Privacy Policy

1 Information We Collect

Depending on the services you use, we may collect the following information:

Personal Information

• Full name
• Mobile number
• Email address
• Date of birth, where required
• Residential or business address

Business Information

• Business name
• Business address
• PAN or GST details, where required
• Details related to your selected B2B account or business role

Verification Information

For services that require verification, we may collect information or documents necessary to process the requested service.

This may include identity or address information and other documents submitted by the user for the specific service.

Transaction Information

We may collect and maintain information related to transactions performed through our platform, including:

• Recharge transactions
• Bill payment transactions
• Verification requests
• Wallet transactions
• Transaction IDs and reference numbers
• Transaction date, amount, and status

Technical Information

When you access our website or platform, certain technical information may be automatically collected, such as:

• IP address
• Browser type
• Device information
• Operating system
• Login activity
• Basic website or platform usage information

Communication Information

If you contact us through email, WhatsApp, support forms, or other available communication channels, we may retain relevant information from those communications for customer support and record-keeping purposes.

2 How We Collect Information

We may collect information:

• Directly from you during registration or account creation.
• When you submit information while using our services.
• When you submit a service or verification request.
• When you contact our support team.
• Automatically through website logs, cookies, and similar technologies.
• From service providers where such information is necessary to provide a requested service.

3 How We Use Your Information

We may use the information we collect to:

• Create and manage your account.
• Provide and process the services you request.
• Process recharge and bill payment transactions.
• Process verification requests.
• Maintain transaction and account records.
• Verify information submitted by users where required for a service.
• Provide customer support.
• Send important account, transaction, and service-related notifications.
• Detect unauthorized access, misuse, or suspicious activity.
• Maintain the security and proper functioning of our website and platform.
• Improve our services and platform.
• Comply with applicable legal requirements where necessary.

We do not use personal information for purposes unrelated to our services unless permitted by applicable law or with appropriate user consent where required.

4 Sharing of Information

We do not sell or rent users' personal information.

Information may be shared when necessary to provide a requested service or operate our platform.

Depending on the service, information may be shared with:

• Service providers and technical partners involved in processing the requested service.
• Payment or transaction service providers where required to process a transaction.
• Verification service providers where required for a verification request.
• Distributors or other authorized B2B network members where necessary for account management, transaction processing, commission, or reporting.
• Legal or authorized authorities where disclosure is required by applicable law or a valid legal request.

5 Protection of Your Information

We take reasonable technical and organizational measures to protect user information against unauthorized access, misuse, loss, or disclosure.

Access to user information may be restricted to authorized persons who need the information for operating the platform, providing services, or handling support.

However, no method of transmitting or storing information online can be guaranteed to be completely secure. Therefore, while we take reasonable precautions, we cannot guarantee absolute security of information transmitted over the internet.

6 Passwords and Account Security

Users are responsible for keeping their login credentials, passwords, OTPs, API credentials, and other account information confidential.

Users should not share their login credentials with any unauthorized person.

If you believe that your account has been accessed without authorization, you should contact E-Kendra promptly.

We will not normally ask users to disclose their account password or OTP through unofficial communication channels.

7 Cookies

Our website may use cookies and similar technologies to improve website functionality, maintain login sessions, remember preferences, improve performance, and understand basic website usage.

Users may control or disable cookies through their browser settings. Some features of the website may not function properly if certain cookies are disabled.

8 Google reCAPTCHA

To protect our website and online forms from spam, automated activity, and misuse, we may use Google reCAPTCHA.

When you use a form protected by reCAPTCHA, Google may process certain technical information and information about your interaction with the reCAPTCHA service for security and abuse-prevention purposes.

The processing of such information is subject to Google's applicable privacy policy and terms. E-Kendra does not control the information collected directly by Google through its reCAPTCHA service.

9 Data Retention

We may retain user information for as long as reasonably necessary to:

• Provide our services.
• Maintain account and transaction records.
• Handle customer support requests.
• Resolve disputes.
• Prevent fraud or misuse.
• Meet applicable legal, accounting, or record-keeping requirements.

When information is no longer reasonably required for these purposes, it may be deleted, anonymized, or securely disposed of, subject to applicable requirements.

10 User Requests Regarding Personal Information

Subject to applicable law and reasonable verification of identity, users may contact us to request:

• Access to personal information held by us.
• Correction of inaccurate information.
• Information regarding the use of their personal information.
• Deletion of information where deletion is permitted and the information is no longer required for a legitimate purpose.

Some information may need to be retained where required for transaction records, dispute resolution, security, legal obligations, or other legitimate purposes.

11 Third-Party Websites and Services

Our website or platform may contain links to third-party websites or services.

These third-party websites operate under their own terms and privacy policies. E-Kendra is not responsible for the privacy practices, content, or security practices of third-party websites.

Users should review the applicable privacy policy before providing personal information to a third-party website or service.

12 Marketing and Communications

We may contact users regarding their account, transactions, services, support requests, important updates, or changes to our platform.

Where applicable, we may also send information about new services, offers, or other business communications.

Users may contact us if they do not wish to receive promotional communications. Service-related and important account communications may still be sent where necessary.

13 Children's Privacy

Our B2B platform and services are intended for business users.

We do not knowingly collect personal information from children for the purpose of creating B2B accounts.

If we become aware that personal information has been submitted by a child without appropriate authorization, we will take reasonable steps to address the situation.

14 Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, platform, business practices, or applicable requirements.

The updated Privacy Policy will be published on this page with a revised Last Updated date.

Users are encouraged to review this page periodically.

15 Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact:

16 Acceptance of This Policy

If you do not agree with this Privacy Policy, please do not use our website or services.