Privacy Policy

1. Introduction

By creating an account, installing our mobile application, or using RedCaptains services, you agree to this Privacy Policy. If you do not agree, please do not use the app or website.

RedCaptains provides digital payment and utility services in India, including prepaid/postpaid recharge, electricity bill payment, credit card bill payment, wallet top-up, withdrawals, referrals, and related account features.

2. Information we collect

2.1 Account information

• Name, email address, and mobile number
• Login credentials and MPIN (stored securely / hashed where applicable)
• Profile details you choose to provide

2.2 Service & transaction information

• Recharge numbers, operator/board details, consumer numbers, and bill amounts
• Credit card biller details required to process payments
• Wallet balances, add-money / withdraw requests, UTR / payment references
• Bank account details you add for withdrawals (account number, IFSC, bank name)
• Transaction history, status, admin remarks, and related timestamps

2.3 KYC / identity verification

• Identity documents and selfie/photo you upload for KYC verification
• Verification status and review notes needed for compliance and fraud prevention

2.4 Device & technical information

• IP address, browser/app type, device identifiers, and approximate location derived from IP
• Log data for security, troubleshooting, and performance
• Cookies or similar technologies on the website for session and preference management

2.5 Support & communication

• Messages you send via contact forms, support tickets, or email/WhatsApp
• Call or chat records related to customer support (if applicable)

3. How we use your information

We use your information to:

• Create and manage your RedCaptains account
• Process recharges, bill payments, wallet credits/debits, withdrawals, and refunds
• Verify identity (KYC), prevent fraud, and comply with applicable laws
• Send transactional emails/SMS/notifications about request status, OTPs, and security alerts
• Provide customer support and resolve disputes
• Improve app performance, reliability, and user experience
• Send service-related updates; promotional messages only where permitted and with your consent where required

4. Payments, wallet & financial data

Payment processing may involve third-party payment gateways, UPI providers, and banking partners. We do not store full card CVV or full UPI PIN. Sensitive payment authentication is handled by the respective payment providers under their own policies.

Wallet balances and transaction records are maintained to operate the service, show history, handle disputes, and meet accounting / regulatory needs.

5. KYC & identity verification

Certain features (such as withdrawals) may require KYC. Documents you upload are used only for verification, fraud prevention, and legal compliance. Access is limited to authorized personnel and systems that need it to review or process your request.

6. How we share information

We do not sell your personal information. We may share data only with:

• Service partners needed to complete recharges, bill payments, payouts, SMS/email delivery, or hosting
• Payment processors / banks to authorize and settle transactions
• Professional advisors (legal, accounting) under confidentiality where required
• Authorities when required by law, regulation, court order, or to protect rights and safety

Third parties are expected to use shared data only for the purpose of providing their services to RedCaptains and in line with applicable law.

7. Data retention

We retain personal and transaction data for as long as your account is active and as needed to provide services, resolve disputes, enforce agreements, and meet legal, tax, and audit obligations. When data is no longer required, we delete or anonymize it where reasonably possible.

8. Security

We use administrative, technical, and organizational measures designed to protect your information, including encrypted connections (HTTPS), access controls, and secure storage practices. No method of transmission or storage is 100% secure; please keep your password and MPIN confidential.

9. Your rights & choices

Subject to applicable law, you may request to:

• Access or correct your account profile information
• Update bank details or other details you submitted
• Request deletion of your account/data, subject to legal retention requirements
• Opt out of promotional communications (transactional messages may still be sent)

To exercise these rights, contact us using the details in the Contact section below. We may need to verify your identity before fulfilling a request.

10. Children’s privacy

RedCaptains services are intended for users who can form a legally binding contract under applicable Indian law (generally 18 years or older). We do not knowingly collect personal information from children. If you believe a child has provided us data, contact us and we will take appropriate steps to delete it.

11. Third-party links & SDKs

The app or website may contain links to third-party sites or use SDKs/services (for example, analytics, crash reporting, or payment SDKs). Their privacy practices are governed by their own policies. We encourage you to review those policies.

12. Location of processing

Your information is primarily processed in India. If any processing occurs outside India through cloud or service providers, we take reasonable steps to ensure appropriate safeguards.

13. Changes to this policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date. Continued use of RedCaptains after changes means you accept the updated policy.

14. Contact us

For privacy questions, data requests, or complaints related to this Privacy Policy, contact: