Privacy Policy At BillPayNXT by Localkart, we are committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy outlines how we collect, store, share, and protect your personal information.
We collect various types of personal data to provide our services effectively. This may include:
Personal Details: Name, contact details, residential address, date of birth, and government-issued identification details
(e.g., identity card, passport, Aadhaar, PAN, Voter ID, driving license).
Account Information: Details required to open and maintain your BillPayNXT by Localkart account, including transaction history, balances, and payment details.
Financial Information: Income, expenses, credit history, and other financial details necessary for certain service applications.
Documents and Photos: Images of documents uploaded for account verification and maintenance.
Customer Interactions: Recordings of conversations with our customer care agents for addressing queries and grievances.
Employment Details: Occupation, employment history, salary, and benefits for record retention and compliance purposes.
Other Information: Feedback, survey responses, and data obtained from your device usage (e.g., location, communication information, device model, transactional SMS/app notifications).
Your personal data is stored and processed exclusively within India, in compliance with regulatory requirements, including the RBI circular on the Storage of Payment System Data dated 6th April 2018. We maintain backup systems within India to ensure data integrity and facilitate recovery in case of system failures.
We prioritize the confidentiality of your personal data and do not share it without your explicit consent, except in the following cases:
Providing Banking Services: We may share data with designated personnel or partners on a need-to-know basis to enable the provision of services you've availed.
Legal/Regulatory Requirements: Personal data may be shared if directed or required by legal, regulatory, statutory, or governmental authorities under applicable laws and regulations
Fraud Prevention and Risk Management: Data may be shared with banks, financial institutions, or regulatory agencies to verify, mitigate, or prevent fraud, manage risk, or recover funds.
We use cookies and tracking technology on our website/app to enhance user experience and maintain service functionality. These technologies do not collect personal data unless provided by you previously.
We employ robust security measures to protect your personal data from unauthorized access, misuse, loss, or disclosure. These measures include:
Encryption: Utilization of secure server layers encryption.
Access Controls: Limiting access to personal data to authorized personnel.
Third-Party Audits: Regular audits by independent cybersecurity agencies.
User-Specific Security Features: Login/logout options, device binding, and other authentication measures to prevent unauthorized access.
You have certain rights regarding your personal data, including the right to access, correct, or delete information. Please contact us if you wish to exercise these rights or have any privacy-related concerns.
We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. We will notify you of any significant changes and provide the updated policy on our website/app.
If you have any questions or concerns regarding our Privacy Policy or the handling of your personal data, please contact us at admin@localkart.app.