Privacy Policy
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1. Information We Collect
We may collect the following types of information:
Personal Information: Name, email address, phone number.
Financial Information: Payment details necessary for processing transactions.
Location Data: Precise location information to provide location-based services.
Contacts: Access to your contacts to facilitate payments.
User Content: Emails or text messages sent through the App.
Identifiers: User ID for account management.
Usage Data: Interactions with the App to improve functionality.
Diagnostics: Crash data to diagnose and fix issues.
2. How We Use Your Information
We use the collected information for the following purposes:
2.1 Core Service Functions
Transaction Processing:
Processing payments and transfers
Facilitating escrow services
Managing digital wallet operations
Account Management:
User authentication and verification
Account security maintenance
Profile updates and management
2.2 Service Improvement
Platform Enhancement:
Analyzing user behavior patterns
Identifying usage trends
Optimizing user interface and experience
Technical Improvements:
Bug detection and resolution
Performance optimization
Service reliability enhancement
2.3 Communication
Service Communications:
Transaction confirmations
Security alerts and notifications
Account status updates
Customer Support:
Responding to inquiries
Resolving disputes
Providing technical assistance
2.4 Legal and Compliance
Regulatory Compliance:
KYC (Know Your Customer) verification
Anti-money laundering checks
Tax reporting requirements
Legal Obligations:
Responding to legal requests
Fraud prevention and detection
Maintaining transaction records
3. Sharing Your Information
At holdxpay, we maintain a strict closed development environment and do not share your personal information with any third parties.
3.1 No Data Sharing Policy
Zero Third-Party Sharing:
We do not sell your personal data
We do not share data with external partners
We do not allow third-party access to user information
Internal Usage Only:
Data access is restricted to authorized holdxpay personnel only
Strict internal data handling protocols
Comprehensive employee confidentiality agreements
3.2 Exceptions
We may only disclose information in the following limited circumstances:
Legal Requirements:
Court orders or subpoenas
Regulatory compliance requirements
Law enforcement requests
User Authorization:
Explicit written consent from the user
Specific purpose and duration
Limited to authorized information only
3.3 Data Security
holdxpay implements industry-leading security measures to protect your data:
3.3.1 Infrastructure Security
System Architecture:
End-to-end encryption (256-bit AES)
Multi-layered firewall protection
DDoS attack prevention systems
24/7 infrastructure monitoring
Data Centers:
ISO 27001 certified facilities
Redundant power systems
Biometric access controls
Regular security audits
3.3.2 Data Protection
Encryption:
TLS 1.3 for data in transit
Hardware Security Modules (HSM)
Secure key management system
Regular encryption key rotation
Access Control:
Role-based access control (RBAC)
Multi-factor authentication (MFA)
IP whitelisting
Session management and timeouts
3.3.3 Security Monitoring
Real-time Monitoring:
AI-powered threat detection
Behavioral analytics
Automated alert systems
Security incident logging
Regular Assessments:
Penetration testing
Vulnerability scanning
Security compliance audits
Third-party security assessments
3.3.4 Incident Response
Response Protocol:
24/7 security team
Documented response procedures
Automated containment measures
Customer notification system
Recovery Measures:
Real-time data backups
Disaster recovery plans
Business continuity procedures
Post-incident analysis
4. User Rights
At holdxpay, we ensure that all users have complete control over their personal information. You have the following rights regarding your data:
4.1 Access and Control Rights
Right to Access:
View all personal data we hold about you
Request copies of your data in machine-readable format
Access transaction history and usage logs
Right to Rectification:
Update incorrect information
Complete any incomplete information
Modify profile details as needed
4.2 Privacy Controls
Right to Delete:
Request complete deletion of your account
Remove specific data points
Erase transaction history (subject to regulatory requirements)
Right to Restrict:
Limit data processing activities
Opt-out of specific features
Control notification preferences
4.3 Data Portability
Export Options:
Download your data in common formats (CSV, JSON)
Transfer data to other services
Receive structured data reports
Data Formats:
Transaction records
Account information
Usage history
4.4 Exercise Your Rights
To exercise any of these rights, you can:
Through Dashboard:
Access privacy settings
Use self-service tools
Manage data preferences
Contact Support:
Email: info@holdxpay.com
Response time: Within 48 hours
No fees for data requests
5. Data Retention
holdxpay maintains specific data retention policies to ensure compliance with legal requirements while protecting user privacy:
5.1 Retention Periods
Active Accounts:
Account information: Throughout active service period
Transaction records: Minimum 7 years
Communication logs: 2 years
Inactive Accounts:
Basic account data: 3 years after last activity
Transaction history: 7 years (regulatory requirement)
Usage logs: 1 year after account inactivity
6. Children’s Privacy
holdxpay services are not intended for users under 18 years of age.
6.1 Age Restrictions
Minimum age requirement: 18 years
No deliberate collection of children’s data
Immediate deletion of underage user accounts
Parental notification if underage use is discovered
6.2 Verification Measures
Age verification during registration
ID validation for certain services
Regular account audits
7. Compliance
holdxpay adheres to multiple regulatory frameworks and standards:
7.1 Regulatory Compliance
Financial Regulations:
RBI Guidelines
Anti-Money Laundering (AML) requirements
Know Your Customer (KYC) norms
Data Protection:
Information Technology Act, 2000
Personal Data Protection Bill compliance
International data protection standards
7.2 Security Standards
ISO 27001 certification for information security
Regular security audits and assessments
7.3 Legal Entity Information
holdxpay services are provided by KHUSHAANSH1923 TECH SERVICES PRIVATE LIMITED., a legally registered entity in India.
Company Details:
Registered Name:KHUSHAANSH1923 TECH SERVICES PRIVATE LIMITED
Corporate Identity Number (CIN):
Registered Office Address:
7.4 Geographical Restrictions
Our services are strictly limited to the following jurisdictions:
Primary Service Area:
Republic of India
Indian Territories as defined by RBI regulations
Access Restrictions:
Geo-location verification required for service activation
IP-based restriction for non-supported regions
Mandatory Indian mobile number verification
Compliance Measures:
Automated jurisdiction verification
Regular compliance audits
Blocked access from restricted territories
8. Changes to This Policy
holdxpay reserves the right to update this privacy policy as needed:
8.1 Policy Updates
Notification Process:
Email notification of significant changes
30-day advance notice for material changes
In-app notifications of updates
Version Control:
Policy version history maintained
Archive of previous versions available
Change logs accessible to users
8.2 User Rights During Changes
Right to review changes before acceptance
Option to terminate service if changes are unacceptable
Grace period for decision-making
Refund Policy
KHUSHAANSH1923 TECH SERVICES PRIVATE LIMITED. is committed to ensuring fair, transparent, and comprehensive refund processes for all our users. This detailed Refund Policy outlines the terms, conditions, and procedures for obtaining refunds on our digital services platform.
1. General Refund Principles
Our refund policy is designed to protect both service providers and clients while maintaining the integrity of our platform. All refund requests are carefully evaluated based on:
Transaction status and completion stage
Nature of the service provided
Timing of the refund request
Validity of the reason provided
Supporting documentation
2. Types of Refundable Transactions
2.1 Escrow Services
Full Refunds: Available when:
Service provider fails to initiate the service within 48 hours
Both parties mutually agree to cancel before service delivery
Platform technical issues prevent service delivery
Partial Refunds: Applicable for:
Incomplete service delivery with mutual agreement
Dispute resolution outcomes
Quality issues with delivered services
2.2 Milestone-Based Projects
Individual Milestone Refunds:
Refundable if milestone deliverables are not met
Subject to review of completion criteria
Requires documentation of non-delivery or quality issues
Project Cancellation Refunds:
Pro-rated based on completed milestones
Administrative fees may apply
Subject to project terms and conditions
3. Non-Refundable Items
The following fees and charges are non-refundable:
Platform registration fees (one-time payment)
Transaction processing fees (as per payment gateway charges)
Dispute resolution fees (case-specific)
Successfully completed service charges
Administrative fees for refund processing (up to 5% of transaction value)
Third-party service integration fees
Account maintenance charges
Premium feature subscription fees
4. Refund Process and Timeline
4.1 Submission Requirements
To initiate a refund request, users must provide the following mandatory information:
Transaction ID and date of the original transaction
Detailed reason for refund request with specific issues encountered
Supporting documentation or evidence (screenshots, communication logs, error messages)
Complete communication history with service provider (if applicable)
Preferred refund method and account details
Declaration of authenticity for provided information
Any relevant order numbers or service identifiers
Details of attempted resolution steps
4.2 Processing Timeline
Initial Review Period: 2-3 business days
Verification of submitted documents
Authenticity check of claims
Service provider consultation
Approval Process: 1-2 business days
Internal assessment completion
Risk evaluation
Compliance check
Refund Processing: 4-5 business days
Payment gateway processing time
Bank settlement period
Total Timeline: 7-10 business days
5. Dispute Resolution
In cases where parties disagree on refund terms, we follow a structured resolution process:
Level 1: Platform Mediation
Dedicated dispute resolution team intervention
Evidence review and assessment
Facilitated communication between parties
Level 2: Third-party Arbitration
Independent arbitrator assignment
Formal hearing process
Evidence-based resolution
Final Decision Implementation
Binding resolution for all parties
Mandatory compliance requirements
Appeal process (if applicable)
Complete documentation and record-keeping of all communications
6. Special Circumstances
Extended refund considerations may apply in cases of:
Force majeure events
Platform technical failures
Regulatory compliance issues
Fraud or security breaches
Legal requirements
DISPUTE SERVICES
A. Eligibility Holdxpay offers the Dispute Resolution Service to those Registered Users that have requested Holdxpay to assume all or a portion of the payment liability for services and who are engaged in a dispute over a Project that is (i) pursuant to a project posting by an Employer through the Website, (ii) pursuant to a proposal for by a Freelancer through the Website for such project posting and (iii) pursuant to an acceptance through the Website by the Employer for such proposal. Employer and Freelancer agree and acknowledge that, with respect to Assumed Payment Liabilities, any and all disputes relating to the underlying fees shall be governed by this policy.
B. Process
Mediation In any dispute between Registered Users relating to a Project that is eligible for Dispute Resolution Service, you agree to mediate such dispute in good faith before Holdxpay for a period of ten (10) business days. Such ten business day period shall be deemed to have begun the day that either party requests Dispute Resolution Service through the Website. If the result of such mediation is acceptable to both parties in a dispute, you agree to indicate your approval of such mediation through the Website and Holdxpay will disburse funds in accordance with the results of such mediation. If you are dissatisfied with the progress, or if ten (10) business days have lapsed since you have notified Holdxpay of a dispute between you and a Freelancer, you agree to submit your dispute to binding arbitration as further set forth below.
Arbitration In any dispute between an Employer and a Freelancer which cannot be resolved through mediation, you expressly agree to and acknowledge that Holdxpay or a third party chosen by Holdxpay will arbitrate the dispute in accordance with these Terms of Service and the Website.
You acknowledge and agree that Holdxpay will construe any Project Agreement based on the transaction’s course of dealing and common industry practices. Specifically, in rendering its decision, the arbitrator shall only be obligated to consider the following: (i) the Project Agreement, (ii) the parties’ course of dealings, as evidenced by activity on or communications through the Website,or application (iii) the Project itself and (iv) any information or communication that the Employer and the Freelancer agree should be considered.
Holdxpay shall render its decision within five (5) business days of a failed mediation. During this time, you are encouraged to continue to negotiate an amicable settlement with the Freelancer with which you are engaged in a dispute.
You agree that the decision of Holdxpay, acting as an arbitrator, shall be final, binding, and not subject to appeal. Accordingly, within a reasonable time after we have rendered a decision, we will transfer funds in accordance with the arbitrator’s decision.
In the event that you are the prevailing party in its arbitration decision, you agree that you shall have no right, title to, interest in or license to the Project that is the subject matter of the dispute. In such case, you agree to return any physical copies of such Project in your possession and destroy any electronic copies that you have.
C. Communication You agree and acknowledge that
Holdxpay will use the e-mail address corresponding with your Account registered at the time a dispute arises to notify and communicate with you with regard to any dispute.
You are solely responsible for the receipt of any notification or communication sent by Holdxpay using the e-mail address corresponding with your Account registered at the time a dispute arises.
D. Acknowledgements
Holdxpay is not providing legal consulting services.
Holdxpay will not advise you regarding any legal matters
If you desire to have legal counsel, you will seek independent legal counsel licensed to practice law in your jurisdiction and not rely on Holdxpay for any such counsel. You agree to indemnify and hold harmless Holdxpay and any of our affiliates against any damages or liability you may suffer as a result of using the Dispute Resolution Service. If you do not agree to use this Dispute Resolution Service under these terms, you should not request Holdxpay to assume the Assumed Payment Liabilities.
7. Refund Methods
Refunds will be processed through:
Original payment method (preferred)
Platform wallet credit
Bank transfer (for specific cases)
Alternative payment methods (upon approval)
8. Contact Information
For refund-related queries or assistance:
Email: info@holdxpay.com
Support Ticket: Available through dashboard
Phone Support: +91 7727077945 (Business hours only)
Note: This refund policy is subject to change with notice to users. All refunds are processed in accordance with applicable laws and regulations.
Return Policy
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At KHUSHAANSH1923 TECH SERVICES PRIVATE LIMITED., we understand the importance of clear and comprehensive policies regarding our digital services. While traditional returns are not applicable to our digital platform, we have established detailed guidelines for service cancellations and adjustments.
1. Digital Service Nature
Our platform exclusively provides digital services, including:
Payment processing services
Digital escrow services
Online transaction management
Digital wallet services
Payment gateway integration
2. Cancellation Categories
2.1 Pre-activation Cancellations
Timing: Before service activation
Eligibility: PG(payment getway charges not to be returned) after 100% cancellation accepted
Processing time: 24-48 hours
Documentation required: Cancellation request for
2.2 Post-activation Cancellations
Within 24 hours:
Full cancellation if service is unused
Administrative fee may apply
Subject to verification of non-usage
After 24 hours:
Limited cancellation options
Case-by-case evaluation
Partial refunds may apply
3. Escrow Transaction Cancellations
3.1 Pre-transfer Stage after PG charges
Full cancellation available when:
No funds have been transferred
Both parties agree to cancellation
No service delivery has commenced
Documentation required:
Cancellation request from both parties
Reason for cancellation
Transaction details
3.2 Post-transfer Stage
Limited cancellation options:
Subject to escrow terms
Requires mutual agreement
May involve dispute resolution
4. Milestone-based Service Cancellations
4.1 Requirements for Cancellation
Written agreement from all parties
Detailed documentation of completed work
Settlement of partial payments
Agreement on deliverables handling
4.2 Cancellation Process
Step 1: Submit cancellation request
Step 2: Review of completed milestones
Step 3: Agreement on settlement terms
Step 4: Final documentation and closure
5. Non-cancellable Services
The following services cannot be cancelled:
Completed transactions
Used digital services
Platform usage fees
Processing charges
Dispute resolution fees
6. Cancellation Request Process
6.1 Required Information
Account details
Transaction ID
Service type
Reason for cancellation
Supporting documentation
6.2 Processing Timeline
Review period: 1-2 business days
Verification process: 2-3 business days
Final processing: 3-5 business days
7. Special Circumstances
Special consideration for cancellations may be given in cases of:
Technical platform issues
Service unavailability
Regulatory requirements
Force majeure events
Security concerns
8. Contact for Cancellations
To initiate a cancellation request:
Email: info@holdxpay.com
Support portal: Available 24/7
Phone: +91 7727077945
Note: This return policy primarily addresses service cancellations and is subject to updates. All cancellations are processed in accordance with our terms of service and applicable regulations.
Shipping Policy
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holdxpay is a digital-only service provider. We do not ship physical products or goods.
1. Digital Service Delivery
Instant Activation:
Services activated within 5 minutes of payment confirmation
Automatic system provisioning
Real-time access credential delivery
Delivery Confirmation:
Email confirmation with activation details
SMS notifications (if enabled)
In-app notifications
2. Service Access Methods
Web Platform:
24/7 access via web browser
Secure login portal
Multi-device compatibility
Mobile Application:
Available on iOS and Android
Instant synchronization
Offline capabilities for certain features
3. Delivery Timeline
Standard Services:
Instant access post-payment
No waiting period
Automatic account setup
Premium Features:
Same-day activation
Priority setup assistance
Dedicated onboarding support
4. Service Availability
Platform Uptime:
99.9% service availability
24/7 system monitoring
Regular maintenance updates
Geographic Accessibility:
Available across India
Region-specific features
Local regulatory compliance
5. Technical Requirements
Minimum Requirements:
Stable internet connection
Updated web browser
Compatible mobile device
Recommended Setup:
High-speed internet (4G or better)
Latest browser version
Updated mobile OS
6. Support Services
PROJECT CONTESTS TERMS AND CONDITIONS
A. Buyers can promote a Contest hosted on the Website by providing a Contest Brief and paying the Contest Prize in accordance to our instructions provided on the Website. A Buyer which promotes a Contest acknowledges and agrees that it is solely responsible for the operation and promotion of the Contest and warrants that it will comply with all applicable laws in respect of the operation and promotion of the Contest. We have no liability for loss suffered by a User in connection with a Contest including but not limited to loss suffered (or penalties imposed) in connection with a contravention of law.
B. Entrants may submit their entries in image formats as specified on the Website. All entries must comply with the Contest Brief and must not infringe any Intellectual Property Rights. Any entry which infringes any Intellectual Property Rights will be an ineligible entry and subject to removal either by the Buyer or us and subject to action as per our Copyright Infringement Policy.
C. Buyers can promote either: (1) a regular prepaid Contest, under which a Buyer may select one or more winning Entrant(s) or Buyers may request that the Contest Prize be refunded to them if a winner has not been chosen within 30 days of the contest closing date; or (2) a guaranteed Contest, under which a Buyer may select one or more winning Seller(s) and if no winner is selected, we will release the Contest Prize to Entrants of the guaranteed Contest and charge the appropriate fees and the Buyer will have no rights to have the Contest Prize released to them or to use any entries that have been submitted. After 30 days of the contest closing date, we reserve the right to distribute the contest prize to the participating freelancers. However, In rare cases, We have a right to refund the money associated with a Guaranteed Contest if we find that the Contest didn’t get any appropriate entries.
D. After awarding a Contest Prize, the Buyer and winning Entrant(s) will enter into a Contest Handover and when the winning Entrant(s) has uploaded the winning entry (including all related files) to the Buyer, the Contest Prize will be released to the winner of the Contest unless disputed by the Buyer in which case the dispute must be resolved between the Buyer and winning Entrant(s) before we can release the Contest Prize to the winning Entrant(s).
E. Close relatives, friends and family members of the Contest host are not allowed to participate in the Contest.
F. Charges paid for add ons like “FEATURED”, “TOP CONTEST”, “URGENT”, “SEALED” etc are NON REFUNDABLE charges and they will not be refunded to the user under any circumstances.
G. For avoidance of doubt, the Buyer has no right or license to use any entries other than the winning entry/entries. The Buyer may not: (1) promote a Contest via the Website if the Buyer is hosting a similar contest through another service; (2) allow or request Sellers to submit entries to the Buyer via other means than the Website; and (3) award another Account that might be deemed as collusion or awarding another Account owned by the Buyer.
. Restricted / Prohibited Projects / Work activities
Gambling
Online Gaming
Adult Content & Services
Get rich quick schemes
Video game or virtual world credits
Money exchange services
Virtual currency buy/sell/exchange
Remittance payments
Use of HOLDXPAY in a manner inconsistent with its intended use or as expressly prohibited activities.
For service delivery assistance:info@holdxpay.com
Technical Support:info@holdxpay.com contect 7727077945
