Privacy Policy

Last updated: March 3, 2026

1. Introduction

AI Pay ("we," "us," "our," "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

2. Information We Collect

Personal Information

• Name and contact information (email, phone number, address)
• Date of birth and age verification
• Government-issued identification
• Bank account and payment method details
• Account login credentials

Transaction Information

• Details of recharges and bill payments made
• Transaction history and receipts
• Service providers and payment beneficiaries

Device Information

• Device type and operating system
• IP address and location data
• App usage analytics and crash reports
• Device identifiers and cookies

3. How We Use Your Information

We use collected information to:

• Process and complete transactions
• Verify your identity and prevent fraud
• Send transaction confirmations and receipts
• Provide customer support and respond to inquiries
• Improve our Service and user experience
• Comply with legal and regulatory requirements
• Send promotional offers (with your consent)
• Analyze app performance and troubleshoot issues

4. Data Security

AI Pay implements industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption
• Secure servers and firewalls
• Two-factor authentication options
• Regular security audits and updates
• Compliance with PCI DSS standards

5. Third-Party Sharing

We share your information with:

• Payment processors and banking partners
• Telecom and utility service providers
• Law enforcement (when legally required)
• Third-party analytics and fraud prevention services

We do not sell your personal data to third parties for marketing purposes.

6. Your Data Rights

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data
• Opt-out of marketing communications
• Withdraw consent for data processing

7. Cookies and Tracking

AI Pay uses cookies to enhance your experience. Cookies help us:

• Remember your preferences
• Analyze usage patterns
• Improve security and prevent fraud

You can disable cookies in your browser settings, though some features may not function properly.

8. Children's Privacy

AI Pay is not intended for users under 18 years of age. We do not knowingly collect information from children. If we discover that we have collected data from a minor, we will delete it immediately.

9. Data Retention

We retain your data for as long as your account is active or as required by law. You may request data deletion by contacting us, subject to legal and contractual obligations.

10. International Data Transfer

Your information is primarily stored in India. If we transfer data internationally, we implement appropriate safeguards to ensure compliance with applicable data protection laws.

11. Changes to Privacy Policy

We may update this Privacy Policy periodically. We will notify you of any material changes by posting the updated policy and changing the "Last updated" date.

12. Contact Us

For privacy-related inquiries, contact us at:

• Email: moondigitalpay@gmail.com
• Phone: +91 7804950318
• Hours: Monday - Saturday: 9 AM - 6 PM
• Head Office: Moon Digital Payment Services LLP, 36, M.G Road Khachrod, Dist Ujjain 456224, India

13. Data Protection Officer

Our Data Protection Officer oversees privacy compliance. Contact them at: dpo@aipay.com