Your data, protected at every step

When you register or use our services, we may collect:

• Full Name
• Mobile Number
• Email Address (if provided)
• Date of Birth (if required)
• Address (if required)
• Government-issued identification details, where required by law or our service providers
• Profile information provided by you

To provide recharge and BBPS services, we may collect:

• Recharge mobile numbers
• DTH account details
• Consumer numbers
• Customer IDs
• Electricity, gas, water, broadband, FASTag, and other bill details
• Transaction history
• Payment status and reference numbers

We may automatically collect:

• Device model
• Android version
• App version
• Device identifiers
• IP address
• Network information
• Crash logs
• Diagnostic information

With your permission, the app may collect your approximate or precise location to:

• Improve security
• Detect fraudulent activities
• Comply with regulatory requirements where applicable
• Improve service availability

Location access is optional unless required for a specific service.

We use your information to:

• Create and manage your account
• Process mobile, DTH, and data recharge requests
• Process BBPS bill payments
• Verify customer identity where required
• Process transactions securely
• Send transaction confirmations
• Provide customer support
• Detect fraud and unauthorized activity
• Improve app performance and user experience
• Comply with applicable legal and regulatory obligations

When you use BBPS services, the information necessary to complete your bill payment is shared with authorized BBPS participants, billers, payment gateways, banks, and regulatory entities only to facilitate the requested transaction.

For recharge transactions, we share only the information required to process your recharge with telecom operators, DTH operators, payment gateways, and authorized service providers.

Depending on your usage, AgnniPay may request the following permissions:

You can manage these permissions at any time through your device settings.

We do not sell or rent your personal information.

We may share information only with:

• Payment gateways
• Banks and financial institutions
• BBPS ecosystem participants
• Telecom and DTH operators
• Service providers assisting us in operating the platform
• Government authorities when legally required
• Regulatory agencies when mandated by applicable law

We implement reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. While we strive to protect your data, no method of electronic transmission or storage is completely secure. Therefore, absolute security cannot be guaranteed.

We retain your information only for as long as necessary to:

• Provide our services
• Maintain transaction records
• Resolve disputes
• Meet legal, regulatory, and accounting obligations

Subject to applicable laws, you may:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your account, where legally permissible
• Update your profile information
• Withdraw optional permissions through your device settings

Certain information may be retained where required by law or regulatory obligations.

AgnniPay B2C is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

The app may interact with third-party services including:

• Payment gateways
• Banks
• BBPS infrastructure
• Telecom operators
• Analytics providers
• Cloud hosting providers

These third parties have their own privacy policies governing the handling of your information.

We may update this Privacy Policy from time to time. Any changes will become effective once the updated version is published within the app or on our official website. Continued use of the app constitutes acceptance of the revised Privacy Policy.

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us using the support details provided within the AgnniPay B2C application or through our official customer support channels.