Compliance & Security

APilot is built with regulatory compliance at its core

Regulatory Compliance

APilot is designed and operated to comply with Indian financial, tax, and data protection regulations. We work closely with compliance experts to ensure our platform meets all requirements for SME finance operations.

GST Compliance

Full support for IGST, SGST, CGST regulations

  • Real-time GST number validation
  • Automatic invoice classification
  • GST return reporting support
  • E-invoice (e-way bill) integration
RBI & Banking Regulations

Compliant with Reserve Bank of India guidelines

  • UPI, IMPS, NEFT standards
  • Know Your Transaction (KYT) checks
  • Anti-Money Laundering (AML) compliance
  • Payment authentication requirements
Income Tax Compliance

Support for IT audit and compliance requirements

  • Invoice archival (5-7 years)
  • Transaction audit trails
  • TDS/TCS reporting support
  • Annual reconciliation
Data Protection

Data security and privacy standards

  • GDPR-compliant data handling
  • ISO 27001 certification
  • End-to-end encryption
  • Regular security audits

Security Standards

Data Encryption

  • In Transit: TLS 1.2+ encryption for all data transmission
  • At Rest: AES-256 encryption for stored financial data
  • Sensitive Fields: Bank account numbers, GST IDs, PAN stored with additional encryption layers

Access Control

  • Role-Based Access: Admin, Manager, Approver, Finance Officer roles with granular permissions
  • Multi-Factor Authentication: Optional 2FA for sensitive accounts
  • Session Management: Automatic logout after 30 minutes of inactivity
  • Audit Logging: All user actions tracked and logged for compliance

Infrastructure Security

  • Cloud Hosting: AWS/Azure with DDoS protection
  • Redundancy: Multi-region failover and automatic backups
  • Firewalls & IDS: Advanced network security and intrusion detection
  • Penetration Testing: Annual security assessments by third-party auditors

Vendor & API Security

  • All payment partners are PCI-DSS compliant
  • API integrations use OAuth 2.0 and secure token management
  • Regular vendor security assessments

Financial Compliance

GST (Goods and Services Tax)

APilot fully supports GST compliance for Indian SMEs:

  • Real-time validation against GST NSDL database
  • Automatic invoice classification as SGST/IGST/CGST
  • ITC (Input Tax Credit) tracking and reporting
  • E-invoice and e-way bill integration
  • GST return file generation (GSTR-1, GSTR-2, GSTR-3B)

Income Tax & Audit

Full support for IT compliance and auditing:

  • Invoice retention for 5-7 years as per IT rules
  • Transaction-level audit trails
  • Annual compliance certifications
  • Tax reporting data exports

RBI Payment Regulations

Full compliance with Reserve Bank of India guidelines:

  • KYT (Know Your Transaction) for amounts > ₹10 lakhs
  • Automated AML (Anti-Money Laundering) checks
  • OFAC sanctions screening for international payments
  • Real-time payment status tracking

Certifications & Audits

Current Certifications

ISO 27001:2022

Information Security Management

SOC 2 Type II

Security & Availability Audit

PCI-DSS Level 1

Payment Card Industry Compliance

GDPR Compliant

Data Protection Standards

Regular Audits

APilot undergoes continuous security and compliance audits:

  • Quarterly penetration testing by external security firms
  • Annual SOC 2 Type II audit
  • Continuous vulnerability scanning and patch management
  • Monthly compliance reviews for GST and RBI regulations

Questions About Compliance?

Our compliance team is available to address any concerns or requirements for your organization.

Email: compliance@apilot.ai

Phone: Available during business hours

Compliance Officer: compliance-officer@apilot.ai