Privacy Policy

Last updated: March 31, 2024

BAYA PTE. LTD. along with its subsidiaries (“BAYA”) is engaged in the business of providing technology services and products to various merchants, in addition to certain data processing services/ credit risk and other evaluations to Partner Banks and Non-Banking Financial Companies. This Privacy Policy (‘Policy”) is applicable to Baya Pte. Ltd. & its subsidiary Indian entity Baya Finserv Technologies Private Limited. 

This Privacy Policy ("Policy”) is an integral part of the BAYA terms of use (“Agreement”) and is incorporated therein by reference for access and use of this website. Capitalised terms not defined in this Privacy Policy shall have the meaning ascribed to them in the Agreement. This Privacy Policy shall be read in conjunction with the Agreement.

BAYA provides this privacy policy in connection with an individual’s use of any of BAYA’s products or services or its website. (“BAYA’s Privacy Policy”).

For the purposes of BAYA’s Privacy Policy, the term “you” or “your” relates to the individual (i) who applies for, or obtains, any of BAYA’s products or services (ii) who visits the website. The term “BAYA,” “we,” or “our” refers to BAYA PTE LTD., its affiliates and subsidiaries.

Under this Policy we inform you regarding the manner in which we collect, store, use, disclose, transfer and process your Personal Information when you use our website, or avail any products or services which we may operate or offer to you either directly through our Websites or Platforms or through a merchant or partner platform; including the steps we take to protect your Personal Information.

BAYAs Privacy Policy applies to personally identifiable information about you, which we refer to as “your information”. In connection with BAYA’s treatment of your information, BAYA’s Privacy Policy describes the policies and procedures (including a summary of the relevant security controls) that BAYA’s uses when collecting, maintaining, using, or transmitting (or “disclosing”) to others any of your information. Please carefully read BAYA’s Privacy Policy before use of its services/ platform.

You should be aware that this website is not intended for, or designed to attract, individuals under the age of 18. We do not collect personally identifiable information from any person we actually know is an individual under the age of 18. Further, the terms of use/ Agreement and this Privacy Policy is updated from time to time, we encourage you to be abreast with the current versions by returning to this page to read the updated policy, from time to time.

This privacy policy sets out the information practices Baya follows including but not limited to the type of information being collected, the mode of collection of such information, its utilisation thereof and with whom it is shared.

Definitions:  In this Privacy policy, unless the context otherwise provides: 

Force Majeure Event shall mean any event that is beyond Baya’s reasonable control and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action or any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to your mobile or storage device, crashes, breach of security and encryption etc.

Personal Information” refers to any information that identifies or can be used to identify, contact or locate the person, to whom such information pertains including, but not limited to, name, address, phone number, email address, identification number and/or documents and any other information disclosed by you in relation to the Services.

Sensitive Information” shall mean such personal data and/or information which consists of information relating to passwords, financial information such as bank account or credit card or debit card or other payment instrument details, biometric information, details of nominees and national identifiers including but not limited to: Aadhaar card, passport number, PAN, etc. For customers enrolled in Services provided by Baya personal information about the transaction is collected shall be termed as Sensitive Information, provided any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or Sensitive Information for the purpose of this Privacy Policy and/or the Terms and Conditions of the Services being rendered by Baya.

Third Party” refers to any person or entity other than you or Baya.  

Personal Information / Sensitive Information that may be collected and manner of its use:

Personal Information provided by you in relation to the use of the Website: In order for you to access the Website, Baya may collect your Personal Information and / or Sensitive Information as may be required for the purposes connected thereto. Baya endeavours to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.


Cookies are small pieces of information saved by your browser onto your mobile device. Cookies are used to record various aspects of your visit and assist Baya to provide you with uninterrupted service.  Cookies may be set in your browser by Baya when you access the Services or may be set in when you visit Third Party websites.
This anonymous information is maintained distinctly and is not linked to the Personal Information that you submit to Baya.  

Baya uses cookies collected to:

  • Authenticate your login information
  • Enable Baya’s security features;
  • Show you advertising; and
  • Improve and develop the features of the Website.

Please feel free to change your browser settings if you do not wish to accept cookies.  However, please note that changing your browser setting may affect your experience on the Services.

Password Policy:

Do help us protect your privacy by maintaining the secrecy of your username & password you use for any of our services. You should not share your username & password or other security related information with anyone. If we receive instructions using your username & password, we will consider that you have authorized the instructions. 


In addition to the cookies, Baya may also collect information to enable it to better understand you so that Baya can improve your user experience; to assist Baya’s customer service and technical support personnel; and put processes in place to prevent fraud and unlawful use.  In an effort to make the Website effective and improve the Website, certain information may be collected each time you access the Website.  Such information may be saved in server logs in an encrypted form which may not identify you personally.  Such information or data may include, but shall not limit to, IP address, your server details, duration of your visit, date, time or purpose of your visit. In addition to cookies Baya uses web beacons, ad tags, pixels to advertise as part of the Services. The above mentioned data may be used by Baya and may be shared with their sponsors, investors, advertisers, developers, strategic business partners or other associates to enhance and grow the user experience in relation to the Website.  

Purpose and Usage:

Baya uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalised online experience on its website. Further, it enables Baya to:

  • Process applications, requests and transactions
  • Maintain internal records as per regulatory guidelines
  • Provide services to customers, including responding to customer requests
  • Comply with all applicable laws and regulations
  • Recognise the customer when he conducts online transactions
  • Understand the needs and provide relevant product and service offers
  • Obtain necessary rankings / ratings from various agencies (including Transunion CIBIL Ltd, Experian credit information company of India Pvt ltd, Equifax Credit Information Services Pvt Ltd, Crif Highmark Credit Information Services Pvt Ltd, Score Me Solutions Pvt Ltd)

Other uses of the information provided:

Baya makes all efforts to ensure that they collect only such Personal Information that they believe to be relevant in order to record, support, and facilitate your access to the website.  

Sharing information with Third Party service providers in relation to the Services:  

To the extent necessary to provide you the Services, Baya may provide your Personal Information to Third Party contractors who work on behalf of or with Baya to provide you with such services, to help Baya communicate with you or to maintain the Services.


Baya may offer email, short message service (sms), multimedia message service (mms) or other forms of communication to share information with you about certain promotions or features the Services may choose to offer or about their affiliates, subsidiaries, business partners, advertisers and sponsors. You may receive such communication when you have registered as a User.

Disclosure of Information:

Baya may make disclosures of information diligently which is required pursuant to law or court order or under any legal procedure. Baya may or may not notify you for the same.

Link to Third Party apps and websites:

The Website and any communication sent to you may also contain/display Third Party advertisements and links to other websites or products and services. You agree and acknowledge that these apps and websites are operated by Third Parties and are not controlled by, or affiliated to, or associated with Baya unless expressly specified. Baya is not responsible for any form of transmission, whatsoever, received by you from any such Third Party. Accordingly, Baya does not make any representations concerning the privacy practices or policies of such Third Parties or terms of use of such websites or apps, nor does it control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such websites or apps. The inclusion or exclusion does not imply any endorsement by Baya of the website, the Third Party, or the information on the website. The information provided by you to such Third Party websites shall be governed in accordance with the privacy policies of such websites and it is recommended that you review the privacy policy on any such websites and apps prior to using such websites.

These Third Party websites and apps and advertisers may use technology to send the advertisements directly to your browser. In such cases, the Third Party websites or advertisers automatically receive your IP address. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Baya does not have access to or control over cookies or other features that such Third Party websites and apps and advertisers may use, and the information practices of these Third Party websites and apps and advertisers are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices.


Baya strives to ensure the security, integrity and privacy of your Personal Information and Sensitive Information. To protect your Personal Information / Sensitive Information against unauthorized access or unauthorized alteration, disclosure or destruction.

Baya is  not responsible for any breach of security or for any actions of any Third Parties that receive your Personal Information / Sensitive Information. Baya is not/shall be not responsible for privacy policies or practices of such third parties as it is beyond Baya’s control.

Notwithstanding anything contained in this Privacy Policy or elsewhere, Baya shall not be held responsible for any loss, damage or misuse of your Personal Information / Sensitive Information, if such loss, damage or misuse is attributable to a Force Majeure Event.


Information may be retained for a duration, required by regulatory clauses or as long as required to achieve the identified (and notified) purpose. If you have any questions about this Privacy Policy, please feel free to write to us at

Third Party content:

Baya cannot and will not assure that other Users are or will be complying with the foregoing rules or any other provisions of this Privacy Policy and other Terms and Conditions, and, as between you and Baya, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

You acknowledge that when you access a link when accessing the Website, the site you will enter into is not controlled by Baya and different terms of use and privacy policy may apply. By assessing links, you acknowledge that Baya is not responsible for those sites. Baya reserves the right to disable links to and / or from third-party sites to the Website, although Baya is under no obligation to do so. If you have any queries, concerns or complaints about such third party websites or mobile applications you must direct them to the operator of that third party website or mobile application.

Baya has no control over and accepts no responsibility for the content of any website or mobile application to which a link from the Website exists (unless Baya is the provider of those linked websites or mobile applications). Such linked websites and mobile applications are provided “as is” for your convenience only with no warranty, express or implied, for the information provided within them.

Changes to Privacy Policy:

Baya reserves the right to change or update this privacy policy or any other policies/practices at any time without giving any prior notification;

Intellectual Property Rights:

Baya retains all rights (including copyrights, trademarks, patents as well as any other intellectual property rights) in relation to all information on or via this website (including all texts, graphics & logos) 


You consent to the collection and use of the information you disclose to Baya in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this Privacy Policy. 


Kindly note that Baya does not collect information about individuals except when such individuals specifically provide such information on a voluntary basis. Upon such voluntary disclosure of information, we may further verify, collate or receive information about you from publicly and commercially available sources, which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. Baya shall, at all times, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection, confidentiality and safeguarding of your personal data and information, including Personally Identifiable information, as the same is of vital importance to Baya . At Baya, we are strongly committed to protecting the information that you submit to us. Personal information of individual users will not be sold, shared or otherwise transferred to unaffiliated third parties without your approval at the time of collection for any purpose other than providing the Services. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure.

By accepting this Privacy Policy, you accept that such transmission of your personal information is done at your own risk.

Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or Associates of Baya and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for Baya and/or its group companies/affiliates.

No Contractual Obligation: 

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.