Privacy Policy

1. Introduction

Welcome to Quiqpe Private Limited. This Privacy Policy explains how Quiqpe Private Limited ("Quiqpe", "we", "us", "our") collects, uses, stores and protects the personal data of users ("you", "User") who access our mobile application or website at https://quiqpe.com.

Quiqpe provides mobile recharge, DTH recharge and BBPS (Bharat Bill Payment System) services. By registering or using the platform, you consent to the practices described in this Policy.

This Policy complies with the Information Technology Act 2000, the Digital Personal Data Protection Act 2023 (DPDP Act), the IT (Reasonable Security Practices and Sensitive Personal Data) Rules 2011, RBI Guidelines on Payment Aggregators, the Google Play Developer Privacy Policy and the Apple App Store Review Guidelines (Section 5.1).

2. Information We Collect

2.1 Information You Provide

• Full name and profile details at registration
• Mobile number (primary account identifier)
• Email address for receipts and notifications
• Saved beneficiary numbers — mobile, DTH subscriber IDs, BBPS consumer numbers
• Customer support queries and communications

2.2 Automatically Collected

• Device model, OS version, unique device identifiers (Android ID / IDFV on iOS)
• App usage analytics — screens visited, features used, session duration
• IP address and approximate city-level location for fraud prevention
• Crash logs and performance diagnostics
• Referral tree data — your referral code, upline and downline relationships

2.3 Payment Information

3. How We Use Your Data

3.1 Service Delivery

• Processing mobile recharge, DTH and BBPS payment requests
• Sending transaction confirmations via SMS, WhatsApp and email
• Crediting Quiqpe Points and referral rewards
• Processing refunds for failed transactions

3.2 Account & Security

• Account creation, authentication and session management
• Fraud detection, prevention and investigation
• Customer support and dispute resolution

3.3 Legal & Compliance

• Compliance with RBI, NPCI, TRAI and Income Tax regulations
• Responding to lawful requests from courts or government authorities
• Maintaining transaction records under FEMA and GST laws

4. Legal Basis (DPDP Act 2023)

5. Data Sharing

We do NOT sell, rent or trade your personal data. We share data only in these limited circumstances:

5.1 Service Partners

• Payment gateways for processing transactions
• Telecom operators (Jio, Airtel, Vi, BSNL, MTNL) for recharge execution
• BBPS network and DISCOMs / billers for bill payment
• SMS and WhatsApp gateway providers for notifications
• Cloud hosting and database providers under signed Data Processing Agreements

5.2 Legal Requirements

• Valid court orders or warrants from competent Indian courts
• Requests from RBI, NPCI, TRAI, CERT-In or other regulators
• Investigation of fraud or violation of these policies

6. Data Retention

7. Your Rights (DPDP Act 2023)

• Right to Access: Request a copy of your personal data held by us.
• Right to Correction: Correct inaccurate or outdated personal data.
• Right to Erasure: Request deletion of data (subject to legal retention requirements).
• Right to Withdraw Consent: Opt out of optional data uses anytime via App Settings > Privacy.
• Right to Nominate: Designate a nominee to exercise your rights in case of death/incapacity.
• Right to Grievance: File a complaint with our Grievance Officer at grievance@quiqpe.com.

To exercise any right, email privacy@quiqpe.com or use 'Privacy Settings' in the app. We respond within 30 days.

8. Data Security

• AES-256 encryption for data at rest
• TLS 1.3 encryption for all data in transit
• PCI-DSS compliant payment processing — card/UPI data never reaches Quiqpe servers
• Role-based access control — only authorised personnel access personal data
• Automated session timeout after 15 minutes of inactivity
• OTP-based two-factor authentication for all transactions
• Regular security audits and vulnerability assessments

9. Children's Privacy

Quiqpe is strictly for users aged 18 years and above. We do not knowingly collect data from minors. If you believe a minor has registered, email privacy@quiqpe.com immediately. We will delete the account within 7 business days. This provision satisfies Google Play's Families Policy and Apple App Store's child safety requirements.

10. Cookies (Web — quiqpe.com)

For details of cookies used on quiqpe.com see our Cookie & Data Policy.

11. Changes to This Policy

• We update the 'Effective Date' at the top of this document.
• Material changes trigger an in-app notification to all registered users.
• Significant changes require re-consent before continued use.

12. Grievance Officer

If unresolved, you may approach the Data Protection Board of India (under DPDP Act 2023) or the Consumer Disputes Redressal Commission. See our Grievance Redressal Policy for full escalation paths.

Contact Us

Last updated: 15 April 2026. We reserve the right to update this policy at any time. Material changes will be notified to registered users.