At IPaynow, operated by Eazynow Technologies Private Limited ("IPaynow", "we", "our", or "us"), we respect your privacy and are committed to protecting your personal information.

We do not sell, rent, or disclose your personal information to third parties for marketing purposes without your explicit consent, except where required by applicable laws or regulatory authorities.

This Privacy Policy applies to all services provided through the IPaynow Mobile Application, Website, and related platforms ("Platform"). By accessing or using our Platform, you agree to the collection, use, storage, and disclosure of your information in accordance with this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Platform.

This Privacy Policy does not apply to third-party websites or services linked through our Platform. We encourage you to review their privacy policies before sharing your personal information.

This Privacy Policy explains the information we collect, how we use it, how we protect it, and the choices available to you regarding your personal information. This Privacy Policy forms an integral part of our Terms & Conditions.

Privacy Guarantee

We are committed to maintaining the confidentiality and security of your personal information.

We do not sell or rent your personal information to third parties for marketing purposes.

However, your information may be shared with the following entities only when required to provide our services or to comply with applicable laws:

• Banks and Financial Institutions
• Bharat Connect (BBPS)
• NPCI
• Payment Gateway Providers
• Telecom Operators
• Utility Service Providers
• Government Authorities
• Regulatory Authorities
• Law Enforcement Agencies

We may also publish anonymous or aggregated statistical information that does not identify any individual user.

Access to your personal information is restricted to authorized employees, contractors, and service providers who require such information to perform their responsibilities. Any misuse of personal information may result in disciplinary action and, where applicable, legal proceedings.

Information We Collect

We collect only the information necessary to provide our services efficiently.

Depending on the services you use, we may collect:

• Full Name
• Mobile Number
• Email Address
• Profile Photograph
• Customer ID
• Device Information
• IP Address
• Transaction History
• Recharge Details
• Bill Payment Details
• BBPS Information
• KYC Information (where applicable)

When you register an account, we may request your name, mobile number, email address, and other information required to provide our services.

Cookies

We use cookies and similar technologies to:

• Improve website performance.
• Maintain secure login sessions.
• Remember your preferences.
• Analyze website usage.
• Prevent fraudulent activities.

Cookies are small text files stored on your device to improve your browsing experience.

You may disable cookies through your browser settings. However, certain features of the Platform may not function properly if cookies are disabled.

Some cookies may be provided by trusted third-party analytics or service providers. We do not control the cookies placed by third-party websites.

Device Information

To improve security and service quality, we may automatically collect:

• Device Model
• Operating System
• Browser Information
• Device Identifier
• Application Version
• IP Address
• Mobile Network
• Crash Reports

This information helps us maintain the security, stability, and reliability of our Platform.

Storage and Retention

Your personal information is securely stored within India and retained only for as long as necessary to provide our services or comply with applicable laws.

We may retain your information for longer periods where required for:

• RBI Compliance
• BBPS Regulations
• Taxation Requirements
• Fraud Prevention
• Legal Proceedings
• Regulatory Directions

Once the applicable retention period expires, your personal information will be securely deleted or anonymized in accordance with applicable laws.

Security

We implement appropriate administrative, technical, and physical safeguards to protect your personal information.

• SSL Encryption
• Secure Servers
• Firewall Protection
• Database Security
• Access Controls
• Regular Security Monitoring

While we strive to protect your information, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security.

Your Responsibilities

You are responsible for maintaining the confidentiality of your login credentials.

If you receive any such request, please report it immediately to our support team.

Delete Your IPaynow Account

If you wish to permanently delete your IPaynow account and associated personal data, please send an email from your registered email address to: support@ipaynow.in

Changes to this Privacy Policy

IPaynow may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or regulatory obligations.

The latest version of this Privacy Policy will always be available on our Website and Mobile Application.

Your continued use of the Platform after any updates constitutes your acceptance of the revised Privacy Policy.