Privacy Policy

Last updated: 8 November 2026

This policy explains what Tika Group Pty Ltd (Reg. no. 136585, PAN 603506611) (“Bhayo”) collects, why, and your choices. We follow the privacy laws that apply to us and to you — including the Nepal’s Individual Privacy Act, 2075 (2018) and, where they apply to you, India’s Digital Personal Data Protection Act 2023, the EU / UK GDPR and the privacy laws of your country. We don’t sell your personal information and we don’t show third-party ads.

What we collect

Why we use it

Who can see what

How long we keep it

Your choices and rights

Children

Bhayo is not for children under 16. If you think a child has an account, tell us and we’ll remove it.

Security

Sign-in by one-time codes (no passwords to leak), encrypted connections, private storage for documents, and limited staff access with logs.

Contact

Tika Group Pty Ltd (Reg. no. 136585, PAN 603506611), Street 16, Gharipatan, Pokhara-17, Kaski, Gandaki Province, Nepal · privacy@bhayo.com