Privacy Policy

1. Introduction

At VishPay, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access our platform.

2. Information We Collect

We collect several types of information from and about users of our platform, including:

Personal Data

When you register for an account or make a payment, we may collect personal information such as:

• Name, email address, phone number, and other contact details
• Billing information and account details
• Consumer numbers and IDs related to your utility accounts
• Transaction history and payment records

Automatically Collected Data

When you visit our platform, our servers may automatically log standard data provided by your web browser such as:

• IP address
• Browser type and version
• Pages you visit and time spent on those pages
• Device information
• Referral source

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Facilitating bill payments and transactions
• Creating and maintaining your account
• Providing customer support
• Sending transaction confirmations and receipts
• Sending service-related notifications
• Improving our platform and services
• Detecting and preventing fraudulent activities
• Complying with legal obligations

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These include:

• Encryption of sensitive data
• Secure socket layer (SSL) technology
• Regular security assessments
• Restricted access to personal information
• Compliance with industry standards for data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Sharing Your Information

We may share your personal information with:

• Bharat Connect and affiliated service providers necessary to process your transactions
• Third-party service providers who assist us in operating our platform
• Financial institutions and payment processors to facilitate payments
• Legal authorities when required by law or to protect our rights

We do not sell, trade, or otherwise transfer your personal information to third parties for marketing purposes without your consent.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our platform and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our platform.

7. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will also retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

8. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request erasure of your personal information
• The right to object to processing of your personal information
• The right to data portability
• The right to withdraw consent

To exercise any of these rights, please contact us using the information provided at the end of this policy.

9. Children's Privacy

Our platform is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us so that we can take necessary actions.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.