1. Introduction
Welcome to NxtRecharge. This Privacy Policy explains how Laraware Private Limited ("NxtRecharge", "we", "us", "our") collects, uses, stores and protects the personal data of users ("you", "User") who access our website at www.nxtrecharge.com.
NxtRecharge provides mobile recharge, DTH recharge and BBPS (Bharat Bill Payment System) bill payment services, along with a free CIBIL credit score check. By registering or using the platform, you consent to the practices described in this Policy.
This Policy complies with the Information Technology Act 2000, the Digital Personal Data Protection Act 2023 (DPDP Act), the IT (Reasonable Security Practices and Sensitive Personal Data) Rules 2011, and applicable RBI guidelines on payment aggregators and intermediaries.
2. Information We Collect
2.1 Information You Provide
- Full name and profile details at registration
- Mobile number (primary account identifier)
- Email address for receipts and notifications
- Saved beneficiary numbers — mobile, DTH subscriber IDs, BBPS consumer numbers
- PAN (only when you use the free CIBIL score feature, with your explicit consent)
- Customer support queries and communications
2.2 Automatically Collected
- Device model, browser and OS details
- Usage analytics — pages visited, features used, session duration
- IP address and approximate city-level location for fraud prevention
- Crash logs and performance diagnostics
2.3 Payment Information
3. How We Use Your Data
3.1 Service Delivery
- Processing mobile recharge, DTH and BBPS bill payment requests
- Sending transaction confirmations via SMS and email
- Crediting your promotional Reward Wallet cashback
- Processing refunds for failed transactions
- Delivering your free CIBIL score check via our licensed bureau partner
3.2 Account & Security
- Account creation, authentication and session management
- Fraud detection, prevention and investigation
- Customer support and dispute resolution
3.3 Legal & Compliance
- Compliance with RBI, NPCI and Income Tax regulations
- Responding to lawful requests from courts or government authorities
- Maintaining transaction records as required by law
4. Legal Basis (DPDP Act 2023)
| Basis | Used For |
|---|---|
| Consent | Optional features, marketing, CIBIL score checks, non-essential collection |
| Contractual Necessity | Executing the recharge or bill payment you requested |
| Legal Obligation | RBI, IT Act and Income Tax compliance |
| Legitimate Interest | Fraud prevention, platform security, service improvement |
5. Data Sharing
We do NOT sell, rent or trade your personal data. We share data only in these limited circumstances:
5.1 Service Partners
- Razorpay for processing payments
- Telecom operators (Jio, Airtel, Vi, BSNL) for recharge execution
- BBPS network and billers/DISCOMs for bill payment
- Our licensed credit bureau partner for the free CIBIL score check
- SMS and email gateway providers for notifications
- Cloud hosting and database providers under signed data processing agreements
5.2 Legal Requirements
- Valid court orders or warrants from competent Indian courts
- Requests from RBI, NPCI, CERT-In or other regulators
- Investigation of fraud or violation of these policies
6. Data Retention
| Data Type | Retention Period | Legal Basis |
|---|---|---|
| Transaction records | 7 years | Income Tax Act / RBI |
| Account information | Account life + 3 years | Consumer Protection Act |
| CIBIL check consent records | 5 years | Bureau compliance |
| Support communications | 3 years | Consumer Protection Act |
| Payment instrument details | Not stored on our servers | PCI-DSS gateway handles |
7. Your Rights (DPDP Act 2023)
- Right to Access: Request a copy of your personal data held by us.
- Right to Correction: Correct inaccurate or outdated personal data.
- Right to Erasure: Request deletion of data — see our User Data Deletion Policy (subject to legal retention requirements).
- Right to Withdraw Consent: Opt out of optional data uses anytime.
- Right to Grievance: File a complaint with our Grievance Officer at info@laraware.com.
To exercise any right, email info@laraware.com. We respond within 30 days.
8. Data Security
- AES-256 encryption for data at rest
- TLS encryption for all data in transit
- PCI-DSS compliant payment processing — card/UPI data never reaches our servers
- Role-based access control — only authorised personnel access personal data
- OTP-based two-factor authentication for account access and transactions
- Regular security audits and vulnerability assessments
9. Children's Privacy
NxtRecharge is strictly for users aged 18 years and above. We do not knowingly collect data from minors. If you believe a minor has registered, email info@laraware.com immediately and we will delete the account within 7 business days.
10. Cookies
For details of cookies used on this website, see our Cookie & Data Policy.
11. Changes to This Policy
- We update the 'Effective Date' at the top of this document whenever this Policy changes.
- Material changes trigger a notification to registered users.
Contact Us
| Legal Entity | Laraware Private Limited |
| Product | NxtRecharge |
| General / Support / Privacy / Grievance | info@laraware.com |
| Phone | +91 0731-462-1515 |
| Registered Address | B-2/64, Vibhutikhand, Gomtinagar, Lucknow, Uttar Pradesh, India, 226010 |
| Jurisdiction | Courts at Lucknow, Uttar Pradesh, India |
Last updated: 15 April 2026. We reserve the right to update this policy at any time. Material changes will be notified to registered users.