Privacy Policy

1. Introduction

Welcome to Ginni Pay (utility.metabenz.org). We respect your privacy and are committed to protecting the personal data you share with us. This Privacy Policy details how we collect, process, manage, and protect your information when you use our payment portal, applications, and related services.

By accessing or using our services, you consent to the collection and use of information as described in this policy. If you do not agree to these terms, please do not use our services.

2. Information We Collect

In order to provide our utility bill payment, mobile recharge, and booking services, we collect various types of information, including:

• Account Details: Your name, username, phone number, and avatar image.
• Financial/Wallet Data: Fund deposits, transaction history, wallet balances, and logs.
• Transaction & Booking Details: Utility account IDs, operator names, recharge plans selected, and ticket/hotel booking metadata.
• Device & Access Information: IP addresses, browser types, operating systems, and access time logs.

3. How We Use Your Information

We use the collected information for purposes necessary to run and improve Ginni Pay, including:

• Processing and completing your recharges, electricity payments, and travel bookings.
• Managing and updating your digital wallet balance and fund top-ups.
• Verifying your identity, preventing fraud, and securing your account.
• Diagnosing technical issues and improving system performance.
• Sending transaction confirmations, security alerts, and system updates.

4. Sharing Your Information

We do not sell or rent your personal information to third parties. We share your data only in the following scenarios:

• API Providers & Operators: To execute utility payments, flight/hotel/bus bookings via our secure API partners.
• Legal Requirements: When mandated by law enforcement, regulatory authorities, or court order.
• With Consent: In any other circumstances where you give us explicit permission to share your data.

5. Data Security

We implement robust technical and organizational security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. We use secure databases, SSL/TLS encryption for all communication channels, and strictly limit access to personal data to authorized administrators only.

Please note that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security.

6. Cookies & Tracking Technologies

Ginni Pay uses essential cookies to manage user sessions and authentication states. These cookies help keep you logged in as you navigate between pages and ensure a seamless experience on our site. You can configure your browser to reject cookies, but doing so may limit your ability to use certain features of the portal.

7. Your Rights & Choices

Depending on your location, you may have rights regarding your personal information:

• Access & Correction: You can review, update, or correct your personal profile information directly through your dashboard.
• Account Closure: You can request account deletion, subject to any outstanding transaction logs or legal retention requirements.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, your personal data, or our services, please contact our support team: