Privacy Policy
At Yek7Pay Solutions Private Limited (“Yek7Pay”, “we”, “our”, or “us”), we are committed to protecting your privacy. As a modern fintech platform that simplifies how people travel, pay, and protect what matters, we ensure that your personal information is handled securely and transparently. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
1. Who We Are
Yek7Pay combines travel, payments, and insurance into one seamless, user-friendly experience. Whether you’re booking a flight, settling bills, or buying insurance, we’re your digital companion for a smoother, more connected lifestyle.
2. Information We Collect
a) Personal Information
We may collect the following personal data:
- Full name
- Email address
- Mobile number
- Government-issued ID (for KYC)
- Address and location data
- Date of birth
- Payment and transaction history
- Travel preferences and insurance info
b) Usage and Technical Information
We automatically collect:
- IP address and device type
- Browser type and OS
- App usage data and clickstream
- Location data (if enabled)
- Cookies and similar technologies
3. How We Use Your Personal Information
- Process bookings (flights, hotels, insurance)
- Complete digital payments and settlements
- Verify identity and legal compliance
- Send real-time updates
- Deliver customer support
- Send promotions with consent
- Enhance services and UX
- Ensure platform security and fraud detection
4. Sharing Your Information
We may share your data with:
- Trusted partners (e.g., airlines, payment processors)
- Government/law enforcement (as required)
- Third-party service providers
- In cases of business transfer or merger
We do not sell or rent your personal data.
5. Your Privacy Choices
- Access/update your data
- Request data deletion (within legal limits)
- Opt out of marketing
- Withdraw consent
- Request stored data copy
Contact us: info@yek7pay.com
6. Data Security
We use enterprise-grade security (encryption, secure servers, firewalls, fraud monitoring). While no system is 100% secure, we recommend using strong passwords and not sharing OTPs.
7. Cookies and Tracking Technologies
- Keep you logged in
- Store preferences
- Track analytics
- Show relevant ads
You can manage cookies in your browser/device settings.
8. Children’s Privacy
Our services are not for users under 18. We do not knowingly collect data from minors. Consent from a parent or guardian is required when necessary. We do not track or profile children for advertising.
9. Data Retention
We retain data as long as needed for outlined purposes or legal compliance (e.g., financial laws).
10. Changes to This Policy
We may periodically update this policy. Major changes will be notified via our website or app. Continued use after changes implies acceptance.
Terms & Conditions
1. Definitions
- “User”, “you”, or “your” refers to any person or entity using the Platform.
- “Company”, “we”, “us”, or “our” refers to Yek7Pay, a company incorporated in India.
- “Services” refers to the OTA services flight and hotel bookings, mobile recharges, bill payments, and insurance services offered through the Platform.
2. Eligibility
You must be at least 18 years of age and legally capable of entering a binding contract under the Indian Contract Act, 1872. By using the Platform, you represent that you meet this requirement.
3. Services Offered
- Book domestic and international flights and hotels
- Perform mobile recharges and utility bill payments
- Purchase and manage various types of insurance policies
All services are provided through third-party service providers, and Yek7Pay acts only as a facilitator.
4. User Obligations
- Provide accurate, complete, and current information
- Maintain the confidentiality of your account credentials
- Use the Platform only for lawful purposes
- Not engage in any fraudulent, abusive, or harmful activity
5. Payments and Refunds
Payments are processed securely. For refunds or modifications, refer to the applicable service's policy. Yek7Pay is not responsible for third-party delays or failures.
6. Insurance Services
Insurance policies are issued by IRDAI-approved providers. Yek7Pay acts only as an intermediary. Users are responsible for reviewing policy terms before purchase.
7. Data Privacy
Yek7Pay handles personal data per the Digital Personal Data Protection Act, 2023 and its own Privacy Policy. By using the platform, you consent to this.
8. Intellectual Property
All content and technology on the Platform belong to Yek7Pay or its licensors. Use or distribution without permission is prohibited.
9. Limitation of Liability
Yek7Pay is not liable for indirect, incidental, or consequential damages arising from use of the Platform or third-party services.
10. Indemnification
You agree to indemnify and hold Yek7Pay harmless from liabilities or claims due to your breach of these Terms or misuse of the Platform.
11. Termination
Yek7Pay may suspend or terminate your access to the Platform without notice for any violation of the Terms.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of India. All disputes shall be resolved under the jurisdiction of the courts in Kolkata, India.
13. Amendments
Yek7Pay may modify these Terms anytime. Continued use of the Platform after changes constitutes acceptance.
14. Contact Us
For questions or concerns, contact us at info@yek7pay.com.
Grievance Redressal Policy
This Grievance Redressal Policy outlines Yek7Pay’s commitment to addressing and resolving customer complaints and grievances in a transparent, fair, and timely manner. Our goal is to ensure high levels of customer satisfaction and compliance with regulatory requirements, including guidelines from the Reserve Bank of India (RBI), IRDAI, and Consumer Protection Act, where applicable.
Scope
This policy applies to all users of Yek7Pay's platform who avail of services such as:
- Flight bookings
- Hotel bookings
- Mobile recharge and utility bill payments
- Insurance products (via licensed partners)
Key Principles
- Accessibility: Multiple and easy-to-use channels for lodging complaints
- Transparency: Clear communication on resolution timelines and status
- Timeliness: Prompt acknowledgement and resolution of grievances
- Accountability: Dedicated redressal team and escalation process
- Confidentiality: All grievance details and customer data are handled with strict confidentiality
How to Raise a Grievance
Email: Send your complaint with details to info@yek7pay.com
Call Support: 📞 9230967187 (Monday to Saturday, 9:00 AM – 7:00 PM)
Grievance Redressal Process
- Level 1: Submit complaint via ticket/email/phone — Response within 48 working hours
- Level 2: Escalate to the Grievance Officer — Response within 5 working days
- Level 3: Escalate to regulatory bodies (RBI, IRDAI, etc.) — As per regulatory timelines
Grievance Officer Details
Email: grievance@yek7pay.com
Categories of Grievances Covered
- Failed transactions or payment processing errors
- Service not delivered despite payment
- Delay or non-receipt of refund
- Issues with insurance policy issuance or claims
- Misleading or incorrect service information
- Poor customer service response
Exclusions
Complaints not related to Yek7Pay services or raised after 60 days from transaction date may not be entertained unless there are exceptional circumstances.
Resolution & Escalation
All grievances receive a unique Ticket ID and updates at every stage. If not resolved within timelines, users may escalate to the Grievance Officer or external regulators such as RBI, IRDAI, or Consumer Forums.
Customer Rights
- Fair and prompt resolution
- Respectful and unbiased treatment
- Updates on grievance status and outcome
- Right to escalate if unsatisfied
Policy Review
The policy will be periodically reviewed to align with evolving regulations and best practices. Updates will be announced via our official website and app.
Regulatory References
- RBI – Master Directions on Digital Payment Services
- IRDAI – Insurance Distribution & Grievance Guidelines
- Consumer Protection Act, 2019
Disclaimer
Yek7Pay facilitates services through third-party providers. Final liability and service resolution lies with those providers as per their terms and policies.
General Disclaimer Policy
This General Disclaimer ("Disclaimer") applies to your access and use of the Yek7Pay website, mobile application, and all associated services ("Platform"). By accessing or using the Platform, you acknowledge and agree to the terms of this Disclaimer. If you do not agree, please do not use the Platform.
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No Warranties: All services and content are provided "as-is" and "as-available" without warranties of any kind. Yek7Pay does not guarantee:
- Accuracy, completeness, or reliability of information or services
- Uninterrupted or error-free Platform operations
- Suitability or quality of third-party services offered
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Third-Party Services and Liability: Yek7Pay is a facilitator; services are fulfilled by third parties.
- Yek7Pay does not own/operate airlines, hotels, insurers, or utilities
- Responsibility for delivery, refunds, etc., lies with the provider
- Disputes must be resolved with the third-party provider
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Payments and Transactions: While secure gateways are used, Yek7Pay does not guarantee:
- Uninterrupted transactions
- Refunds for user/technical/third-party errors
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Insurance Products: Issued by IRDAI-licensed insurers. Yek7Pay:
- Does not provide insurance advice
- Is not liable for claims or delays
- Is not the insurer or claim handler
- No Financial or Legal Advice: Content is informational only. Users should seek independent professional advice before decisions.
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Limitation of Liability: Yek7Pay and its affiliates shall not be liable for:
- Direct or indirect damages
- Loss of data, profits, or business
- Any use or inability to use the Platform or its services
- External Links: Yek7Pay does not control or endorse third-party websites linked from the Platform, and disclaims liability for their use.
- Changes to the Disclaimer: Yek7Pay may update this Disclaimer without notice. Continued use implies acceptance of changes.
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Contact Us:
Yek7Pay Solutions Private Limited
📧 Email: info@yek7pay.com
📍 Address: GN-38/5, ANAYA CHAMBERS, 9TH FLOOR, SECTOR-5, SALT LAKE,
Sech Bhawan, North 24 Parganas, Salt Lake, West Bengal, India, 700091
Refund and Cancellation Policy
Yek7Pay Solutions Private Limited
1. Overview
This Refund and Cancellation Policy explains the terms under which users of Yek7Pay may cancel transactions and receive refunds for services such as flight and hotel bookings, mobile recharges, bill payments, and insurance purchases. By using our services, you agree to the terms outlined below.
2. General Conditions
- All cancellations and refunds are subject to the policies of the respective third-party service providers (e.g., airlines, hotels, telecom operators, insurance companies).
- Yek7Pay acts as a facilitator and is not directly responsible for service delivery or refund decisions made by these providers.
- Processing fees, gateway charges, and applicable taxes may be deducted from any refund amount.
3. Service-Specific Policies
3.1 Flight Bookings
- Cancellations are subject to airline fare rules and Yek7Pay service charges.
- Refund eligibility and amount depend on the airline's cancellation policy and timing.
- Refunds may take 7–10 business days to reflect in your account after processing.
3.2 Hotel Bookings
- Hotel cancellation terms vary by property and room type (e.g., refundable vs. non-refundable).
- Refunds for eligible cancellations are processed as per hotel partner policies.
- No-shows are generally non-refundable.
3.3 Mobile Recharge and Bill Payments
- Recharges and bill payments are processed instantly and cannot be canceled or refunded once initiated.
- In case of transaction failure or incorrect deduction, a refund will be processed automatically to your original payment method within 3–5 business days.
3.4 Insurance Policies
- Cancellation and refund of insurance premiums are subject to the terms of the respective IRDAI-licensed insurance provider.
- Cooling-off or free-look periods apply as per regulatory guidelines (typically 15 days for life insurance).
- Yek7Pay does not take responsibility for claim-related or refund decisions.
4. Refund Process
- Refunds, when applicable, will be processed to the original mode of payment.
- Users must retain transaction IDs and provide proof of payment to assist in the refund process.
- In certain cases, users may be asked to share their bank details (if required by partner systems).
5. Timeframe for Refunds
| Service Type | Estimated Refund Time |
|---|---|
| Flight/Hotel Bookings | 7–10 business days |
| Failed Recharges/Bills | 3–5 business days |
| Insurance Cancellations | 10–15 business days (subject to provider) |
Note: These are standard timelines. Actual processing times may vary based on partner and banking infrastructure.
6. Non-Refundable Transactions
- Services marked “non-refundable” or “non-cancellable” at the time of booking
- Transactions cancelled due to user error or incorrect information
- No-show for flight or hotel check-in without prior cancellation
- Mobile recharges or bill payments initiated with incorrect details
7. Cancellation Fees
Yek7Pay may charge a nominal cancellation processing fee for flight or hotel booking cancellations in addition to charges levied by the service provider. Exact fees will be displayed during the cancellation process or informed via email.
8. Disputes and Escalations
If you face any issue with refunds or cancellations, you may:
- Contact our customer support at 📧 info@yek7pay.com
- Escalate to our Grievance Officer at 📧 grievance@yek7pay.com
We are committed to resolving refund-related issues within 10 working days of receiving a formal complaint.
9. Policy Updates
Yek7Pay reserves the right to update or modify this policy at any time to reflect changes in business practices or legal requirements. Users are advised to review the policy periodically.
10. Contact Us
Yek7Pay Solutions Private Limited
📧 Email: info@yek7pay.com 📞 Phone: 9230967187
📍 GN-38/5, ANAYA CHAMBERS, 9TH FLOOR, SECTOR-5, SALT LAKE,
Sech Bhawan, North 24 Parganas,
Salt Lake, West Bengal, India, 700091
