Privacy Policy

Adimudra (“we,” “our,” or “us”), operated by Cojective Digital Payment and Trading Services Pvt. Ltd., values the trust you place in us when you use our services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our platform for bill payments, travel bookings (flights, hotels, holidays, buses), and prepaid services.

1. Scope of This Policy

This Privacy Policy applies to all services offered by Adimudra, including but not limited to:

  • Bill Payments (Electricity, Gas, Water, Broadband, DTH, etc.)
  • Prepaid Recharges (Mobile, DTH)
  • Travel Services (Flights, Hotels, Bus, Holiday Packages)

By using our website, mobile app, or related services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We collect different types of information depending on the service you use on our platform.

a. Personal Identification Information

  • Full Name
  • Contact Details (Phone Number, Email Address)
  • Date of Birth, Gender (required for travel bookings)
  • Government-issued ID:
    • BBPS Bill Payments: Aadhaar or PAN is mandatory if total transaction exceeds ₹50,000.
    • Prepaid Mobile Recharges: Only mobile number and operator are collected.
    • Hotel Bookings: GST number or PAN may be required as per hotel policy.
    • Travel Bookings: Passenger name and DOB must match government ID (PAN, Aadhaar, Passport, Voter ID, etc.).

b. Payment and Transaction Information

  • Payment method details (Card number, UPI ID, Wallet info)
  • Transaction history

c. Travel-Specific Information

  • Hotels: Name, Date of Birth, GST/PAN as per hotel requirement.
  • Flights:
    • Domestic: Adult and child name/DOB must match Aadhaar/PAN exactly.
    • International: Adult, child, and infant details must match valid passport.
  • Bus Bookings: Name, Age, and valid government ID as per operator policy.
  • Special requests (meals, accessibility needs)

d. Technical Information

  • IP address, browser type, operating system
  • Device details, mobile network information
  • Location data (if enabled)
  • Cookies and similar tracking technologies

3. How We Use Your Information

  • Provide Services – Process bookings, bill payments, and recharges.
  • Transaction Processing – Verify payment details and complete transactions.
  • Customer Support – Assist with queries, complaints, technical issues, and refunds.
  • Service Improvement – Enhance our website, mobile app, and customer experience.
  • Promotions & Offers – Send relevant offers, discounts, and updates (with consent).
  • Legal Compliance – Fulfill obligations under applicable laws and regulations.

4. Sharing & Disclosure of Information

  • Service Providers & Partners for fulfilling bookings or payments.
  • Regulatory & Government Authorities where required by law.
  • Fraud Prevention Agencies to detect and prevent suspicious activities.
  • Third-Party Marketing Partners only with your explicit consent.

We do not sell your personal data to third parties.

5. Data Security

We implement industry-standard security measures including SSL encryption, secure server infrastructure, regular security audits, and restricted employee access to sensitive data.

6. Data Retention

We retain your information as long as necessary to provide services, comply with legal obligations, and resolve disputes.

7. Cookies & Tracking Technologies

  • Remember user preferences
  • Improve website performance
  • Show relevant advertisements

You can manage cookie preferences in your browser settings.

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for their privacy practices, and we encourage you to read their policies.

9. Changes to This Policy

We may update this Privacy Policy to reflect new products, features, changes in operations, or legal requirements. Material changes will be highlighted and communicated where appropriate.