Google India Digital Providers, which operates the Google Pay app, has informed the Delhi Excessive Court docket that it’s allowed to share prospects transaction information with third events with the prior permission of NPCI and cost 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 in search of motion in opposition to Google Pay for allegedly violating the RBI’s pointers associated to information localisation, storage and sharing.
The excessive court docket 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 Cost Interface (UPI) procedural pointers, issued by the Nationwide Funds Company of India (NPCI), apps like Google Pay are permitted to share prospects transaction information with third events and group firms with prior permission of NPCI and PSP banks.
It has additionally stated that Google Pay solely shops unusual buyer information, like identify, handle, e mail ID, and transaction associated particulars, in accordance with the NPCI pointers and never cost delicate information like debit card quantity or UPI PIN.
A buyer’s cost delicate information 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 information from UPI change with another social gathering.
Google has contended that it was complying with the NPCI procedural pointers which govern functioning of all third social gathering software suppliers (TPAPs) like Google Pay.
It has additionally claimed that the petition was not maintainable as Sharma has out there to him a number of alternate cures just like the buyer care function within the app or approaching the NPCI in accordance with the Cost and Settlement Methods 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 provide an enterprise to not retailer information on its app underneath UPI ecosystem and additional to not share it with any third social gathering, together with its holding or guardian firm.
The plea has claimed that the corporate was storing private delicate information in contravention of UPI procedural pointers of October 2019, which permits such information to be saved solely by PSP financial institution programs and never by any third social gathering software.
Google has denied the declare, saying prospects’ cost delicate information 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 achieve income from providing extremely focused or personalised promoting alternatives to advertisers.
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