Privacy Policy

1. Introduction

GramiPay respects your privacy and is committed to protecting information that you provide while using our website, platform, applications, and services.

2. Information We Collect

Depending on the services you use, we may collect information necessary to provide account, payment, customer support, and related services.

• Name and contact information.
• Mobile number and email address.
• Account and authentication information.
• Insurance policy or biller information.
• Transaction and payment information.
• Device, browser, and technical information.
• Information required to comply with applicable legal or regulatory requirements.

3. How We Use Information

Information may be used to:

• Provide and operate GramiPay services.
• Process and track transactions.
• Send transaction confirmations and notifications.
• Provide customer support.
• Detect and prevent fraud or unauthorized activity.
• Improve website and platform performance.
• Meet legal and regulatory obligations.

4. Payment Information

Payments may be processed through authorized banks, payment gateways, BBPS infrastructure, and other payment service providers.

Such providers may process transaction information according to their own terms, privacy policies, and security practices.

5. Information Sharing

Information may be shared with authorized service providers, payment partners, insurers, billers, financial institutions, technology providers, or government and regulatory authorities where necessary to provide services, prevent fraud, or comply with applicable law.

GramiPay does not sell personal information merely for the purpose of selling user data.

6. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, alteration, disclosure, or destruction.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

7. Cookies

GramiPay may use cookies and similar technologies to maintain sessions, improve functionality, understand website usage, and improve user experience.

8. Third-Party Websites

Our website may contain links or integrations to third-party websites and services. GramiPay is not responsible for the privacy practices of third-party websites.

9. Data Retention

Information may be retained for as long as reasonably necessary to provide services, maintain transaction records, resolve disputes, prevent fraud, and satisfy applicable legal and regulatory requirements.

10. Your Rights

Subject to applicable laws, you may have rights relating to access, correction, or other handling of your personal information.

Requests can be submitted using the contact details provided below.

11. Changes to This Privacy Policy

GramiPay may update this Privacy Policy periodically. Changes will be published on this page with an updated effective date where appropriate.

12. Contact Us