bpaynepal - Privacy Policy

bpaynepal ("we," "our," "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our services. By using BPAY Nepal, you agree to the terms of this Privacy Policy.

bpaynepal is powered by Yatra Dev Private Limited

bpaynepal is designed primarily for global Nepali citizens living abroad who wish to pay bills, recharge services, and make payments in Nepal securely and conveniently.

1. Information We Collect

When you use bpaynepal, we may collect the following information:

• Personal Information: Name, email address, phone number, and billing details provided during registration or transactions.
• Payment Information: Card details are processed securely through CyberSource (powered by Visa). We do not store your card information on our servers.
• Transaction Data: Payment amount, service provider, transaction ID, and status.
• Technical Data: Device type, IP address, browser type, and usage logs for security and analytics.

2. How We Use Your Information

We use your information to:

• Process and complete your transactions in Nepal from abroad
• Provide customer support and resolve disputes
• Improve our services and user experience
• Comply with legal and regulatory requirements in Nepal and abroad
• Prevent fraud, unauthorized access, and misuse of our platform

3. Payment Security

• All payments are processed through CyberSource payment integration powered by Visa, a globally trusted and PCI DSS-compliant payment processor.
• We do not store or retain your card details. All sensitive payment data is encrypted and handled securely by Visa's network.
• We use bank-grade encryption to protect your personal and transaction data.

4. Transaction Responsibility

You are responsible for ensuring that all payment details (amount, recipient, account number, etc.) are correct before confirming a transaction. If you make a wrong transaction, BPAY Nepal will make reasonable efforts to assist in recovery by contacting the relevant bank or service provider. However, we cannot guarantee recovery of funds.

5. Fees and Charges

• All transactions are subject to applicable service fees, transaction fees, and currency conversion fees.
• Fees are clearly displayed before you confirm your payment.
• Currency conversion is based on the Nepal Rastra Bank (NRB) exchange rate, updated regularly.
• Since BPAY Nepal is used by global Nepali citizens, your local currency will be converted into NPR at the time of payment.

6. Data Sharing

We may share your information with:

• Payment processors (CyberSource/Visa) to complete transactions
• Service providers in Nepal (e.g., telecoms, utility companies, schools) to deliver the services you pay for
• Regulatory authorities in Nepal or abroad if required by law

We do not sell or rent your personal data to third parties for marketing purposes.

7. Data Retention

• We retain your personal and transaction data only as long as necessary to provide services, comply with legal obligations, and resolve disputes.
• Once no longer needed, your data is securely deleted or anonymized.

8. Your Rights (Global Users)

As a global user, you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal and regulatory requirements)
• Opt out of marketing communications at any time
• Request information on how your data is processed across borders

9. Cookies and Tracking

• We may use cookies and similar technologies to improve your experience, analyze usage, and enhance security.
• You can manage or disable cookies in your browser settings, but some features may not function properly.

10. International Users

• BPAY Nepal is designed for Nepali citizens living abroad.
• By using our services, you consent to the transfer and processing of your data in Nepal and other jurisdictions where our service providers operate.
• We comply with Nepalese data protection laws and strive to align with international privacy standards (such as GDPR principles) to protect global users.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website, and the "Effective Date" will be revised. Continued use of BPAY Nepal after changes means you accept the updated policy.

12. Contact Us