Privacy Policy

This Privacy Policy explains how Goter Web Private Limited (“we”, “us”, “Goter Pay”) collects, uses, discloses and safeguards your information when you use the Goter Pay mobile application and related services (recharge, DTH, bill payments, BBPS and wallet). By creating an account or using the app, you agree to this Policy.

1. Information we collect

Information you provide

• Account details: name, mobile number, email address and password.
• KYC information: PAN, Aadhaar number (via OTP-based eKYC) and documents you upload, as required by law for financial services.
• Transaction details: recharge/bill numbers, operator, amount and payment method.

Information collected automatically

• Device & usage data: device model, OS version, app version, IP address and log data used for security and troubleshooting.
• Transaction history generated while you use the services.

2. App permissions

• Camera / Photos: only to capture or upload KYC documents. We do not access your gallery for any other purpose.
• Internet / Network state: to connect securely to our servers.
• Phone number (auto-read OTP, where supported): to speed up OTP verification.

3. How we use your information

• To process recharges, bill payments and wallet transactions.
• To verify your identity (KYC) and comply with legal and regulatory obligations.
• To detect, prevent and investigate fraud and misuse.
• To provide customer support and send transaction, security and service notifications.
• To improve the reliability and performance of our services.

4. Sharing of information

We do not sell your personal information. We share it only as needed with:

• Payment gateways (e.g. PayU) to process add-money and payments.
• KYC / verification partners (e.g. Cashfree) to verify PAN and Aadhaar.
• Service providers / operators to fulfil recharge and bill-payment requests.
• Regulators, courts or law-enforcement when required by applicable law.

5. Data security

We use industry-standard safeguards including encrypted transport (HTTPS), access controls and secure storage. Sensitive credentials such as your MPIN are stored in a hashed form. However, no method of transmission or storage is completely secure, and you are responsible for keeping your login and MPIN confidential.

6. Data retention

We retain your information for as long as your account is active and thereafter as required to meet legal, tax, accounting and regulatory obligations. Transaction records may be retained for the period mandated by law.

7. Your rights

• Access and review the personal information in your profile.
• Request correction of inaccurate information.
• Request deletion of your account and associated data, subject to legal retention requirements.

To exercise these rights, contact us using the details below.

8. Children

Goter Pay is intended only for users aged 18 years and above. We do not knowingly collect information from minors.

9. Changes to this Policy

We may update this Policy from time to time. Material changes will be posted on this page with a revised “Last updated” date.

10. Grievance Officer & contact

Last updated: July 14, 2026