Privacy Policy

1. Information We Collect

We may collect the following types of personal and sensitive information:

• Basic Information: Name, email address, mobile number, etc.
• Authentication Data: Password, OTPs (One-Time Passwords)
• Financial Information: Bank account details, credit/debit card data, UPI IDs
• KYC Documents: Aadhaar, PAN, etc. (if required)
• Device Data: Device ID, OS version, browser type, rooted status
• Location Data: IP address and geolocation

2. How We Use Your Information

We use your information to:

• Process transactions (bill payments, bookings, etc.)
• Personalize your experience
• Comply with legal obligations (e.g., KYC, RBI guidelines)
• Detect fraud and ensure secure login
• Send relevant updates, offers, or transactional alerts

3. Authentication Methods

You can sign in using:

• Email and password
• OTP (One-Time Password) for mobile number

4. Use of Cookies

We use cookies and tracking technologies to enhance your experience by remembering your preferences and improving our services. You may disable cookies via your browser settings.

5. Third-Party Services

We share data securely with third-party providers strictly for payment processing and platform support:

• Razorpay
• BillDesk
• Bharat Connect
• Zaakpay
• Cashfree Payments
• Cloudflare (for security and CDN)

These providers are under strict confidentiality and data protection obligations.

6. Data Storage and Security

Your data is securely stored on servers located in India. We implement robust technical and organizational safeguards to protect your data from unauthorized access, alteration, disclosure, or destruction.

Users must keep their credentials secure. Unauthorized access may lead to legal action.

7. Data Sharing and Disclosure

We may share your data:

• To comply with legal/regulatory obligations
• With law enforcement, if required
• In business transfers (e.g., mergers)
• To prevent fraud or unauthorized access

We never sell your personal information to third parties.

8. Data Retention

We retain your data as long as necessary to provide services or as required by law. If you wish to delete your account or data, please contact us via the contact details below.

9. Consent and Control

By using our services, you consent to the collection and processing of your data. You can withdraw your consent anytime; however, this may limit the functionality of our services.

10. Children's Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect data from minors.

11. Contact Us

If you have questions or requests regarding this policy, please contact us at:

12. Changes to This Policy

We may update this policy from time to time. Updates will be posted on this page, and your continued use constitutes acceptance of the revised policy.