Privacy Policy

We built IC Pay Digital to make everyday recharges and bill payments fast and reliable. Handling payments means we also handle sensitive information, and we take that responsibility seriously. This policy applies to all users of the App across mobile recharge, DTH, FASTag, and other recharge services offered within the App.

We collect the following categories of information to provide and improve our services:

We use the information we collect to:

• Process mobile recharges, DTH payments, FASTag top-ups, and other bill payments you initiate.
• Verify your identity and secure your account against unauthorised access.
• Send transaction confirmations, receipts, and service-related alerts.
• Provide customer support and resolve payment or account issues.
• Detect, investigate, and prevent fraud, abuse, or technical issues.
• Improve app performance, features, and the overall user experience.
• Comply with applicable legal, tax, and regulatory obligations in India.

All payments made within IC Pay Digital are processed through licensed, PCI-DSS compliant payment gateway partners. We use industry-standard encryption (TLS/SSL) to protect data in transit, and sensitive financial data is never stored in plain text on our servers.

• We do not store your card CVV or UPI PIN at any point.
• Access to internal systems handling payment data is restricted and logged.
• Two-factor or OTP-based verification is used to authorise sensitive actions.

We do not sell your personal information. We only share data with:

• Recharge & billing partners — telecom operators, DTH providers, and FASTag issuers, strictly to complete the transaction you requested.
• Payment gateway providers — to securely process your payment.
• Service providers — cloud hosting, analytics, and customer support tools that help us operate the App, bound by confidentiality obligations.
• Regulators & law enforcement — where required under Indian law, court order, or to protect the rights and safety of users.

IC Pay Digital requests only the Android permissions needed to deliver core features — for example, camera access to scan a FASTag/bill barcode, or contacts access to let you pick a number to recharge. The App does not access permissions unrelated to its recharge and payment features, and each permission is requested at the point of use, not on first install.

We retain account and transaction data for as long as your account is active, and for a further period thereafter as required to meet tax, accounting, dispute-resolution, and regulatory obligations under Indian law. You may request deletion of your account, subject to these statutory retention requirements.

You can, at any time:

• Access, review, or update your profile information from within the App.
• Request a copy of your transaction history.
• Withdraw optional permissions (contacts, camera, notifications) via device settings.
• Request deletion of your account by contacting our support team below.
• Opt out of promotional notifications while continuing to receive transactional alerts.

IC Pay Digital is intended for users aged 18 and above who can enter into a binding payment transaction. We do not knowingly collect personal information from children. If we learn that a minor has provided us with personal data, we will take steps to delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Material changes will be notified within the App or via email. The "Effective date" at the top of this page indicates when it was last revised.