N1Pay Ensures Your Data stays Private, Your Payments stay Secure, and Your Trust stays Strong.
Learn What Personal and Transactional Information We Gather and Why It's Necessary for Providing Secure and Reliable Bill Payment Services.
See How Your Information is used from Processing Payments to Sending Alerts and How It Helps Improve Your Overall Experience.
Discover Your Rights Regarding Data Access, Correction, and Withdrawal of Consent, in Line with the Digital Personal Data Protection Act (DPDPA) 2023.
Understand the Steps We Take to Protect Your Data, Including Encryption, Secure Servers, and Third-Party Compliance.
This Privacy Policy Outlines How We Collect, Use, Disclose, Store, and Protect Personal and Financial Information While Providing our Services Across Digital Payments, Education Fee Collections, Travel Bookings, and Insurance Payments. We are Committed to Safeguarding the Privacy and Confidentiality of the Information Entrusted to us by Individuals, Businesses, and Institutional Clients.
This Privacy Policy Applies to:
| Visitors and Users of our Websites, Mobile Applications, API'S, and Other Digital Platforms. | |
| Clients Availing Bill Payments, Education Fee Payments, Travel Services and Insurance Payments. | |
| B2B Stakeholders Including Educational Institutions, Insurers, Banks, Agents, Merchants, and Channel Partners. |
We May Collect the Following Types of Personal and Sensitive Data:
| USER-GENERATED DATA | : | Feedback, Inquiries, Documents Uploaded Via Forms or Customer Support Channels. | |
| PERSONAL INFORMATION | : | Name, Address, Email, Phone Number, Date of Birth, KYC Documents (PAN, Aadhaar, etc.). | |
| EDUCATIONAL AND TRAVEL DATA | : | Fee Structure, Course Details, Institution Identifiers, Travel Itineraries, Accommodation Preferences. | |
| FINANCIAL INFORMATION | : | Bank Details, UPI IDs, Card Details, Insurance Policy Numbers, Loan EMIs, and Billing Account Details. | |
| TRANSACTION DATA | : | Payment History, Service Usage Patterns, Booking Details, Claims Records, and Insurance Preferences. | |
| DEVICE AND TECHNICAL DATA | : | IP Addresses, Browser Types, Mobile Identifiers, Operating System, and Location Data (With Permission). | |
| KYC AND REGULATORY DATA | : | Information Required Under Know Your Customer (KYC), AML, IRDAI, RBI, BBPS, and Education Board Regulations. |
We Collect and Process Data for the Following Lawful Purposes:
| For Platform Optimization, Analytics, and Service Improvement. | |
| To Fulfill Legal and Regulatory Obligations (RBI, IRDAI, BBPS, NPCI). | |
| For Transaction Authentication, Fraud Prevention, and Cybersecurity Compliance. | |
| To Send Service-Related Communications, Promotional Offers (With Consent), and Policy Updates. | |
| To Personalize Offerings, Provide Reminders, Generate Invoices, and Enable EMI/Payment Options. | |
| To Facilitate Bill Payments, Education Fee Payments, Travel Bookings and Insurance Payments Services. | |
| To Manage Claims, Provide Customer Support, and Fulfill Contractual Obligations.To Manage Claims, Provide Customer Support, and Fulfill Contractual Obligations. |
We Do NOT Sell Personal Information. We May Share it with:
| TECHNOLOGY AND SUPPORT VENDORS | : | Hosting Providers, CRM Vendors, Analytics Tools, and Cloud Infrastructure Partners. | |
| REGULATORS AND AUTHORITIES | : | Government Bodies, Courts, Enforcement Agencies, and Regulators, If Mandated by Law. | |
| AFFILIATES AND GROUP COMPANIES | : | For Internal Operations, Legal Compliance, and Customer Engagement—Only on a Need-To-Know Basis. | |
| AUTHORIZED PARTNERS | : | Banks, NBFCs, Payment Gateways, Travel Suppliers, Insurers, and Education Institutions for Service Execution. |
We do NOT Sell or Rent Personal Information to Third Parties.
We Retain Personal Data Only for as Long as Required:
| To Fulfill the Purposes Mentioned Above. | |
| For Resolving Disputes, Enforcing Agreements, and Legal Compliance. | |
| As Mandated by Applicable Laws and Regulators (E.G., IRDAI, RBI, BHARAT CONNECT, NPCI). |
We Implement Industry-Standard Security Measures to Protect Your Data, Including:
| Regular Vulnerability Assessments and Compliance Audits. | |
| Multi-Factor Authentication and Role-Based Access Control. | |
| Encryption of Sensitive Information (At Rest and in Transit). | |
| Secure Infrastructure for Data Hosting and Payment Processing. |
Subject to Applicable Laws, Users May Have the Following Rights:
| Right to Access Their Data. | |
| Right to Request Correction or Deletion. | |
| Right to OPT OUT of Promotional Communications. | |
| Right to Data Portability and Objection to Profiling, If Applicable. | |
| Right to Withdraw Consent (Where Processing is Based on Consent). |
Requests Can be Made by Contacting our GRIEVANCE OFFICER
By Using Our Platforms or Availing Our Services, You Consent to the Collection and Processing of Your Information in Accordance with this Privacy Policy.
We May Update this Privacy Policy Periodically to Reflect Changes in Law or Our Business Practices. The Updated Version Will be Posted on Our Website/Mobile App with the Effective Date.