Welcome to www.nirapay.in. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website www.nirapay.in or use any of our mobile recharge services across India. By using our website or services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information from our users to ensure smooth operation of our services:

- Personal Information: Your full name, email address, mobile number, billing details, and any other information you provide while registering or making a transaction.

- Payment Information: Details related to payment methods, such as debit/credit card numbers, UPI ID, and transaction history. We do not store sensitive payment details; these are securely processed by our payment gateway partners.

- Device & Technical Information: We may automatically collect data about your device, browser, IP address, operating system, and usage behavior through cookies and analytics tools.

2. How We Use Your Information

We use the collected information for the following purposes:

- To process and complete your mobile recharge transactions securely.

- To send transactional notifications, confirmations, and recharge status updates.

- To improve our website functionality, performance, and user experience.

- To prevent fraud, unauthorized transactions, and misuse of our platform.

- To respond to customer support queries or feedback via contact@nirapay.in and support@nirapay.in.

- To comply with applicable Indian laws, regulations, and lawful requests from authorities.

3. Data Protection and Security

We take your privacy seriously. All personal and payment information is transmitted through secure SSL encryption. We regularly update our systems and follow industry-standard security practices to prevent unauthorized access, alteration, or disclosure of your data.

While we implement the best possible measures, please note that no online platform can guarantee absolute security.

4. Sharing of Information

We do not sell, rent, or trade your personal information with any third parties. However, we may share limited information in the following situations:

- With our trusted payment gateway providers for secure transaction processing.

- With telecom operators and service partners necessary for fulfilling your recharge requests.

- When required by law, court orders, or government authorities.

- To prevent, detect, or investigate fraud or potential security breaches.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance user experience and analyze website traffic. Cookies help us remember your preferences and provide a faster browsing experience. You can manage or disable cookies through your browser settings, though this may affect site functionality.

6. Your Rights

You have the right to:

- Access and review the personal information we hold about you.

- Request correction or deletion of your data, subject to legal or transactional requirements.

- Withdraw consent for marketing communications at any time.

- Contact us at support@nirapay.in for any privacy-related concerns or requests.

7. Third-Party Links

Our website may contain links to external websites or third-party services. We are not responsible for the content, privacy practices, or policies of such websites. We encourage you to review their privacy policies before sharing any personal information.

8. Children’s Privacy

We do not knowingly collect personal data from minors. If you believe a child has provided us personal information, please contact us immediately at contact@nirapay.in, and we will take appropriate action.

9. Data Retention

We retain your personal and transactional data for as long as necessary to provide our services, comply with legal obligations, resolve disputes, or enforce our agreements. Once data is no longer required, it is securely deleted or anonymized.

10. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with the revised effective date. Continued use of our website after changes indicates your acceptance of the updated policy.

11. Contact Information

If you have any questions, suggestions, or concerns about this Privacy Policy, please reach out to us:

Email: contact@nirapay.in

Support: support@nirapay.in

Website: www.nirapay.in

Effective Date: October 23, 2025

Thank you for trusting www.nirapay.in — India’s fastest growing mobile recharge service provider committed to transparency, security, and customer satisfaction.