Contact & Legal Information
EMI Guard is an independent EMI Management and Device Management Technology Service. It is not a bank, NBFC, financial institution, loan provider or debt collection agency - it provides software and technology services to independent mobile retailers, who independently sell devices to their own customers through their own installment sale arrangements.
Legal operator
RK Technology, a Venture of VYCTI
ISO 9001:2015 Certified & IAF Recognized Organization. MSME Registered. Regd. No. IV-190200505/2026, registered under the Public Trust Act, Govt. of India.
Registered address: Kunor, Kaliyaganj, Uttar Dinajpur, West Bengal, 733129, India
Contact
Email: hello@apnabillpay.in
Or use the Contact Us page.
Grievance Officer
Reachable at the contact details above. See the Grievance Redressal Policy for how a complaint is handled.
Other legal documents
- Privacy Policy
- Terms & Conditions
- User Agreement
- Retailer Service Agreement (Draft)
- Customer Consent Policy
- Device Management Consent
- Device Lock & Unlock Policy
- Data Retention Policy
- Information Security Policy
- Data Processing Agreement (Draft)
- Grievance Redressal Policy
- Refund & Cancellation Policy
- Installment Sale Agreement (Customer Template)
Last updated: 12 November 2026.