Introduction

Ritham Tours & Travels uses Razorpay as our primary payment gateway to process online payments securely. This policy explains how your payment information is handled when you make transactions through our website.

About Razorpay

Razorpay is a leading payment gateway in India, authorized by the Reserve Bank of India (RBI) and compliant with international security standards. When you make a payment on our website, your transaction is processed directly by Razorpay's secure servers.

Razorpay's Credentials

• RBI Authorization: Licensed payment aggregator
• PCI DSS Compliance: Level 1 certified for data security
• ISO Certification: ISO 27001:2013 certified
• Bank Grade Security: 256-bit SSL encryption

Payment Information Collection

Information Collected by Razorpay

• Card Details: Credit/debit card number, expiry date, CVV
• Banking Information: Net banking credentials, UPI details
• Digital Wallet: Wallet login credentials and transaction data
• Transaction Data: Amount, currency, merchant details
• Device Information: IP address, browser type, device fingerprint

Information NOT Stored by Us

• We do not store your card details on our servers
• CVV numbers are never stored anywhere
• Banking passwords are not accessible to us
• UPI PINs are handled directly by Razorpay

How Payment Processing Works

Data Security Measures

Encryption and Security

• SSL/TLS Encryption: All data transmitted using 256-bit encryption
• Tokenization: Card details replaced with secure tokens
• Secure Vaults: Payment data stored in PCI compliant vaults
• Multi-Factor Authentication: Additional security layers for transactions

Fraud Prevention

• Real-time Monitoring: AI-powered fraud detection
• Risk Scoring: Each transaction assessed for risk
• Velocity Checks: Unusual transaction patterns flagged
• Device Fingerprinting: Suspicious devices identified

Information Sharing

Razorpay Shares Information With:

• Banks and Card Networks: For transaction processing and authorization
• Regulatory Authorities: As required by RBI and other financial regulators
• Merchants (Us): Transaction status, customer details for order fulfillment
• Service Providers: Technical partners for infrastructure and security

Information We Receive from Razorpay:

• Transaction ID and status
• Payment method used (card/UPI/wallet)
• Last 4 digits of card (for reference)
• Customer email and phone (if provided)
• Transaction amount and currency

Your Rights and Controls

Payment Data Rights

• Access: Request information about your payment data
• Correction: Update incorrect payment information
• Deletion: Request deletion of payment records (subject to legal requirements)
• Portability: Receive your payment history in portable format

How to Exercise Rights

• Contact Razorpay: privacy@razorpay.com
• Contact Us: info@rithamtravels.in
• Customer Support: +91 97871 10763

Refunds and Disputes

Refund Processing

• Refunds are processed through the same payment method
• Razorpay handles the technical aspects of refund processing
• Refund timeline depends on your bank/card issuer
• You will receive email confirmation for all refunds

Dispute Resolution

• Payment disputes can be raised with Razorpay or your bank
• Chargeback processes are handled as per card network rules
• We cooperate fully with legitimate dispute investigations

Data Retention

Razorpay's Retention Policy

• Transaction Records: Retained for 7 years as per RBI guidelines
• Card Tokens: Stored securely for recurring payments (if applicable)
• Fraud Data: Retained for security and compliance purposes
• Audit Logs: Maintained for regulatory compliance

Our Retention Policy

• We retain transaction IDs and status for 7 years
• Customer payment preferences stored until account deletion
• Refund records maintained for accounting purposes

International Transfers

• Razorpay may transfer data to international partners for processing
• All transfers comply with Indian data protection laws
• Adequate safeguards are in place for international transfers
• Data is processed in secure, compliant facilities

Contact Information

• info@rithamtravels.in
• +91 97871 10763
• 24/7 Available
• Live Chat Support

• 🔒 256-bit SSL Encryption
• 🛡️ PCI DSS Compliance
• 🔐 Secure Tokenization
• 🚨 Fraud Detection
• ✅ RBI Authorized

• 💳 Credit/Debit Cards
• 🏦 Net Banking
• 📱 UPI Payments
• 💰 Digital Wallets
• 💸 EMI Options