Privacy Policy

1. Information We Collect

We collect several types of information from and about users of our Services, including:

• Personal Identification Information: Name, email address, phone number, business details, and government-issued identification when required for verification.
• Financial Information: Bank account details, transaction history, and payment information necessary to provide our recharge services.
• Technical Information: IP address, browser type, operating system, device information, and usage data.
• Transaction Information: Details about the recharges, bill payments, and money transfers you conduct through our platform.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To provide and maintain our multi recharge services
• To process transactions and send transaction notifications
• To verify your identity and prevent fraud
• To improve our services and develop new features
• To communicate with you about updates, security alerts, and support messages
• To comply with legal obligations and enforce our terms of service

3. Information Sharing and Disclosure

We may share your personal information in the following situations:

• With Service Providers: We may share information with third-party vendors who help us operate our platform, such as payment processors and cloud hosting providers.
• For Legal Reasons: We may disclose information if required by law, regulation, or legal process.
• Business Transfers: In connection with any merger, sale of company assets, or acquisition.
• With Your Consent: We may share information for any other purpose disclosed to you with your consent.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and vulnerability testing
• Access controls and authentication mechanisms
• Secure network infrastructure with firewalls

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Our retention periods vary depending on the type of data:

Data Type	Retention Period
Account Information	As long as your account is active plus 5 years
Transaction Records	7 years for tax and regulatory purposes
Technical Logs	1 year for security monitoring
Marketing Data	Until you unsubscribe or request deletion

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: You can request access to the personal information we hold about you.
• Correction: You can request correction of inaccurate or incomplete information.
• Deletion: You can request deletion of your personal information in certain circumstances.
• Restriction: You can request restriction of processing of your personal information.
• Portability: You can request a copy of your data in a structured, machine-readable format.
• Objection: You can object to processing of your personal information for direct marketing.

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our platform and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

We use both session and persistent cookies for the following purposes:

• Essential Cookies: Required for the basic functions of our platform
• Performance Cookies: Help us understand how visitors interact with our platform
• Functionality Cookies: Enable enhanced functionality and personalization

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

8. Third-Party Links

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

10. Refund Policy

At GSPAY, we strive to provide reliable and efficient multi recharge services. This Refund Policy outlines the circumstances under which refunds may be processed and our procedures for handling refund requests.

10.1 Eligibility for Refunds

Refunds may be considered in the following scenarios:

• Failed Transactions: When a recharge or bill payment transaction fails but the amount has been debited from your account
• Technical Errors: When our system experiences technical issues that result in duplicate transactions or incorrect deductions
• Service Unavailability: When services are unavailable for extended periods beyond our service level agreements

10.2 Non-Refundable Scenarios

Refunds will not be provided in the following cases:

• Successful transactions that have been processed correctly
• Transactions where the error was due to incorrect information provided by the user
• Amounts deducted by telecom operators or service providers as part of their policies
• Service fees and commission charges for completed transactions
• Funds transferred to incorrect numbers/accounts due to user error

10.3 Refund Process

To request a refund, please follow these steps:

1. Contact our customer support team via email at Support@gspay.com or call 02269621549
2. Provide your transaction ID, mobile number, amount, and detailed description of the issue
3. Our team will investigate the transaction and respond within 3-5 business days
4. If approved, refunds will be processed to your original payment method within 7-10 business days

10.4 Refund Timeframes

Refund Type	Processing Time
Failed Recharges	24-48 hours after approval
Technical Errors	3-5 business days after approval
Wallet Balance Refunds	7-10 business days after account closure request

10.5 Wallet Balance Refunds

If you wish to close your GSPAY account and refund your remaining wallet balance:

• Minimum refund amount: ₹100
• Processing fee: ₹50 or 2% of the refund amount (whichever is higher)
• Refund will be processed to your registered bank account only
• Account must have no pending transactions or disputes

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

We will also provide notice through our Services or by other means, such as email, prior to the change becoming effective when required by law.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Contact Us

If you have any questions about this Privacy Policy or our Refund Policy, please contact us:

• By email: Support@gspay.com
• By phone: 02269621549
• By mail: Pathan Enterprises ,flat No. 60, Building - 8kb Ward No. 05 ,Anupagarh Ganganagar Rajasthan 335701

For refund-related queries specifically, please include "Refund Request" in your email subject line.