We do not store your card details
Payments are processed via secure UPI networks
Rewards have no fixed value and may vary
We do not sell your personal data
Privacy Policy
1. Overview
Cikka (“we”, “our”, “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our platform.
By using Cikka, you agree to the terms of this Privacy Policy.
2. Information We Collect
a. Personal Information
- Name
- Mobile number
- Email address
b. Transaction Data
- Bill payment details
- Transaction amounts
- Payment status
c. Device & Usage Data
- IP address
- Device type
- App/browser activity
3. Payment Information
Cikka does not store sensitive financial information such as:
- Full card numbers
- CVV
All payments are processed via secure third-party payment infrastructure and UPI networks.
4. How We Use Your Information
We use your data to:
- Enable bill payments and transactions
- Process and manage CI Points and rewards
- Provide customer support
- Improve product experience
- Detect and prevent fraud
5. Data Sharing
We do not sell your personal data.
We may share information with:
- Payment and infrastructure partners
- Bill payment systems (e.g., BBPS)
- Service providers (hosting, analytics)
- Legal authorities when required
6. Data Security
We use encryption, secure APIs, and access control mechanisms to protect user data.
7. Data Retention
We retain data only as long as necessary for:
- Service delivery
- Legal and regulatory compliance
8. Your Rights
You may:
- Request access to your data
- Request account deletion
- Opt out of non-essential communication
9. Third-Party Services
Cikka may integrate with third-party services. We are not responsible for their privacy practices.
10. Updates to This Policy
We may update this policy periodically. Continued use of Cikka means acceptance of updates.
11. Contact Us
Terms of Service
1. Acceptance of Terms
By accessing or using Cikka, you agree to these Terms of Service.
2. Eligibility
- You must be at least 18 years old
- You must provide accurate and complete information
3. Nature of Service
Cikka is a technology platform that facilitates:
- Bill payments
- Financial transactions via UPI
- Rewards and benefits
Cikka is not a bank, NBFC, or payment system operator.
4. Payment Processing
- Payments are executed via UPI and third-party infrastructure providers
- Cikka acts as a facilitator only
We are not responsible for failures or delays caused by:
- Banks
- UPI networks
- Billers
Users are responsible for verifying payment details before confirmation.
5. Rewards (CI Points)
- CI Points are not cash and have no fixed monetary value
- Value may vary and change at any time
Cikka may:
- Modify reward rates
- Introduce limits or caps
- Expire or revoke points
Rewards may be withheld in cases of:
- Fraud
- Abuse
- Suspicious activity
6. Refunds & Cancellations
- Cikka handles refund requests for transactions initiated through the platform
- Refund approval is subject to verification
- Refunds, where applicable, are typically processed within 5–10 business days, subject to banking and payment partner timelines
- Certain transactions may not be eligible for refunds
7. User Responsibilities
You agree not to:
- Use Cikka for illegal activities
- Attempt to exploit rewards or system vulnerabilities
- Provide false or misleading information
8. Account Suspension
Cikka may suspend or terminate accounts for:
- Policy violations
- Fraudulent activity
- Legal or regulatory reasons
9. Limitation of Liability
Cikka is not liable for:
- Indirect or consequential losses
- Payment delays or failures from external systems
- Changes in rewards value
10. Intellectual Property
All content, branding, and technology belong to Cikka and may not be used without permission.
11. Modifications to Terms
We may update these Terms at any time. Continued use of the platform constitutes acceptance.
12. Dispute Resolution
In case of disputes, users must contact Cikka support. Cikka will review and resolve issues at its discretion, subject to applicable laws.
13. Governing Law
These Terms are governed by the laws of India.