Privacy Policy

RVM Solutions ("we", "our", or "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website rvmsolutions.in and our bill payment services (collectively, the "Services"). By accessing or using our Services, you agree to the terms of this Privacy Policy.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information when you register, use our services, or contact us:

• Full name
• Email address
• Phone number
• Postal address
• PAN, Aadhaar, and other KYC-related documents (for identity verification)
• Bank account details (for wallet top-ups and payouts)
• Login credentials (username, encrypted password, MPIN)

1.2 Transaction Information

When you use our bill payment services, we collect details related to your transactions, including:

• Bill payment amounts and payee details
• Transaction IDs, timestamps, and status
• Wallet balance and transfer history
• Service type (electricity, gas, water, broadband, FASTag, etc.)

1.3 Technical Information

We automatically collect certain technical data when you access our website, including:

• IP address and browser type
• Device information and operating system
• Pages visited, time spent, and referring URLs
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process bill payments, wallet transactions, and payouts on your behalf.
• Account Management: To create and manage your account, verify your identity (KYC), and maintain security.
• Communication: To send transaction confirmations, account updates, support responses, and service-related notifications.
• Compliance: To comply with applicable laws, regulations, and legal processes, including RBI and BBPS guidelines.
• Improvement: To analyze usage patterns and improve our platform, features, and user experience.
• Security: To detect, prevent, and address fraud, unauthorized access, and other security issues.

3. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following cases:

• Payment Partners: We share transaction details with our payment gateway partners and BBPS infrastructure providers to process your payments.
• Legal Requirements: We may disclose information when required by law, regulation, court order, or governmental authority.
• Service Providers: We may engage trusted third-party vendors (hosting, email, analytics) who process data on our behalf under strict confidentiality agreements.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• SSL/TLS encryption for all data in transit
• Encrypted storage of sensitive data (passwords, MPIN, bank details)
• Role-based access controls and audit logging
• Regular security assessments and vulnerability scanning

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

5. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience, remember your preferences, and gather analytics. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain features of our website.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. We also retain data as necessary to comply with legal obligations, resolve disputes, and enforce our agreements. Transaction records are retained for a minimum of 5 years as per regulatory requirements.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your account and personal data, subject to legal retention requirements.
• Withdrawal of Consent: Withdraw consent for data processing at any time (this may affect service availability).

To exercise any of these rights, please contact us at info@rvmsolutions.in.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to read the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal data, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

• Email: info@rvmsolutions.in
• Phone: +91 9492537251
• Address: 7-31, Venkatapuram, Sirvel, Nandyal, Andhra Pradesh, India - 518510