Privacy policy

Your information belongs to you. This page explains what we collect, why we collect it and how we keep it safe.

Last updated: 7 October 2026

1. Who we are

ApnaPay is offered by APNAPAY PRIVATE LIMITED together with AMT Technologies (Pvt) Ltd, powered by Al Makkah Telecom ("ApnaPay", "we", "us"). You can reach us at support@amtpluspay.com or 0800-00000.

2. What we collect

Account details: your name, mobile number and MPIN (stored only as a scrambled hash, never as the MPIN itself).
Identity details: your CNIC number, issue date, date of birth, mother's name and CNIC photos when you verify your account.
Payment details: the payments you make and receive, the people and companies you pay, and your saved bills.
Device details: your phone model, app version and a device ID, so your account stays on one phone.
Contacts: only if you allow it, to show which of your contacts use ApnaPay. We do not upload your full contact list.

3. Why we use it

To open and run your account and process your payments.
To check your identity with NADRA and meet the rules that apply to payment services.
To keep your account safe and to find and stop fraud.
To send you payment alerts, receipts and important service messages.
To answer your questions and complaints.

4. Who we share it with

We never sell your information. We share it only when needed to provide our service: with banks, billing companies, mobile networks and payment networks that process your payments, with NADRA for identity checks, with our agents when you use them, and with authorities when the law requires it.

5. How we protect it

All data travels encrypted between the app and our systems. Sensitive data is never stored on your phone in plain text. Access inside ApnaPay is limited to people who need it for their job.

6. How long we keep it

We keep your information while your account is open and for as long as the law requires after it is closed. After that, we delete it or make it anonymous.

7. Your choices

See and update your personal details in the app.
Turn contact access, notifications and biometric login on or off in your phone settings.
Ask us for a copy of your information, or ask us to close your account, by emailing support@amtpluspay.com.

8. Changes to this policy

If we change this policy in a way that matters, we will tell you in the app before the change takes effect.