UNOTAG MULTI SOLUTION PRIVATE LIMITED (referred to as "Company", "we", "our", or "us"), having its registered office at R/o Ram Nr/9/2, Bareilly, Uttar Pradesh - 243001, India, operates the UNO PAY mobile application and website (https://unotag.biz/). This Privacy Policy outlines how we collect, use, store, process, and protect your personal information when you use our platform.

1. Information We Collect

When you access UNO PAY or use our services, we may collect the following categories of information:

• Personal Identity Information: Full name, mobile number, email address, date of birth, residential address, and profile photo.
• KYC & Verification Details: PAN card number, identity proof documents, and bank account details required for regulatory compliance and transaction authorization.
• Transaction Records: History of mobile/DTH recharges, utility bill payments, wallet additions, transaction IDs, timestamps, and payment statuses.
• Technical & Device Information: Device model, operating system version, unique device identifier (IMEI/UUID), IP address, network carrier, and app usage logs for session authentication and anti-fraud verification.

2. How We Use Your Information

We use your information strictly for legitimate business and regulatory purposes, including:

• Creating and managing your UNO PAY user account and authenticating TPIN transactions.
• Executing recharges, BBPS utility bill settlements, and travel bookings with authorized service operators.
• Verifying user KYC to comply with Reserve Bank of India (RBI) guidelines and Prevention of Money Laundering Act (PMLA) regulations.
• Detecting, preventing, and mitigating fraudulent transactions, security breaches, and unauthorized account access.
• Providing customer assistance, responding to support tickets, and notifying you about transaction updates.

3. Data Protection and Security

We implement industry-standard administrative, technical, and physical safeguards to protect your personal data against unauthorized access, loss, destruction, or alteration. All communication between your device and our servers is encrypted using Secure Sockets Layer (SSL/TLS 1.2+). TPINs and passwords are cryptographically hashed and never stored in plain text.

4. Third-Party Disclosures & Service Providers

We do not sell, rent, or trade your personal data. We only share necessary data with trusted third parties under strict non-disclosure terms, including:

• Licensed Payment Aggregators & Gateway Partners to process payments.
• Bharat Bill Payment System (BBPS) central units and billers to settle utility invoices.
• Telecom and DTH operators to complete subscriber recharge requests.
• Law enforcement authorities or regulatory bodies when required by applicable Indian laws or valid court orders.

5. User Rights & Account Deletion

As a user, you have the right to view, update, or correct your personal profile information at any time within the UNO PAY mobile application.

You also have the right to request the permanent deletion of your account and associated personal data. To initiate an account deletion request, you may submit a ticket in the app or email our data protection team directly at [email protected] with your registered mobile number. Requests are processed within 15 business days following statutory audit retention periods required by Indian financial laws.

6. Children's Privacy

Our services are intended strictly for individuals aged 18 years and older who can legally enter into binding contracts under the Indian Contract Act. We do not knowingly collect personal data from minors.

7. Changes to This Privacy Policy

We may periodically update this Privacy Policy to reflect enhancements in our services or changes in regulatory requirements. Updated policies will be posted on this page with the revised effective date.

8. Grievance Redressal Officer

In accordance with the Information Technology Act, 2000 and rules made thereunder, the contact details of our Grievance Officer are provided below: