Introduction

Jeevandhara Digital is a brand name of Jeevandhara Electronics. All services offered under the name Jeevandhara Digital are operated and managed by Jeevandhara Electronics. This Privacy Policy explains how we collect, use, share, and protect your information when you use our eCommerce platform and digital services, including bill payments, mobile recharges, and more.

Information We Collect

1. Personal Information

• Full Name
• Email Address
• Phone Number
• Billing and Shipping Address
• Payment Information (cards, UPI, wallets, etc.)

2. Transaction & Order Data

• Order history and product details
• Recharge and bill payment records
• Refund and cancellation information

3. Device & Technical Data

• IP address
• Device type and OS
• Browser type and access times

How We Use Your Information

• To process orders, bill payments, and recharges
• To ship products and provide customer support
• To send order confirmations and important service notifications
• To improve our website, features, and services
• To send marketing emails, offers, and updates (with your consent)

Wallet Data

When you use the Services Wallet or Shopping Wallet on Jeevandhara Digital, we collect and process additional information related to wallet usage, including:

• Wallet balances, top-ups, and deductions
• Refunds credited back to the wallet
• Transaction history within the wallet
• Linked payment methods used for wallet loading

How We Use Wallet Data:

• To maintain and update your wallet balances
• To process refunds from failed recharges, bill payments, or shopping orders (credited to the respective wallet only)
• To send notifications regarding wallet activity, validity, or policy updates
• For fraud detection, misuse prevention, and compliance with applicable guidelines

Wallet balances are Closed Wallets and are not RBI-authorised Prepaid Payment Instruments (PPIs). The balance cannot be withdrawn in cash, transferred to a bank/UPI, or used outside the Jeevandhara Digital ecosystem.

Data Sharing & Disclosure

1. Third-Party Service Providers

We may share your information with partners who help us operate Jeevandhara Digital, including logistics, payment gateways, analytics providers, and support teams.

2. Legal Obligations

We may disclose data when required by law or to protect the safety, rights, or property of Jeevandhara Digital, our users, or others.

3. Fraud Detection & Legal Compliance

In cases involving suspected fraud, unauthorized payments, chargebacks, or disputed transactions, we may share transaction details, IP logs, device IDs, KYC documents and payment trails with:

• Banks & Payment Gateways
• Cyber Crime or Law Enforcement Agencies
• Regulatory authorities on legal request

This disclosure does not imply wrongdoing by the user — it is strictly for compliance and investigation purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, misuse, or loss. This includes encryption, secure payment processing, and access controls.

Data Retention

We retain your information for as long as necessary to provide our services or as required by law. You can request deletion of your data by contacting our support team.

In cases of suspected fraud or financial investigation, user data may be retained for up to 5 years or longer as required by Indian IT & E-Commerce legal compliance.

Your Rights & Choices

• Account Settings: You can manage your personal details and communication preferences in your profile.
• Access & Deletion: You may request access to or deletion of your data by emailing us.

Children's Privacy

Jeevandhara Digital is not intended for users under the age of 18. We do not knowingly collect information from minors.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any significant changes will be notified via email or within the platform.

High-Risk Activity & Abuse Prevention

Accounts showing patterns of refund abuse, fake complaint attempts, multiple logins from same device/IP or irregular transaction behavior may be flagged for risk review. Services may be held or restricted until verification is complete.