Privacy Policy of Centra Pay

Centratech Infosolution Private Limited, a company registered under the Companies Act, 2013, having its registered office at 3rd Floor, B/109, BL No.305.

Seven Leaf Arcade. Dhamdod Lumbha Road, Dhamdod Lumbha, Baben, District Surat, Gujarat (hereinafter referred to as the “Company”, “we”, “us” or “our”), owns and operates the website www.centrapay.in and its mobile applications (collectively referred to as the “Website” or “Application”).

The Company is engaged in providing a secure and digital platform for utility bill payments, mobile and DTH recharges, education fee collections, insurance premium payments, and other digital payment services for individuals and businesses in India (hereinafter referred to as the “Services”).

For the purpose of this Privacy Policy, “You”, “Your”, or the “User” shall mean any individual or entity who accesses or uses the Website/Application and avails the Services.

Please read this Privacy Policy carefully before using Centra Pay or submitting any personal information. By using Centra Pay, it shall be deemed that You expressly consent to the collection, use, and disclosure of Your information as described herein.

1. Links to Other Websites

This Privacy Policy governs the information collected through Centra Pay’s Website and Application. However, our platform may contain links to third-party websites or applications.
Centra Pay is not responsible for the content, security, or privacy practices of these external sites. Users are advised to review the privacy policies of such third-party platforms before accessing them.

2. Competency to Contract

By agreeing to this Privacy Policy, a User represents that they are at least 18 years of age and competent to contract under applicable Indian laws.
If the User is registering or transacting on behalf of a company, firm, or organization, they confirm that they are duly authorized to bind such entity to this Privacy Policy.
Users below the age of majority must not use the Website or share any personal information.

3. Collection of Information

Centra Pay may collect and process the following types of information (“User Information”) for providing Services:

3.1 Information provided by the User:

Users may be required to submit personal and business details, including but not limited to:

• Full name, company name, and contact details

• Address, email address, and mobile number

• Identification details such as PAN, Aadhaar, GST, or business registration

• Payment or banking information (as required for transactions)

• Communication records, feedback, or service requests

3.2 Information automatically collected:

When you visit or use Centra Pay, we may automatically collect:

• IP address, device ID, browser type, and operating system

• Time zone, access duration, and location data (if permitted)

• Usage statistics such as pages viewed, time spent, and interactions on the Website/Application

3.3 Information from other sources:

We may receive information from verified third-party partners, payment processors, or analytics tools, as permitted by law, to improve functionality and user experience.

4. Usage of User Information

User Information may be used for the following purposes:

• Facilitating and completing bill payments, recharges, and related services

• Sending payment confirmations, receipts, and notifications

• Detecting and preventing fraud, misuse, or illegal activity

• Improving customer support, service quality, and platform functionality

• Conducting analytics, audits, and internal compliance checks

• Sending product updates, offers, and service-related communications

• Maintaining transaction history for legal and accounting purposes

By using Centra Pay, Users consent to receive transactional messages, service alerts, and promotional communications via SMS, WhatsApp, email, or phone.

5. Data Analytics & Improvement

Centra Pay may analyze anonymized and aggregated data for:

• Usage statistics, performance benchmarking, and service optimization

• Developing new products and enhancing platform features

• Geographic and demographic analysis to improve user experience

Users may opt out of non-essential data analytics by contacting info@centrapay.in.

6. Storage of User Information

All User Information is stored on secure servers in accordance with applicable Indian data protection laws.
By using Centra Pay, you consent to such data collection, storage, and processing as required to deliver Services.

7. Dissemination of User Information

User Information may be shared only under lawful and secure conditions with:

• Payment gateways, billers, and trusted third-party vendors essential for providing Services

• Legal, tax, or regulatory authorities when required by law

• Technology partners assisting with hosting, analytics, or customer support

• Business associates, investors, or affiliates, in case of restructuring or merger

Non-personal, anonymized data may be shared for research and statistical purposes.

8. Service Providers

Centra Pay may employ third-party service providers for:

• Payment and transaction processing

• Cloud hosting and IT infrastructure

• Customer support and technical maintenance

• Communication (SMS, email, WhatsApp) and analytics

These partners access limited User Information only to fulfill their assigned functions and are bound by confidentiality agreements.

9. Information Security

Centra Pay adopts industry-standard security measures, including encryption, firewalls, and secure socket layer (SSL) protocols to protect User Information from unauthorized access, alteration, or disclosure.
While we take all reasonable precautions, Users acknowledge that transmission of data over the internet carries inherent risks, and Centra Pay shall not be liable for breaches beyond its control.

10. Retention of User Information

User Information is retained as long as your account remains active or as required to comply with applicable laws.
Upon account closure, data may still be preserved for legal, audit, or regulatory obligations before secure deletion.

11. Disclosure Policy

Centra Pay may disclose User Information:

• When required to comply with legal processes or government requests

• To enforce terms, prevent fraud, or respond to security incidents

• To protect our rights, property, and the safety of users or the public

All disclosures are made strictly in accordance with Indian IT Act, 2000 and its relevant rules.

12. Cookies & Tracking

Centra Pay uses cookies and similar technologies to:

• Enhance navigation and personalize experience

• Remember preferences and login sessions

• Analyze traffic patterns and improve site performance

Users can disable cookies through browser settings, though some features may be limited.

13. Contact Details

For any questions or concerns regarding this Privacy Policy, please contact:

Centratech Infosolution Private Limited
📍3rd Floor, B/109, BL No.305.

Seven Leaf Arcade. Dhamdod Lumbha Road, Dhamdod Lumbha, Baben, District Surat, Gujarat

👤 Contact Person: Hirenbhai Trada
📞 8460191663
✉️ info@centrapay.in

14. Grievance Redressal

In accordance with the Information Technology Act, 2000 and its rules, the Grievance Officer is designated as:

Mr. Hirenbhai Trada
✉️ info@centrapay.in
📞 8460191663

Users can contact the Grievance Officer for concerns related to privacy, data usage, or rights under this policy.

15. Scope of Policy

This Privacy Policy applies exclusively to the Website, Mobile Application, and Services operated by Centratech Infosolution Private Limited.
It does not extend to any third-party services, links, or external websites accessed via Centra Pay.

16. Updates to Privacy Policy

Centra Pay may modify this Privacy Policy from time to time. Updated versions will be posted on the Website with a revised “Effective Date.”
Continued use of the Services constitutes acknowledgment and acceptance of any such changes.

17. User Declarations

By using Centra Pay, the User acknowledges that:

• They understand and consent to the collection and processing of their data.

• They are aware of the purpose and potential recipients of such information.

• They may decline to share information but doing so may limit access to certain Services.

• They have read and understood this Privacy Policy in full.

18. Disclaimer

While Centra Pay implements robust security protocols, we shall not be liable for any unauthorized disclosure or misuse of User Information arising from hacking, network issues, or events beyond our reasonable control.
Use of the platform implies acceptance of such inherent risks associated with online transactions.