Privacy Policy

Nupay Business Solutions is a private limited company registered under the Companies Act 2013 hereinafter referred to as “Nupay™”. At Nupay, we value your trust & respect your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored & used by us. You are advised to read this Privacy Policy carefully. By visiting Nupay's website/ Google™ Play Store page you expressly give us consent to use & disclose your personal information in accordance with this Privacy Policy. This Privacy Policy shall apply uniformly to Nupay mobile app and website and may change at any time without prior notification.

A. Sharing your information
We will not sell, share or rent your personal information to any third party or use your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by Nupay will only be in connection with the provision of agreed services & products and this Privacy Policy. However Nupay may reveal general statistical information about Nupay & its users, such as number of visitors, number and type of goods and services purchased, etc to outside parties while ensuring that we do not reveal any personally identifiable information such as name, address, age, gender, location etc unless such disclosure is requested by an authenticated third party based on a legally compliant request/court order. We do not endorse third party advertisements. We may use 3rd party tools for analytics but such data is safeguarded by the agreements between Nupay Business Solutions Pvt Ltd and the respective solution provider.

B. Storing your information
Nupay only stores the data it needs to function the way you want it to.
  1. Profile Information:
    Nupay is a multi-bank payment service. We store all the transaction related information including amounts, remarks, location tags, pictures so that you can access your data even after changing your device.

  2. MPIN:
    The MPIN that you use on Nupay is the one provided by your bank to authenticate transactions through mobile. We do not read/store your MPIN on our servers. While you type the MPIN it is encrypted using the public key provided to us by your trusted bank. This means that it can be decrypted only using the private key of the bank which of course is in their safe custody. Since the encryption is done on the device, the MPIN is already encrypted and unreadable to us when it reaches our servers.

  3. MMID:
    The MMID is a 7-digit number issued by the bank to all customers who have enabled Mobile Banking. MMID is not necessarily unique and is always used as a pair along with the registered mobile number. We store MMID of our registered users on the cloud to ensure transactions happen to the correct beneficiary account and thus takes away the hassle of entering account information from the sender side completely.

  4. VPA:
    The VPA (virtual payment address) is entered in the AXIS Bank page and Nupay does not have any access to the AXIS Bank page.

  5. Contacts:
    Nupay uses mobile numbers to identify each user. We store your contacts (only the mobile numbers) in the cloud in order to notify you as soon as one of your contacts registers on Nupay. We only need the mobile number for this to work and store no other data about your contacts. Other details like First name and Last name are used for communication purpose within the mobile app

  6. E-mails:
    We store your email ID so that in future we can mail you OTP and other communication and a backup of your Nupay data upon receiving a request from you. This may also be used to send you transaction alerts and other important notifications from us. Verified email ID greatly enhances safety by letting us notify you in case we see any suspicious transaction.
C. Links to Other Apps
Our app may provide you with links to apps of our partners that may collect personally identifiable information about you. Such partners are themselves responsible for their privacy practices or the content displayed shared with or about you. Nupay is not responsible for the same.

D. Security
Nupay has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

E. Consent
By using Nupay and/or by providing your information, you consent to the collection and use of the information you disclose on Nupay in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.