KaroPe operates the KaroPe mobile application for prepaid mobile recharges and wallet payments. This policy explains what personal information we collect, why we collect it, and the choices you have. By creating an account you agree to the practices described here.
1. Information You Give Us
When you register we collect your full name, date of birth, email address, mobile number, postal address, PIN code, and an optional profile photograph. Your mobile number is verified by a one-time password before an account is created. You must be at least 18 years old to hold a KaroPe account.
2. Information We Collect Automatically
We record your recharge and wallet activity, including amounts, operator, circle, transaction status, cashback earned, and timestamps. We also store a device notification token so we can send you transaction alerts. We do not collect your contacts, photos, precise location, or the contents of your messages.
3. Payment Information
Card, UPI, and net-banking details are collected and processed directly by our payment gateway partner, Razorpay. KaroPe does not receive or store your full card number, CVV, UPI PIN, or banking credentials. We retain only the payment reference issued by the gateway and the outcome of the payment.
4. How We Use Your Information
We use your information to create and secure your account, to carry out recharges you request, to maintain your wallet balance and cashback ledger, to send transaction and support notifications, to respond to support tickets you raise, to detect fraud and misuse, and to meet our legal and tax obligations.
5. Who We Share It With
We share the minimum necessary information with our recharge fulfilment partner, to deliver the recharge to your operator; our payment gateway, to process payments and refunds; our SMS provider, to deliver one-time passwords; and Google Firebase, to deliver push notifications.
We also disclose information where required by law, court order, or a lawful request from a government authority. We do not sell your personal information.
6. Data Retention
Account information is retained while your account is active. Transaction and wallet records are retained for as long as required under applicable tax and financial record-keeping rules, even after account closure. Notification tokens are deleted when you log out or uninstall the app.
7. Security
Access to your account is protected by OTP verification and an expiring session token. We apply reasonable technical and organisational safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Please keep your OTP confidential. Our staff will never ask you for it.
8. Your Rights
You can view and update your name, date of birth, email, address, PIN code, and profile photograph from the Profile screen at any time.
Your registered mobile number cannot be changed once verified. You may request deletion of your account by raising a support ticket in the app. Records we are legally required to keep will be retained even after deletion.
9. Children
KaroPe is not intended for anyone under 18. We do not knowingly collect information from children. If we learn that we have collected information from a person under 18, we will delete it.
10. Changes To This Policy
We may update this policy from time to time. The revised policy takes effect when it appears in the app, and the date above will be updated. Continuing to use KaroPe after a change means you accept the revised policy.
11. Contact Us
For any question about this policy or your data, raise a ticket from the Support screen in the app, or write to us at info.karope@gmail.com.