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Privacy Policy

1. Introduction

BharatPaye ("we", "us", "our") operates a merchant bill-payment platform that lets you pay Electricity bills, recharge FASTag accounts and top up Mobile plans through the Bharat Bill Payment System (BBPS). This Privacy Policy describes what information we collect when you use BharatPaye, how we use it, who we share it with, and the choices available to you. By creating an account or using any service on this platform, you agree to the practices described here.

2. Information We Collect

a. Account information

When you register, we collect your name, email address, mobile number and state. We use a one-time password (OTP) sent to your mobile number to verify your identity — we do not ask you to create or store a password.

b. Service-specific information

  • FASTag Recharge — vehicle registration number, issuer bank and recharge amount.
  • Electricity Bill Payment — electricity provider/board and consumer or account number.
  • Mobile Recharge — mobile number, operator/circle and the plan selected.

c. Transaction and usage data

Every request generates a unique reference ID, along with its amount, status and timestamp, visible to you in your Transactions page. We also record technical information such as IP address, browser/device details and session activity to keep your account secure.

3. How We Use Your Information

  • To authenticate you via OTP and maintain a secure session.
  • To process and complete electricity, FASTag and mobile recharge requests through our BBPS payment aggregator.
  • To display your transaction history and provide reference IDs for tracking and support.
  • To detect, prevent and investigate fraud, abuse or unauthorized access.
  • To send transactional updates (status of a recharge/payment, OTPs, support responses) by SMS or email.
  • To comply with applicable law, RBI/NPCI guidelines and regulatory requests.

4. Sharing With Third Parties

We do not sell your personal information. To complete a bill payment or recharge, the minimum information necessary is shared with:

  • Our BBPS payment aggregator (BillAvenue), which routes your request to the National Payments Corporation of India (NPCI) Bharat BillPay network.
  • The relevant biller, utility board, FASTag issuer bank or mobile operator you have selected, solely to fulfil your request.
  • Regulators, law enforcement or courts, where required by law or to protect our rights and users.

These third parties are permitted to use your information only to the extent necessary to provide the service and are bound by their own applicable data-protection obligations.

5. No Wallet, No Stored Balance

BharatPaye does not maintain a wallet or hold any customer funds. Every payment you make is routed directly to the selected biller or FASTag issuer through the BBPS network for that single transaction — we do not retain a running balance on your behalf, and no advance deposit or lock-in is required to use the platform.

6. Data Security & Retention

Access to your account relies on OTPs that are single-use and expire automatically — we never store them beyond that validity window. Sessions are authenticated and encrypted in transit over HTTPS, and access to stored data is restricted to systems and personnel that need it to operate the service.

We retain account and transaction records for as long as your account remains active and thereafter for the period required to meet accounting, audit and regulatory (RBI/NPCI) obligations, after which the data is securely deleted or anonymised.

7. Your Rights & Choices

  • You can review and update your profile details (name, email, state) at any time from your account.
  • You may request a copy of the personal data we hold about you.
  • You may request deactivation or deletion of your account by contacting our support team, subject to any records we are legally required to retain.
  • You can decline non-essential communications while continuing to receive transactional alerts required to operate your account.

8. Cookies & Session Data

We use essential session cookies to keep you signed in and to protect your account against cross-site request forgery. We do not use third-party advertising or tracking cookies.

9. Children's Privacy

Our services are intended for users who are at least 18 years old and capable of entering into a binding agreement under Indian law. We do not knowingly collect information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. The "Last updated" date at the top of this page indicates when it was last revised. Continued use of BharatPaye after an update constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or how your information is handled, write to us at support@bharatpaye.in.