Privacy Policy

Last updated: 1 August 2026

1. Overview

Appex Wallet ("we", "our", "us") operates the website appexwallet.in and related recharge and bill payment services (the "Platform"). This Privacy Policy explains what information we collect from you, how we use it, and the choices you have. By using the Platform, you agree to the collection and use of information described here.

2. Information we collect

We collect information you provide directly, information generated when you use our services, and information from third parties involved in completing a transaction.

• Account information: name, mobile number, email address, and password when you register.
• Transaction information: recharge or bill details such as mobile number, consumer ID, biller name, amount, and payment method.
• Payment information: UPI ID, masked card details, or bank reference numbers, processed through our RBI-regulated payment partners. We do not store full card numbers or UPI PINs.
• Device & usage information: IP address, browser type, device identifiers, and pages visited, collected automatically for security and analytics.
• KYC information: where required for services such as bank or demat account opening, identity documents shared with our regulated partners.

3. How we use information

• To process recharges, bill payments, and account-opening requests you initiate.
• To verify your identity and prevent fraud or unauthorised transactions.
• To send transaction confirmations, receipts, and service updates.
• To provide customer support and resolve disputes or failed transactions.
• To improve the Platform's performance, reliability, and user experience.
• To comply with legal, regulatory, and tax obligations applicable in India.

4. Sharing of information

We share information only where necessary to complete your request or as required by law:

• With billers, operators, and BBPS/payment partners, to the extent needed to process your transaction.
• With banks, NBFCs, or card networks, for services such as account opening or credit card applications you apply for.
• With regulators, courts, or government authorities, when legally required.
• With service providers who support hosting, analytics, or customer support, under confidentiality obligations.

We do not sell your personal information to third parties.

5. Data security

We use industry-standard safeguards, including encryption in transit, restricted access controls, and regular security reviews, to protect your information. No method of transmission over the internet is completely secure, and while we work to protect your data, we cannot guarantee absolute security.

6. Data retention

We retain transaction and account records for as long as your account is active and thereafter as required to meet legal, accounting, and regulatory obligations, including recordkeeping requirements under applicable Indian payment and taxation laws.

7. Your rights & choices

You may access, correct, or request deletion of your account information by contacting our support team. You may also opt out of promotional communications at any time using the unsubscribe option or by contacting us directly. Certain information may be retained where required by law even after a deletion request.

8. Cookies

We use cookies and similar technologies to keep you signed in, remember preferences, and understand how the Platform is used. You can control cookies through your browser settings; disabling them may limit some features of the Platform.

9. Children's privacy

The Platform is intended for users who are 18 years of age or older, or who otherwise have the legal capacity to enter into financial transactions under Indian law. We do not knowingly collect personal information from children.

10. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the revised policy on this page with an updated "Last updated" date. Continued use of the Platform after changes are posted constitutes acceptance of the revised policy.

11. Contact us

For questions about this Privacy Policy or how your data is handled, contact us at support@appexwallet.in or through our Contact Us page. Appex Wallet is registered in West Bengal, India.