Privacy policy
What we collect for bill payments, why, who we share it with, and how you control it. Written under the Digital Personal Data Protection Act, 2023.
What we collect
| Data | Why |
|---|---|
| Mobile number | To sign you in, send payment updates and, if you asked, tell you when bill payments open. |
| Biller and customer number (consumer number, last four card digits, vehicle number) | To fetch and pay the right bill. |
| Bill details (amount, due date, status) | To show your bills, remind you before the due date and keep your payment history. |
| Payment reference numbers | To track payments and handle complaints. |
| Device and usage data | To keep the service secure and fix problems. |
What we do not collect
We do not store your full card number, CVV, UPI PIN or net banking password. These are entered on our authorised payment partner's secure page and stay with them.
Who we share it with
- Our Bharat Connect operating unit and payment partner, to process your payment.
- NPCI Bharat BillPay Limited and the biller, to fetch and confirm your bill.
- Regulators and law enforcement, when the law requires it.
We do not sell your data.
Using bill data for anything else
Bharat Connect rules do not let us use bill payment data for other purposes without your explicit consent. If we ever offer something based on your bills (for example a better card for your spends), we will ask first, and you can switch it off at any time in settings.
Where it is stored and for how long
Data is stored on servers in India. Payment records are kept for as long as the law and Bharat Connect rules require. Other data is deleted when you delete your account, unless a law requires us to keep it.
Your rights
- See what data we hold about you, and correct it.
- Withdraw consent and ask us to delete your data.
- Name someone to act for you if you cannot.
- Complain to our grievance officer, and then to the Data Protection Board of India.
Contact
Privacy questions: privacy@qubera.club. Grievance officer: Abhay Arya, abhay@qubera.club.