Introduction — We Value Your Privacy
At AR Wallet (also known as ARB Wallet, ARWallet, and ARPay), we take your privacy very seriously. This Privacy Policy explains what personal information we collect, how we use it, and how we keep it safe when you use the AR Wallet app or visit arwallet.co.
We have written this policy in simple, plain language because we want you to actually understand it — not just skip past it. Please take a few minutes to read it.
What Data We Collect
When you register and use the AR Wallet app, we collect certain information to provide you with the service. Here is a clear breakdown:
| Data Type | Why We Collect It |
|---|---|
| Mobile Number | Account registration and login verification |
| UPI ID | To receive payments when you sell ARB tokens |
| Device Information | Security — to detect and prevent duplicate accounts and fraud |
| IP Address | Security monitoring and fraud prevention |
| Transaction Records | Trade history, dispute resolution, and platform safety |
| Login Activity | Account security and monitoring for unusual access |
| App Usage Data | Improving the app experience and fixing bugs |
What We Do NOT Collect
- We do not collect your full bank account numbers
- We do not collect your UPI PIN, passwords, or OTPs
- We do not collect your Aadhaar, PAN, or government ID numbers
- We do not access your phone contacts, camera, or files unless you grant specific permission
How We Use Your Data
We use the information we collect only for the following purposes:
- Account Management: Creating, verifying, and managing your AR Wallet account
- Trade Facilitation: Matching buyers and sellers and processing order confirmations
- Fraud Prevention: Detecting duplicate accounts, suspicious activity, and protecting honest users
- Dispute Resolution: Reviewing transaction records when a user raises an Appeal
- Customer Support: Helping you when you contact us through in-app live chat
- Platform Improvement: Understanding how users interact with the app so we can make it better
- Security Notifications: Alerting you about suspicious login attempts or important account changes
Data Sharing Policy
AR Wallet does not sell your personal information to any third party, ever. However, there are limited situations where we may share your data:
When You Trade
When you complete a trade, the other user (buyer or seller) will see your UPI ID so they can make or receive payment. This is necessary for the C2C trading process to work. You agree to this when you link your UPI to your account.
Legal Requirements
We may be required by law to share certain information with Indian government authorities or law enforcement agencies if legally compelled to do so — for example, in cases of fraud investigation or court orders.
Platform Security Partners
We may use trusted third-party security and analytics tools to help us monitor for fraud and improve app performance. These partners are contractually bound to keep your data confidential and may not use it for any other purpose.
How We Protect Your Data
Keeping your data safe is one of our top priorities. Here is what we do to protect your information:
- Two-Factor Authentication (2FA): Every login requires your mobile number plus a verification step
- Device Binding: Your account is linked to your specific device to prevent unauthorised access from other devices
- Encrypted Data Storage: All sensitive data is encrypted when stored on our servers
- 24/7 Transaction Monitoring: Our systems watch for unusual patterns that could indicate fraud
- Secure Connections: All data transmitted between the app and our servers uses HTTPS encryption
Cookies & App Tracking
Our website arwallet.co may use basic cookies to improve your browsing experience. These cookies do not contain personal information and are used only for:
- Remembering your session so you do not have to log in again on every visit
- Basic website analytics (number of visitors, page load times)
- Ensuring website security
You can disable cookies in your browser settings at any time. However, doing so may affect some features of the website. The AR Wallet app uses local device storage to maintain your session — this is not the same as web cookies and is necessary for the app to function.
Your Rights as a User
As an AR Wallet user, you have the following rights regarding your personal data:
- Right to Know: You can ask us what personal data we hold about you
- Right to Correct: You can update your mobile number or UPI ID inside the app at any time
- Right to Delete: You can request that your account and associated data be deleted by contacting support through in-app chat
- Right to Withdraw Consent: You can stop using the app at any time — continued use means continued consent to this policy
To exercise any of these rights, please contact our team through the official in-app live chat. We will respond to all data-related requests within a reasonable timeframe.
Please note: Some data (such as transaction records) may be retained for a period after account deletion for legal compliance and fraud prevention purposes.
Children's Privacy
The AR Wallet app is strictly for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18.
If we discover that we have accidentally collected information from a minor, we will immediately delete that account and all associated data. If you believe a minor has registered on the platform, please contact us through in-app chat immediately.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the date at the top of this page.
We encourage you to review this policy periodically. Continued use of the AR Wallet app after any changes means you accept the updated Privacy Policy. If you disagree with any changes, please stop using the platform and contact us to request data deletion.
Questions? Contact Us
If you have any questions, concerns, or requests related to this Privacy Policy or how we handle your data, please get in touch with us through:
- In-App Live Chat: Open the AR Wallet app → Profile → Support
- Telegram Community: Join our Telegram
- Contact Page: arwallet.co/contact.html