Google India Digital Companies, which operates the Google Pay app, has instructed the Delhi Excessive Courtroom that it’s allowed to share prospects transaction knowledge with third events with the prior permission of NPCI and fee service offering (PSP) banks.
The submission has been made by Google in its affidavit filed earlier than a bench of Chief Justice D N Patel and Justice Prateek Jalan in response to a PIL searching for motion in opposition to Google Pay for allegedly violating the RBI’s pointers associated to knowledge localisation, storage and sharing.
The excessive courtroom on Thursday listed the matter for listening to on November 10 because the Centre and Reserve Financial institution of India (RBI) haven’t filed their responses but.
Google, in its affidavit, has contended that underneath the Unified Payment Interface (UPI) procedural pointers, issued by the National Payments Corporation of India (NPCI), apps like Google Pay are permitted to share prospects transaction knowledge with third events and group corporations with prior permission of NPCI and PSP banks.
It has additionally mentioned that Google Pay solely shops abnormal buyer knowledge, like identify, deal with, e mail ID, and transaction associated particulars, in accordance with the NPCI pointers and never fee delicate knowledge like debit card quantity or UPI PIN.
A buyer’s fee delicate knowledge is saved solely on the servers of the PSP financial institution, it has claimed.
The affidavit was filed in response to the petition by advocate Abhishek Sharma who has sought a route to Google to not share any knowledge from UPI change with some other occasion.
Google has contended that it was complying with the NPCI procedural pointers which govern functioning of all third occasion utility suppliers (TPAPs) like Google Pay.
It has additionally claimed that the petition was not maintainable as Sharma has accessible to him a number of alternate treatments just like the buyer care function within the app or approaching the NPCI in accordance with the Fee and Settlement Programs Act of 2007 or asking RBI to train its supervisory jurisdiction.
Google has additional contended that there are different TPAPs like Google Pay, however the petition has been “selectively filed” in opposition to it.
Sharma, in his plea, has additionally sought a route to Google to offer an enterprise to not retailer knowledge on its app underneath UPI ecosystem and additional to not share it with any third occasion, together with its holding or dad or mum firm.
The plea has claimed that the corporate was storing private delicate knowledge in contravention of UPI procedural pointers of October 2019, which permits such knowledge to be saved solely by PSP financial institution programs and never by any third occasion utility.
Google has denied the declare, saying prospects’ fee delicate knowledge is saved with the PSP banks and Google Pay solely accesses it in accordance with the rules.
It has additionally denied the allegation that it accesses prospects’ location to realize income from providing extremely focused or personalised promoting alternatives to advertisers.
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