements industry-standard security practices, including:

  • Secure access controls

  • Encryption of data in transit and at rest

  • Role-based access

  • Monitoring and audit mechanisms

Users are responsible for safeguarding login credentials and reporting unauthorized access.

 

9. Cookies

GIROPie uses cookies for:

  • Essential platform functionality

  • Analytics and performance monitoring

  • Limited personalization

Users may disable cookies via browser settings, which may impact functionality.

 

10. Third-Party Platforms

Interactions with GIROPie’s official pages on third-party platforms (e.g., LinkedIn, YouTube) are governed by those platforms’ respective privacy policies. GIROPie does not control third-party data practices.

 

11. Prohibited Activities

Users shall not upload, transmit, or share unlawful, harmful, or prohibited content. Upon receiving knowledge of violations, GIROPie shall act within 36 hours and may preserve records for at least 90 days for investigation, as required by law.

 

12. Limitation of Liability

GIROPie shall not be liable for:

  • Actions or omissions of third-party partners

  • Delays caused by banks, payment networks, or regulators

  • Indirect or consequential losses

GIROPie acts as a technology and orchestration platform and does not hold or manage customer funds on its own balance sheet.

 

13. Governing Law & Dispute Resolution

This Privacy Policy is governed by the laws of India.
Disputes shall be resolved by arbitration in Bengaluru, Karnataka, under the Arbitration and Conciliation Act, 1996.

 

14. Grievance Redressal

Grievance Officer:
Name: Krishna Kumar B S
Address: No. 1139, Maruthi Complex, 3rd Floor,
BEML Layout, 3rd Stage, Raja Rajeshwari Nagar,
Bengaluru – 560098, Karnataka, India
Email: getinfo@peppertree.ai

Phone: +81 89510 65761

 

Legal Positioning: GIROPie is a technology platform facilitating invoice, payment, and data workflows and does not store or process funds directly.

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