Privacy Policy

Company Name: PulsePe
PulsePe ("PulsePe", "we", "us", or "our") respects your privacy and is committed to protecting the personal and transaction-related information of customers who use our website, mobile application, digital platforms, and BBPS (Bharat Bill Payment System) services.
This Privacy Policy explains how we collect, use, store, process, share, and protect information when you use our BBPS bill payment and related services.
By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the practices described below.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through:
Our website and web applications;
Mobile applications and digital platforms;
BBPS bill payment services;
Customer support channels;
Payment and transaction interfaces;
Other digital services operated by PulsePe.
This policy applies to customers, users, agents, merchants, and other individuals who interact with our services, to the extent applicable.

2. Information We Collect

Depending on the services you use, we may collect the following information.

2.1 Personal Information

We may collect:
Full name;
Mobile number;
Email address;
Address and location information where required;
Date of birth or other identification information where required for a particular service;
Customer or user account information;
Information provided when contacting customer support.

2.2 Bill Payment Information

For BBPS services, we may collect and process information required to identify and process your bill payment, including:
Biller name;
Biller category;
Customer ID / Consumer Number;
Account number or service number;
Registered mobile number;
Bill amount;
Due date;
Transaction details;
BBPS transaction/reference number;
Payment status;
Receipt and transaction history.
We only collect information reasonably required to provide and support the requested service.

2.3 Payment Information

When you make a payment, payment information may be processed by our authorised payment service providers, banks, payment aggregators, BBPS participants, or other authorised service providers.
Depending on the payment method, this may include:
Payment transaction ID;
UPI transaction/reference details;
Card-related transaction information;
Bank/payment confirmation information;
Payment status;
Other information necessary for transaction reconciliation.
Where payment processing is performed by a third-party payment provider, we may not directly store complete card, banking, or other sensitive payment credentials.

3. How We Use Your Information

We may use the information collected to:
Provide BBPS bill payment services;
Fetch and display bill details;
Process and confirm payments;
Generate transaction receipts;
Provide transaction status and history;
Process refunds, reversals, and failed transactions;
Resolve customer disputes and complaints;
Provide customer support;
Verify transactions and prevent fraud;
Detect suspicious or unauthorised activity;
Maintain transaction records and audit trails;
Comply with applicable laws, regulations, and regulatory requirements;
Meet requirements of BBPS, payment partners, banks, payment aggregators, and other authorised participants;
Improve the security, reliability, and performance of our services;
Communicate important service-related information to customers.
We may also use information for internal analytics, reporting, service improvement, and operational purposes, subject to applicable law.

4. BBPS and Third-Party Service Providers

BBPS transactions may involve multiple participants, including billers, banks, payment service providers, payment aggregators, BBPS operating units, technology service providers, and other authorised entities.
Your information may therefore be shared or processed by such entities where necessary to:
Fetch bill information;
Initiate and process payments;
Confirm transactions;
Complete settlement and reconciliation;
Process reversals or refunds;
Investigate failed or disputed transactions;
Prevent fraud;
Comply with applicable regulatory requirements.
Such processing will be carried out only to the extent reasonably necessary for the relevant service or legal/regulatory requirement.

5. Information Sharing

We do not sell or rent your personal information to third parties for their independent marketing purposes.
We may share information with:
BBPS participants and authorised BBPS service providers;
Billers and biller aggregators;
Banks and payment service providers;
Payment aggregators and payment gateways;
Technology and infrastructure service providers;
Customer support and service providers;
Fraud prevention and security service providers;
Government, law enforcement, regulators, courts, or other authorities where legally required;
Professional advisers, auditors, or legal advisers where reasonably necessary.
We require service providers handling information on our behalf to maintain appropriate confidentiality and security safeguards, subject to applicable contractual and legal requirements.

6. Payment Security

We take reasonable technical and organisational measures to protect customer and transaction information from unauthorised access, alteration, disclosure, misuse, loss, or destruction.
Depending on the service and applicable requirements, security measures may include:
Encryption of information during transmission;
Access controls;
Authentication and authorisation controls;
Transaction monitoring;
Fraud detection mechanisms;
Security logging and monitoring;
Vulnerability management;
Backup and recovery procedures;
Restricted access to customer information.
Customers should never share their OTP, UPI PIN, card PIN, CVV, password, or other authentication credentials with any person claiming to represent PulsePe.
PulsePe will not ask customers to disclose their confidential payment credentials for the purpose of completing a normal bill payment.

7. Data Retention

We retain personal and transaction information for as long as reasonably necessary to:
Provide the requested services;
Maintain transaction and accounting records;
Resolve disputes and complaints;
Prevent fraud and misuse;
Comply with applicable legal, regulatory, tax, accounting, and payment-system requirements;
Protect our legal rights and interests.
Different categories of information may be retained for different periods depending on their purpose and applicable requirements.
After the applicable retention period, information may be securely deleted, anonymised, or otherwise disposed of in accordance with applicable law and our internal policies.

8. Cookies and Similar Technologies

Our website and applications may use cookies, device identifiers, logs, and similar technologies to:
Maintain sessions;
Improve website and application functionality;
Remember user preferences;
Analyse service performance;
Detect security issues;
Prevent fraudulent or abusive activity.
You may be able to control cookies through your browser or device settings. Disabling certain cookies may affect the functionality of some services.

9. Communications

We may contact you through SMS, email, phone calls, push notifications, or other available communication channels for purposes including:
Transaction confirmation;
Payment status;
Bill payment receipts;
Failed or pending transaction updates;
Refund/reversal notifications;
Security alerts;
Service-related communications;
Customer support.
These communications are necessary for providing and supporting the services and may not be treated as promotional communications.

10. Fraud Prevention and Transaction Monitoring

We may monitor transactions and related activity to identify:
Fraudulent transactions;
Suspicious activity;
Unauthorised access;
Abusive use of our platform;
Payment manipulation;
Money laundering or other prohibited activity, where applicable;
Violations of applicable laws or service terms.
Where required, we may suspend, reject, or investigate a transaction and may share relevant information with authorised payment participants, regulators, banks, law enforcement agencies, or other competent authorities.

11. Customer Responsibilities

Customers are responsible for maintaining the confidentiality of:
Account credentials;
OTPs;
UPI PINs;
Passwords;
Card PINs;
CVV and other authentication credentials.
Customers should ensure that the information provided for bill payments is accurate.
PulsePe shall not be responsible for payment issues arising solely from incorrect biller details, consumer numbers, account numbers, mobile numbers, or other information entered by the customer, subject to applicable law and the applicable dispute/refund framework.

12. Children's Privacy

Our BBPS services are intended for persons who are legally capable of entering into a binding agreement.
We do not knowingly collect personal information from children in violation of applicable law.
If we become aware that personal information has been collected from a child in circumstances where such collection is not permitted, we will take reasonable steps to address the situation.

13. Data Security Incidents

In the event of a data security incident, we will take reasonable steps to investigate, contain, mitigate, and remediate the incident and make notifications to affected parties or authorities where required by applicable law or regulatory requirements.

14. Your Privacy Rights

Subject to applicable law, customers may have rights relating to their personal information, including rights to:
Request access to certain personal information;
Request correction of inaccurate information;
Request information regarding processing of personal information;
Raise concerns regarding the handling of personal information;
Exercise other rights available under applicable law.
Requests may be submitted using the contact details provided below.
Certain requests may be subject to verification and legal or regulatory limitations, including requirements to retain transaction records.

15. Changes to This Privacy Policy

PulsePe may update this Privacy Policy from time to time to reflect changes in our services, technology, applicable laws, regulations, or business practices.
Any revised Privacy Policy will be published on our website with an updated Effective Date.
Customers are encouraged to periodically review this page.

16. Grievance and Privacy Contact

For privacy-related questions, complaints, or requests, please contact:
PulsePe
Email: info@pulsepe.com
Phone: +91 90050 09296
Website: https://pulsepe.com
Office Address:
Shop No. 203, Possible Triangle,
Mavdi Main Road,
Rajkot, Gujarat – 360004, India
We will review and address privacy-related requests in accordance with applicable laws and our internal grievance procedures.

17. Applicable Law
This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws and regulations of India.
Where applicable, BBPS transactions and related services shall also be subject to the rules, regulations, directions, standards, and dispute-resolution framework applicable to the relevant BBPS participants and payment service providers.