A clear explanation of how your information is handled
This Privacy Policy explains how Instant Pan Hub ("we", "us", "our") handles personal information when you use our website, related mobile applications, account or wallet features, and services such as recharge, bill payment and money transfer. It should be read together with our Terms & Conditions.
Scope & purpose
We respect your privacy and handle personal information for legitimate service, support, security and compliance purposes. This policy applies to information processed through Instant Pan Hub and our related services. Separate terms or privacy notices may apply to independent banks, operators, merchants or payment gateways that you use through our platform.
Using a service does not by itself mean that you have consented to every optional purpose. Where consent is required, we will seek it in the appropriate way and provide available choices.
Information we collect
The information involved depends on the service you choose and what is necessary to provide it:
- Identity & contact details: name, email address, mobile number, postal address, date of birth and, where required, identity or address verification documents.
- Account & transaction details: account identifiers, service requests, wallet movements, recharge or bill details, beneficiary or bank account details needed for a transaction, order references and transaction history.
- Verification information: KYC details, tax or business documents where relevant to the specific service or applicable requirements.
- Support & communications: messages, complaints, correspondence, feedback and support-call records if calls are recorded and appropriate notice is provided.
- Device & usage information: IP address, login time, browser, operating system, device or session identifiers, pages visited, app activity, and approximate location inferred from the IP address. More precise location information is collected only where relevant and enabled through applicable device or app permissions.
- Optional information: responses to surveys, promotional participation and communication preferences, where applicable.
How we collect information
- Directly from you when you register, update your profile, submit documents, make a transaction, or contact support.
- Automatically through service logs, session records, cookies and similar technologies when you use our website or app.
- From authorized partners such as banks, payment gateways, operators or verification providers when needed to confirm a service request, payment status or identity check.
How we use information
We process relevant information to:
- Create, verify, maintain and secure user accounts and wallets.
- Carry out recharge, bill payment, money transfer and other requested services; check status and reconcile payments.
- Complete identity verification, prevent fraud, detect suspicious activity, resolve disputes and comply with applicable legal or financial-service requirements.
- Provide receipts, security alerts, service notices, technical support and complaint resolution.
- Maintain and improve website performance, usability and service quality.
- Send promotional updates or offers where permitted and subject to applicable consent and opt-out choices.
If you do not provide information essential for a requested service, we may be unable to provide that service.
Information sharing & third parties
We may share the information reasonably needed for a relevant purpose with authorized banks, payment gateways, mobile operators, billers, service enablers, identity-verification providers, technology vendors and support partners. These providers may have their own privacy notices for services they independently operate.
We may also disclose information where legally required, to respond to a valid request from authorities, address fraud or security incidents, or as part of a lawful business reorganization subject to applicable protections and notice requirements.
We do not provide personal information to independent merchants for their unrelated marketing without an appropriate lawful basis, including your consent where required.
Account & data security
We use appropriate technical and organizational safeguards designed to reduce the risk of unauthorized access, alteration, disclosure or loss. No website, app or transmission method can guarantee absolute security.
- Choose a strong, unique password and keep your login credentials confidential.
- Never disclose a password, OTP or PIN to a caller or support representative.
- Sign out on shared devices and review suspicious account activity promptly.
- If you suspect unauthorized access, contact us immediately using the email or official support channel below.
We may use login IP addresses, timestamps and approximate location signals to investigate security incidents and protect the platform.
Cookies & location information
Our website or app may use necessary cookies and similar technologies to maintain sessions, remember preferences, protect accounts and understand service performance. Optional analytics or promotional technologies, if used, are subject to applicable permission and consent requirements.
You can manage cookies through your browser settings, although disabling essential cookies may affect sign-in or other features. Approximate location may be inferred from your IP address; any permission-based precise location, where offered, can be managed through your device settings.
Data retention & transfers
We retain personal information only for as long as needed for the purposes explained in this policy, including account administration, transaction records, fraud prevention, dispute handling and applicable legal or regulatory obligations. Retention periods may differ by category of information and service. When no longer needed, information is deleted or anonymized as appropriate, subject to applicable requirements.
Authorized providers may process information using infrastructure in other locations. Any such processing is subject to applicable legal restrictions and relevant safeguards.
Your choices & privacy requests
Subject to applicable law, you may request information about the personal data we process, ask us to correct inaccurate information, seek deletion of eligible data, withdraw optional consent, or raise a concern about our handling of your information.
Some records must be kept to complete transactions, prevent fraud, resolve disputes or meet legal requirements. We will explain any relevant limitation when responding to your request. You may opt out of promotional messages using an available unsubscribe option or by contacting us; essential account and transaction notices may still be sent.
For a privacy request, contact us from your registered email where possible and describe the request. We may ask for reasonable verification to protect your account.
Age restrictions
Our registered services are intended for users aged 18 years or older. If you believe a minor has submitted personal information to us in connection with an account, please contact us for review.
Changes to this policy
We may update this Privacy Policy when our services, data practices or applicable requirements change. The "Last updated" date at the top shows the published version. Where required, we will provide additional notice or seek consent before applying changes.
Contact us about privacy
For questions, requests or complaints about your personal information, use our official support channel or the email address below:
instantpanhub@gmail.com
For formal privacy or grievance contact details, publish the responsible person's name, designation and postal address here if required for your organization.