Payment Aggregators

How Signzy Empowers Payment Aggregators in a Licensed Landscape

Before we start, let’s know, what are Payment Aggregators? – Payment aggregators are financial entities that facilitate processing of transactions between merchants and customers without the need for multiple direct merchant accounts.

Well, the Indian digital payments scene just got a shot in the arm!

The Reserve Bank of India (RBI) has finally granted Payment Aggregator (PA) licenses to key players like Razorpay and Cashfree, paving the way for a vibrant and regulated ecosystem. This move signifies a significant leap forward for the industry, bringing much-needed clarity and stability.

But with great power comes great responsibility. Obtaining a PA license isn’t just about a celebratory press release. It’s about meeting stringent compliance requirements and ensuring robust merchant onboarding, monitoring, and underwriting practices. This is where the real challenge lies, and this is where Signzy steps in as your trusted partner.

Understanding the Power of a Payment Aggregators License

Remember the days of uncertainty around merchant onboarding and compliance? The PA license puts those concerns to rest. It sets the gold standard for digital payment acceptance, ensuring consumer protection and fostering trust in the system. This is a game-changer for payment aggregators, opening doors to new markets and partnerships, and ultimately, fueling growth.

The Thorny Side of the Rose: Challenges in the New Landscape

While the PA license unlocks opportunities, it also presents its own set of challenges. Let’s face it, the current ecosystem faces hurdles in:

  • Merchant Onboarding: Streamlining the process while ensuring thorough KYC and AML checks.
  • Merchant Monitoring: Keeping a watchful eye on suspicious activity and preventing fraud.
  • Underwriting: Accurately assessing risk and extending credit responsibly.

These challenges can be daunting, but they don’t have to be insurmountable.

Signzy: Your Digital Shield in the Payment Aggreagators Arena

Signzy offers a comprehensive suite of solutions specifically designed to address the challenges faced by payment aggregators in the new PA landscape. We empower you with:

  • Automated Onboarding: Say goodbye to manual paperwork and embrace seamless digital verification with AI-powered KYC and AML tools.
  • Real-time Monitoring: Gain unparalleled visibility into your merchant activity with advanced fraud detection and risk management systems.
  • Data-driven Underwriting: Leverage the power of data and AI to make accurate risk assessments and extend credit with confidence.

Harmony with Regulations and Networks

Signzy’s solutions are meticulously aligned with the latest RBI regulations and payment network standards. We understand the importance of compliance and work closely with regulatory bodies and financial institutions to ensure your operations remain seamless and secure.

Conclusion

The PA license is a watershed moment for the Indian digital payments industry. It unlocks immense potential, but it also demands robust solutions to navigate the challenges. Signzy stands as your trusted partner, empowering you to thrive in this new landscape with cutting-edge technology and a commitment to compliance.

Ready to embrace the future of digital payments? Contact Signzy today and discover how we can help you navigate the PA landscape with confidence and ease. Visit www.signzy.com for more information about us. 

Dormant Accounts

Dormant Accounts: Tighter Fraud Control by RBI

Dormant accounts: Waking up to easier reactivation and tighter security with RBI’s new rules! The Reserve Bank of India (RBI) has introduced new regulations to simplify reactivating dormant bank accounts and tackle fraud risks. Key changes include location-independent KYC submission, video-based customer identification (V-CIP), stricter monitoring, and term deposit reviews. These reforms benefit both account holders (easier reactivation, no fees) and banks (reduced paperwork, fraud prevention).

Let’s dive in!

Reactivating Dormant Accounts Just Got Easier!

Gone are the days of trekking to your original bank branch just to reactivate a dormant account. Under the new rules, you can now submit your KYC documents at any branch, regardless of its location. This flexibility makes the process more convenient and accessible, especially for those who have moved or whose original branch is no longer operational.

For the tech-savvy, the RBI offers a futuristic option: video-customer identification process (V-CIP). If your bank provides this service, you can skip the physical visit altogether and get your account back on track through a secure video call.

But the best part? No more surprise fees or penalties! Banks are prohibited from charging you for the reactivation process itself, and they can’t penalize you for not maintaining a minimum balance in your dormant account. This removes a financial barrier and encourages account holders to bring their neglected funds back into circulation.

Enhanced Security Measures for Dormant Accounts

While simplifying reactivation, the RBI hasn’t forgotten about the lurking threat of fraud in dormant accounts. To combat this, banks are now mandated to conduct annual reviews of accounts that haven’t seen any customer transactions for over a year. This proactive approach helps identify dormant accounts that might be vulnerable to unauthorized access or misuse.

Once an account is reactivated, it will be placed under stricter scrutiny for at least six months. This heightened monitoring, conducted at higher levels within the bank, aims to detect any suspicious activity and nip potential fraud in the bud.

Term Deposits and Zero-Balance Accounts Covered

The RBI’s reach extends beyond just dormant savings accounts. Term deposits, for instance, are also covered under the new regulations. Banks must now review these deposits if you haven’t withdrawn the proceeds or transferred them to another account after maturity. This prevents your funds from slipping into the limbo of unclaimed deposits and ensures you receive what you’re rightfully owed.

Even zero-balance accounts, often used for government schemes and scholarships, receive special consideration. These accounts won’t be classified as “inoperative” even if unused for two years, recognizing their specific purpose and ensuring beneficiaries continue to receive their entitlements.

A Timeline for Dormant Account Reactivation

Mark your calendars! The RBI’s new dormant account regulations take effect April 1, 2024, for all banks, including yours. From forgotten savings accounts to matured term deposits and special zero-balance accounts, it’s time to streamline your processes and ensure compliance.

The Takeaway

The RBI’s new rules for dormant accounts are a win-win for both convenience and security. They make reactivation easier, eliminate unnecessary fees, and provide robust safeguards against fraud. The time to act is now! With April 1, 2024, just around the corner, prepare to welcome a surge in reactivated accounts and unlock their full potential. Dust off those dormant files, partner with Signzy, and watch your business flourish under the RBI’s secure and convenient new regulations.

Signzy VKYC: Seamless Dormant Account Reactivation Under New RBI Rules

The RBI’s new regulations have made revitalizing dormant accounts a breeze, but banks still face challenges verifying customer identities efficiently. This is where Signzy’s VKYC API shines, streamlining the KYC process and making reactivation even smoother.

Imagine a customer walking into any branch across your network, eager to resurrect their long-dormant account. With Signzy’s VKYC API integrated into your system, the process is as simple as a video call. No more mountains of paperwork, no more waiting for physical document verification. The customer simply connects with a representative through a secure video link, presents their ID, and voilà! Their identity is verified in real-time, thanks to Signzy’s AI-powered facial recognition and document authentication.

The benefits for banks are numerous. Reduced paperwork cuts processing costs and turnaround times, leading to happier customers and improved operational efficiency. The real-time verification eliminates fraud risks associated with traditional, document-based methods. Plus, the VKYC API’s flexibility allows integration with existing infrastructure, making implementation seamless and hassle-free.

In a nutshell, Signzy’s VKYC API is the perfect complement to the RBI’s new dormant account regulations. It simplifies reactivation for customers, minimizes risk and cost for banks, and ultimately promotes a more secure and efficient financial ecosystem. So, the next time you’re thinking about dormant accounts, remember that Signzy’s VKYC API can be your key to unlocking a win-win situation for everyone involved.

The Telecommunications Act 2023

The Telecommunications Act 2023

The Indian telecommunications landscape recently witnessed a seismic shift with the passing of the Telecommunications Act 2023. This sweeping legislation promises drastic changes, and one aspect garnering immense attention is the mandatory KYC for all communication channels, including WhatsApp, Gmail, and Slack. But what does this truly mean for India’s digital future? Let’s dive into the Act’s implications and explore its potential impact on various stakeholders.

The KYC Conundrum

The Act mandates user verification via KYC (Know Your Customer) processes for all telecommunication services, encompassing not just traditional phone calls and SMS but also internet-based platforms like messaging apps, email, and even video conferencing tools. This move stems from the government’s aim to curb spam, fraud, and misuse of communication channels.

Potential Benefits:

  • Enhanced Security: Verified users could reduce the spread of misinformation and fake news, leading to a safer online environment.
  • Curbing Crime: KYC might deter criminal activities like cyberbullying, harassment, and financial scams facilitated through anonymous communication channels.
  • Better Targeting: Businesses could benefit from personalized marketing and service delivery by having access to verified user data.

Challenges and Concerns:

  • Privacy Infringement: Critics argue that mandatory KYC intrudes on user privacy, potentially enabling mass surveillance and stifling open dialogue.
  • Technical Hurdles: Implementing KYC across diverse platforms with varied user bases poses significant technical challenges and requires robust data privacy safeguards.
  • Digital Divide: Access to KYC infrastructure and resources may disproportionately impact rural and low-income populations, exacerbating the digital divide.

Shaping the Future

The Telecommunications Act 2023 undoubtedly introduces a paradigm shift in India’s digital landscape. While the intended benefits of curbing illegal activities and enhancing security are laudable, addressing privacy concerns and ensuring equitable access to KYC infrastructure remain crucial challenges. The Act’s success will hinge on its implementation, with transparency, robust data protection measures, and user-centric policies being paramount.

Impact on Specifics:

  • Messaging Apps: Platforms like WhatsApp might need to integrate a government-approved KYC process, potentially impacting user experience and encryption protocols.
  • Email & Online Platforms: Similar verification processes could be implemented for email accounts and online platforms, necessitating user data sharing with telecom service providers.
  • Innovation & Competition: The new regulations might pose additional hurdles for smaller platforms and startups, potentially impacting the innovation and competition landscape.

The Telecommunications Act 2023, with its expansive definition of telecommunication services, has undoubtedly sparked some important discussions. While concerns regarding scope and regulatory burden are valid, it’s also crucial to acknowledge the positive potential this Act holds for India’s booming digital landscape.

First, let’s acknowledge the Act’s ambition. Encompassing diverse communication channels ensures no technology escapes regulation, safeguarding users and ensuring responsible use. This broad scope empowers the government to proactively address emerging challenges in a constantly evolving digital space.

Furthermore, the mandatory authorization requirement, often viewed as overly cautious, can be reframed as a catalyst for standardization and quality control. By streamlining entry into the telecom ecosystem, the Act paves the way for reliable and secure services for all users.

Yes, challenges exist. Potential regulatory overlap with existing laws like the IT Act needs careful consideration to avoid burdening businesses and fostering a climate of innovation. However, the Act’s flexibility through exemptions in Section 3(3) offers opportunities for targeted regulation, adapting to specific scenarios while preventing unnecessary hurdles for emerging technologies.

The anxieties surrounding potential stifled innovation are important, but perhaps misplaced. By establishing a clear and comprehensive regulatory framework, the Act can actually nurture confidence and attract investment, ultimately benefitting the ecosystem. With defined rules of the game, businesses can focus on developing cutting-edge technologies without navigating ambiguities.

The Telecommunications Act, 2023 acknowledges the dependency of digital services on the telecommunications sector, by explicitly highlighting that the latter is a gateway to the former. By doing so, the Bill openly distinguishes between online and telecom services.

Section 3 (7) – Any authorized entity which provides such telecommunication services as may be notified by the Central Government, shall identify the person to whom it provides telecommunication services through use of any verifiable biometric based identification as may be prescribed.

Section 3(7) of the Telecommunications Act 2023 outlines a proactive approach to user identification, mandating verifiable biometric-based identification for certain services. While this provision has stirred debate, it’s worth considering its potential benefits:

Enhanced Trust and Security:

  • Combating Fraud and Misuse: By linking individuals to their telecom accounts through biometrics, the Act aims to significantly reduce fraudulent activities, impersonation, and unauthorized access, fostering a more secure and trustworthy digital environment.
  • Preventing Malicious Activity: Biometric verification can act as a powerful deterrent against online abuse, cyberbullying, and the spread of misinformation, contributing to a safer and more responsible digital space for all users.

Streamlining User Experiences:

  • Simplified Authentication: Biometric identification offers a seamless and convenient way for users to authenticate themselves across various platforms and services, potentially reducing reliance on passwords and PINs, which can be forgotten or compromised.
  • Personalized Services: Verified user identities could enable telecom service providers to offer more tailored and relevant services, enhancing user experiences and satisfaction.

Regulatory Compliance and Data Protection:

  • Addressing Evolving Threats: The Act’s biometric requirement aligns with global trends in digital identity management, recognizing the need for robust measures to combat increasingly sophisticated cyber threats and protect user data.
  • Data Protection Framework: The Digital Personal Data Protection Act 2023 provides a strong foundation for safeguarding sensitive biometric data, ensuring its responsible collection, storage, and usage by authorized entities.

While balancing privacy concerns is crucial, the Act’s focus on secure identification demonstrates a commitment to fostering a trusted and secure digital landscape in India. It’s important to note that the Supreme Court’s rulings on Aadhaar and privacy remain guiding principles, and the Act’s implementation will likely prioritize user consent and data protection safeguards

Finally, let’s not forget the Act’s potential to empower smaller players. Streamlined authorization processes and standardized regulations can pave the way for greater competition and inclusivity.

Moving Forward

The Telecommunications Act 2023 presents both opportunities and challenges for India’s digital future. Balancing security concerns with user privacy, ensuring inclusive access, and fostering a healthy innovation ecosystem will be crucial as India navigates this evolving landscape. Open dialogue, transparent implementation, and user-centricity will be key in shaping a robust and inclusive digital future for all Indians.

Your Turn

This Act’s implications are far-reaching and multifaceted. What are your thoughts on the mandatory KYC provision? Do you see it as a positive step towards a safer online environment or a potential threat to user privacy? Share your opinions and join the conversation!

About Signzy

Signzy is a market-leading platform redefining the speed, accuracy, and experience of how financial institutions are onboarding customers and businesses – using the digital medium. The company’s award-winning no-code GO platform delivers seamless, end-to-end, and multi-channel onboarding journeys while offering customizable workflows. In addition, it gives these players access to an aggregated marketplace of 240+ bespoke APIs, easily added to any workflow with simple widgets.

Signzy is enabling ten million+ end customer and business onboarding every month at a success rate of 99% while reducing the speed to market from 6 months to 3-4 weeks. It works with over 240+ FIs globally, including the 4 largest banks in India, a Top 3 acquiring Bank in the US, and has a robust global partnership with Mastercard and Microsoft. The company’s product team is based out of Bengaluru and has a strong presence in Mumbai, New York, and Dubai.

Visit www.signzy.com for more information about us.
Contact us directly!

OCEN & ONDC

An In-Depth Analysis of ONDC and OCEN

In the rapidly evolving landscape of India’s digital infrastructure, the battle for supremacy in the digital lending sphere is intensifying between two key players: the Open Credit Enablement Network (OCEN) and the Open Network for Digital Commerce (ONDC). As the country continues to witness remarkable strides in financial technology, these platforms have emerged as pivotal contenders, each vying to reshape the future of digital lending. In this comprehensive exploration, we will dissect the intricacies of ONDC and OCEN, examining their visions, challenges, and the potential impact on India’s financial technology ecosystem.

What is OCEN?

Open Credit Enablement Network (OCEN) is a digital lending platform launched in July 2020 by the Bengaluru-based think tank iSpirt. Envisioned as the “UPI for credit,” OCEN aims to bridge the substantial credit gap for Micro, Small, and Medium Enterprises (MSMEs) in India, amounting to Rs 25 lakh crore. OCEN operates as a credit-protocol framework, utilizing a set of Application Programming Interfaces (APIs) to facilitate collateral-free loans for MSMEs based on their unpaid invoices. The platform leverages technologies developed by iSpirt, including the India Stack components such as Aadhaar, UPI, and Account Aggregator.

What is ONDC?

The Open Network for Digital Commerce (ONDC) is a government-backed initiative that initially set out to democratize e-commerce for MSMEs. However, in an expansion of its offerings, ONDC decided to incorporate financial services to address the credit needs of nearly 64 million cash-strapped MSMEs in India. ONDC focuses on easing access to formal credit by creating digital credit rails for MSMEs. The platform employs the Beck Protocol, a set of APIs co-created by Pramod Varma, who played a crucial role in architecting Aadhaar and UPI technologies.

Unveiling the UPI Parallels

Before delving into the specific dynamics of ONDC and OCEN, it’s imperative to draw parallels with the Unified Payments Interface (UPI), which achieved unparalleled success not only in transaction volumes but also in uniting diverse participants on a single payment network. This historical context lays the foundation for understanding the dynamics at play in the digital lending space and the potential parallels that may arise.

ONDC’s Mission for MSMEs

As a government-backed initiative, ONDC initially sought to democratize e-commerce for micro, small, and medium enterprises (MSMEs). However, in a strategic move, it expanded its purview to include financial services, aiming to address the formidable MSME credit gap amounting to Rs 25 lakh crore. The core objective is to facilitate access to formal credit for the nearly 64 million cash-strapped MSMEs, particularly through cash-flow financing.

OCEN’s Struggle for Traction

Contrastingly, OCEN, conceived by the Bengaluru-based think tank iSpirt, entered the scene in July 2020 with the ambitious goal of becoming the “UPI for credit.” Despite having major players like ICICI Bank, Kotak Mahindra Bank, and Aditya Birla Finance on board, OCEN faced challenges in gaining significant traction. By September, it had facilitated only around Rs 21 crore in loans, prompting reflections on whether it was undergoing a growth cycle similar to UPI’s early years.

How OCEN and ONDC will be helping people and businesses in India

OCEN’s Contribution:

OCEN aims to address the Rs 25 lakh crore MSME credit gap by providing collateral-free loans based on unpaid invoices. It operates on the GeM Sahay app, facilitating credit for MSMEs engaged in procuring goods and services for government departments and organizations. By leveraging the OCEN framework, MSMEs can access digital credit rails, enhancing their financial flexibility and enabling smoother business operations.

ONDC’s Role:

ONDC endeavors to democratize e-commerce and extend its reach to the MSME sector. By incorporating financial services, ONDC aims to ease access to formal credit for MSMEs, which are often cash-strapped due to the buy-with-cash, sell-on-credit model. The platform seeks to bridge the gap between lenders and MSMEs through digital credit rails, fostering a more inclusive and accessible financial ecosystem.

Navigating the Parallels and Contrasts

Both ONDC and OCEN share a common goal of leveraging cash-flow financing to penetrate the MSME lending space. Their frameworks exhibit similarities, relying on marketplace implementation, account aggregators, Aadhaar, and UPI. However, the devil lies in the details — distinct terminologies, standards, and protocols pose challenges, giving rise to a scenario where two entities pursue a common goal with separate frameworks.

The Road Ahead: Opportunities and Challenges

While Sharad Sharma, co-founder of iSpirt, asserts that OCEN is traversing a growth cycle akin to UPI, ONDC has entered the arena with a strikingly similar offering. Both platforms are aggressively onboarding lenders and fintech partners, with an overlap in their lists of participating financial institutions. However, the challenge of collaboration persists due to their distinctive standards and terminologies, akin to the Android versus iOS dichotomy.

The Lender’s Dilemma

A critical hurdle faced by both ONDC and OCEN is the reluctance of lenders, particularly larger institutions, who fear reduced margins. Analogous to the impact of UPI on traditional banking, there’s apprehension that these digital lending networks may relegate lenders to mere conduits, eroding their profit margins. Convincing large lenders that reduced distribution costs will only be advantageous at scale remains a formidable challenge.

Decoding the Promise of ONDC and OCEN

Looking forward, both ONDC and OCEN hold the promise of revolutionizing India’s digital lending landscape. ONDC, with its focus on ‘Selection,’ and OCEN, emphasizing ‘Collections First,’ are poised to unlock innovative types of loan offerings. The integration of Account Aggregators emerges as a linchpin, ensuring secure data exchange between borrowers and lenders, a cornerstone for fostering trust in digital lending.

Charting the Course for a Transformative Decade

As India’s digital lending landscape undergoes a metamorphosis, the efforts of ONDC and OCEN, complemented by initiatives like Account Aggregator, signal a transformative decade for the industry. Despite the complexities, competition, and the challenge of collaboration, the overarching goal of delivering affordable credit for the underserved remains paramount. With standardized rails emerging, the industry can anticipate a more streamlined and efficient digital lending ecosystem, shaping the financial technology landscape in the years to come.

The transformation of several NBFCs serving the last mile into digitally-oriented entities, adopting a ‘phygital’ approach, along with fintechs aligning with market realities, adds a layer of dynamism to the evolving credit space. As standardized rails begin to emerge, reducing the need for custom technology integrations, the industry can anticipate a more streamlined and efficient digital lending ecosystem. While there may be hiccups along the way, as seen in recent BNPL spurts resulting in high NPAs, the collective efforts in this decade instill hope for reaching an equilibrium where affordable credit for the underserved becomes a reality. The convergence of these initiatives holds the promise of shaping an exciting future for the financial technology landscape in India.

About Signzy

Signzy is a market-leading platform redefining the speed, accuracy, and experience of how financial institutions are onboarding customers and businesses – using the digital medium. The company’s award-winning no-code GO platform delivers seamless, end-to-end, and multi-channel onboarding journeys while offering customizable workflows. In addition, it gives these players access to an aggregated marketplace of 240+ bespoke APIs, easily added to any workflow with simple widgets.

Signzy is enabling ten million+ end customer and business onboarding every month at a success rate of 99% while reducing the speed to market from 6 months to 3-4 weeks. It works with over 240+ FIs globally, including the 4 largest banks in India, a Top 3 acquiring Bank in the US, and has a robust global partnership with Mastercard and Microsoft. The company’s product team is based out of Bengaluru and has a strong presence in Mumbai, New York, and Dubai.

Visit www.signzy.com for more information about us.
Contact us directly!

DPDPA

DPDPA Rules Enhance Data Transparency

In a significant development for digital data protection in India, The Union Ministry of Electronics and Information Technology (MeitY) is set to enhance online safety and transparency with new data protection rules under the Digital Personal Data Protection Act. 

These upcoming regulations focus on verifying children’s age for online services, introducing rigorous data breach notification protocols for tech companies, and imposing substantial penalties for #non-compliance. This move signifies a major step towards strengthening digital security and safeguarding personal data in the digital era.

Highlights:

  1. Child Safety Online: Implementation of Aadhaar-based systems or electronic tokens for verifying children’s ages, ensuring online platforms gather verifiable parental consent for users under 18.
  2. Data Breach Notifications: Introduction of a two-stage notification process, requiring immediate notification of data breaches, followed by detailed information within 72 hours.
  3. Hefty Penalties: Non-compliance with data protection measures could lead to penalties as high as Rs 250 crore, underlining the importance of robust data security measures.
  4. Government Transparency: Mandatory notifications by government institutions when using citizens’ personal data for welfare services and subsidies.
  5. Upcoming Consultations: MeitY to hold a consultation with industry stakeholders on December 19 to discuss the operationalization of these rules.

Navigating the New Frontier of DPDPA: Protecting Children’s Data in the Digital Age

As a data-driven company, we understand the immense value and responsibility that comes with handling personal information. This is especially true when it comes to the data of children, who are more vulnerable to online risks and require additional safeguards. The upcoming data protection rules in India, with their proposals for Aadhaar-based age verification and parental consent, offer a much-needed framework for protecting children in the digital landscape.

Age Verification: Balancing Security and Privacy

The proposed use of Aadhaar for age verification presents a potential solution to the long-standing challenge of age-gating. By obtaining a simple “yes/no” response from the Aadhaar database, platforms can ensure compliance with parental consent requirements without exposing sensitive data. This approach protects children while minimizing privacy concerns, as platforms will not receive any identifiable information about users.

However, it’s crucial to ensure that this system is secure and transparent. Robust data security measures must be implemented to prevent unauthorized access or manipulation of the Aadhaar database. Additionally, clear communication channels should be established to inform parents about how their children’s data is being used and protected.

Parental Consent: Empowering Guardians

The requirement for verifiable parental consent is another positive step towards safeguarding children’s online experiences. Parents should be given the tools and resources they need to make informed decisions about their children’s digital engagement. This includes access to educational materials on online safety, guidance on setting appropriate privacy settings, and mechanisms to easily grant or revoke consent.

Industry Collaboration: Finding the Right Balance

As stakeholders in the data ecosystem, we have a responsibility to collaborate with the government and other industry players to develop practical and effective solutions for child data protection. We support the exploration of both the DigiLocker app integration and the industry-developed electronic token system. Ultimately, the chosen method should prioritize ease of use for parents, robust security measures, and a transparent framework for platform implementation.

Moving Forward with DPDPA: A Shared Commitment

Protecting children’s data in the digital age requires a collective effort. We, as a data-driven company, are committed to playing our part. We will ensure that our platforms comply with the upcoming data protection rules and implement rigorous child data protection measures. We also urge other industry players, parents, and educators to join us in creating a safe and responsible online environment for children.

This blog post is just the beginning of the conversation. We encourage readers to share their thoughts and suggestions on how we can best protect children’s data in the evolving digital landscape. Let’s work together to build a future where children can explore the online world with curiosity and confidence, knowing their data is secure and their rights are protected.

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