1Scope
This Privacy Policy applies to the website nexapeapp.com, the NEXA PE partner portal, mobile app and API (together, the “Platform”). By registering on or using the Platform you agree to the collection and use of information as described here, in line with the Information Technology Act, 2000, its rules, and the Digital Personal Data Protection Act, 2023.
2Information we collect
Account & KYC information
- Name, shop / business name, mobile number, email address, postal address, state and PIN code.
- PAN, Aadhaar number and KYC documents you upload (Aadhaar front and back, PAN card, photograph and optional business proof).
- Login details such as your user ID and password (passwords are stored only in encrypted, hashed form).
Transaction information
- Wallet top-ups, transfers, recharges, PAN applications, insurance requests, commissions and refunds, with date, amount and status.
- Payment references from banks, UPI and payment gateways. We do not store your card numbers, CVV or UPI PIN.
Technical information
- IP address, device and browser type, login times and pages used — collected for security, fraud prevention and troubleshooting.
- In the mobile app: app version, device model and Android version, and a push-notification token (Firebase Cloud Messaging) so we can send transaction alerts.
Information you choose to provide in the app
- Contacts: when you tap the contacts icon on the recharge screen, Android's contact picker opens and only the number of the one contact you select is filled in. The app does not read, upload or store your contact list.
- Photos and camera: images you take or choose for KYC, PAN applications or insurance are uploaded only to complete that service.
- Location: used only inside the NSDL (Protean) e-KYC PAN page, because NSDL requires it — see the next section.
3Mobile app permissions
The Nexa Pe Android app asks only for the permissions below, and only when you use the feature that needs it. You can turn any of them off in your phone's Settings.
| Permission | Why it is used |
|---|---|
| Location (approximate and precise) | Required by NSDL (Protean) to process an e-KYC PAN application. Used only while that page is open, shared only with NSDL, and never collected in the background. |
| Camera / photos | To capture or choose KYC and PAN documents. The app receives only the images you take or select. |
| Notifications | To show transaction alerts, recharge status and service notices. |
| Biometrics (fingerprint / face) | Optional app lock. Your fingerprint or face data stays on your phone and is never sent to us. |
| Internet | To connect to our servers and complete transactions. |
4How we use your information
- To create and verify your account and complete KYC checks.
- To process recharges, PAN services, insurance and other services you request.
- To manage your wallet, calculate commissions and process refunds.
- To send transaction alerts, OTPs, account updates and service notices by SMS, WhatsApp or email.
- To provide customer support and resolve complaints and disputes.
- To detect and prevent fraud, misuse and unauthorised access.
- To meet legal, tax, audit and regulatory requirements.
6Your customers' data
When you use the Platform to serve a customer (for example, applying for their PAN or recharging their number), you collect their details and share them with us to complete that service. You must:
- Get the customer's consent before collecting and submitting their details, Aadhaar or documents.
- Use their information only for the service they asked for.
- Not keep copies of their Aadhaar, PAN or documents longer than needed, and keep any copies secure.
7How we protect it
- All pages, the mobile app and our APIs use encrypted HTTPS connections, so data is encrypted in transit.
- KYC documents are stored outside the public website and can be viewed only by authorised reviewers.
- Passwords are hashed; OTPs and transaction PINs protect sensitive actions.
- Access to personal data is limited to staff who need it for their work.
8How long we keep it
We keep your account and KYC information while your account is active. Transaction records are kept for the period required under tax, accounting and anti-money-laundering laws, and then deleted or anonymised.
9Your rights
- Access — see the personal information we hold about you.
- Correction — update your profile or ask us to correct wrong details.
- Withdraw consent / erasure — ask us to close your account and delete your data, except records we must keep by law (see Deleting your account).
- Grievance — raise a complaint about how your data is handled.
To use these rights, contact us at [email protected] or 7811858888.
10Deleting your account
You can ask us to delete your account and personal data at any time:
- In the app: Profile → Delete Account.
- On the web: nexapeapp.com/delete-account.
- By contacting us at [email protected] or 7811858888.
We delete your profile, contact details, KYC documents and device tokens within 7 working days of confirming the request. Transaction and wallet records are kept only as long as tax, accounting and anti-money-laundering laws require, and then deleted.
11Children
The Platform is meant for businesses and adults aged 18 and over. We do not knowingly create accounts for, or collect personal information from, children. PAN applications made for a minor are submitted by an adult applicant or guardian with their consent.
12Cookies
We use essential cookies to keep you signed in and to protect your session. We also remember simple preferences on your device, such as the dashboard theme. We do not use cookies for third-party advertising.
13Changes to this policy
We may update this policy from time to time. The latest version will always be on this page with its “Last updated” date. Continued use of the Platform after a change means you accept the updated policy.
14Grievance & contact
For any privacy question or complaint, contact our Grievance Officer (Customer Support) at [email protected] or 7811858888. We will acknowledge your complaint within 48 hours and try to resolve it within 30 days.
SITALKUCHI , MATHABHANGA , COOCHBEHAR , 736158