1. Introduction

This Privacy Policy describes how we collect, use, store, and share information when you use our website at ApnaPay.in and our mobile application ApnaPa (together, the Services). By using the Services, you agree to this policy. If you do not agree, please do not use the Services.

2. Information we collect

2.1 Information we collect

• Account and profile information (e.g. name, mobile number, email where applicable).
• Payment-related information processed by regulated payment partners (we do not store full card details on our servers where prohibited).
• Communications you send us (support requests, feedback).

2.2 Automatically collected

• Device and app information (e.g. device type, OS version, app version, diagnostic logs) to operate the Services and improve stability.
• Security and fraud-prevention signals as permitted by law.

2.3 Contacts (device permission)

If you choose to allow contact access on your device, we may access contact names and phone numbers stored on your device solely to:

• help you select numbers for services such as mobile recharge; and
• support chat-related features (for example, showing saved names in conversations and helping you find people who use our service), as described in the app.

Contact access is optional. You can refuse permission and still use many features; some features may not work without it. You can withdraw access anytime in your device settings:

Settings → Apps → ApnaPay → Permissions

We do not sell your contact list. We use contact information only as needed to provide the features you use, consistent with our disclosures in the app and this policy.

2.4 Location, camera, microphone, and other permissions

We request access only where a feature requires it (for example, location for delivery or maps, camera for QR or profile photos, microphone for calls). Purposes are shown in the app when permission is requested.

Children's Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13 years of age. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do the necessary actions.

3. How we use information

• To provide, maintain, and secure the Services.
• To authenticate you and manage your account.
• To process transactions and comply with legal obligations.
• To communicate with you about the Services (not for unrelated marketing unless you opt in).

4. Sharing of information

We may share information with:

• Service providers who assist us (e.g. hosting, customer support tools), bound by confidentiality and processing agreements.
• Payment and banking partners as required to complete transactions..
• Authorities when required by law or to protect rights and safety.

We do not sell your personal information to third parties for their independent marketing.

5. Retention

We retain information as long as needed to provide the Services and meet legal, tax, and regulatory requirements, then delete or anonymize it where appropriate.

6. Security

We use reasonable technical and organizational measures to protect information. No method of transmission over the internet is 100% secure

7. Children

Depending on applicable law, you may have rights to access, correct, delete, or restrict processing of your personal information, or to object to certain processing. Contact us at support@apnapay.com

8. Your rights

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

9. Third-party links and services

Our Services may contain links to third parties. Their practices are governed by their own policies.

10. International transfers

If data is processed outside your country, we take steps required by applicable law to protect it.

11. Changes

We may update this policy. We will post the new version on this page and update the “Last updated” date. For material changes, we may provide additional notice as required by law.

12.Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at support@apnapay.com.