BHAIRAV ONE · PRIVACY & DATA PROTECTION
Official Privacy Policy

Privacy Policy

This Privacy Policy explains how Bhairav One collects, uses, stores, protects and deletes information associated with merchant accounts and use of the Bhairav One application, website and related services.

Effective Date: 10 August 2026   ·   Last Updated: 10 August 2026
Important: Bhairav One does not take custody of payment funds.

Bhairav One provides software functionality for merchants, including QR generation and related merchant utilities.

Bhairav One does not receive, hold, settle or transfer the merchant's customer's payment funds through the QR-generation functionality.

When a customer chooses to make a payment, the actual payment is handled by the customer's selected UPI/payment application and the applicable payment, banking or financial infrastructure.

01

Scope & Acceptance

What this policy covers.
02

Service Operator

Who operates the service.
03

About Bhairav One

What the application actually provides.
04

Information We Collect

Categories of merchant information.
05

Information We Don't Request

Credentials and sensitive payment secrets.
06

QR & UPI Processing

How QR generation works from a privacy perspective.
07

Actual Payments

Responsibility for payment execution.
08

Subscription & Activation

Access and activation information.
09

How Information Is Used

Purposes for processing information.
10

Sharing & Disclosure

When information may be disclosed.
11

Security

Measures used to protect information.
12

Retention & Deletion

How information is retained and removed.
13

Your Privacy Rights

Requests and controls available to users.
14

Third-Party Services

External services and applications.
15

Children's Privacy

Who the service is intended for.
16

Policy Changes

How updates are communicated.

1. Scope and Acceptance

This Privacy Policy applies to the Bhairav One mobile application, associated website functionality, merchant account services, activation services and related communications operated under the Bhairav One service.

This policy explains how information relating to merchants and authorized users is handled when they access or use Bhairav One.

By using Bhairav One, you acknowledge that you have had an opportunity to review this Privacy Policy.

Important accuracy principle This Privacy Policy is intended to describe actual information practices. Bhairav One does not intend to collect information merely because it could technically be collected.

2. Service Operator and Business Identity

Bhairav One is the name of the software application and service.

The Bhairav One service is associated with the Bhairav Group brand and is operated for merchant use by Bhairav Metal Mart, as applicable to the underlying business and payment-acceptance activities.

"Bhairav Group" is used as the brand identity for the broader business and technology ecosystem. It should not be interpreted as a separate incorporated legal entity unless and until separately established as such.

Official service information Application: Bhairav One
Brand: Bhairav Group
Operating business: Bhairav Metal Mart
Website: https://bhairav.group

3. What Bhairav One Provides

Bhairav One is designed as a merchant QR-generation and payment-acceptance utility.

The application allows an authorized merchant to provide relevant payment information and an amount so that the application can generate a QR representation for use by the merchant's customer.

Core functions may include

  • Merchant account authentication.
  • Merchant activation and access management.
  • Merchant UPI/payment identifier management.
  • QR generation.
  • Amount entry for QR generation.
  • Transaction/QR record management.
  • Merchant-controlled transaction status marking where provided.
  • Merchant profile and account management.

Bhairav One is not the merchant's bank

Bhairav One does not control the merchant's bank account, UPI account or payment-provider account.

Bhairav One does not operate a customer wallet

The application does not provide a stored-value wallet through which customer funds are held by Bhairav One.

4. Information We Collect or Maintain

Depending on the merchant's use of the service, Bhairav One may collect or maintain information necessary to create, authenticate, secure and operate the merchant account and provide QR-generation functionality.

Category Examples Primary Purpose
Account information Mobile number and account/login information Authentication, account management and support.
Activation information Activation code/status and related account information Controlling authorized access to the service.
Merchant identification Merchant ID and associated identifiers Identifying the correct merchant account.
Merchant payment identifier Merchant-provided UPI/payment identifier Generating the requested merchant QR.
QR/transaction information Amount, date/time and supported transaction or QR records Providing merchant history and application functionality.
Support information Information voluntarily provided when contacting support Resolving support, account or service issues.
Data minimization Bhairav One is designed to use the information reasonably necessary for the service. We do not request banking passwords, UPI PINs or similar payment authentication secrets merely to generate a merchant QR.

5. Information We Do Not Request for QR Generation

Bhairav One's QR-generation functionality does not require the following payment authentication information:

  • Customer UPI PIN.
  • Banking password.
  • Debit card PIN.
  • Credit card PIN.
  • Bank account password.
  • OTP used to authorize a customer's payment.
  • Customer's UPI application login password.

Merchants should never enter or disclose such credentials into Bhairav One.

Security warning Bhairav One personnel will not require your UPI PIN, banking password or payment authorization credentials. Do not disclose them to anyone claiming to represent Bhairav One.

6. QR Generation and Merchant Payment Information

A merchant may provide a UPI/payment identifier and an amount through Bhairav One. The application uses the merchant-provided information for the purpose of generating the requested QR representation.

The QR code itself is a mechanism for presenting payment information. Generating a QR code does not itself constitute receipt, settlement or transfer of money by Bhairav One.

Merchant responsibility

Merchants are responsible for ensuring that the payment identifier they provide belongs to the merchant or business account they are authorized to use.

Merchants are also responsible for confirming the amount displayed before presenting a QR code to a customer.

QR generation ≠ payment processing Bhairav One generates the requested payment QR information. It does not become the recipient of the customer's money merely because its software generated the QR code.

7. Actual Payments, Banks and UPI Applications

When a customer scans or uses a QR generated by Bhairav One, the customer may use a compatible UPI/payment application to initiate a payment.

The actual authorization and execution of the payment are handled by the payment application, bank, UPI participant, payment service provider and other relevant infrastructure involved in that payment.

Bhairav One does not receive the customer's funds into a Bhairav One-controlled account as part of its QR-generation functionality.

Payment disputes

Questions concerning a failed, pending, reversed, refunded or disputed payment should generally be directed to the applicable payment application, bank or payment provider, as Bhairav One does not control the underlying banking transaction.

Payment confirmation

Bhairav One does not represent that QR generation by itself confirms that a payment was successfully completed.

If the application provides a manual transaction-marking feature, a merchant's manual marking is the merchant's own record and is not an independent bank-side confirmation by Bhairav One.

8. Subscription and Activation

Access to Bhairav One may require a paid subscription or service fee.

Subscription payment is made for access to the Bhairav One service and activation of the merchant account.

Subscription is separate from customer payments. Bhairav One's subscription fee is not a percentage or collection of the merchant's customer's UPI payment. Bhairav One does not take custody of customer payment funds as a result of the merchant's subscription.

Signup

Merchant signup may be completed through supported Bhairav One channels, including WhatsApp and the Bhairav One website.

The mobile application uses the authorized merchant's login and activation information to provide access.

9. How We Use Information

We may use information for the following purposes:

  • Creating and maintaining merchant accounts.
  • Authenticating authorized users.
  • Activating or managing access to Bhairav One.
  • Generating merchant QR codes.
  • Maintaining merchant-specific records.
  • Displaying supported transaction history.
  • Providing customer and merchant support.
  • Detecting unauthorized access or misuse.
  • Protecting the integrity and security of the service.
  • Diagnosing technical problems where applicable.
  • Communicating important account or service information.
  • Complying with applicable legal obligations.

We do not use merchant information for purposes unrelated to the service merely because the information is available to us.

10. Information Sharing and Disclosure

Bhairav One does not sell personal information as a business model.

Information may be disclosed only where reasonably necessary for legitimate service, security, support, infrastructure, legal or compliance purposes.

Service providers

Certain infrastructure or technology providers may process limited information on behalf of the service where necessary to operate the application, website, authentication, communications, hosting or security infrastructure.

Legal requirements

Information may be disclosed where required or permitted by applicable law, legal process, court order, government request or where reasonably necessary to protect rights, safety, security or prevent unlawful activity.

Business changes

If the business or a material portion of the service is reorganized, transferred, merged or acquired, information may be transferred as part of that transaction, subject to applicable legal requirements and privacy protections.

We do not sell account information

Bhairav One does not sell merchant account information, UPI identifiers or authentication information to third parties for their independent commercial use.

11. Information Security

We take reasonable technical and organizational measures intended to protect information against unauthorized access, alteration, disclosure, misuse or destruction.

Security practices may include

  • Authenticated access controls.
  • Restricted access to backend systems.
  • Secure credential handling.
  • Server-side access controls.
  • Secure communications where supported.
  • Operational monitoring and security controls.
No system is completely secure. Despite reasonable safeguards, no application, server, network or internet transmission can be guaranteed to be completely secure. Users should protect their credentials and immediately report suspected unauthorized access.

12. Data Retention and Deletion

We retain information for as long as reasonably necessary to provide the service, maintain account functionality, maintain appropriate business records, protect against misuse, resolve disputes and satisfy applicable legal obligations.

Account deletion

Users may request deletion of their Bhairav One account and associated personal information through the designated deletion process.

Where deletion is requested, information that is not required to be retained for a legitimate legal, security or other permitted purpose will be deleted or otherwise handled in accordance with applicable requirements.

Required retention Some information may need to be retained for a limited period where required by law, necessary for fraud/security prevention, necessary to resolve disputes, or otherwise permitted by applicable law. Any such retained information will be limited to the relevant purpose where reasonably practicable.

Third-party deletion

Deleting a Bhairav One account does not automatically delete information independently held by banks, UPI applications, WhatsApp, payment providers, telecom providers or other third parties. Such requests must be made directly to the relevant provider.

13. Privacy Rights and Requests

Subject to applicable law, users may contact us regarding their personal information and may request appropriate action concerning their information.

Requests may include

  • Requesting information about personal data associated with an account.
  • Requesting correction of inaccurate account information.
  • Requesting deletion of an account and associated data.
  • Raising a privacy or security concern.
  • Requesting clarification about how information is used.

We may need to verify the identity or authority of the requester before processing a request involving account information.

Verification is intended to prevent unauthorized persons from obtaining or deleting another merchant's information.

14. Third-Party Applications and Services

Bhairav One may interact with or rely upon third-party technology and infrastructure for specific service functions.

Examples may include hosting, communications, authentication, notifications, website infrastructure and other technical services used to operate the application.

Independent third-party services have their own terms and privacy policies. Bhairav One does not control how an independent third-party application handles information after the information is transferred or provided to that service by the user.

UPI and banking applications

When a customer chooses to use a UPI or banking application after scanning a QR code, that application's own privacy policy and terms govern its handling of the customer's information and payment activity.

15. Children's Privacy

Bhairav One is intended for merchants, businesses and authorized users and is not designed as a children's application.

We do not knowingly design the service to solicit personal information from children for merchant-account purposes.

If you believe that a child has provided personal information to us in connection with the service without appropriate authorization, contact us using the privacy contact details below.

16. Changes to This Privacy Policy

We may update this Privacy Policy when our services, technology, data practices or applicable legal requirements change.

The "Effective Date" and "Last Updated" information at the beginning of this document will be updated when material changes are made.

Continued use of Bhairav One after an updated policy becomes effective will be subject to the updated policy, to the extent permitted by applicable law.

17. Merchant Responsibilities

Merchants using Bhairav One are responsible for using the service only for legitimate business purposes and for ensuring that the payment information they provide is accurate and authorized.

  • Use only UPI/payment identifiers you are authorized to use.
  • Verify the amount before presenting a QR to a customer.
  • Protect your Bhairav One credentials.
  • Never share UPI PINs, OTPs or banking passwords.
  • Do not use the service to impersonate another merchant.
  • Do not use Bhairav One for unlawful transactions.
  • Maintain compliance with laws applicable to your own business and payment activities.

18. Payment and Service Disclaimer

Bhairav One provides software functionality and does not guarantee the availability, authorization, completion, settlement, reversal or refund of an underlying payment transaction.

A QR code being generated or displayed does not constitute confirmation that a customer has paid.

Merchants should independently verify payment status using the appropriate payment or banking channel before treating an order or transaction as paid.

Bhairav One is not responsible for outages, delays, transaction failures, bank-side decisions, UPI network availability, payment-provider policies or other events controlled by independent third parties.

19. No Request for Sensitive Payment Credentials

Bhairav One does not require a merchant or customer to disclose a UPI PIN, banking password, card PIN or similar authentication secret to generate a QR code.

If any person asks you for such information while claiming to represent Bhairav One, do not provide it and contact Bhairav One through an official support channel.

20. Contact and Privacy Requests

For privacy questions, data-access requests, correction requests, deletion requests or privacy concerns, contact the privacy contact below.

Bhairav One — Privacy & Data Requests

Operating business: Bhairav Metal Mart

Brand: Bhairav Group

Privacy: hq@bhairav.group

Support: hq@bhairav.group

Website: https://bhairav.group

Please include enough information for us to identify the relevant merchant account while avoiding unnecessary disclosure of sensitive credentials in your request.

21. Important Notice About This Policy

This policy must remain synchronized with the application. Bhairav One will update this policy when material changes are made to its data collection, storage, processing, sharing, account-management or deletion practices.

This Privacy Policy describes the Bhairav One service as operated at the effective date shown above. It should be read together with the Bhairav One Terms and Conditions and any other applicable service-specific notices.