Privacy Policy

Introduction

Unnisis Techlife Private Limited (RechargeBill Pay Pvt. Ltd.) ("RechargeBill Pay", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you use our mobile application, website, and related services (the "Platform").

By accessing or using our Platform, you agree to the terms of this Privacy Policy.

1. Information We Collect

a. Information You Provide Directly:

• Full name, mobile number, and email address during registration.
• Bank account details and UPI PIN (encrypted, never stored in readable form).
• KYC documents (PAN card, Aadhaar number) required for regulatory compliance.
• Billing information for premium subscriptions.
• Communications sent to our support team.

b. Information Collected Automatically:

• Device information (model, OS version, unique device identifiers).
• IP address, browser type, and usage logs.
• Transaction history, payment records, and cashback activity.
• Location data (only if you grant permission, used for fraud detection and nearby offers).
• App usage analytics and crash reports.

c. Information from Third Parties:

• Identity verification data from authorized KYC bureaus.
• Bank verification responses from payment networks.
• Partner merchant data when you transact at their platforms.

2. How We Use Your Information

We use your information to:

• Create and manage your RechargeBill Pay account.
• Process payments, transfers, recharges, and bill payments.
• Verify your identity as required by RBI regulations.
• Detect and prevent fraud and unauthorized transactions.
• Send transaction alerts, promotional offers, and important updates.
• Improve our Platform through analytics.
• Provide customer support.
• Comply with applicable laws and regulations.

3. How We Share Your Information

We do not sell your personal data. We may share your information with:

• Banks and Payment Networks: NPCI, your linked bank, and payment gateway partners — for processing transactions.
• BBPS and Government Entities: For utility bill payments and regulatory compliance.
• Technology Partners: Cloud hosting and analytics providers operating under strict data processing agreements.
• Legal Authorities: When required by law, court order, or to prevent financial crime.
• Business Partners: With your consent, for cashback offers and partner merchant programs.

4. Data Security

We implement:

• 256-bit SSL/TLS encryption for all data in transit.
• AES-256 encryption for sensitive data at rest.
• Multi-factor authentication (MFA) for all account access.
• Regular security audits and penetration testing.
• PCI-DSS compliance for payment data.

We encourage you to use a strong UPI PIN and never share it with anyone.

5. Data Retention

We retain your personal data for as long as your account is active or as required by applicable law (typically 5–7 years for financial records). You may request deletion of non-regulatory data by contacting us.

6. Your Rights

You have the right to:

• Access and review the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of data not required for regulatory compliance.
• Withdraw consent for marketing communications at any time.

To exercise any of these rights, contact: info@rechargebillpay.com

7. Cookies

Our website uses cookies to improve your browsing experience and analyze traffic. You can control cookie settings through your browser.

8. Children's Privacy

Our Platform is not intended for children under the age of 18. We do not knowingly collect personal data from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time and will notify you of significant changes via in-app notifications or email.

10. Contact Us

Unnisis Techlife Private Limited (RechargeBill Pay Pvt. Ltd.)
FF-18, Goel Palace, Sanjay Gandhi Puram, Faizabad Road, Near Lekhraj Market Metro station, Lucknow, Uttar Pradesh Pin code: 226016, India
Email: info@rechargebillpay.com