How Payaam collects, uses, stores, shares, protects, and deletes personal information.
Last updated: 25 July 2026. Effective: 25 July 2026.
Welcome to Payaam.
This Privacy Policy explains how Payaam ("Payaam", "we", "us", or "our") collects, uses, stores, shares, protects, and deletes personal information when you use our mobile application, web application, vendor portal, website, support channels, payment flows, admin-supported services, and related services collectively called the "Services".
Payaam is a marriage-introduction platform designed to help families create profiles, review suitable matches, communicate through consent-led features, manage membership, and access planning services when relevant.
By using Payaam, you agree to the collection and use of information as described in this Privacy Policy.
This Privacy Policy applies to:
This Privacy Policy does not apply to third-party websites, apps, payment pages, vendor websites, or external services that Payaam does not own or control.
Payaam may be used by:
You may use Payaam only if you are legally eligible to enter into a binding agreement under applicable law.
Payaam collects information you provide directly, information generated through your use of the Services, and information we receive from service providers.
When you create or access an account, we may collect:
Payaam uses this information to create, verify, secure, and administer your account.
When you create or update a profile, we may collect:
Some of this information may be sensitive in nature because it relates to family background, preferences, marital history, identity, or personal choices. We collect it because it is necessary for a serious marriage-introduction service and because you provide it for that purpose.
Photos may be reviewed by the Payaam moderation team before being made visible in the app. Visibility settings may control when photos are shown to other users.
Payaam uses this information to provide match tracking, communication, contact exchange, reporting, support, moderation, and product safety features.
Contact details are shown only according to the product rules and consent flow.
Payaam does not store full card numbers, CVV, UPI PIN, net banking passwords, or other sensitive payment authentication credentials. Payments are processed through authorised third-party payment gateways, banks, UPI ecosystem participants, or payment service providers.
Payment-related data may be handled by banks, payment gateways, UPI ecosystem participants, or other regulated payment service providers. RBI guidance states that payment system data should be stored in India by authorised/approved payment system operators, subject to applicable clarifications.
For complex issues, authorised Payaam support staff may view limited account information or use controlled support tools to understand what you are seeing. Such access should be permission-controlled and logged.
We use this information to operate, secure, debug, improve, and measure the Services.
Analytics are optional and off unless you accept them. If you do, usage information is sent to our analytics provider under a pseudonymous identifier rather than your name or phone number, and it does not record which particular profile, conversation, or vendor you viewed. If you decline, no analytics are collected.
Payaam also uses an error-monitoring service so faults can be diagnosed. Personal information is removed from error reports before they are sent. This runs regardless of your analytics choice, as it is necessary to keep the Services working and secure.
Payaam uses two kinds of cookies, and they are treated differently.
Essential cookies keep you signed in and keep your account secure. The main one is a sign-in cookie that your browser cannot read from JavaScript, is limited to Payaam's own sign-in endpoints, and lasts up to 30 days. These are required for the Services to work, so they are always on and are not subject to consent.
Analytics cookies help us understand how the website is used, so we can fix what is confusing and improve the experience. These are optional and are switched off until you accept them. We do not use advertising cookies, and we do not allow third-party advertising trackers on our website.
The first time you visit, we ask whether you are happy for us to use analytics cookies. Nothing optional is set before you answer, and choosing "Essential only" is as easy as accepting. You can change or withdraw your answer at any time using the "Manage cookies" link in the website footer. You can also control cookies through your browser settings, though some features may not work properly if essential cookies are blocked.
Our Cookie Policy lists every cookie by name, what it does, how long it stays, and who sets it.
We use personal information to:
We process personal information when:
Where required by applicable law, Payaam will provide notice and seek consent before collecting or processing personal information. India's Digital Personal Data Protection Act, 2023 regulates digital personal data processing and includes requirements around notice, lawful purpose, consent, grievance redressal, correction, updating, completion, and erasure, subject to legal exceptions.
You may withdraw consent where processing is based on consent. Withdrawal may affect your ability to use certain features.
Payaam is not designed as a public searchable directory.
Your profile may be shown to other users based on match logic, visibility settings, membership rules, and platform policies.
Depending on your settings and the stage of interaction, other users may see:
We do not guarantee that every field will remain hidden in all contexts if you choose to share it in open text fields, chat, profile copy, or uploaded content.
Chat messages are stored to provide the messaging service, maintain conversation history, support reporting, and investigate abuse or safety concerns.
We may review chat messages if:
You should not share sensitive financial, personal, or confidential information in chat unless you are comfortable doing so.
To resolve support issues, authorised Payaam staff may access limited account information.
For high-severity issues, Payaam may use controlled support access or impersonation-style tools to see the product experience as the user or vendor sees it.
Such access is:
Support access is not intended for casual browsing of user profiles.
Payaam does not sell your personal information.
Payaam may share personal information with:
Payaam may share profile information, communication status, and contact details with other users according to the app's visibility settings, match stage, consent rules, and membership rules.
Payaam may share billing and transaction details with payment gateways, banks, UPI participants, and payment processors to process payments, refunds, invoices, fraud checks, and transaction status.
Payaam shares very little with vendors. When you choose to contact a vendor, Payaam records that an enquiry was started and opens WhatsApp for you. The vendor sees a masked version of your name and the category and city the enquiry came from. The opening message is standard and contains no personal or rishta details.
Payaam does not pass your phone number to the vendor. If you continue the conversation on WhatsApp, your number becomes visible to them as it would in any WhatsApp chat you start. That conversation takes place outside Payaam and we cannot see it.
Vendors have no access to your biodata, your photos, your introductions, your chats, or any other part of the matrimonial side of Payaam.
Payaam may share information with trusted service providers who help operate the Services, such as:
Service providers are expected to use information only for the purpose of providing services to Payaam.
If Payaam is involved in a merger, acquisition, investment, restructuring, financing, or sale of assets, user information may be transferred as part of that transaction, subject to appropriate safeguards.
We may store personal information on servers in India or other jurisdictions, depending on our infrastructure and service providers, subject to applicable law.
Payment data may be subject to specific localisation rules in India. RBI's payment-data storage guidance states that payment data should be stored in India by authorised/approved payment system operators, subject to the applicable clarifications.
Where Payaam uses international service providers, your information may be processed outside India, subject to applicable law and contractual safeguards.
Payaam retains personal information only as long as necessary for:
Examples:
Subject to applicable law, you may have the right to:
To exercise these rights, contact Payaam at:
Support: support@payaam.in
Payaam may verify your identity before acting on your request.
You can delete your account yourself from Settings. You do not need to email anyone or explain why.
Deletion runs on a 30-day recovery period. During those 30 days your account is deactivated and hidden from other users, and signing in restores it. After 30 days the deletion is finalised: your profile and photos are erased and the account cannot be restored. If you had an active subscription, its cancellation is scheduled at the same time.
A limited set of records is retained after deletion, where the law requires it or where removing it would affect someone else:
If you cannot access the app, you can request account deletion from our public page without installing Payaam or signing in.
Payaam is intended for adults who are legally eligible to use marriage-introduction services.
Users must not create accounts for minors or submit personal information of minors unless legally permitted and specifically allowed by Payaam policies.
If Payaam learns that a minor's personal information has been submitted in violation of this Privacy Policy, Payaam may delete it and suspend the related account.
Payaam uses reasonable administrative, technical, and organisational measures to protect personal information. These may include:
No system is completely secure. You are responsible for keeping your device, phone number, OTPs, and account access secure.
Payaam may send:
You can manage notification preferences in the app or device settings. Some transactional messages may still be sent where necessary to provide the Services.
Payaam may use limited information to:
Payaam does not sell your personal information to advertisers.
Vendor featured placements inside Payaam are governed by vendor and advertising policies. Vendors do not receive your personal contact information unless you submit an enquiry or otherwise consent.
The Services may contain links to:
Payaam is not responsible for the privacy practices of third parties. Please review their privacy policies before sharing information.
If you have a privacy concern, complaint, or request, contact:
Support: support@payaam.in
Payaam will respond within the period required under applicable law.
The IT Intermediary Rules, 2021 include due diligence and grievance-redressal requirements for intermediaries, with additional obligations depending on the nature and scale of the platform.
Payaam may update this Privacy Policy from time to time.
When Payaam updates it, the "Last Updated" date will be revised. If changes are material, Payaam may notify you through the app, website, email, or another appropriate method.
Your continued use of the Services after the updated Privacy Policy becomes effective means you accept the changes.
For privacy questions, requests, or complaints:
Payaam Support: support@payaam.in