Privacy Policies
Privacy Policy
We collect only essential information to provide banking services. Data is encrypted in transit and at rest. We never sell or share personal data with third parties for marketing. Users can request access, correction, or deletion of their data at any time.
Security Policy
All transactions are protected with endtoend encryption and multifactor authentication. We comply with RBI guidelines and conduct regular audits. Continuous monitoring helps detect and prevent fraud.
Data Privacy Policy
We adhere to Indian data protection laws and RBI directives. Data usage is transparent and consentbased. Strict access controls prevent unauthorized use.
Grievance Redressal Policy
We provide 24/7 support via chat, email, and phone. Issues are resolved within clear timelines (48 hours for first response, 7 days for closure). Unresolved complaints can be escalated to the RBI Banking Ombudsman. Every grievance is tracked with a unique reference ID.
Secure Usage Guidelines
At 1M Global Business Services Private Limited, safeguarding your financial assets is our highest priority. We are committed to protecting customers from online scams, fraudulent activities, and unauthorized access. This page outlines common threats, preventive measures, and best practices for secure usage of our platform.
Common Threats
• Malware: Malicious software can monitor activity and steal sensitive data. Avoid downloading files from untrusted sources.
• Phishing & Smishing: Fraudulent emails, SMS, or social media messages may impersonate trusted institutions to steal credentials.
• Spear Phishing: Targeted, personalized attacks disguised as legitimate communications.
• Spoofing: Fraudsters replicate websites, emails, or phone calls using fake logos and URLs.
• Vishing: Phone calls pretending to be from banks or service providers, asking for OTPs, PINs, or personal details.
• SIM Swap Fraud: Criminals obtain duplicate SIMs to intercept OTPs and alerts.
• Social Network Frauds: Fake apps, browser extensions, or surveys on social media designed to capture personal and financial information.
• Money Mule Scams: Fraudsters lure victims into sharing bank details for “easy money,” using accounts to launder stolen funds.
Secure Portal Usage Tips
• Confidentiality: Keep login credentials private; never share them.
• Memorize: Do not write down or store passwords insecurely.
• Safe Access: Avoid logging in from public WiFi or shared computers.
• Direct Login: Always type our official URL in your browser’s address bar.
• Suspicion: Treat any request for confidential information with caution.
• Disable AutoComplete: Prevent browsers from storing sensitive login data.
• Monitor: Regularly review transactions and account statements.
• Logout: Always log out after use; don’t just close the browser.
• Update Contact Info: Ensure your mobile/email details are current.
• Stay Vigilant: Pay attention to SMS alerts and OTPs; report discrepancies immediately.
• Delete Suspicious Emails: Do not open attachments or click links from unknown sources.
Additional Security Practices
• MultiFactor Authentication (MFA): Always enable MFA for added protection.
• Device Hygiene: Keep your operating system, browser, and apps updated.
• Strong Passwords: Use complex, unique passwords for your account.
• Fraud Reporting: Immediately report suspicious activity to our support team.
• Awareness: Educate employees and family members about online fraud tactics.
• Links: Do not click any links received from unauthorised or suspicious and unknown sources.
Reporting & Support
If you notice unusual activity on your account, contact us immediately at: support@e1high.com
We provide 24/7 assistance and a clear escalation matrix to ensure timely resolution. Unresolved complaints can be escalated to the RBI Banking Ombudsman.
Trust & Transparency
At e1high.com, trust is the foundation of everything we do. We believe in complete transparency, uncompromising security, and customerfirst innovation. This page outlines how we safeguard your money, protect your data, and ensure every transaction is fair, compliant, and reliable.
RBI Backing
• CBDC (Digital Rupee): Issued directly by the Reserve Bank of India, making it as safe as physical cash.
• Regulatory Compliance: Every product and service is aligned with RBI guidelines and Indian financial regulations.
• Retail Direct Access: Customers can invest directly in Government Securities through RBI Retail Direct, ensuring safe and transparent investment opportunities.
Blockchain Security
• TamperProof Transactions: Every CPICBDC payment is validated on a blockchain ledger, ensuring immutability and auditability.
• Smart Contracts: Payments can be programmed with conditions, adding flexibility and reducing fraud risk.
• SideChain Scalability: Highvolume transactions are processed efficiently without congestion, making it a robust alternative to traditional payment gateways.
Transparency in Operations
• Clear Policies: Privacy, security, and grievance redressal policies are published openly for customer reference.
• RealTime Alerts: Customers receive instant notifications for every transaction.
• Audit Trails: Immutable blockchain records ensure accountability and traceability.
Customer Protection
• Secure Usage Guidelines: We educate customers about phishing, malware, and fraud prevention.
• MultiFactor Authentication: Every account is protected with advanced security layers.
• 24/7 Support: Dedicated helpdesk with escalation matrix and RBI Ombudsman access for unresolved issues.
Our Promise
We are building more than a banking platform—we are building a transparent financial ecosystem where every transaction is secure, every policy is clear, and every customer is valued.
Tagline Suggestion: “Smarter, Safer, FeeFree Banking—Powered by Trust.”
Privacy Policy
Introduction
At 1M Global Business Services Private Limited, your privacy is our priority. We are committed to protecting your personal and financial information while delivering secure, transparent, and innovative banking services. This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our CBDC + eRupi platform.
Information We Collect
We collect only the information necessary to provide you with seamless banking services:
• Personal Information: Name, contact details, date of birth, and identification documents (as required by RBI regulations).
• Financial Information: Account details, transaction history, deposits, and investment records.
• Usage Data: Device information, login activity, and interaction with our platform.
• Compliance Data: KYC details, AML checks, and regulatory reporting information.
How We Use Your Information
Your data is used strictly to:
• Provide and improve our banking services.
• Enable CBDC transactions, eRupi voucher redemption, and CPICBDC payments.
• Process deposits, investments, and crossborder transfers.
• Ensure compliance with RBI and Indian financial regulations.
• Enhance user experience with personalized insights, rewards, and offers.
We do not sell or share your personal data with third parties for marketing purposes.
Data Storage & Security
• All data is encrypted in transit and at rest.
• Multifactor authentication protects account access.
• Blockchain validation ensures tamperproof transaction records.
• Regular audits and monitoring safeguard against fraud and unauthorized access.
Sharing of Information
We may share data only in the following cases:
• With regulators such as the RBI, as required by law.
• With trusted service providers who support our operations (under strict confidentiality agreements).
• To comply with legal obligations or respond to lawful requests.
Your Rights
As a customer, you have the right to:
• Access your personal data.
• Request corrections or updates.
• Request deletion of data, subject to regulatory requirements.
• Withdraw consent for optional data usage (e.g., analytics, personalization).
Cookies & Tracking
We use cookies and similar technologies to:
• Improve platform performance.
• Provide secure login sessions.
• Deliver personalized insights and rewards.
You can manage cookie preferences through your browser settings.
Device Permissions
To deliver a seamless and secure banking experience, M/s. 1M Global Business Services Private Limited may request certain device permissions when you use our mobile app or web platform. These permissions are strictly limited to enhancing functionality and ensuring compliance with RBI guidelines. We never access or use your device data beyond what is necessary to provide services.
Permissions We May Request:
• Camera & Gallery Access: For KYC verification, uploading identity documents, or scanning QR codes for payments.
• Location Access: To detect suspicious login activity, enable geobased offers, and comply with regulatory requirements for crossborder transactions.
• Contacts Access: Only when you choose to make payments directly to saved contacts, simplifying transfers.
• Microphone Access: For secure voice authentication (if enabled by the customer).
• Storage Access: To save transaction receipts, account statements, or invoices securely on your device.
How We Protect Your Privacy:
• Permissions are requested transparently and only when required.
• You can manage or revoke permissions at any time through your device settings.
• We do not collect or store personal files, photos, or media unrelated to banking services.
• All data accessed through permissions is encrypted and used solely for the intended purpose.
Information Collected
When you use 1M Global Business Services Private Limited, we collect only the information necessary to deliver secure, compliant, and personalized financial services. This includes personal details (such as name, contact information, and identification documents for KYC), financial data (account numbers, deposits, transactions, and investment records), and usage data (device information, login activity, and interaction patterns). We also collect regulatory compliance data to meet RBI and Indian financial law requirements, including AML checks and reporting obligations. Importantly, all information is encrypted, stored securely, and used solely to provide services like CBDC transactions, eRupi voucher redemption, CPICBDC payments, and enterprise automation. We do not access or store unrelated personal files, photos, or browsing history, and we never sell your data to third parties for marketing purposes.
Information We Collect
When you use M/s. 1M Global Business Services Private Limited, we collect only the information necessary to provide secure, compliant, and personalized financial services. This includes:
• Personal Information: Name, contact details, date of birth, and identification documents required for KYC verification under RBI guidelines.
• Financial Information: Account numbers, deposits, transaction history, investment records, and payment instructions.
• Usage Data: Device details, login activity, browser type, IP address, and interaction patterns with our app or web platform.
• Compliance Data: KYC records, AML checks, and regulatory reporting information to meet RBI and Indian financial law requirements.
• Device Permissions Data: When enabled by you, access to camera (for QR code scanning or KYC), location (for fraud detection and compliance), contacts (for simplified transfers), and storage (for saving receipts or statements).
• Cookies & Tracking Data: Session cookies and analytics tools used to improve platform performance, secure login sessions, and deliver personalized insights.
How We Use This Information
• To enable CBDC transactions, eRupi voucher redemption, CPICBDC payments, and blockchainbased sidechain settlements.
• To process deposits, recurring deposits, investments, and crossborder transfers.
• To personalize your experience with rewards, royalty points, and smart financial insights.
• To comply with RBI regulations and ensure transparency in every transaction.
What We Never Collect
We do not access or store:
• Personal photos, videos, or media unrelated to banking services.
• Private messages, browsing history, or social media content.
• Sensitive personal files beyond what is required for KYC and compliance.
Information Sharing & Disclosure
At 1M Global Business Services Private Limited, we value your privacy and only share information when absolutely necessary. Your personal and financial data is never sold or shared for marketing purposes. Information may be disclosed to third parties only under the following circumstances:
• Regulatory Compliance: Shared with the Reserve Bank of India (RBI), government authorities, or law enforcement when required by law.
• Trusted Service Providers: Shared with technology partners, payment processors, or auditors strictly for operational purposes, under binding confidentiality agreements.
• Fraud Prevention & Security: Shared with security agencies or partners to detect and prevent unauthorized transactions.
• Customer Consent: Shared with third parties only when you explicitly authorize us (e.g., linking accounts, redeeming vouchers, or using partner offers).
We ensure that all third parties adhere to strict data protection standards and use your information only for the intended purpose.
Data Retention
We retain your information only for as long as necessary to provide services and comply with legal obligations:
• KYC & Compliance Records: Retained as mandated by RBI and Indian financial regulations.
• Transaction Data: Maintained for audit, dispute resolution, and regulatory reporting.
• User Account Data: Retained while your account is active. If you close your account, data is archived securely and deleted after the legally required retention period.
• Optional Data (e.g., analytics, personalization): Retained only with your consent and deleted upon withdrawal of consent.
All retained data is encrypted, stored securely, and subject to strict access controls. Once the retention period expires, data is permanently deleted or anonymized.
Information Security
At 1M Global Business Services Private Limited, we implement industryleading safeguards to protect your personal and financial data. All information is encrypted in transit and at rest, with multifactor authentication required for account access. Transactions processed through our CPICBDC wallet and blockchain sidechains are validated on tamperproof ledgers, ensuring immutability and transparency. We conduct regular audits, vulnerability assessments, and fraud monitoring to detect and prevent unauthorized activity. Access to sensitive data is strictly controlled, limited to authorized personnel, and governed by RBI compliance standards.
Your Rights in Relation to Sensitive Personal Data or Information
As a customer, you have clear rights regarding the sensitive personal data we collect and process:
• Right to Access: You may request details of the personal and financial information we hold about you.
• Right to Correction: You may update or correct inaccurate or incomplete information at any time.
• Right to Deletion: You may request deletion of your data, subject to mandatory retention periods under RBI and Indian financial regulations.
• Right to Withdraw Consent: For optional data usage (such as analytics or personalization), you may withdraw consent at any time.
• Right to Restrict Processing: You may request that we limit the use of your sensitive data to essential services only.
• Right to Transparency: You will be notified of any significant changes in how your sensitive data is collected, used, or shared.
We are committed to honoring these rights while balancing regulatory obligations, ensuring that your sensitive personal data is always handled with fairness, transparency, and respect. You may write to us at dataprivy@e1high.com to access, review, modify or correct your personal data or information or withdraw your consent to provide personal data or information.
Grievance Redressal
If you have concerns about your data privacy, you can contact our Data Protection Officer (DPO) at: privacy@e1high.com
We aim to resolve all complaints within 7 business days. If unresolved, you may escalate to the RBI Banking Ombudsman.
Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in regulations, technology, or our services. All updates will be published on this page, and significant changes will be communicated to customers directly.
Disclaimer
This Privacy Policy is tailored to e1high.com and complies with EU GDPR and Indian data protection laws and RBI directives. It does not apply to thirdparty platforms or services linked externally.
Acknowledgements
You hereby agree that the application and all documents submitted by you, to the extent permitted under applicable law, shall remain the property of M/s. 1M Global Business Services Private Limited. We are not obliged to return these documents upon request. Any unauthorized access to our platform constitutes a breach of these terms and a violation of applicable law. You agree to access the platform only through the official interface provided by M/s. 1M Gloal Business Services Private Limited.
You further acknowledge and agree that this Privacy Policy:
• Is clear, transparent, and easily accessible, providing statements of our policies and practices with respect to information security.
• Defines the various types of personal and sensitive personal data we collect.
• Explains the purposes for which such information is collected and used.
• Outlines the circumstances under which information may be disclosed.
• Establishes the reasonable security practices and procedures we follow to protect your data.
If you have any questions or concerns regarding this Privacy Policy, you may contact our Grievance Officer at the coordinates provided below. We are committed to addressing your queries promptly and transparently.
Grievance Officer (Name, Address and Telephone number will be updated soon).
Links to Other Sites
• Our platform may provide links to thirdparty advertisements, websites, or electronic communication services operated by independent third parties.
• Unless expressly specified, these links are not controlled, affiliated, or associated with e1high.com.
• We are not responsible for any transmissions, communications, or content you may receive from thirdparty websites.
• We make no representations regarding the privacy practices, policies, or terms of use of such third parties.
• We do not control or guarantee the accuracy, integrity, or quality of information, data, text, software, music, sound, photographs, graphics, videos, or other materials available on thirdparty websites.
• The inclusion or exclusion of links does not imply endorsement by e1high.com of the thirdparty website, its provider, or its content.
• Any information you provide to thirdparty websites will be governed by their own privacy policies, and we strongly recommend reviewing those policies before using such websites.