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Privacy Policy

EarnBook – UPI & Bill Payments​

Credophos Webtech Private Limited (“we”, “our”, “us”) operates the EarnBook – UPI & Bill Payments mobile application (“App”).
Your privacy is important to us, and this Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App and services.

By using EarnBook, you agree to the collection and use of information in accordance with this Privacy Policy.

  • 1. Information We Collect We may collect the following types of information:

    a) Personal Information Full Name Mobile Number Email Address Location information Aadhaar Number PAN Number Bank Account details UPI details.
    b) Device & Technical Information Device type and model Operating system IP address Device identifiers App usage data and logs.
    c) Transaction Information Recharge and bill payment details AEPS, DMT, CMS transaction data Loan, insurance, investment, travel booking related information BBPS and government service transaction records.
  • 2. How We Use Your Information :

    We use the collected information to: Provide and manage our services such as AEPS, DMT, CMS, Recharge, Bill Payments, Travel Bookings, Loans, Insurance, Investments, and Government Services Verify user identity and comply with KYC requirements Process financial and banking transactions securely Improve app functionality and user experience Communicate important updates, alerts, and service-related notifications Detect, prevent, and address fraud or illegal activities Comply with legal and regulatory requirements.:
  • 3. Third-Party Services:

    We use third-party services to operate and improve our App. These third parties may have access to certain user information as required to perform their services. Third-party services include: Firebase – App analytics, crash reporting, and notifications Google AdMob – Advertisements Payment Gateways – Razorpay, SME Pay Banking & Utility APIs – BBPS, AEPS, DMT, CMS APIs Loan, Insurance, and Investment Partners These third parties have their own privacy policies, and we recommend reviewing them.
  • 4. Data Sharing & Disclosure :

    We do not sell your personal data. Your information may be shared only: With trusted service providers for transaction processing With banks, government authorities, or regulators when legally required To comply with court orders or legal obligations To protect our rights, users, and systems.
  • 5. Data Security :

    We use appropriate technical and organizational security measures to protect your personal and financial data against unauthorized access, loss, misuse, or alteration. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
  • 6. Data Retention :

    We retain user data only for as long as necessary to: Provide our services Fulfill legal, regulatory, and compliance obligations.
  • 7. User Rights :

    You have the right to: Access your personal information Request correction of inaccurate data Request deletion of your data (subject to legal requirements) Withdraw consent where applicable To exercise these rights, contact us using the details below.
  • 8. Children’s Privacy:

    EarnBook is intended for users 18 years of age and above. We do not knowingly collect personal information from children under 18. If we become aware that such data has been collected, we will take steps to delete it.:
  • 9. Changes to This Privacy Policy:

    We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the updated policy will be effective immediately upon posting.
  • 10. Contact Us:

    If you have any questions or concerns regarding this Privacy Policy, please contact us:

    Company Name: Credophos Webtech Private Limited
    App Name: EarnBook – UPI & Bill Payments
    Address: Patna, Bihar, India
    Email: contact@earnbook.in Phone: 7721035494
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