Information We Collect

We collect the following information when you use our BBPS services:

• Personal Information: Mobile number*, name (optional), profile picture (optional), location (optional).
• Financial Information: Bill payment details, transaction history.
• Device Information: Device ID, operating system, IP address, location data (optional).
• Usage Data: App usage patterns, pages visited, features used.
• indicates mandatory information required to use our BBPS services.

How We Collect Information

We collect information through:

• Registration Page: When you create an account on the QPay App.
• Payment Gateway: When you make payments through our payment gateway partner, Cashfree.

Bill Payment Page: When you use our BBPS services to pay bills.

How We Use Your Information

We use your information to:

• Provide and improve BBPS services: Process bill payments, provide transaction history, and enhance user experience.
• Process transactions: Facilitate secure and efficient bill payments through Cashfree and MobiKwik (our BBPS operator unit).
• Provide customer support: Address your inquiries and resolve issues.
• Offer personalized recommendations: Suggest relevant billers and payment options.

Prevent fraud and enhance security: Protect your account and transactions from unauthorized access.

Data Sharing and Disclosure

We may share your information with:

• Third-party service providers
• Cashfree: Our payment gateway provider for processing payments.
• MobiKwik: Our BBPS operator unit for facilitating bill payments.
• Jio: Our SMS provider for sending transactional messages.
• Legal authorities: We may disclose information to comply with legal obligations or valid government requests.

Business transfers: We do not share your information with any other businesses for marketing or other purposes.

Data Security

We take the following measures to protect your information:

• Encryption: We encrypt sensitive data during transmission and storage.
• VAPT: We conduct regular Vulnerability Assessment and Penetration Testing to identify and address security risks.
• Access controls: We restrict access to your information to authorized personnel only.
• Secure servers: We store your data on secure servers with appropriate safeguards.

Data retention: We retain your data only for as long as necessary to provide BBPS services and comply with legal obligations.

User Rights

You have the following rights regarding your information:

• Access and correction: You can update your name and profile picture through a dedicated form within the QPay App.
• Data deletion: You can request account deletion by emailing [email protected] with your registered mobile number.

Marketing communications: You may receive SMS messages for new offers and updates related to our services.