This Privacy Policy explains how Fintech International Pvt. Ltd. ("we", "us", or "our") collects, uses, stores, and protects your information when you use our mobile application ("App") and services including wallet top-up, bus search, ticket payments, and account management features.
By using our App, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
1.1 Personal Information
We may collect the following personal information when you create or update your account:
- Full Name
- Phone Number
- Email Address
- Date of Birth (if provided)
- Profile Photo
- ID Proof (Citizenship, Driving License, Passport, etc.)
- Address Details
1.2 Financial Information
We may collect financial information related to your wallet and transactions, including:
- Wallet balance
- Transaction details
- Linked card information
- Top-up records
We do not store complete card numbers or CVV information. Payment details are securely processed through certified payment gateways.
1.3 Device Information
- Device model and operating system version
- IP address
- Application version
- Crash logs
1.4 Location Information
Location services help us provide better transportation experiences.
- Foreground GPS location for nearby bus stops, route recommendations, and live tracking.
- Background GPS location only when permission is granted for continuous tracking.
Location permissions can be enabled or disabled anytime from your device settings.
1.5 Media Access
- Images for profile photos and identity verification.
- Videos only when manually uploaded by users.
We only access files that you explicitly select.
2. How We Use Your Information
- Create and manage user accounts
- Process wallet top-ups and payments
- Verify user identity (KYC)
- Provide bus tracking services
- Send OTPs and notifications
- Prevent fraud and improve security
- Improve application performance
3. How We Share Your Information
We only share information required to provide our services.
3.1 Payment Service Providers
- eSewa
- FonePay
- Banking partners
- Payment aggregators
3.2 Transport Operators
Limited information may be shared with transport operators for ticket verification and QR payments.
3.3 Government / Legal Authorities
Information may be disclosed when required by applicable laws and regulations.
We do not sell or rent your personal information.
4. Data Storage and Security
We use industry-standard security practices including:
- HTTPS and TLS encryption
- Secure servers
- Restricted access controls
- Data minimization
5. User Rights
- Access your personal data
- Update your information
- Request account deletion
- Withdraw permissions
- Export your data
6. Children's Privacy
Our services are not intended for children under 13 years. We do not knowingly collect information from children.
7. Third-Party Services
- Google Maps
- Payment gateways
- SMS and Email providers
8. Changes to This Privacy Policy
We may update this policy periodically. Updated versions will always display the latest revision date.
9. Contact Us
For any questions regarding this Privacy Policy:
- Email: info@fintechinternational.com.np
- Phone: 01-4537271
- Website: https://fintechinternational.com.np