PRIVACY POLICY

This Privacy Policy explains how AR QUICK PAY ("we", "our" or "us") may collect, use, disclose and protect information when you access https://arquickpay.com/ or use the AR QUICK PAY Android application, which displays our website in a WebView. The services available to a particular user may vary by account and eligibility.

Please read this Policy together with our Terms & Conditions. If you do not agree with this Policy, please stop using the services.

Depending on the features you use, we may collect or receive:

• Account and contact information: name, mobile number, email address, address, date of birth and other details you provide during registration or account verification.
• Transaction and service information: recharge or bill-payment details, wallet or payment records, transaction references, service requests and related support records.
• Verification documents and images: photos, identity or other documents that you choose to capture or select and submit through an upload field for a service.
• Technical and usage information: IP address, device or browser information, operating system, log data, and basic diagnostic or security information that may be recorded by the website, hosting provider or service providers.
• Communications: information you provide when contacting customer support and, where used, delivery status for service-related SMS or notifications.

We do not intend to collect information that is unnecessary for the service being requested. Please do not upload information that the relevant form or service does not ask for.

Information may be used, as applicable, to:

• Create and manage user accounts and provide requested services;
• Process transactions, payments, recharges, bill payments and service requests;
• Review documents and perform identity, eligibility or account verification where required;
• Prevent fraud, investigate suspicious activity, protect accounts and maintain platform security;
• Respond to support requests, complaints, disputes and transaction queries;
• Send service-related OTPs, transaction messages and important account notices where those features are used;
• Comply with applicable legal, regulatory, accounting and record-keeping obligations; and
• Maintain, troubleshoot and improve the reliability of the website and app.

The app may allow you to open the device camera to take a photo or use the Android system photo picker/file picker to select a photo or document.

• Camera access is used when you choose a camera-based capture feature and the Android system requires camera permission.
• When you select an item through the system photo picker or file picker, you choose which item to share with the app or website. The app does not need broad access to your entire photo gallery merely to select an item.
• A photo or document is sent to AR QUICK PAY only when you submit it through a website form or service that accepts uploads.
• Before uploading, check that the selected file is relevant to the service and does not contain unrelated personal information.

Uploaded files may be processed by our website, hosting infrastructure and relevant service providers to fulfil the request, verify information, prevent fraud or meet legal obligations. The actual handling of each upload depends on the service for which it is submitted.

The app's permission use depends on the installed version and the feature you choose:

• Internet: required to load the AR QUICK PAY website and communicate with its services.
• Camera: may be required if you choose to capture a photo using the camera.
• Photos and files: you can select individual photos or documents through Android's system picker or file picker. Broad gallery/storage access should not be required solely for this selection.
• Notifications or location: these are relevant only if a feature in the installed app requests and uses them. Do not assume they are required for basic website access.

You can decline a permission, although a feature that depends on it may not work. You can manage app permissions in Android Settings. The app should not request a permission for a purpose unrelated to the feature being used.

We may disclose relevant information, limited to what is needed, to:

• Payment gateways, banks, recharge, bill-payment, insurance or other service partners involved in a transaction you request;
• Website hosting, infrastructure, security, technical support and communication providers that help operate the service;
• Verification, fraud-prevention or customer-support providers where required for the relevant service;
• Government, law-enforcement, regulatory or other authorities when disclosure is required by applicable law or a valid legal process; or
• Another party where you have asked us to do so or have otherwise provided appropriate authorization.

Service providers may process information under their own terms and privacy policies. We do not state that every listed category is used for every user or every transaction. We do not sell personal information as a business model.

We retain personal information and uploaded documents for as long as reasonably necessary to provide the requested service, maintain account and transaction records, resolve disputes, prevent fraud and meet applicable legal or regulatory obligations. Retention periods may differ by information type and service.

If you want to request access to, correction of, or deletion of information associated with your account, contact us using the details below. We may need to verify your identity before responding. Some records may need to be retained where the law requires it or where they are necessary to establish, exercise or defend legal claims.

We use reasonable technical and organisational measures intended to protect information against unauthorised access, loss, misuse or alteration. These measures may include HTTPS communication, access controls and security monitoring where implemented.

No website, network transmission or storage system can be guaranteed to be completely secure. Please keep your password, MPIN and OTP confidential and contact support promptly if you suspect unauthorised access.

The website may connect to payment gateways, banks, recharge or utility providers, insurance partners, SMS/communication services and other third parties. Their services may be governed by their own privacy policies and terms. We encourage you to review those policies when you use their services.

We are not responsible for the independent privacy practices of third-party websites or services. This does not limit any responsibility that cannot be excluded under applicable law.

AR QUICK PAY services are intended for users who are legally eligible to use the relevant service. A parent or guardian should contact us if they believe a child has provided personal information inappropriately. We will review such requests and take action as required by applicable law.

Subject to applicable law and service requirements, you may contact us to request access to or correction of your personal information, ask about how it is used, or request deletion where deletion is available.

You can choose which photo or document to select for upload, cancel a picker without selecting a file, and manage Android permissions through device Settings. If you do not provide information needed for a particular service, we may be unable to provide that service.

We may update this Privacy Policy when our services, practices or legal obligations change. The updated version will be published on this page with a revised "Last updated" date. Please review this page periodically.

If you have questions, concerns, or a request about personal information, contact AR QUICK PAY using the details below.

For privacy-related questions or requests, please contact us using the details above. We may ask for information needed to verify your identity before responding.