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At Arthio, we’re always available to assist you with accounting, taxation, loans, and financial planning.
Our team is dedicated to providing tech-driven, transparent, and reliable financial services for individuals and businesses.
Mobile / WhatsApp: +91 80935 56184
Email: contact@arthio.in
Our Office
Plot No- 1429, Near Ganesh Mandap Square,in front of bawarchi restaurant, Jharpada, Laxmisagr , Bhubaneswar, 751006
PRIVACY POLICY
Last Updated: 09 September 2026
L&B Fintech Solutions Private Limited, operating under the brand name Arthio (“Arthio”, “we”, “us” or “our”), respects your privacy and is committed to protecting the information you provide while using our website, application and services.
1. Information We Collect
We collect only information that is necessary to provide our services. Depending on the service used, this may include:
Name
Mobile number
Email address
Address
PAN/GST details
Business and company details
KYC information and documents, where required
Bank/payment information required for transactions
Details of applications, registrations or services requested
Information voluntarily provided by you
We do not collect your location information, device information, IP address, browser information or other technical/device tracking information.
2. How We Use Your Information
We may use your information to:
Provide and manage our services
Process transactions and payments
Complete KYC and verification
Process registrations, applications and service requests
Provide customer support
Send important service-related communications
Prevent fraud, misuse and unauthorised activity
Maintain records
Comply with applicable laws and regulations
3. Sharing of Information
Where necessary, we may share relevant information with authorised:
Banks and financial institutions
Payment service providers
BBPS/API/service providers
Government authorities and regulatory bodies
KYC/verification service providers
Insurance or other authorised service partners
Professional, legal or compliance service providers
We share information only where reasonably necessary for providing the requested service, fulfilling legal requirements or protecting our legitimate interests.
We do not sell or rent your personal information to third parties.
4. Data Security
We take reasonable administrative, technical and organisational measures to protect your information from unauthorised access, misuse, alteration, loss or disclosure.
However, no electronic transmission or storage system can be guaranteed to be completely secure.
5. Data Retention
We retain personal information only for as long as necessary for providing services, maintaining business records, resolving disputes and fulfilling applicable legal, tax, accounting and regulatory requirements.
6. Your Rights
Subject to applicable law, you may request:
Access to your personal information
Correction of inaccurate information
Deletion of information where legally permitted
Withdrawal of consent where applicable
Information regarding the processing of your personal information
Assistance regarding privacy-related complaints
7. Cookies
Our website may use strictly necessary cookies for basic website functionality. We do not use cookies to collect your location or device information.
Please refer to our Cookie Policy for further details.
8. Third-Party Services
Our website or application may contain links to or integrate with third-party services. Their privacy practices are governed by their respective policies, and we recommend reviewing those policies before using such services.
9. Children's Privacy
Our services are not intended to knowingly collect personal information from children except where permitted and required by applicable law.
10. Changes to this Policy
We may update this Privacy Policy from time to time. Any updated version will be published on our website with the revised “Last Updated” date.
COOKIE POLICY
Last Updated: 09 September 2026
L&B Fintech Solutions Private Limited, operating under the brand name Arthio, does not use cookies on its website for tracking, advertising, analytics, or collecting personal information.
We do not use cookies to collect or track:
Your location
Device information
IP address
Browser information
Online activity for advertising or tracking purposes
Our website may use only basic technical functionality required for the website to operate, if applicable. Such functionality does not involve tracking or collecting personal information through cookies.
If our website or services introduce cookies or similar technologies in the future, this policy will be updated accordingly.
TERMS & CONDITIONS
Last Updated: 09 September 2026
These Terms & Conditions apply to the Arthio website, application and services operated by L&B Fintech Solutions Private Limited.
1. Use of Services
By using Arthio, you agree to use our services lawfully and provide correct information.
2. Services
Arthio may provide digital, business, payment, recharge, bill payment, BBPS, AEPS, DMT, GST, income tax, registration and other related services through authorised partners.
3. KYC & Documents
Certain services may require KYC and other documents. Users must provide genuine and valid information.
4. Payments & Transactions
Users are responsible for checking transaction details before confirmation. Applicable service charges will be communicated where required.
5. Refund & Cancellation
Completed services are generally non-refundable. Refunds for failed, duplicate or unsuccessful transactions will be considered after verification and subject to the applicable service provider's rules.
6. Third-Party Services
Some services are provided through banks, payment gateways, API providers, government portals and other authorised partners. Their terms may also apply.
7. Prohibited Use
Users must not use Arthio for fraud, illegal activities, false documents, unauthorised transactions or misuse of the platform.
8. Service Availability
Services may be temporarily unavailable due to maintenance, technical issues, network problems, third-party services or regulatory requirements.
9. Intellectual Property
The Arthio name, logo, website, application and content are the property of or licensed to L&B Fintech Solutions Private Limited and cannot be used without permission.
10. Account Suspension
We may suspend or terminate access in case of misuse, fraud, violation of these Terms or legal/regulatory requirements.
11. Privacy
Your information is handled according to our Privacy Policy. We do not sell your personal information.
12. Changes
We may update these Terms & Conditions from time to time. Updated terms will be published on our website.
13. Governing Law
These Terms & Conditions are governed by the applicable laws of India.
