Privacy Policy

Last Updated: July 2026

1. Introduction

PayYes Fintech Private Limited ("PayYes", "we", "us" or "our") is committed to protecting the privacy of its customers and platform users. This Privacy Policy describes the types of information we collect, how we use it, the circumstances in which we may share it, and the measures we take to help protect it.

By using our BBPS bill payment services, you consent to the collection, use and processing of your information as described in this policy.

2. Information We Collect

We collect information that is necessary to provide our services, respond to your queries, comply with applicable legal and regulatory requirements, and help maintain the security of our platform.

2.1 Personal Information

This may include your name, mobile number, email address and other identifiers you provide while registering or using our services.

2.2 Contact Information

This includes your registered email address, phone number and any address details you provide for communication or service purposes.

2.3 Transaction-Related Information

This includes biller details, consumer reference numbers, transaction amounts, payment status, transaction identifiers and related records necessary to process and track bill payments.

2.4 Device and Technical Information

This may include IP address, browser type, device identifiers, operating system, access times and usage data collected through cookies and similar technologies.

3. Cookies

We may use cookies and similar technologies to improve your browsing experience, remember preferences and understand how the platform is used. You may configure your browser to refuse cookies, but some features may not function as intended.

4. Purpose of Data Collection

We use the collected information for the following purposes:

• Service delivery: To process bill payments and provide related services.
• Customer support: To respond to your queries, complaints and support requests.
• Fraud prevention: To monitor, detect and help prevent fraudulent or suspicious activity.
• Security monitoring: To help maintain the security and integrity of our platform.
• Legal and regulatory compliance: To meet applicable legal, regulatory and contractual obligations.

5. Information Sharing

We do not sell your personal information. We may share your information with service providers, billers, payment gateways, banking partners and other third parties where necessary to process transactions, provide support or comply with applicable legal or regulatory requirements.

5.1 Third-Party Service Providers

We work with third-party service providers who assist in delivering our services, such as payment processors and biller integrations. These providers are expected to handle your information in accordance with applicable laws and their contractual obligations.

6. Data Security

We follow secure development and operational practices to help protect your information. Transactions are processed through secure channels, and we apply monitoring and fraud-prevention measures. However, no system can be considered completely secure, and we cannot guarantee absolute security of your information.

7. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal or regulatory requirements, resolve disputes and enforce our agreements. After such period, information may be deleted or anonymised in accordance with applicable law.

8. User Rights

Depending on applicable law, you may have rights to access, correct or request deletion of your personal information. To exercise these rights, please contact us using the details provided in this policy.

9. Cookies Policy

As noted above, we use cookies for functionality and analytics. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain features of the platform.

10. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices or content of such websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us so we can take appropriate action.

12. Policy Updates

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

13. Contact Information

If you have any questions about this Privacy Policy, please contact us:

• Email: support@example.com
• Phone: +91 98765 43210
• Address: Company Registered Office Address, City, State, India - PIN Code

14. Grievance Contact Details

For privacy-related grievances, please contact our Grievance Officer:

• Name: Grievance Officer Name
• Designation: Grievance Officer
• Email: grievance@example.com
• Phone: +91 98765 43210