At E-Kendra ("we", "our", "us"), we are committed to protecting the privacy and security of our users ("you", "your"). This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your data. By using our platform, you consent to the practices described in this policy.
1 Introduction
This Privacy Policy applies to all services offered by E-Kendra through our website and mobile application, including digital recharge, BBPS bill payments, PAN services, AEPS, wallet top-ups, and API integrations. This policy does not apply to third-party websites or services that we do not control.
2 Information We Collect
We may collect the following categories of information:
- Personal Information: Name, mobile number, email address, date of birth, gender, and address submitted during registration or KYC.
- KYC & Business Documents: Aadhaar, PAN, GST, business registration proof, and bank account details for compliance and payouts.
- Transaction Information: Details of recharges, bill payments, fund transfers, wallet usage, and commission history.
- Device & Usage Data: IP address, browser type, device identifier, operating system, referring URLs, and pages visited.
- Communications: Correspondence with our support team, chats, and call recordings for quality and dispute resolution.
3 How We Use Your Information
Your information is used to:
- Create and manage your account, verify identity, and complete KYC.
- Process transactions such as recharges, bill payments, PAN applications, and API requests.
- Calculate and credit commissions to your wallet as per your plan.
- Provide customer support, resolve disputes, and respond to inquiries.
- Send you transactional alerts, service updates, and (with your consent) promotional offers.
- Detect and prevent fraud, money laundering, and unauthorized activity.
- Comply with legal and regulatory obligations under applicable Indian law.
5 Data Security
We implement industry-standard safeguards — including encryption in transit, secure storage, access controls, and regular audits — to protect your information from unauthorized access, alteration, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7 Your Rights
Subject to applicable law, you have the right to:
- Access the personal information we hold about you.
- Request correction or updating of inaccurate information.
- Request deletion of your data (subject to retention obligations).
- Withdraw consent for marketing communications at any time.
- Lodge a complaint with our support team or the relevant authority.
To exercise these rights, contact us using the details in the Contact Us section below.
8 Data Retention
We retain personal information only as long as necessary to fulfil the purposes described in this policy or as required by law. Transaction records and KYC documents are typically retained for the period mandated by the Reserve Bank of India (RBI) and other regulators — usually at least 8 years from the date of the transaction.
9 Third-Party Links
Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before sharing any information.
10 Children's Privacy
Our services are intended for individuals aged 18 years or older. We do not knowingly collect personal information from minors. If we learn that a minor has provided us with personal data, we will take steps to delete it promptly.
11 Policy Changes
We may update this Privacy Policy from time to time to reflect changes in our practices, laws, or services. The updated policy will be posted on this page with a revised "Last updated" date. We encourage you to review this page periodically.
12 Contact Us
If you have questions or concerns about this Privacy Policy, or wish to exercise your data rights, please contact us:
Shilbari Hat, Alipurduar, West Bengal - 736204
support@e-kendra.co.in
9832845010