PRIVACY POLICY
Last Updated: 01-04-2025
Introduction
Welcome to GRD PAYMENTS.
This Privacy Policy explains how GRD PAYMENTS ("we", "us", or "our") collects, uses, processes, stores, shares, and protects information when you access or use our mobile application, website, and related digital services ("Services").
By registering, accessing, or using GRD PAYMENTS, you acknowledge that you have read and understood this Privacy Policy.
If you do not agree with this Privacy Policy, please do not use our Services.
1. Information We Collect
Depending on the Services you use, GRD PAYMENTS may collect and process the following categories of information.
Personal Information
Information provided during registration, account management, verification, or customer support may include:
Transaction Information
When you use GRD PAYMENTS for Mobile Recharge, DTH Recharge, Bill Payment, or other available Services, we may process information including:
Mobile Number
Mobile Operator
Recharge Amount
Recharge Plan
DTH Customer ID / Subscriber ID
DTH Operator
Consumer Number / Account Number
Biller information
Bill Amount
Transaction ID / Reference Number
Transaction Date and Time
Transaction Status
Wallet transaction details
Refund / Reversal status, where applicable
Device & Technical Information
Where applicable and permitted, certain technical information may be collected, including:
Device type/model
Operating system and version
App version
IP address
Browser information
Network information
Login/security information
Error or crash information
Usage Information
We may process information relating to how users interact with GRD PAYMENTS, including:
This information may be used to operate, secure, troubleshoot, and improve our Services.
2. How We Use Your Information
GRD PAYMENTS may use collected information to:
Create and maintain user accounts.
Provide Mobile Recharge, DTH Recharge, Bill Payment, and other digital Services.
Process transactions.
Verify transaction status.
Maintain wallet/account records.
Display available transaction history.
Investigate recharge and transaction complaints.
Process eligible refunds or reversals.
Communicate with operators, billers, aggregators, or other service providers where required.
Detect and prevent fraud or unauthorized activities.
Protect user accounts and application security.
Provide customer support.
Send important transaction and service notifications.
Troubleshoot technical issues.
Improve application performance and reliability.
Comply with applicable legal and regulatory obligations.
Enforce our Terms and Conditions and other applicable policies.
3. Recharge Transaction Data – Two Calendar Months
GRD PAYMENTS maintains user-accessible recharge transaction history in the App/system for only the latest two (2) calendar months.
For example, if the current month is September, recharge transaction history available through the App may generally be limited to August and September.
Users who require transaction information for a longer period should regularly save, download, screenshot, export, or otherwise maintain their own transaction records.
GRD PAYMENTS does not guarantee that ordinary recharge transaction history older than two (2) calendar months will remain available or retrievable through the App.
Certain transaction, financial, accounting, security, fraud-prevention, audit, dispute-resolution, or compliance records may be retained separately for a longer period where required or permitted by applicable law.
Such retention does not mean those records will remain available as ordinary user-accessible recharge history.
4. Recharge & Transaction Complaints
When a user reports a Mobile Recharge, DTH Recharge, Bill Payment, or other transaction-related issue, GRD PAYMENTS may request information necessary to verify the complaint.
This may include:
Transaction ID / Reference ID
Mobile Number
DTH Customer ID / Subscriber ID
Consumer Number / Account Number
Operator / Biller
Transaction Amount
Transaction Date and Time
Transaction Status
Relevant screenshots
Operator confirmation, where applicable
Other valid supporting proof
Users must provide complete and accurate information when submitting transaction complaints.
After receiving complete and valid transaction details and required supporting proof, complaint verification and processing may require up to seven (7) working days.
Submission of a complaint does not automatically guarantee a refund.
Refund or reversal eligibility will depend on the verified transaction status and, where applicable, confirmation or reversal received from the relevant operator, biller, aggregator, API provider, or other service provider.
5. User Responsibility for Transaction Information
Users are responsible for checking and confirming all transaction details before submitting a recharge or bill payment.
This includes:
If incorrect information is entered and a transaction is successfully processed using those details, GRD PAYMENTS may not be able to cancel, modify, transfer, or reverse that transaction.
Users should therefore carefully verify all details before confirming any transaction.
6. Sharing of Information
GRD PAYMENTS does not sell users' personal information.
Information may be shared or processed only where reasonably necessary to provide, verify, secure, or support our Services.
This may include sharing relevant information with:
Telecom Operators
DTH Service Providers
Billers
Banks
Payment Gateways
API Providers
Aggregators
Technology / Hosting Providers
Security and fraud-prevention service providers
Other service providers necessary to complete or verify transactions
Only information reasonably required for the applicable purpose should be processed or shared.
7. Legal & Regulatory Disclosure
GRD PAYMENTS may disclose information where required or permitted by applicable law, regulation, court order, legal process, or a valid request from an authorized government, regulatory, law-enforcement, or judicial authority.
Information may also be used or disclosed where reasonably necessary for:
8. Data Security
GRD PAYMENTS takes reasonable administrative, technical, and organizational measures to protect user information against:
Unauthorized access
Misuse
Alteration
Disclosure
Loss
Destruction
However, no internet-based service, electronic transmission, or data-storage system can be guaranteed to be completely secure.
Users are responsible for protecting their:
Users should never voluntarily share passwords, OTPs, or PINs with unauthorized persons.
9. Data Retention
Different categories of information may have different retention periods.
Recharge Transaction History
User-accessible recharge transaction history is maintained for the latest two (2) calendar months.
Other Records
Certain account, financial, accounting, security, dispute, fraud-prevention, audit, regulatory, or compliance records may be retained for longer periods where required or permitted by applicable law.
Information that is no longer reasonably necessary may be deleted, anonymized, deactivated, or otherwise handled according to applicable requirements.
10. User Rights & Requests
Subject to applicable law and legal/regulatory requirements, users may request:
Access to eligible personal information.
Correction of inaccurate or incomplete information.
Updating of account information.
Deletion of eligible personal information or account data.
Withdrawal of consent where processing is based on consent.
Certain information may continue to be retained even after an account-deletion request where required or permitted for:
Financial records
Transaction records
Accounting
Fraud prevention
Security
Legal compliance
Regulatory obligations
Dispute resolution
Audit purposes
Account deletion requests will be handled according to the applicable GRD PAYMENTS Delete Account Policy.
For privacy-related requests, users may contact:
Email: cc.grdpayments@gmail.com
11. App Permissions
The GRD PAYMENTS application may request device permissions where required for specific application functions.
Permissions may vary depending on the features available in the application.
Users can manage applicable application permissions through their device settings.
Disabling a permission required for a particular feature may prevent that feature from working correctly.
12. Third-Party Services
GRD PAYMENTS may depend on third-party telecom operators, DTH providers, billers, banks, payment gateways, API providers, aggregators, and technology providers.
Such third-party providers may process relevant information in connection with transactions or Services.
Third-party providers may operate under their own applicable privacy policies, terms, and legal obligations.
GRD PAYMENTS is not responsible for the independent privacy practices of third-party websites or services that are outside our control.
13. Third-Party Links
The GRD PAYMENTS App or website may contain links to external websites or services.
Users should review the privacy policies and terms of any third-party website or service they choose to access.
GRD PAYMENTS does not control and is not responsible for the independent privacy practices, security, content, or operation of external websites or services.
14. Cookies & Website Technologies
The GRD PAYMENTS website may use cookies or similar technologies where applicable for purposes such as:
Users may manage applicable cookie preferences through their browser settings.
15. Fraud & Security Monitoring
GRD PAYMENTS may process account, transaction, device, technical, and usage information where reasonably necessary to:
Detect suspicious transactions
Prevent fraud
Detect unauthorized account access
Investigate fake complaints
Detect manipulated transaction proof
Protect users
Protect the GRD PAYMENTS platform
Where there is reasonable evidence of fraud, misuse, or unauthorized activity, appropriate account restrictions or additional verification may be applied subject to applicable law and our Terms and Conditions.
16. Customer Communications
GRD PAYMENTS may use registered contact information to send:
Transaction notifications
Account-related messages
Security alerts
Recharge status information
Service updates
Application updates
Operational notices
Customer-support responses
Users are responsible for keeping their registered contact information accurate and current.
17. Children's Privacy
GRD PAYMENTS Services are intended for users who are legally capable of using the applicable Services.
We do not knowingly seek to collect children's personal information contrary to applicable law.
If we become aware that personal information has been collected in violation of applicable legal requirements, reasonable steps may be taken to address the matter.
18. Account Deletion
Users may request deletion of their GRD PAYMENTS account according to the applicable Delete Account Policy.
Before account deletion, users are advised to save any transaction records they may require.
After account deletion:
Account access may be permanently discontinued.
User-accessible transaction history may no longer be available.
Eligible profile information may be deleted or deactivated.
Certain records may continue to be retained where required or permitted by applicable law.
19. Changes to This Privacy Policy
GRD PAYMENTS may update this Privacy Policy from time to time due to changes in:
Services
Technology
Business requirements
Third-party services
Legal requirements
Regulatory requirements
The updated Privacy Policy may be published through the GRD PAYMENTS website or application with an updated "Last Updated" date.
Users are encouraged to review this Privacy Policy periodically.
20. Contact Us
For questions, privacy requests, transaction-support issues, or concerns relating to this Privacy Policy:
GRD PAYMENTS
Tamil Nadu, India
Email: cc.grdpayments@gmail.com
Support Number: 91 98439 98122
Website: https://www.grdpayments.com
Important Notice
GRD PAYMENTS maintains user-accessible recharge transaction history for only the latest two (2) calendar months.
Users should maintain their own copies of older transaction records if required.
For recharge or transaction complaints, users must provide complete and valid transaction details and supporting proof.
After all required valid proof is received, complaint verification and processing may require up to seven (7) working days.