Privacy Policy - Utility Payments
LKG Infosolutions Private Limited
Last Updated: 22nd Nov 2025
At LKG Infosolutions Private Limited, we are committed to protecting your privacy when you use our utility bill payment services on www.lkginfopl.in. This Privacy Policy explains how we collect, use, store, and safeguard your information when you transact through our utility services, including electricity, water, gas, broadband, telecom, DTH, EMI payments, and other bill categories supported under digital payment frameworks.
1. Consent
By accessing or using our utility payment services, you acknowledge that you have read, understood, and agreed to the terms outlined in this Privacy Policy. Continued use of the service constitutes acceptance of the practices described here.
2. Information We Collect
When you process a utility payment through our platform, we may collect certain personal and transaction-related details. This includes your name, mobile number, email address, and the information needed to process your bill, such as comments, consumer name, and billing cycle details retrieved through the biller network. We also collect transaction-level data, including transaction reference numbers, payment date and time, payment status, and timestamps. We do not store sensitive banking details such as full card numbers, CVV, UPI PINs, or passwords. Additionally, we collect certain technical data automatically, including IP address, browser information, device type, session IDs, and cookies, to improve service security, functionality, and user experience.
3. How We Use Your Information
We use the collected information for the following purposes:
- Processing Payments:To facilitate the payment of your utility bills through the appropriate billers and payment aggregators.
- Transaction Records:To maintain records of transactions and generate receipts or invoices.
- Customer Support:To respond to your inquiries, resolve disputes, and provide technical assistance.
- Service Improvement:To analyze usage patterns and improve the functionality, performance, and security of our platform.
- Communication:To send transactional notifications such as payment confirmations, failure alerts, and billing reminders via SMS, email, or push notifications.
- Legal Compliance:To comply with applicable laws, regulations, and regulatory requirements, including KYC and AML norms.
4. Data Security
We implement industry-standard security measures to protect your personal and transaction data. These measures include:
- Encryption of data in transit and at rest using secure protocols (SSL/TLS).
- Access controls and authentication mechanisms to restrict unauthorized access.
- Regular security audits and vulnerability assessments.
- Compliance with PCI-DSS standards where applicable.
Note: While we take every reasonable precaution to secure your data, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.
5. Sharing of Information
We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:
- With Billers and Payment Partners:To complete the payment transaction with the relevant utility provider or biller.
- With Service Providers:Third-party vendors who assist us in operating our platform, such as payment gateways, hosting providers, and analytics services, under strict confidentiality agreements.
- Legal Obligations:When required by law, court order, or governmental authority.
- Business Transfers:In the event of a merger, acquisition, or asset sale, your information may be transferred to the new entity.
6. Your Rights
You have the following rights regarding your personal information:
- Access:You may request access to the personal information we hold about you.
- Correction:You may request correction of any inaccurate or incomplete information.
- Deletion:Subject to legal and regulatory obligations, you may request deletion of your personal data.
- Opt-Out:You may opt out of promotional communications, though transactional messages may still be sent.
To exercise these rights, please contact us at support@bhugtan.in.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Transaction records may be retained for accounting, tax, and regulatory compliance purposes under applicable Indian laws.
8. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance user experience, remember your preferences, and analyze website traffic. You can manage cookie settings through your browser, though disabling cookies may affect certain features of our service.
9. Third-Party Links
Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such external sites. We encourage you to review their privacy policies before sharing any personal information.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any updates will be posted on this page with a revised "Last Updated" date. Continued use of our services after such changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
By using our utility payment services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described here.