Privacy Policy

At LKG Infosolutions Private Limited, accessible from https://bhugtan.in, one of our highest priorities is the privacy of our users and visitors. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the rights you have regarding your personal data.

If you have any questions or require further information, please contact us at:

noreply@BHUGTAN.IN

This Privacy Policy applies only to online activities and is valid for users accessing our website and services. It does not apply to information collected offline or through channels other than this website.

Consent

By using our website and services, you hereby consent to our Privacy Policy and agree to its terms.

Information We Collect

We may ask you to provide personal information, and the reason will always be clear at the point where it is requested.

Information you may provide directly includes:

Information collected when you register an account:

Information we may automatically collect:

Service-Specific Data:

1. Utility Payments

We may collect:

  • Consumer ID
  • Biller details
  • Account/connection information
  • Payment history

2. FASTag Payments

We may collect:

  • FASTag ID
  • Vehicle number
  • Issuing bank details
  • Recharge value and history

3. Gift Card Sales

We may collect:

  • Delivery email/mobile number
  • Brand selection
  • Gift card purchase history

How We Use Your Information

We use your data in the following ways:

  1. Provide, operate, and maintain our website and services
  2. Process your transactions securely (Utility, FASTag, Gift Cards, etc.)
  3. Personalize and improve your experience
  4. Understand how users interact with our website
  5. Develop new features, services, and enhancements
  6. Communicate with you directly or through partners for:
    • Customer service
    • Support requests
    • Transaction updates
    • Marketing and promotional purposes (optional)
  7. Prevent fraud and suspicious transactions
  8. Comply with legal, regulatory, and auditing requirements

Log Files

Like most digital platforms, LKG uses log files. These files log visitors when they access the website. The information includes:

This data is used for analytics, security, and improving user experience. It is not linked to personally identifiable information.

Cookies and Web Beacons

LKG uses cookies to store:

Cookies help optimize and personalize the user experience.

You can disable cookies through browser settings; however, some website features may not function properly.

Third-Party Services

We may share data with trusted third-party partners such as:

All partners are contractually bound to maintain confidentiality and data security.

LKG does not sell or trade any user data.

Third-Party Advertising Policies

We may work with third-party advertisement or marketing tools (if used). These partners may use cookies or tracking technologies.

LKG has no control over third-party cookies.

Users may refer to the respective third-party privacy policies for opt-out options.

Service-Specific Privacy Sections

A. Utility Payments -- Privacy Terms

When you use LKG for utility/bill payments, we may collect:

  • Consumer ID
  • Account number
  • Biller category
  • Payment value
  • Transaction logs

We use this information to:

  • Fetch bills
  • Process payments
  • Generate confirmations
  • Resolve disputes

This data may be shared with:

  • Biller systems
  • BBPS
  • NPCI
  • Payment partners

We do not retain bill data longer than required by regulation.

B. FASTag Payments -- Privacy Terms

For FASTag-related payments, we may collect:

  • FASTag ID
  • Vehicle number
  • Issuer bank
  • Recharge information

We use this data to:

  • Recharge FASTag
  • Validate wallet/account
  • Generate transaction receipts

We share FASTag data only with:

  • Issuing banks
  • NPCI mapper
  • Toll operators (when applicable)

We do not track live locations or vehicle movement.

C. Gift Card Sales -- Privacy Terms

When you purchase a gift card on LKG, we may collect:

  • Delivery email or phone number
  • Brand name
  • Purchase history

We use this information for:

  • Generating gift cards
  • Sending vouchers
  • Validating transactions

We never store full gift card codes after they are delivered.

User Rights

As a user, you have the right to:

We will respond to requests within 30 days.

Data Retention

We retain data for as long as:

After that, your data is safely deleted or anonymized.

Security

We use secure and industry-standard security measures:

We take all reasonable steps to protect your information.

Policy Updates

We may update this Privacy Policy periodically.

Users will be notified of major changes via:

Contact Us

If you have any questions or wish to exercise your rights:

👤 Grievance Officer: Vijay Uppal

📞 Phone: 9829063598

📧 Email: noreply@BHUGTAN.IN

📍 Address: 19 - 2nd Floor, Mukhrjee Nagar, Sriganganagar, Rajasthan - 335001

We aim to respond within 72 hours.

PAGE 1 --- Privacy Policy for Utility Payments

Privacy Policy -- Utility Payments

LKG Infosolutions Private Limited

Last Updated: 22nd Nov 2025

At LKG Infosolutions Private Limited, we are committed to protecting your privacy when you use our utility bill payment services on our website https://bhugtan.in. This Privacy Policy explains how we collect, use, store, and safeguard your information when you transact using our utility services, including electricity, water, gas, broadband, telecom, DTH, EMI payments and other bill categories supported under digital payment frameworks.

1. Consent

By accessing or using our utility payment services, you acknowledge that you have read, understood and agreed to the terms outlined in this Privacy Policy. Continued use of the service constitutes acceptance of the practices described herein.

2. Information We Collect

When you process a utility payment through our platform, we may collect certain personal and transaction-related details. This includes your name, mobile number, email address and the information needed to process your bill, such as your consumer ID, connection number, provider name and billing cycle details that may be retrieved through the biller network. We also collect transaction-level payment identifiers such as payment reference numbers, bank response codes and timestamps. We do not store sensitive banking details, such as full card numbers, CVV, UPI PINs or passwords. Additionally, we collect certain technical data automatically, including IP address, browser information, device type, session IDs and cookies to improve service performance and stability.

3. How We Use the Information

The information collected is primarily used to perform the service you request, including fetching bills, verifying details, enabling payment processing, and sharing confirmations or receipts. We may also use the information to resolve disputes, assist in customer support, analyze service performance, ensure compliance with applicable regulations, prevent fraud and unauthorized transactions, and enhance or update platform features.

4. Sharing of Information

To deliver the service, certain transaction details may be shared only with regulatory or operational partners such as BBPS (Bharat BillPay), NPCI, banks, payment aggregators and service providers. Communication-related details may be shared with SMS or email gateway partners exclusively for delivering notifications and status updates. We do not sell, trade, or rent user information to marketing agencies, advertisers or unrelated third parties.

5. Cookies and Tracking

Our website uses cookies and similar tracking technologies to support login sessions, personalize the experience, provide faster loading, and understand site usage. You can choose to disable cookies through browser settings, though some features may not function properly without them.

6. Data Retention and Security

We retain data only for as long as required for regulatory, reconciliation, operational, or compliance purposes. All stored data is encrypted and protected with layered security infrastructure including SSL, access control, firewall protection and regular security reviews. Only authorized personnel have controlled access to sensitive transaction records.

7. Your Rights

Depending on applicable law, you may request access to your stored information, request corrections where inaccurate, or request deletion where permissible under legal retention mandates. You may also withdraw consent for non-essential communication preferences.

8. Children's Privacy

Utility payment services are intended for adults. We do not knowingly collect or maintain information from anyone under the age of 18. If such data is identified, we will delete it promptly.

9. Contact Information

For questions, requests or complaints, please contact:

📩 Email: noreply@BHUGTAN.IN

📞 Phone: 9829063598

👤 Grievance Officer: Vijay Uppal

PAGE 2 --- Privacy Policy for FASTag Payments

Privacy Policy -- FASTag Services

LKG Infosolutions Private Limited

Last Updated: 22nd Nov 2025

This Privacy Policy explains how LKG Infosolutions Private Limited collects, stores, manages and protects information submitted by users while using FASTag recharge and related services available on our website.

1. Consent

By continuing to use our FASTag recharge services, you consent to this Privacy Policy and agree to allow processing of your information strictly for operational and regulatory needs.

2. Information We Collect

To process FASTag recharges, we collect your name, mobile number and email address. We also collect FASTag-specific details including vehicle registration number, issuing bank data and FASTag ID. During the transaction, we collect payment information such as bank reference numbers, UPI reference IDs or gateway response codes. Sensitive banking credentials such as card numbers, CVV, UPI PINs or authentication passwords are never stored by us. We may automatically collect system-level metadata including device details, browser type, session logs, IP addresses and cookies to improve fraud protection, audit accuracy and user experience.

3. Use of Information

The information collected is used to validate FASTag identifiers, process recharges, secure payments, send notifications, generate receipts and assist in dispute or failure resolution. We may also analyze the data to improve services, prevent misuse, comply with NPCI/NETC frameworks and update service eligibility and risk controls.

4. Disclosure of Information

To complete the recharge successfully, we share relevant transactional details exclusively with the FASTag issuing bank, NPCI/NETC ecosystem participants, payment processors and communication delivery partners. We do not share or sell your information for advertising, profiling or unrelated third-party marketing.

5. Cookies and Tracking Technologies

Cookies may be used to store user preferences, maintain login sessions, prevent duplicate transactions and enhance speed and performance. You may manage cookie preferences through browser settings.

6. Data Security and Retention

All FASTag-related data is protected using encryption, secure gateway infrastructure and regulatory-grade information security standards. Information is retained only for legally required purposes such as audits, banking compliance, fraud detection and transaction settlement. After the required period, anonymization or deletion procedures are applied.

7. Your Rights

You may request access to your FASTag-related information stored with us, request corrections to inaccurate entries or request deletion where permitted by compliance guidelines. Certain data may not be deleted due to regulatory requirements.

8. Children's Privacy

FASTag services are not intended for minors under 18. Any accidental collection of minor information will be removed upon notification.

9. Contact Information

📩 Email: noreply@BHUGTAN.IN

📞 Phone: 9829063598

👤 Grievance Officer: Vijay Uppal

PAGE 3 --- Privacy Policy for Gift Card Resale

Privacy Policy -- Gift Card Marketplace / Resale

LKG Infosolutions Private Limited

Last Updated: 22nd Nov 2025

This Privacy Policy outlines how LKG Infosolutions Private Limited handles personal data collected while users purchase, receive or redeem digital gift cards through our platform.

1. Consent

By accessing gift card features on our platform, you confirm your consent to the terms of this Privacy Policy and authorize us to process your data exclusively to complete the gift card service.

2. Information We Collect

We collect basic identifying details such as mobile number and email address to deliver gift cards digitally. We also collect transaction-level purchase records including denomination, card type, delivery status, timestamp and masked voucher identifiers. For payment completion, we collect payment processing information including transaction references, but we do not retain full card numbers, UPI PINs or sensitive financial credentials. We may also collect browser type, device identifiers, IP address and cookie-based session data to support fraud prevention and order fulfilment accuracy.

3. Use of Information

Your information is used to generate and deliver digital gift cards, verify orders, process payments, track delivery, assist in customer support requests, prevent misuse or unauthorized resale, and comply with issuer or regulatory expectations. Certain non-identifiable data may be used to improve service processes and operational efficiency.

4. Sharing of Information

To fulfill your gift card purchase, information may be shared with the issuing gift card provider, authorized aggregator networks, payment gateway partners and notification providers such as SMS or email delivery platforms. No personal data is sold to third parties for advertising, bulk marketing or profiling.

5. Cookies and Tracking

Cookies may be used to support checkout processes, auto-fill delivery information, maintain secure login and improve cart and product browsing functionality. You may disable cookies; however, doing so may limit service use or ordering capability.

6. Data Protection and Retention

We use encryption, tokenization and secure cloud storage systems to safeguard your information. Gift card codes are not retained after delivery. Purchase and transaction history is stored only as long as required under audit, regulatory or dispute compliance cycles.

7. User Rights

You may request access to your stored purchase records, request modifications to incorrect contact details or request deletion of your account depending on legal allowances. Due to digital value and security considerations, deletion or alteration of gift card delivery history may have limitations and will be assessed case-by-case.

8. Children's Privacy

Gift card services are not directed toward children below 18. We do not knowingly collect information from minors.

9. Contact Information

📩 Email: noreply@BHUGTAN.IN

📞 Phone: 9829063598

👤 Grievance Officer: Vijay Uppal