Privacy Policy

📅 Effective Date: [Insert Date]

This Privacy Policy is prepared in compliance with Indian Information Technology laws, Digital Personal Data Protection Act, 2023 (DPDP Act), and Google Play Store & Apple App Store guidelines. It governs the use of the mobile application and website ("Platform") operated by U Pay Digital India Private Limited ("Company", "we", "our", "us").

This Platform provides Recharge, Bill Payments, and Travel Services including Flight & Train Ticket Booking.

By installing, accessing, or using the Platform, you agree to this Privacy Policy.

1. Legal Compliance & Regulatory Framework

This Privacy Policy is designed to comply with:

Information Technology Act, 2000
IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
Digital Personal Data Protection Act, 2023 (India)
Google Play Developer Program Policies
Apple App Store Review Guidelines
Applicable RBI, NPCI, IRCTC, airline, and travel aggregator regulations (where applicable)

2. Information We Collect

2.1 Personal Data

Full name
Mobile number
Email address
Date of birth (if required)
Residential address

2.2 Sensitive & Financial Data

Payment instrument details (UPI, debit/credit cards, net banking)
Bank account details for refunds (when applicable)

Note: We do not store card or UPI credentials. Payments are processed via PCI-DSS compliant payment gateways.

2.3 Travel Booking Data

Passenger details (name, age, gender)
Travel identification documents (only if mandated by airlines, IRCTC, or law)
Ticket and itinerary details

2.4 Technical & Device Data

IP address
Device identifiers
App version and OS
Log and diagnostic data

3. Purpose of Data Collection (Google & Apple Mandatory Disclosure)

We collect and use data strictly for:

Processing recharges, bill payments, and ticket bookings
Payment processing and refunds
Identity verification and fraud prevention
Customer support and grievance handling
Legal and regulatory compliance
App security, debugging, and analytics

📢 Data is not used for advertising without explicit consent.

4. User Consent & Control

Consent is obtained at account creation and before collecting sensitive data
Users may withdraw consent by uninstalling the app or contacting support
Certain services may not function if mandatory data is withdrawn

5. Data Sharing & Disclosure

We may share user data only with:

RBI/NPCI-authorized payment gateways
Airlines, IRCTC, GDS systems, and travel partners
Billers, operators, and service providers
Government or law enforcement agencies when legally required

We do not sell or rent personal data.

6. Data Storage, Retention & Localization

Data is stored on secure servers located in India or approved jurisdictions
Financial and transaction data is retained as per RBI, tax, and legal requirements
Personal data is deleted or anonymized once the purpose is fulfilled

7. Security Practices (Play Store Requirement)

We follow reasonable security practices including:

HTTPS with SSL encryption
Secure APIs and token-based authentication
Access controls and audit logs
Regular security reviews

However, no digital platform can guarantee absolute security.

8. User Rights Under DPDP Act, 2023

Users have the right to:

Access personal data
Correct or update inaccurate information
Request data deletion (subject to legal retention)
Grievance redressal

Requests can be made using the contact details below.

9. Children’s Privacy (Google & Apple Compliance)

This Platform is not intended for users under 18 years of age. We do not knowingly collect children’s data.

10. Third-Party Services Disclaimer

The Platform integrates third-party services such as payment gateways, travel APIs, and analytics tools. We are not responsible for their independent privacy practices.

11. Grievance Officer (Mandatory for India)

In accordance with Indian law:

Grievance Officer Name: [Name]

Email: [Grievance Email]

Address: [Registered Office Address]

Complaints will be resolved within the legally prescribed timelines.

12. Policy Updates

We reserve the right to update this Privacy Policy. Users will be notified of material changes via the app or website.

13. Contact Information

Company Legal Name: U Pay Digital India Private Limited

Support Email: [Support Email]

Registered Address: [Address]

⚖️ This Privacy Policy applies equally to the mobile application and website and is published in compliance with Google Play Store and Apple App Store requirements.