Last Updated: February 05, 2026 | Effective Date: February 05, 2026
Our Commitment to Your Privacy
Welcome to ABHIEO Fintech Private Limited ("ABHIEO", "we", "us", or "our"). We are registered at 1/22, 2nd Floor, Asaf Ali Road, New Delhi, Delhi - 110002, India.
At ABHIEO, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, store, and protect your information when you use our platform, services, website, mobile applications, and any related services (collectively, the "Services").
📌 Important Notice:
By accessing, browsing, downloading, or using the ABHIEO platform, website, or mobile application, you expressly consent to the collection, use, storage, and disclosure of your personal information in accordance with this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use or access our Services.
This Privacy Policy applies to:
- ABHIEO Mobile Applications (Android and iOS)
- ABHIEO Website (www.abhieo.in)
- ABHIEO Mobile WAP Site
- All services provided through ABHIEO including mobile recharges, DTH recharges, bill payments, FASTag recharges, and any other financial services
1. Information We Collect
1.1 Personal Information You Provide
We collect information that you voluntarily provide to us when you:
- Create an Account: Name, email address, mobile number, date of birth, gender, residential address, and KYC documents (PAN card, Aadhaar card, passport, driver's license, etc.)
- Use Our Services: Transaction details, payment information, recharge history, bill payment records, service provider details, and beneficiary information
- Contact Customer Support: Support queries, feedback, complaints, and any information you share during communications
- Participate in Surveys or Promotions: Responses, testimonials, and preference information
- Financial Information: Bank account details, UPI IDs, debit/credit card information, wallet details, and transaction history
1.2 Information Collected Automatically
When you use our Services, we automatically collect certain information:
🖥️ Device Information
Device type, operating system, unique device identifiers (IMEI, device ID), mobile network information, device settings, and hardware specifications
📍 Location Information
With your permission, we collect GPS location, IP address-based location, and network-based location data to provide location-specific services and fraud prevention
📊 Usage Information
App usage patterns, features accessed, time spent on services, frequency of use, search queries, clicks, pages viewed, and interaction data
📡 Technical Information
IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system, platform, cookies, and log data
1.3 Information from Third Parties
We may receive information about you from:
- Service providers and merchants (recharge operators, billers, banks)
- Payment processors and financial institutions
- Identity verification services
- Marketing and analytics partners
- Social media platforms (if you choose to connect your accounts)
- Credit bureaus and fraud prevention agencies
⚠️ Sensitive Personal Information:
We collect sensitive personal information such as financial information, payment details, and government-issued identification numbers. This information is handled with the highest level of security and is subject to strict data protection measures as required by applicable laws including the Information Technology Act, 2000 and its rules.
2. How We Use Your Information
We use your personal information for the following purposes:
2.1 Service Delivery and Operations
- Process and complete transactions (recharges, bill payments, money transfers)
- Create and manage your ABHIEO account
- Verify your identity and perform KYC (Know Your Customer) compliance
- Provide customer support and respond to your inquiries
- Send transaction confirmations, receipts, and service notifications
- Manage and improve our Services, platform, and user experience
2.2 Security and Fraud Prevention
- Detect, prevent, and investigate fraudulent transactions and activities
- Monitor and analyze patterns to identify suspicious behavior
- Protect against unauthorized access, misuse, or security breaches
- Comply with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations
- Conduct risk assessments and security audits
2.3 Communication and Marketing
- Send promotional offers, cashback notifications, and special deals
- Provide personalized recommendations based on your preferences and usage
- Communicate service updates, feature announcements, and policy changes
- Conduct customer satisfaction surveys and collect feedback
- Send newsletters and marketing communications (with your consent)
📞 DND (Do Not Disturb) Notice:
We may contact you via phone call, SMS, email, push notifications, or in-app messages for transactional purposes, service-related communications, and promotional offers. If you are registered on the National Do Not Disturb (NDNC) registry, we will honor your preferences for promotional communications, but we may still contact you for essential service-related and transactional messages as permitted by law.
2.4 Legal and Regulatory Compliance
- Comply with applicable laws, regulations, and legal processes
- Respond to court orders, subpoenas, and government requests
- Maintain records as required by RBI, NPCI, and other regulatory authorities
- Conduct internal audits and regulatory reporting
- Enforce our Terms and Conditions and other policies
2.5 Analytics and Improvement
- Analyze user behavior and trends to improve our Services
- Develop new features, products, and services
- Conduct market research and competitive analysis
- Optimize platform performance and user interface
- Generate anonymized and aggregated statistics
3. Information Sharing and Disclosure
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. However, we may share your information in the following circumstances:
3.1 Service Providers and Business Partners
We share information with trusted third-party service providers who help us deliver our Services:
| Category |
Examples |
Purpose |
| Payment Processors |
Payment gateways, banks, card networks |
Process payments and transactions |
| Service Operators |
Mobile operators, DTH providers, utility companies |
Complete recharges and bill payments |
| Technology Providers |
Cloud hosting, data storage, SMS/email services |
Host and maintain our platform |
| KYC & Verification |
Identity verification services, credit bureaus |
Verify identity and conduct due diligence |
| Analytics & Marketing |
Analytics platforms, marketing tools |
Understand usage and improve services |
| Customer Support |
CRM systems, helpdesk solutions |
Provide customer support |
✅ Data Processing Agreements:
All third-party service providers are bound by strict confidentiality and data protection agreements. They are authorized to use your information only for the specific purposes for which it is shared and are required to maintain appropriate security measures.
3.2 Legal and Regulatory Requirements
We may disclose your information when required by law or to:
- Comply with legal obligations, court orders, and regulatory directives
- Respond to requests from government authorities, law enforcement, or regulators (RBI, NPCI, Income Tax Department, etc.)
- Protect the rights, property, or safety of ABHIEO, our users, or the public
- Enforce our Terms and Conditions and investigate violations
- Prevent fraud, money laundering, or other illegal activities
3.3 Business Transfers
In the event of a merger, acquisition, reorganization, asset sale, or bankruptcy, your personal information may be transferred to the successor entity. We will notify you via email and/or prominent notice on our platform before your information becomes subject to a different privacy policy.
3.4 With Your Consent
We may share your information with third parties for purposes not described in this Privacy Policy when we have your explicit consent to do so.
⚠️ What We Don't Do:
We will NOT sell, share, or rent your personal information to any third party for unsolicited marketing purposes. We will NOT use your email address or mobile number for unsolicited communications unrelated to our Services.
4. Data Security Measures
We take the security of your personal information seriously and have implemented comprehensive technical, organizational, and physical safeguards:
4.1 Technical Security Measures
🔐 Encryption
All sensitive data is encrypted both in transit (using SSL/TLS protocols) and at rest using industry-standard encryption algorithms (AES-256)
🔒 Secure Authentication
Multi-factor authentication (MFA), OTP verification, biometric authentication (fingerprint/face recognition), and secure password policies
🛡️ Firewall & Intrusion Detection
Advanced firewall protection, intrusion detection and prevention systems (IDS/IPS), and real-time threat monitoring
🔍 Security Monitoring
24/7 security monitoring, regular vulnerability assessments, penetration testing, and security audits by third-party cybersecurity firms
4.2 Organizational Security Measures
- Access Controls: Role-based access controls ensuring that only authorized personnel can access personal information on a need-to-know basis
- Employee Training: Regular security awareness training for all employees handling personal data
- Confidentiality Agreements: All employees and contractors sign strict confidentiality and non-disclosure agreements
- Security Policies: Comprehensive information security policies, procedures, and incident response plans
- Regular Audits: Internal and external security audits to ensure compliance with security standards
4.3 Physical Security Measures
- Secure data centers with restricted physical access
- 24/7 surveillance and monitoring
- Biometric access controls and security personnel
- Environmental controls and disaster recovery systems
4.4 Your Responsibility
⚠️ Important Security Tips:
- Never share your login credentials, OTP, UPI PIN, CVV, or any sensitive information with anyone, including ABHIEO employees
- Use strong passwords and change them regularly
- Enable biometric authentication and app lock features
- Be cautious of phishing emails, fake websites, and social engineering attempts
- Report immediately any suspicious activity or unauthorized transactions
- Keep your app updated to the latest version for security patches
- Use secure networks and avoid public Wi-Fi for financial transactions
4.5 Data Breach Notification
In the unlikely event of a data breach that compromises your personal information, we will:
- Notify affected users within 72 hours of discovering the breach
- Inform relevant regulatory authorities as required by law
- Take immediate steps to contain and remediate the breach
- Provide guidance on protective measures you can take
- Conduct a thorough investigation and implement additional safeguards
5. Data Retention and Storage
5.1 Retention Period
We retain your personal information for as long as necessary to:
- Provide our Services and maintain your account
- Comply with legal, regulatory, tax, and accounting requirements
- Resolve disputes and enforce our agreements
- Prevent fraud and maintain security
- Fulfill the purposes described in this Privacy Policy
| Data Type |
Retention Period |
Legal Basis |
| Account Information |
Duration of account + 7 years after closure |
RBI regulations, Income Tax Act |
| Transaction Records |
7 years from date of transaction |
RBI/NPCI guidelines |
| KYC Documents |
7 years after account closure |
PMLA, RBI KYC norms |
| Communication Records |
3 years from date of communication |
Customer service and legal purposes |
| Marketing Preferences |
Until you opt-out or withdraw consent |
Consent-based processing |
5.2 Data Storage Location
Your personal information is primarily stored within India in compliance with Indian data localization requirements. We use secure cloud infrastructure and data centers that meet international security standards (ISO 27001, SOC 2, etc.).
5.3 Data Deletion
When personal information is no longer needed, we securely delete or anonymize it using industry-standard methods including:
- Secure data wiping and overwriting
- Physical destruction of storage media
- Cryptographic deletion of encryption keys
- Anonymization and aggregation for statistical purposes
6. Your Rights and Choices
You have the following rights regarding your personal information:
6.1 Access and Portability
- Right to Access: You can request a copy of the personal information we hold about you
- Right to Data Portability: You can request your data in a structured, commonly used, and machine-readable format
- How to Exercise: Log in to your ABHIEO account and access your profile settings, or contact our Data Privacy Officer
6.2 Correction and Update
- Right to Correction: You can update or correct inaccurate or incomplete personal information
- How to Exercise: Update your information directly through the app/website settings or contact customer support
6.3 Deletion and Erasure
- Right to Deletion: You can request deletion of your personal information, subject to legal retention requirements
- Account Closure: You can close your ABHIEO account at any time
- Limitations: We may retain certain information as required by law or for legitimate business purposes
- How to Exercise: Contact customer support at wecare@abhieo.in or use the account deletion feature in the app
6.4 Consent Withdrawal
- Marketing Communications: You can opt-out of promotional emails, SMS, and push notifications at any time
- Location Services: You can disable location access through your device settings
- Cookies: You can manage cookie preferences through your browser settings
- Important Note: Withdrawing consent may limit your ability to use certain features of our Services
6.5 Object to Processing
- You can object to the processing of your personal information for direct marketing purposes
- You can object to automated decision-making and profiling activities
6.6 Complaint to Regulatory Authority
If you believe we have not handled your personal information appropriately, you have the right to lodge a complaint with:
- ABHIEO Data Privacy Officer (contact details below)
- Cyber Crime Cell or relevant law enforcement authorities
- Any other competent regulatory authority as applicable
📧 How to Exercise Your Rights:
To exercise any of these rights, please contact us at:
Email: wecare@abhieo.in or privacy@abhieo.in
Subject Line: Data Privacy Request - [Your Request Type]
We will respond to your request within 30 days. For complex requests, we may need additional time and will keep you informed.
7. Cookies and Tracking Technologies
7.1 What Are Cookies?
Cookies are small text files stored on your device when you visit our website or use our app. They help us recognize your device, remember your preferences, and improve your experience.
7.2 Types of Cookies We Use
| Cookie Type |
Purpose |
Duration |
| Essential Cookies |
Enable core functionality, security, and basic features |
Session |
| Performance Cookies |
Analyze how users interact with our Services |
Up to 2 years |
| Functional Cookies |
Remember your preferences and personalize content |
Up to 1 year |
| Advertising Cookies |
Deliver relevant advertisements and track effectiveness |
Up to 1 year |
7.3 Other Tracking Technologies
- Web Beacons/Pixels: Small graphics to track page views and email opens
- SDKs (Software Development Kits): Third-party tools for analytics and advertising
- Local Storage: Store data locally on your device for faster access
- Device Fingerprinting: Identify devices for security and fraud prevention
7.4 Managing Cookies
You can control cookies through:
- Browser settings - disable or delete cookies
- Our cookie preference center (on website)
- App settings for mobile applications
- Device settings for tracking permissions
⚠️ Note:
Disabling certain cookies may affect the functionality of our Services and your user experience.
8. Third-Party Services and Links
8.1 Third-Party Services
Our platform may integrate with or link to third-party services, websites, and applications including:
- Payment processors and banks
- Mobile operators and service providers
- Social media platforms
- Analytics and advertising partners
- Customer support tools
8.2 Third-Party Privacy Policies
These third-party services have their own privacy policies and terms of service. We do not control and are not responsible for their privacy practices. We encourage you to review their privacy policies before providing any information to them.
📌 Our Disclaimer:
ABHIEO is not responsible for the privacy practices, content, or security of any third-party websites, applications, or services. Any information you provide to third parties is governed solely by their privacy policies.
8.3 Social Media Integration
If you choose to connect your social media accounts (Facebook, Google, etc.) with ABHIEO, we may collect information from those platforms in accordance with your privacy settings on those platforms.
9. Children's Privacy
ABHIEO Services are not intended for individuals under the age of 18. We do not knowingly collect, solicit, or maintain personal information from anyone under the age of 18.
⚠️ Age Requirement:
By using our Services, you represent and warrant that you are at least 18 years of age. If you are under 18, please do not use our Services or provide any personal information to us.
If we become aware that we have collected personal information from a child under 18 without parental consent, we will take immediate steps to delete that information from our systems.
If you believe we have collected information from a child under 18, please contact us immediately at wecare@abhieo.in.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:
- Update the "Last Updated" date at the top of this Privacy Policy
- Post the updated Privacy Policy on our website and mobile application
- Notify you of significant changes via email, SMS, push notification, or prominent notice in the app
- For material changes, we may seek your explicit consent
📢 Your Responsibility:
We recommend that you review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our Services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy.
Archive of Previous Versions: Previous versions of this Privacy Policy are available upon request.
11. Regulatory Compliance
ABHIEO is committed to complying with all applicable data protection and privacy laws and regulations including:
11.1 Indian Laws and Regulations
- Information Technology Act, 2000 and rules thereunder
- Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
- Reserve Bank of India (RBI) regulations and guidelines
- Prevention of Money Laundering Act (PMLA), 2002
- Telecom Regulatory Authority of India (TRAI) regulations
- National Payments Corporation of India (NPCI) guidelines
- Any other applicable Indian laws related to data protection and privacy
11.2 Industry Standards
We adhere to industry best practices and standards including:
- ISO 27001 (Information Security Management)
- PCI-DSS (Payment Card Industry Data Security Standard)
- RBI's Master Direction on Digital Payment Security Controls
- CERT-In (Indian Computer Emergency Response Team) guidelines
11.3 KYC and AML Compliance
We comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations including:
- Customer identification and verification
- Transaction monitoring and suspicious activity reporting
- Record-keeping as per regulatory requirements
- Customer due diligence and enhanced due diligence procedures