Privacy Policy
NEXWIK PRIVATE LIMITED (“Nexwik”, “we”, “us”) publishes this Privacy Policy as an electronic record under the Information Technology Act, 2000. It is also framed with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023, and the other Indian laws that apply to a recharge, bill-payment, payout and travel platform. No physical or digital signature is required for this record to take effect. The policy sits together with our Terms and Conditions and our Refund and Cancellation Policy, and it covers the Nexwik website, mobile application and related services.
If you open the platform, create an account, or complete a transaction, you confirm that you have gone through this policy and accept it. That use is also your consent for us to collect, keep, process, use and, where this policy allows, share your personal data. Consent that the law treats as optional can be withdrawn by writing to us. Withdrawal does not undo processing already carried out, and it does not override a record we must keep for tax, anti-money-laundering, payment reconciliation or an open dispute.
Please read the full policy before you register or pay. Continuing to use the website or the app means you accept this statement. If you do not accept it, do not register, do not submit a payment, and leave the platform.
Use of a Nexwik service is agreement to the handling of personal data described below. You may ask us to stop optional processing at any time. We will honour that request except where a statute, a bank instruction, a BBPS rule or a contract still requires the data to be held.
User information
Some services on the website and the app are available only after registration. Depending on the product, we may ask for your name, email address, mobile number, gender if you choose to give it, age or date of birth, postal or PIN code, a password that you set, and occupation or similar profile details. Bill payment, FASTag, payout and travel booking may also need a consumer number, vehicle or tag detail, beneficiary account or UPI ID, or passenger information. These fields let us complete the instruction you give, keep the account secure, and make the site and app easier to use.
Each product asks only for what that product needs. We may use the details you provide to run, administer, improve and protect the services, to prevent misuse, and to design related features. We do not treat information that is already public, or that has been released under the Right to Information Act, 2005 or another law in force, as sensitive personal data merely because it also appears in our records.
Card numbers, CVV, UPI PIN and net-banking passwords are not collected or stored by Nexwik. Those credentials are entered on the page or app of your bank or of an authorised payment service provider.
Cookies
We may place cookies or similar tools so that a browser or device can be given a random identifier. That identifier helps the site and the app remember a session, measure traffic, and respond more quickly. A cookie by itself does not tell us who you are. We can relate it to you only after you identify yourself, for example by signing in or by asking us to contact you. A cookie cannot read files stored on your hard drive.
Our advertising or payment partners may set their own cookies if you follow a link or complete a checkout on their page. Those cookies are outside our control and are governed by the partner’s own notice. Our servers also log technical connection data, including the IP address used to request a page. An IP address is a network number used to route traffic; on its own it does not name you. We use it to serve the page you asked for, to see which regions use the service, to understand aggregate interest, and to investigate fraud or abuse.
Links to other sites
This policy describes only the Nexwik website and mobile application. Pages may contain links to billers, banks, travel suppliers or other third-party sites that we do not operate. Once you leave our platform, their privacy terms apply. We are not responsible for how those sites collect or use information, and you agree not to hold Nexwik liable for your use of them.
Information sharing
Personal data is shared only as far as the purpose requires, and receivers are expected to keep it confidential. We may disclose it:
- when a law, court, regulator, tax authority or law-enforcement request obliges us to do so;
- to banks, authorised payment service providers, BBPS operating units, billers, and travel suppliers, so that the recharge, bill, payout or booking you asked for can be completed;
- to hosting, SMS, email and KYC vendors who process data only on our instructions; and
- where disclosure is needed to detect or stop fraud, a security incident, or misuse of the platform.
We do not sell personal data.
Data retention
Personal data is kept only for as long as the purpose of collection still exists. That period includes the time needed for legal, regulatory, tax, accounting, fraud-prevention and reporting duties. Payment and KYC records are ordinarily retained for at least five years from the transaction or the end of the relationship, and longer if a dispute or investigation is open. When the period ends, the data is deleted, anonymised, or otherwise disposed of in line with applicable law.
Information security
We apply safeguards intended to reduce the risk of unauthorised access, alteration, disclosure or destruction. Those safeguards include restricted physical and system access, encryption in transit, password-controlled entry to production systems, and periodic review of how data is collected and stored. Information gathered through the website and the app is held on access-controlled infrastructure behind a firewall.
No safeguard is absolute. We cannot promise that a transmission over the internet, or the that receives it, will never be interfered with. Anything you post in a public forum on the internet can be read by others. The network environment changes, and we may revise this policy when the service or the law changes. Information already collected will continue to be handled under the policy that was in force when it was collected, unless a newer law requires a different treatment and we notify you where that law says we must.
Grievance redressal
A complaint about content on the platform, about the handling of your personal data, or about a breach of these terms should be sent promptly to the grievance officer named below. Please write, or email with an electronic signature where you are able to add one, so that the request can be verified. The desk is attended from 9:30 a.m. to 6:30 p.m. on working days.
Email: info.nexwik@gmail.com Support: support.nexwik@gmail.com
Helpline: [+918527361996]
We will acknowledge a complaint within 48 hours and aim to close it within 15 working days, or sooner if a payment-system or consumer rule sets a shorter time.
Governing law and jurisdiction
This Privacy Policy is governed by the laws of India. Disputes arising from it are subject to the exclusive jurisdiction of the competent courts at New Delhi, Delhi, without affecting any remedy you may have before a consumer commission or the Data Protection Board of India.
