KYC Policy

Private company and approval disclaimer

GARUDAYA PRIVATE LIMITED is a private company, not a government department, statutory authority, regulator, embassy, customs office, bank or insurer. A GARUDAYA review, checklist, referral or document submission does not itself grant a licence, certificate, permit, export clearance, tax registration or government approval. Any approval must be issued by the competent authority or contracting organization named in the applicable process. Users remain responsible for truthful information, fees, renewals and lawful compliance.

Why KYC is required

KYC helps prevent fraud, misdirected payouts, false product claims, tax misuse, unauthorized exports, duplicate accounts and marketplace abuse. GARUDAYA may require KYC before selling, payouts, export support, admin access or high-risk workflows.

Documents

Review outcomes

KYC may be approved, rejected or returned for more documents. Rejected users should receive safe reasons without exposing reviewer notes that could compromise fraud controls.

Electronic identity and bank verification

Where an approved provider is active, GARUDAYA may verify PAN status, identity name and date of birth, Aadhaar/PAN linkage status, bank account existence, IFSC and account-holder match. The user must give explicit consent before details are sent. A format-valid number, uploaded image, masked preview or provider-pending response is not a verified result. If details do not match, the user is asked to correct spelling and date of birth exactly as shown on official records, confirm PAN–Aadhaar linkage where applicable, or submit supporting documents for authorized manual review.

Aadhaar safeguards

GARUDAYA uses only an approved and legally permitted Aadhaar verification method for the stated onboarding purpose. Aadhaar is not displayed publicly. Full identifiers and documents are restricted, masked and protected through the private KYC workflow. Users may be offered an alternative permitted document/manual review route where applicable and must never disclose an Aadhaar OTP to GARUDAYA personnel.

Independent providers and regulatory verification

GARUDAYA may apply to regulated, government or private providers for payment processing, email/SMS delivery, DigiLocker or API Setu access, PAN/Aadhaar checks, bank-account validation, logistics and other integrations. Displaying an integration workflow or accepting an application does not mean that a provider, regulator or government body has endorsed GARUDAYA. A feature is treated as live only after the relevant provider approves the account, production credentials are securely configured, and GARUDAYA completes acceptance testing. Until then, the website labels the result as pending, manual review or unavailable and does not represent it as verified.

Official contact and notices

Questions about kyc policy should be sent from the registered account email wherever possible. GARUDAYA may request order IDs, application IDs, invoice numbers, KYC references or proof of authority before sharing account-specific information. Official notices may be sent to legal@garudaya.in; operational support may be sent to support@garudaya.in. Registered office: C/O Sabita Jena Nuagam, Dasamundali, Sheragada, Aska, Ganjam – 761106, Odisha, India.