My Rewards Pay

PRIVACY POLICY

MyRewardsPay

Effective Date: 18/08/2026

Welcome to MyRewardsPay, a digital platform owned and operated by NR12 Brands Marketing Private Limited ("Company", "we", "our", or "us").

We respect your privacy and are committed to protecting your personal information and handling it responsibly. This Privacy Policy explains how we collect, use, process, store, disclose, and protect information when you access or use www.myrewardspay.com, the MyRewardsPay mobile application, Business Partner Portal, Subscription User Portal, and other related products and digital services.

By accessing, registering with, or using MyRewardsPay, you acknowledge that you have read and understood this Privacy Policy. Where consent is required under applicable law, we will obtain consent through appropriate mechanisms.

1. INFORMATION WE COLLECT

We collect information that is reasonably necessary to create and manage accounts, verify users, provide digital services, process service requests, maintain security, and comply with applicable legal and regulatory requirements.

A. Personal Information

During registration or while using our digital services, we may collect:

Full Name
Mobile Number
Email Address
Date of Birth
Gender, where applicable
Residential Address
City, State and PIN Code
User ID
Referral ID, where applicable
Subscription information
Other information voluntarily provided by you

B. KYC AND IDENTITY INFORMATION

Where identity verification is required, we may collect:

Aadhaar-related information, where lawfully permitted and required
PAN Number
Passport-size photograph
Selfie or photograph, where required
Address proof
Government-issued identity documents
Business registration documents for Business Partners
Other documents required for identity verification or regulatory compliance

KYC information may be used to verify identity, maintain account security, prevent misuse, and meet applicable legal and regulatory requirements.

C. BANK INFORMATION

Where applicable for eligible account-related services, verification, settlement, refunds, or other authorised purposes, we may collect:

Account Holder Name
Bank Name
Bank Account Number
IFSC Code
Cancelled Cheque
Passbook or bank account proof
Other information required for verification or authorised account-related activities

Such information will be used only for legitimate and relevant purposes.

D. SERVICE AND TRANSACTION INFORMATION

When you use MyRewardsPay, we may collect information relating to:

Subscription transactions
Wallet transactions
Mobile recharge transactions
DTH recharge transactions
FASTag transactions
Electricity service transactions
Water service transactions
Gas service transactions
Broadband service transactions
Landline service transactions
Credit card service transactions
Shopping transactions
Travel bookings
Flight bookings
Bus bookings
Train bookings
Hotel bookings
Holiday packages
Reward-related transactions
Transaction status
Refund and reversal information
Transaction reference numbers
Transaction dates and times
Transaction history

E. DEVICE AND TECHNICAL INFORMATION

When you access or use our Platform, certain information may be collected automatically, including:

Device type
Browser type
Operating system
IP address
Device identifiers, where applicable
Application version
Login date and time
Usage logs
Session information
Crash reports
Diagnostic information
Security-related information

This information helps us maintain the security, stability, functionality, and performance of the Platform.

2. HOW WE USE YOUR INFORMATION

We may use the information we collect for the following purposes.

Account Management

Create and manage your account.
Authenticate your identity.
Manage your subscription.
Maintain your user profile.
Provide access to available digital services.
Maintain account records.

Identity Verification

Verify identity and KYC information.
Verify information submitted during registration.
Prevent fraudulent or unauthorised account activity.
Meet applicable legal and regulatory requirements.

Digital Services

We may use your information to provide and manage services such as:

Mobile recharge
DTH recharge
FASTag recharge
Electricity-related services
Water-related services
Gas-related services
Broadband-related services
Landline-related services
Credit card-related services
Online shopping
Flight booking
Bus booking
Train booking
Hotel booking
Holiday packages
Tours and travel services
Digital wallet services
Rewards and eligible benefits

Transaction Management

Information may be used to:

Process service requests;
Maintain transaction records;
Confirm transaction status;
Handle reversals or refunds where applicable;
Resolve transaction-related issues;
Maintain account and service history.

Security and Fraud Prevention

We may use information to:

Detect suspicious activity;
Prevent unauthorised account access;
Identify fraudulent activity;
Protect users and the Platform;
Investigate security incidents;
Maintain the integrity of our systems.

Customer Support

We may use your information to:

Respond to enquiries;
Resolve complaints;
Investigate service-related issues;
Provide technical assistance;
Communicate important account information.

Platform Improvement

We may use information to:

Improve website and application functionality;
Analyse Platform performance;
Identify technical problems;
Improve user experience;
Develop and improve digital services.

Legal and Regulatory Requirements

We may process information to:

Comply with applicable laws;
Meet regulatory requirements;
Respond to lawful requests from authorities;
Respond to court orders or legal processes;
Maintain records required for legal, tax, accounting, security, or regulatory purposes.

3. LEGAL BASIS FOR PROCESSING

We process personal information only for lawful and legitimate purposes.

Depending on the circumstances, processing may be based on:

Your consent;
Your request to access or use our digital services;
Providing and administering requested services;
Compliance with applicable legal or regulatory requirements;
Fraud prevention and security;
Protection of our rights, users, systems, and services;
Other lawful purposes permitted under applicable law.

Where processing requires consent, you may have the right to withdraw your consent, subject to applicable law.

Withdrawal of consent may affect our ability to provide certain services where the relevant information is necessary for providing those services.

4. INFORMATION SHARING AND DISCLOSURE

We respect your privacy and do not sell or rent your personal information as a business practice.

We may share information that is reasonably necessary with trusted third parties and service providers for legitimate purposes, including:

Banks and financial service providers, where relevant;
KYC and identity verification agencies;
Recharge and digital service providers;
Utility service providers;
BBPS or other authorised service networks, where applicable;
Shopping and merchant partners;
Travel service providers;
Airlines and travel operators;
Bus, train and hotel service providers;
Technology and cloud service providers;
Customer support providers;
Fraud prevention and security service providers;
Professional advisers and auditors;
Government and regulatory authorities;
Courts and law enforcement agencies where legally required.

We seek to limit information shared with third parties to information reasonably necessary for the relevant purpose.

Third-party service providers may process information according to their own applicable terms, contractual obligations, and privacy policies.

5. DIGITAL WALLET INFORMATION

Where MyRewardsPay provides digital wallet functionality, we may maintain information relating to:

Wallet account details;
Wallet balance;
Wallet credits;
Wallet debits;
Wallet history;
Service-related wallet activity;
Reward-related wallet activity;
Other authorised wallet activities.

Wallet-related information may be used to maintain account records, provide requested services, resolve disputes, prevent misuse, and maintain accurate service history.

6. REWARDS AND BENEFITS INFORMATION

Where MyRewardsPay provides rewards, cashback, loyalty benefits, promotional benefits, or similar programmes, we may process information relating to:

Eligible transactions;
Reward points;
Reward balances;
Reward history;
Eligibility;
Redemption activity;
Promotional participation;
Special offers;
Festive offers;
Other eligible benefits.

All rewards and benefits are subject to applicable terms, eligibility requirements, and Company policies.

7. DATA SECURITY

MyRewardsPay takes reasonable technical and organisational measures designed to protect personal information against:

Unauthorised access;
Unauthorised disclosure;
Misuse;
Alteration;
Loss;
Destruction;
Security threats.

Depending on the nature of the information and applicable requirements, security measures may include:

Secure data transmission;
Access controls;
Authentication mechanisms;
Password protection;
Role-based access controls;
Secure server infrastructure;
Monitoring and logging;
Security monitoring;
Backup and recovery procedures;
Confidentiality obligations for authorised personnel and service providers.

Although we take reasonable measures to protect your information, no internet-based system or electronic storage system can be guaranteed to be completely secure.

8. PASSWORDS, OTPs AND ACCOUNT SECURITY

You are responsible for maintaining the confidentiality of your:

Password;
OTP;
Login credentials;
PIN;
Other authentication information.

You should never share your password, OTP, PIN, or authentication credentials with another person.

MyRewardsPay will not intentionally ask you to disclose your OTP, password, PIN, or complete confidential credentials through an unsolicited communication.

If you suspect unauthorised access to your account, you should contact MyRewardsPay support immediately.

9. COOKIES AND SIMILAR TECHNOLOGIES

MyRewardsPay may use cookies and similar technologies to:

Maintain secure login sessions;
Remember user preferences;
Improve website functionality;
Analyse website usage;
Improve Platform performance;
Enhance user experience;
Support security and fraud prevention.

You may manage or disable cookies through your browser or device settings.

Disabling certain cookies may affect the functionality or availability of some Platform features.

10. DATA RETENTION

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

Providing digital services;
Maintaining user accounts;
Processing transactions;
Maintaining wallet records;
Managing rewards;
Meeting legal and regulatory requirements;
Maintaining business records;
Preventing fraud;
Resolving disputes;
Providing customer support;
Enforcing our agreements and policies.

Certain information may be retained for longer periods where required by applicable law, regulatory requirements, tax or accounting obligations, fraud prevention, dispute resolution, or legitimate business requirements.

When personal information is no longer required, we may securely delete, destroy, or anonymise it, subject to applicable legal requirements.

11. USER RIGHTS

Subject to applicable law, users may have rights concerning their personal information, including the right to:

Request access to personal information;
Request correction of inaccurate information;
Request updating of certain information;
Request deletion of personal information where legally permissible;
Withdraw consent where processing is based on consent;
Raise a complaint or grievance regarding the processing of personal information;
Exercise other rights available under applicable data protection laws.

Certain information may need to be retained where required by law or where another lawful basis for retention applies.

We may request reasonable information to verify your identity before processing certain privacy-related requests.

12. KYC INFORMATION AND ACCOUNT DETAILS

Information submitted during registration and KYC verification may be subject to verification and compliance procedures.

For security, fraud prevention, regulatory, and operational reasons, certain KYC or account information may not be directly editable through the Platform.

Where correction or modification is legally permissible, users may contact our support or grievance channel with appropriate supporting information.

We may verify the identity of the requester before making any changes.

13. THIRD-PARTY SERVICES AND LINKS

MyRewardsPay may integrate with or provide access to third-party services for purposes such as:

Recharge services;
Utility services;
Shopping;
Travel bookings;
Hotel bookings;
Transportation services;
KYC verification;
Digital service fulfilment;
Customer support;
Other services available through the Platform.

Third-party websites, applications, and service providers may have their own privacy policies and terms.

MyRewardsPay is not responsible for the privacy practices of independent third parties outside our control.

Users are encouraged to review the applicable privacy policies before providing personal information to third-party services.

14. CHILDREN'S PRIVACY

MyRewardsPay is intended for individuals who are legally permitted to use the relevant services.

Unless otherwise permitted by applicable law, MyRewardsPay does not knowingly seek to collect personal information from children in circumstances where such collection is prohibited.

If we become aware that personal information has been collected from a child in violation of applicable requirements, we will take appropriate steps as required by law.

15. MARKETING AND PROMOTIONAL COMMUNICATIONS

Where permitted by law and, where required, with your consent, MyRewardsPay may send:

Service notifications;
Transaction alerts;
Subscription reminders;
Reward notifications;
Promotional offers;
Festive offers;
Platform updates;
Business announcements;
Information regarding new digital services.

Users may opt out of promotional communications through the available unsubscribe mechanism or by contacting us.

Essential communications relating to account security, transactions, services, KYC, availability, or legal notices may continue where necessary.

16. FRAUD PREVENTION AND RISK MANAGEMENT

We may analyse account, device, login, and transaction information to identify and prevent:

Fraudulent activity;
Unauthorised account access;
Account takeover attempts;
Suspicious activity;
Misuse of promotional offers;
Abuse of Platform services;
Other activities that may threaten the security or integrity of the Platform.

Where necessary, we may temporarily restrict, suspend, or review an account or transaction for security, verification, fraud prevention, or compliance purposes.

17. INTERNATIONAL DATA TRANSFERS

Certain technology, cloud, support, verification, or other service providers may process or store information outside India.

Where personal information is transferred or processed outside India, we will take reasonable steps to comply with applicable legal requirements and implement appropriate safeguards where required.

18. DATA BREACHES AND SECURITY INCIDENTS

If we become aware of a personal data breach or security incident affecting personal information, we will take reasonable steps to:

Investigate the incident;
Contain and mitigate the incident;
Assess potential risks;
Take appropriate corrective measures;
Notify relevant authorities where required;
Notify affected individuals where required by applicable law.

19. USER RESPONSIBILITIES

Users are responsible for:

Providing accurate and complete information;
Keeping account credentials confidential;
Not sharing passwords, OTPs, PINs, or authentication credentials;
Using official MyRewardsPay channels;
Maintaining appropriate device security;
Promptly reporting suspected unauthorised account access;
Not providing false or misleading information;
Following applicable Platform terms and security instructions.

20. GRIEVANCE REDRESSAL

If you have any questions, concerns, complaints, or requests regarding this Privacy Policy or the handling of your personal information, you may contact our Grievance Officer.

Grievance Officer: Krishna
Mobile: +91 9000363065
Email: support@myrewardspay.com

Please include sufficient information regarding your concern so that we can investigate and respond appropriately.

We will make reasonable efforts to acknowledge and address complaints within the applicable timelines prescribed by law.

21. CONTACT US

For questions, privacy requests, complaints, or other concerns relating to MyRewardsPay, please contact:

MyRewardsPay
Operated by NR12 Brands Marketing Private Limited

Website: www.myrewardspay.com
Email: support@myrewardspay.com

22. CHANGES TO THIS PRIVACY POLICY

We may update or modify this Privacy Policy from time to time to reflect:

Changes to our digital services;
Changes to technology;
Changes to our business practices;
Changes to security measures;
Changes to applicable laws or regulations.

Any revised version will be published on www.myrewardspay.com and will display an updated "Last Updated" date.

Where required by applicable law, we may provide additional notice regarding material changes.

Your continued use of the Platform following the effective date of an updated Privacy Policy will be subject to the updated policy, to the extent permitted by applicable law.

23. GOVERNING LAW

This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws of India.

Nothing in this Privacy Policy is intended to limit or exclude any mandatory rights or protections available to users under applicable law.

24. CONSENT AND ACKNOWLEDGEMENT

By registering, accessing, or using MyRewardsPay, you acknowledge that you have read and understood this Privacy Policy.

Where consent is required, you consent to the collection, use, processing, storage, and sharing of your personal information for the purposes described in this Privacy Policy and in accordance with applicable laws.

Where processing is based on consent, you may withdraw consent subject to applicable law. Withdrawal of consent may affect our ability to provide certain digital services where the relevant information is necessary for those services.

Contact Information