What we do with your money, your data, and your plot.

Every plot listed on Paylap is freehold land. The legal title sits in a clearly identified entity — typically the developer of record or a special-purpose vehicle that exists specifically for the project. We publish the entity name, the registered sale deed, and the current encumbrance certificate on the property page before any booking is taken.

When you commit money to a plot, what you are receiving is a contractual right against that entity, formalised through a written investment agreement that names the plot, the duration, and the maturity amount. The agreement is signed by both sides before the maturity period begins, and we recommend you keep your copy.

We do not hold land in any founder's personal name. That is a basic discipline in real estate and we will not be the platform that cuts that corner.

Funds collected via the platform are received into our nominated business bank account. They are not routed through anyone's personal account, and they are not commingled with operating funds the company uses to pay salaries or vendors.

For each property, we maintain a separate ledger that tracks investor commitments, disbursements to the project, and interest accruals. Our finance team reconciles this ledger every week. Your statement of account is visible in your dashboard at any time and you can download a CSV of every transaction.

On maturity, payouts are processed to the same verified bank account you used during KYC. We do not accept changes to the payout bank account over phone or email — they must be updated through the authenticated profile flow with a one-time password.

Before any property is listed, we run a six-point diligence: the chain of title for the last 30 years, the current encumbrance certificate dated within the last 30 days, the mutation extract, the conversion order (if the land was previously agricultural), the layout sanction, and an undertaking from the seller confirming there is no pending litigation.

For every project, we publish the diligence summary on the property page so you can read it before you commit. The underlying documents are available on request and we will share them via email after you complete KYC.

No property goes live until our internal counsel signs off. If a property has even one open issue — a missing certificate, an unclear easement, an unresolved boundary question — we hold it back until it's resolved. That is why we have fewer listings than some platforms. That is by design.

Your investment agreement is between you and the specific project entity that holds the land. Paylap acts as the platform that facilitates the booking, the agreement, the interest accrual, and the payout. Even if the platform itself were to wind down, the underlying entity continues to hold the land and remains responsible for the contractual obligations under your signed agreement.

We maintain a continuity plan that includes a third-party records custodian — every investor agreement and every transaction record is mirrored to an off-platform store on a regular schedule. If the worst happens, an investor can produce the signed agreement and pursue the claim against the project entity through normal legal channels.

This is not a hypothetical we like to talk about. But you deserve a real answer, and the real answer is that the land and the contracts outlast the platform.

KYC documents are encrypted at rest. Aadhaar e-KYC goes through DigiLocker, which means we receive a cryptographically signed XML from UIDAI rather than a photocopy that could be tampered with. The masked Aadhaar number and the unmasked number are stored separately with different access policies.

Passwords are hashed with bcrypt. We use industry-standard TLS for every connection. Access to production data is logged and restricted to a small number of named operators, and every administrative action is recorded in an audit log that even the operators themselves cannot edit.

Under the Digital Personal Data Protection Act 2023, you can request a copy of your personal data or its deletion at any time by writing to our grievance officer.

Step one is our support team — most queries are resolved within 48 hours by emailing info@paylaprealestate.com. For anything that needs escalation, we have a named grievance officer who responds within 7 working days under our published grievance redressal policy.

Beyond us, you have the standard legal remedies that apply to any contract under Indian law. Your investment agreement names the jurisdiction (Delhi) and the dispute resolution forum. RERA-registered projects can be escalated to the relevant state authority. Disputes over personal data go to the Data Protection Board under the DPDP Act.

We don't expect you to need any of this. But you deserve to know the path, in case.