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1. Introduction

ZORAVA TECHNOLOGIES (OPC) PVT LTD ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy applies to our website, mobile application, retailer panel and API services (together called the "Platform"). By using the Platform, you agree to the collection and use of your information as described in this policy, in line with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.

2. Information We Collect

Personal & KYC Information

Name, mobile number, email address and postal address
PAN, Aadhaar, GST number and shop or business details (for retailers and API users)
Photograph and KYC documents uploaded by you

Transaction Information

Recharge numbers, DTH IDs, consumer or bill numbers and amounts
Wallet load details, payment reference numbers and transaction history

Technical Information

IP address, browser type, device details and operating system
Login time, pages visited and API request logs
Location data (only if you allow it on your device)

We do not store your full debit or credit card number, CVV or UPI PIN. Payments are processed securely by RBI-authorised payment gateways and banks.

3. How We Use Your Information

To create and manage your account and verify your identity (KYC)
To process recharges, bill payments, refunds and wallet transactions
To send OTPs, transaction alerts and important service updates
To handle complaints and provide customer support
To detect and prevent fraud, misuse and unauthorised access
To improve our services, website performance and user experience
To meet legal, tax and regulatory requirements

4. Sharing of Information

We do not sell or rent your personal information to anyone. We share it only when needed with:

Telecom operators, DTH providers and BBPS billers, to complete your transaction
Banks and payment gateways, to process payments and refunds
KYC verification agencies, SMS providers and hosting partners who work for us under confidentiality
Government authorities, courts or law enforcement when required by law

5. Data Security

We use reasonable security practices to protect your data, including:

SSL encryption for all data transfer

Encrypted passwords and OTP-based login

Secure servers with restricted access

Regular monitoring for suspicious activity

No method of online transfer is 100% secure, so please never share your password or OTP with anyone, including people who say they are from ZORAVA TECHNOLOGIES (OPC) PVT LTD.

6. Cookies

We use cookies and similar technologies to keep you logged in, remember your preferences and understand how the Platform is used. You can disable cookies in your browser settings, but some features such as login may not work properly.

7. Data Retention

We keep your personal and transaction data for as long as your account is active and as required by applicable laws (such as tax, KYC and anti-money-laundering rules). After that, the data is securely deleted or anonymised.

8. Your Rights

Access the personal data we hold about you
Ask us to correct or update wrong or incomplete information
Withdraw consent or request deletion of your account (subject to legal requirements)
Opt out of promotional SMS or emails at any time
Raise a grievance about how your data is handled

To use any of these rights, email us at info@zoravatechnologies.com.

9. Children's Privacy

Our services are meant only for people aged 18 years and above. We do not knowingly collect personal data from children. If we find that such data has been collected, we will delete it immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new "Last Updated" date. Please read our Terms & Conditions and Refund Policy as well.

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Privacy Policy