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Google India Digital Services, which operates the Google Pay app, has instructed the Delhi High Court that it’s allowed to share clients 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 in search of motion in opposition to Google Pay for allegedly violating the RBI’s pointers associated to knowledge localisation, storage and sharing.
The excessive court docket on Thursday listed the matter for listening to on November 10 because the Centre and Reserve Bank of India (RBI) haven’t filed their responses but.
Google, in its affidavit, has contended that below the Unified Payment Interface (UPI) procedural pointers, issued by the National Payments Corporation of India (NPCI), apps like Google Pay are permitted to share clients transaction knowledge with third events and group corporations with prior permission of NPCI and PSP banks.
It has additionally stated that Google Pay solely shops bizarre buyer knowledge, like identify, handle, electronic 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 not to share any knowledge from UPI change with some other celebration.
Google has contended that it was complying with the NPCI procedural pointers which govern functioning of all third celebration utility 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 characteristic within the app or approaching the NPCI in accordance with the Payment and Settlement Systems 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 give an endeavor to not retailer knowledge on its app below UPI ecosystem and additional not to share it with any third celebration, together with its holding or mum or dad 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 celebration utility.
Google has denied the declare, saying clients’ 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 clients’ location to acquire income from providing extremely focused or personalised promoting alternatives to advertisers.
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