PRIVACY POLICY FOR RURALPAYS
Effective Date: 06 January 2026
Ruralpays is a digital payments and service platform that provides domestic money remittance, mobile recharge, and utility bill payment services through digital devices such as personal computers and Android phones. Ruralpays also offers services through APIs and SMS long codes. This Privacy Policy explains how we collect, use, disclose, and protect user information when you use the Ruralpays application or related services.
By using Ruralpays, you agree to the collection and use of information in accordance with this Privacy Policy.
INFORMATION WE COLLECT
We may collect the following types of information to provide and improve our services:
Personal Information
Name
Mobile number
Email address
Account and Verification Information
User identification details required for account creation
KYC or verification details where required by law or regulatory authorities
Financial and Transaction Information
Transaction details and transaction history
Remittance, recharge, and bill payment records
Payment-related information (excluding sensitive bank or card credentials, which are securely handled by authorized payment partners)
Service Usage Information
Mobile recharge, money transfer, and utility bill payment activity
API or SMS-based service usage records
App interaction and activity logs
Device and Technical Information
Device type
Operating system
App version
IP address
Location Information (if applicable)
Approximate location such as city or state for service availability, compliance, and security purposes
HOW WE USE INFORMATION
We use the collected information for the following purposes:
To create and manage user accounts
To provide domestic money remittance, recharge, and bill payment services
To process transactions and maintain transaction records
To enable services via mobile apps, web platforms, APIs, and SMS
To communicate transaction alerts, service updates, and support messages
To improve service quality, performance, and user experience
To detect, prevent, and manage fraud or unauthorized activities
To comply with applicable laws, regulations, and financial guidelines
DATA SHARING AND DISCLOSURE
We do not sell user personal data to third parties.
Information may be shared only in the following circumstances:
With banks, payment gateways, billers, telecom operators, and service providers to complete transactions
With technology partners supporting APIs, SMS services, hosting, or analytics, under confidentiality obligations
When required by law, legal process, or regulatory authorities
To protect the rights, safety, and security of users and Ruralpays
DATA SECURITY
We implement reasonable technical and organizational security measures to protect user information, including secure data transmission and access controls. However, no method of electronic storage or transmission over the internet is completely secure, and absolute security cannot be guaranteed.
DATA RETENTION
User information is retained only for as long as necessary to provide services, comply with legal and regulatory obligations, resolve disputes, and enforce agreements. Certain transaction or financial records may be retained for longer periods as required by law.
USER RIGHTS AND DATA DELETION
Users may request access to or deletion of their personal data by contacting Ruralpays through the official support channel provided within the app or service platform. Data deletion requests will be processed after verification and in accordance with applicable laws and regulatory record-retention requirements.
CHILDREN’S PRIVACY
Ruralpays is not intended for use by individuals under the age of 13. We do not knowingly collect personal information from children.
THIRD-PARTY SERVICES
Ruralpays integrates with third-party services such as banks, payment gateways, telecom operators, analytics providers, and infrastructure partners. These third parties operate under their own privacy policies, and Ruralpays is not responsible for their data handling practices.
CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. Any changes will be posted within the app, website, or official platform where the service is provided. Continued use of Ruralpays after updates indicates acceptance of the revised policy.
CONTACT US
If you have any questions or concerns about this Privacy Policy or data practices, please contact Ruralpays through the official support details provided in the application or service platform.
Application Name: Ruralpays