Privacy Policy

1. Overview

KarvenPay ("we", "us", "our") is committed to protecting the privacy of everyone who uses our recharge and bill payment services. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

2. Information we collect

To process your recharges and bill payments, we may collect:

• Contact details: name, phone number, and email address.
• Transaction details: mobile number, DTH ID, FASTAG vehicle/account number, credit card reference, education institution and fee details, electricity/water consumer number, and GST/challan details relevant to the payment you request.
• Payment information: details required to process your payment through our payment partners. We do not store full card or bank credentials on our own systems.
• Communication records: messages, calls, or emails you send us for support or queries.
• Technical data: if you use our website, we may collect basic browser and device information to keep the site secure and functioning.

3. How we use your information

• Process and complete your recharge or bill payment requests
• Send you transaction confirmations and receipts
• Respond to your questions, complaints, and support requests
• Detect and prevent fraud or misuse of our Services
• Comply with applicable legal and regulatory requirements

4. Sharing with third parties

To complete your transactions, we share the minimum necessary information with:

• Telecom operators, DTH providers, and FASTAG issuers, to process recharges
• Banks and card networks, to process credit card bill payments
• Schools, colleges, and educational institutions, to process fee payments
• Electricity boards, water boards, and municipal authorities, to process utility bill payments
• Government portals, to process GST payments
• Payment gateway and banking partners, to securely process the payment itself

We do not sell your personal information to third parties for marketing purposes.

5. Data storage & security

We use reasonable technical and organisational measures to protect your information from unauthorised access, alteration, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data retention

We retain transaction records for as long as necessary to comply with legal, tax, and regulatory obligations, resolve disputes, and enforce our agreements, after which the data is securely deleted or anonymised.

7. Your rights & choices

You may contact us to request access to, correction of, or deletion of your personal information, subject to our legal and record-keeping obligations. You may also opt out of any non-essential communications from us at any time by contacting us directly.

8. Cookies

Our website may use basic cookies or similar technologies to remember your preferences and keep the site functioning properly. You can control cookies through your browser settings.

9. Children's privacy

Our Services are intended for use by individuals aged 18 and above. We do not knowingly collect personal information from children.

10. Changes to this policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last updated" date.

11. Contact us

KarvenPay
Shop No-2, Dattatreya Nagar Colony, Nagaram,
Dammaiguda Main Road, Dammaiguda,
Hyderabad, Telangana – 500083
Email: info@karvenpay.com
Phone: +91 77949 17679