Where Payment Security Meets Privacy Integrity.
UNDERSTAND WHAT DATA WE COLLECT
Learn what personal and transactional information we gather and why it’s necessary for providing secure and reliable bill payment services.
KNOW HOW YOUR DATA IS USED
See how your information is used from processing payments to sending alerts and how it helps improve your overall experience.
STAY INFORMED ABOUT YOUR RIGHTS
Discover your rights regarding data access, correction, and withdrawal of consent, in line with the Digital Personal Data Protection Act (DPDPA) 2023.
ENSURE YOUR DATA IS HANDLED SECURELY
Understand the steps we take to protect your data, including encryption, secure servers, and third-party compliance.
INTRODUCTION
This Privacy Policy outlines how we collect, use, disclose, store, and protect personal and financial information while providing our services across digital payments, education fee collection, travel bookings, and insurance payments. We are committed to safeguarding the privacy and confidentiality of the information entrusted to us by individuals, businesses, and institutional clients.
APPLICABILITY
This Privacy Policy applies to:
| ★ | Visitors and users of our websites, mobile applications, APIs, and other digital platforms. |
| ★ | Clients availing Bill Payment, Education fee collection, Travel, and Insurance Payments services. |
| ★ | B2B stakeholders including Educational institutions, insurers, banks, agents, merchants, and channel partners. |
INFORMATION WE COLLECT
We may collect the following types of personal and sensitive data:
| ★ PERSONAL INFORMATION | : | Name, address, email, phone number, date of birth, KYC documents (PAN, Aadhaar, etc.). |
| ★ FINANCIAL INFORMATION | : | Bank details, UPI IDs, card details, insurance policy numbers, loan EMIs, and billing account details. |
| ★ TRANSACTION DATA | : | Payment history, service usage patterns, booking details, claims records, and insurance preferences. |
| ★ KYC AND REGULATORY DATA | : | Information required under Know Your Customer (KYC), AML, IRDAI, RBI, BBPS, and education board regulations. |
| ★ DEVICE AND TECHNICAL DATA | : | IP addresses, browser types, mobile identifiers, operating system, and location data (with permission). |
| ★ EDUCATIONAL AND TRAVEL DATA | : | Fee structure, course details, institution identifiers, travel itineraries, accommodation preferences. |
| ★ USER-GENERATED DATA | : | Feedback, inquiries, documents uploaded via forms or customer support channels. |
PURPOSE OF DATA COLLECTION
We collect and process data for the following lawful purposes:
| ★ | To facilitate Bill Payments, Education fee processing, Travel bookings, and Insurance Payments services. |
| ★ | To fulfil legal and regulatory obligations (RBI, IRDAI, BBPS, NPCI). |
| ★ | For transaction authentication, fraud prevention, and cybersecurity compliance. |
| ★ | To personalize offerings, provide reminders, generate invoices, and enable EMI/payment options. |
| ★ | To manage claims, provide customer support, and fulfil contractual obligations. |
| ★ | For platform optimization, analytics, and service improvement. |
| ★ | To send service-related communications, promotional offers (with consent), and policy updates. |
DATA SHARING AND DISCLOSURE
We do not sell Personal Information. We may share it with:
| ★ AUTHORIZED PARTNERS | : | Banks, NBFCs, payment gateways, travel suppliers, insurers, and education institutions for service execution. |
| ★ REGULATORS AND AUTHORITIES | : | Government bodies, courts, enforcement agencies, and regulators, if mandated by law. |
| ★ TECHNOLOGY AND SUPPORT VENDORS | : | Hosting providers, CRM vendors, analytics tools, and cloud infrastructure partners. |
| ★ AFFILIATES AND GROUP COMPANIES | : | For internal operations, legal compliance, and customer engagement—only on a need-to-know basis. |
We do NOT sell or rent personal information to third parties.
DATA RETENTION
We retain personal data only for as long as required:
| ★ | To fulfil the purposes mentioned above. |
| ★ | As mandated by applicable laws and regulators (e.g., IRDAI, RBI, BHARAT CONNECT, NPCI). |
| ★ | For resolving disputes, enforcing agreements, and legal compliance. |
DATA PROTECTION AND SECURITY
We implement industry-standard security measures to protect your data, including:
| ★ | Encryption of sensitive information (at rest and in transit). |
| ★ | Regular vulnerability assessments and compliance audits. |
| ★ | Multi-factor authentication and role-based access control. |
| ★ | Secure infrastructure for data hosting and payment processing. |
USER RIGHTS
Subject to applicable laws, users may have the following rights:
| ★ | Right to access their data. |
| ★ | Right to request correction or deletion. |
| ★ | Right to withdraw consent (where processing is based on consent). |
| ★ | Right to opt out of promotional communications. |
| ★ | Right to data portability and objection to profiling, if applicable. |
Requests can be made by contacting our GRIEVANCE OFFICER
CONSENT
By using our platforms or availing our services, you consent to the collection and processing of your information in accordance with this Privacy Policy.
POLICY UPDATES
We may update this Privacy Policy periodically to reflect changes in law or our business practices. The updated version will be posted on our website/mobile app with the effective date.
