Privacy Policy

This page explains what information EMI Guard collects and how it is used, at a plain-language level. For the full data-handling terms a shop owner agrees to, see the User Agreement accepted during signup on the app.

Information collected

Shop owners provide shop and contact details when they sign up. Customer and device details (name, mobile number, EMI schedule, device status) are entered and stored by each shop for its own customers, and are used only to run that shop's EMI tracking and device protection.

How information is used

Information is used to operate the service: tracking EMI schedules, applying device lock/unlock policy, sending payment reminders, and providing support.

Contact

Questions about this policy can be sent to hello@apnabillpay.in.

Last updated: 10 November 2026.