Privacy Policy

1 Introduction

Welcome to Dream Recharge. This Privacy Policy explains how Dream Recharge ("we," "us," or "our") collects, uses, stores, and protects your personal information when you use the Dream Recharge mobile application ("App") and our associated services.

By downloading, installing, or using the Dream Recharge App, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with the practices described herein, please do not use the App.

2 Information We Collect

We collect only the information necessary to provide the services you use within Dream Recharge:

Account Information

• Mobile Number: Your 10-digit Indian mobile number, used as your primary account identifier and for OTP-based registration.
• Name: Optional. Entered by you during profile setup.
• Email Address: Optional. Used for account communications inside the app.
• Profile Photo: Optional. If you upload a profile picture, it is stored on our secure servers and shown only inside your account.
• MPIN: A 4-digit Mobile Personal Identification Number that you create to secure your account. Your MPIN is stored only in a one-way hashed form; we never store it in plain text.

Transaction & Wallet Information

• Wallet Activity: Records of wallet top-ups, recharge debits, refunds, and cashback credits.
• Recharge Records: Mobile or DTH numbers you recharge, the operator, plan amount, timestamp, and status.
• Payment Records: Payment order IDs and gateway transaction IDs for wallet top-ups. We do NOT store your full card number, CVV, UPI PIN, net-banking password, or any other complete payment credential on our servers.

Verification Service Inputs

When you use our paid verification services, we collect and store the specific inputs you submit together with the result returned by the upstream data provider:

• RC Verification (Vehicle Info): The vehicle registration number you enter and the vehicle details retrieved.
• Bank Account Finder / UPI Finder: The mobile number you query and the matched account / UPI information returned.

Support Chat Data

• Messages: Text of chat messages you send to our support team via the in-app live chat.
• Attachments: Any image, document, or voice recording you attach.

Device & Technical Information

• Device Model & OS: Manufacturer, model, Android version, and app version for compatibility and security checks.
• Firebase Cloud Messaging (FCM) Token: A device-specific token that lets us deliver push notifications to your device.
• Crash & Error Logs: Anonymized diagnostic data that helps us identify and fix app issues.

3 How We Use Your Information

Core Service Delivery

• Process prepaid mobile recharges and DTH recharges that you initiate.
• Operate your digital wallet, including top-ups, debits, refunds, and cashback credits.
• Deliver paid verification services (RC Verification, Bank Account Finder, UPI Finder).
• Maintain your transaction and activity history.

Customer Support

• Respond to your in-app chat messages and complaints.
• Investigate and resolve transaction disputes.

Push Notifications

• Send transaction confirmations, wallet credit / debit alerts, and recharge status updates.
• Deliver support-chat replies directly to your device.

Security & Fraud Prevention

• Verify your identity via OTP and MPIN.
• Detect and prevent fraudulent or unauthorized activity.

4 Data Storage & Security

Encryption

• Data in Transit: All communication between the App and our servers uses HTTPS with SSL/TLS encryption.
• Sensitive Fields: Your MPIN is stored as a one-way cryptographic hash. Session tokens are issued per-device and can be revoked at any time.

Account Lockout

Multiple failed MPIN attempts may trigger a temporary lockout for your protection.

5 Third-Party Service Providers

Payment Gateway

Wallet top-ups are processed through a certified PCI-DSS compliant payment gateway provider. We receive only the order ID, status, and amount — never your full card number, CVV, UPI PIN, or net-banking password.

Recharge API Provider

Mobile and DTH recharge requests are routed through an authorized recharge API provider so that your recharge can be fulfilled with the operator.

Plan & Verification API Provider

We use a third-party plan / verification API to (a) fetch prepaid and DTH plan lists, (b) perform vehicle RC Verification, and (c) look up UPI / bank account information linked to a given mobile number.

Firebase Cloud Messaging (FCM)

We use Google Firebase Cloud Messaging to deliver push notifications. Firebase's handling of your FCM token is governed by Google's privacy policy.

6 Data Sharing

We share your information only in these limited circumstances:

• Service Providers: With the third-party providers in Section 5, strictly to deliver the service you requested.
• Legal Requirements: When required by Indian law, court order, or a lawful government request.
• Fraud & Safety: To investigate fraud or abuse.
• Business Transfers: In a merger, acquisition, or sale of the Dream Recharge business, with prior notice.
• With Your Consent: Otherwise only with your explicit consent.

7 Cookies & Tracking

The Dream Recharge App uses only minimal tracking technologies needed for functionality:

• Local Storage: Session tokens and preferences are stored on your device for faster performance.
• Crash Reporting: Anonymized crash logs help us fix bugs.

We do NOT use third-party advertising trackers, pixels, or ad-network cookies. No data is shared with advertisers or data brokers.

8 User Rights

Right to Access

You can view your profile details, wallet history, recharge history, verification history, and chat history directly inside the App at any time.

Right to Correction

You can update your name, email, and profile photo from the Profile screen.

Right to Deletion

You may request deletion of your account and personal data (see Section 9).

Right to Opt-Out

You can opt out of promotional push notifications from your device notification settings or within the App.

9 Account & Data Deletion

You may request complete deletion of your Dream Recharge account at any time via the in-app Help & Support live chat. Send a message with the subject "Account Deletion Request" along with your registered mobile number — see also our Account Deletion page.

What Happens When You Delete Your Account

• Your profile, photo, MPIN, FCM token, and chat history are permanently removed from our active systems within 30 days.
• Any remaining wallet balance is forfeited upon voluntary deletion.
• Transaction records may be retained in anonymized form for up to 7 years as required by Indian financial and tax regulations.

10 Children's Privacy

The Dream Recharge App is intended only for users aged 18 years or older. We do not knowingly collect personal information from children under 18.

11 Data Retention

• Account Data: Retained while your account is active. Removed within 30 days of a verified deletion request.
• Transaction Records: Retained for up to 7 years as required by Indian regulations.
• Verification Records: Retained for up to 24 months.
• Support Chat History: Retained for up to 12 months.

12 Device Permissions

• Internet: Required to connect to our servers.
• Storage (Scoped): Used when you save a recharge receipt or attach a file in support chat.
• Photos / Gallery: Used only when you upload a profile photo or attach a file in chat.
• Camera (Optional): Used only if you take a new photo.
• Microphone (Optional): Used only when you record a voice message inside support chat.
• Notifications: Used to deliver transaction and chat alerts.

The App does NOT request access to your contacts, SMS, call logs, precise location, or biometrics.

13 Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top will be revised. For material changes we will notify you through an in-app banner or notification. Your continued use of the App after any update constitutes acceptance of the revised policy.

14 Contact Us

For any questions or concerns regarding this Privacy Policy or how your data is handled, please reach out via the in-app Help & Support live chat. There is no public email address — all support is handled inside the App.