Privacy Policy - Aa Bazaar Pay

Effective Date: October 1, 2026 | App Name: Aa Bazaar Pay

1. Introduction

Welcome to Aa Bazaar Pay ("we", "our", or "us"). We are committed to protecting your privacy and ensuring your personal information is handled safely and responsibly. This Privacy Policy outlines how our mobile application and related web services collect, use, store, and safeguard your data.

2. Information We Collect

To provide high-quality mobile recharge, utility bill payment (BBPS), FASTag recharge, and digital wallet services, we collect the following types of information:

Personal Identification: Name, mobile phone number, and email address provided during registration and profile management.
Transaction Records: History of mobile recharges, DTH top-ups, electricity/water/gas bill payments, transaction IDs, amounts, and dates.
Device Information: Device model, operating system version, unique device identifiers, and network information to detect and prevent fraud.
SMS / OTP Data: One-time passwords (OTP) received solely for the purpose of secure account authentication and login verification.

🔒 Zero Financial Credential Storage: We do NOT store your bank account passwords, debit/credit card CVV, or UPI PINs. All financial payments are processed through RBI-authorized payment gateways.

3. How We Use Your Information

We use the collected information for legitimate business and transactional purposes, including:

Processing prepaid recharges, bill payments, and FASTag transactions via authorized operator gateways.
Authenticating user login sessions through secure SMS OTP verification.
Maintaining digital wallet balance, transaction ledger, and payment receipts.
Sending essential transactional updates, payment confirmations, and customer support communications.
Detecting fraudulent activities and enforcing terms of service.

4. Third-Party Services & Payment Processors

To deliver seamless fintech services, we integrate with trusted, RBI-regulated partners:

Razorpay: Encrypted payment gateway handling UPI, net banking, and card payments.
Bharat Bill Payment System (BBPS): Integrated via authorized BBPS operating units for dynamic bill fetch and settlement.
SMS Gateway (Muzztech): DLT-compliant enterprise SMS service used solely for delivering login OTPs.

5. Data Security

We employ industry-standard SSL/TLS 256-bit encryption for all communications between the Aa Bazaar Pay mobile app and our backend servers. Access to sensitive data is restricted to authorized personnel under strict confidentiality protocols.

6. Account & Data Deletion Rights

You have the absolute right to request the deletion of your account and associated personal data at any time. Under Indian financial regulations, basic transactional ledgers are retained for audit and legal compliance, while your personal profile, credentials, and app access are permanently removed upon request.

To request account or data deletion, visit our dedicated portal:

Request Account Deletion Data Safety & Deletion Policy

7. Contact Us

If you have any questions, concerns, or grievances regarding this Privacy Policy or our data practices, please reach out to our Data Protection Officer:

Entity: Aa Bazaar Pay
Email: support@aabazaar.in / hello@aabazaar.in
Website: https://backend.aabazaar.in