For Qpay’s BBPS Services.
Effective Date: October 26, 2024
Introduction
Qax Tech Private Limited ("QPay," "we," "us," or "our") is committed to protecting the privacy of our users. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our Bharat Bill Payment System (BBPS) services through our website (queepay.com) and mobile application ("QPay App").
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 info@queepay.com with your registered mobile number.
Marketing communications: You may receive SMS messages for new offers and updates related to our services.
Children's Privacy
Our BBPS services are available to users of all ages supported by the Bharat Bill Payment System guidelines.
Updates to the Privacy Policy
This Privacy Policy may be updated from time to time without prior notice. Please review this policy periodically. Your continued use of our services after any changes signifies your acceptance of the updated terms.
SMS Permissions and Usage
Our app requests access to SMS messages strictly for financial and transaction‐related purposes. This access is used only to:
• Automatically read one-time passwords (OTPs) for bank verification or payment confirmation.
• Interpret transactional messages required to complete BBPS bill payments or bank linking flows.
We do **not** access personal, promotional, or non-financial messages. SMS content is used only for immediate verification and is not stored or shared with third parties except as required to complete the financial transaction.
We disclose this usage when requesting permission and the user may choose to allow or deny SMS access. If denied, certain features like automatic OTP reading may not function as intended.
Contact Information
If you have any questions or concerns about this Privacy Policy, please contact us at.