1. Information We Collect

We collect the following types of information when you use NTIKPAY:

a. Personal Information

• Mobile number (for login and verification)
• Name and email address (if provided during registration)
• Transaction details (for recharge, bill payment, or insurance services)
• KYC details (if required for certain BBPS or financial transactions)

b. Device Information

• Device ID, model, operating system, and app version
• IP address and network information (for fraud prevention and analytics)

c. Usage Information

• App usage statistics
• Payment history and transaction logs (only related to services performed on the app)

2. How We Use Your Information

We use your information to:

• Verify your identity and enable login via mobile number
• Process mobile recharge, DTH, utility bills, and insurance payments
• Provide BBPS and partner services securely
• Send transaction updates, receipts, and notifications
• Improve app performance, features, and customer support
• Detect and prevent fraud, unauthorized transactions, and other illegal activities

3. Data Sharing and Disclosure

We do not sell or rent your personal data. We may share limited information with:

• Service Providers and Payment Gateways for processing payments and transactions.
• BBPS/Authorized Partners to fulfill bill payment and recharge services.
• Law Enforcement or Regulators when required by applicable law or legal process.

4. Data Security

We use secure encryption and industry-standard security practices to protect your data. All sensitive data such as payment details are transmitted securely using SSL (Secure Socket Layer) technology.

5. Data Retention

We retain your information only as long as necessary to:

• Provide services,
• Comply with legal and regulatory obligations, and
• Resolve disputes or enforce agreements.

You can request account deletion anytime by contacting us.

6. Your Rights

You may:

• Access, update, or delete your personal information,
• Opt out of marketing messages, and
• Contact us for data-related queries.

To exercise these rights, please contact us at [email protected].

7. Third-Party Services

NTIKPAY may include links or integrations with third-party APIs or services such as:

• Payment gateways
• BBPS partners
• Insurance service providers

These third parties have their own privacy policies. We encourage you to review them before using their services.

8. Children’s Privacy

Our services are intended for users aged 18 years and above. We do not knowingly collect personal data from children.

9. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted within the app and/or on our website. Previous policy posted date: 11-April-2022.

10. Contact Us