Privacy Policy

Welcome to our Payment Gateway, where your trust is our top priority. When we mention "We," "Us," or [Company Name] in this document, we are referring directly to our [Website Name], the entity responsible for protecting your privacy and securing your personal information. This Privacy Policy outlines how we collect, use, protect, and manage your details as you engage with our services. Understanding this policy is crucial because it affects your legal rights, so we encourage you to take the time to read it thoroughly. Our commitment to transparency and responsibility ensures that your data is treated with the utmost care, providing you with a secure and reliable payment experience with [Website Name].

Before using the [Website Name] or sharing any personal information with us, it's important that you review this Privacy Policy. We've crafted this document to align with legal standards, specifically adhering to the Information Technology Act, 2000, and its detailed rules and regulations. This includes compliance with The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, as well as The Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, ensuring your data is handled responsibly and securely.

Information Collection

[Website Name] gathers two fundamental types of data from users as they interact with our Application and websites. The first is personal information, which includes any data that can uniquely identify an individual—this might be your name, mailing address, date of birth, phone number, email address, or identifiers like PAN and GST numbers, along with your financial details such as bank account information and other identification data. The second type is non-personal information, which doesn’t solely identify you but is nonetheless related to your profile, such as your interests, demographic information, and how you use our Application and websites.

Occasionally, [Website Name] may also obtain personal information about a user from third parties, which might include clients of [Website Name] or those who have engaged with our services. It's important to note that in these instances, [Website Name] acts based on instructions provided by the user, without independently verifying the user's authorization to share their information with [Website Name]. If you find yourself not being the intended recipient of the Services and/or the application or websites, it's advised that you contact [Website Name] promptly.

Furthermore, when engaging in transactions through our Application and websites, [Website Name] may collect details about these transactions. This information can include the transaction amount, whether sent or requested, payment made for products or services, details about the payees, including the financial instruments used for completing a transaction, plus device data, technical usage statistics, and user geolocation.

In delivering our Services and facilitating the use of our Application and websites, [Website Name] will, in addition to the above-mentioned details, collect other relevant information from users (“User Information”).

Guidelines for Content Upload

While engaging with our Application and websites, users must ensure they do not share, post, modify, or transmit any content that:

  • It is beyond the user's legal rights to distribute, either because of laws, contracts, or confidentiality agreements, unless the user possesses or controls the necessary rights or has received all required permissions,
  • Contains defamatory, obscene, pornographic, invasive of privacy, insulting, harassing, libelous content, or is racially or ethnically offensive, supports illegal activities like money laundering or gambling, or is otherwise against the law,
  • Could harm minors in any way,
  • Breaches any patent, trademark, copyright, or other proprietary or intellectual property rights of any entity,
  • Contravenes any laws, regulations, or accepted practices within India,
  • Misleads or deceives others regarding the source of messages or communicates false information that could be perceived as factual, aiming to mislead or harm,
  • Falsely portrays or misrepresents affiliation with any person or entity,
  • Threatens the unity, integrity, defense, security, or sovereignty of India, disrupts public order, incites criminal offenses, or insults other nations,
  • Includes harmful software or code such as viruses, spyware, or anything that might compromise the functionality of computer software, hardware, telecommunications, or illegally collect user data,
  • Is knowingly false, created to deceive or harm others for financial gain or harm,
  • Uses the Services or the Application and websites for unauthorized commercial purposes, advertises goods or services, or unfairly solicits others.

Furthermore, users are urged not to upload any data that could infringe upon the intellectual property rights of others. Each user agrees to protect [Website Name] from any claims related to third-party intellectual property right infringements resulting from their uploads.

By adhering to these guidelines, users contribute to a safer, more respectful online environment on our Application and websites.

Links to External Websites

This Privacy Policy details the methods and principles we, [Website Name], employ regarding the collection and use of user information. While our Application and various platforms might provide links to other external websites, it's crucial to note that the personal information you provide on these third-party sites falls outside the scope of our Privacy Policy. We encourage users to proceed with caution and to familiarize themselves with the privacy policies of these external sites before engaging with them. Please be aware that [Website Name] does not have any influence over the practices or content of any third-party website linked from our Website/ Application, and we cannot be held accountable for their protocols or materials.

Eligibility to Agree

When you, as a user, consent to this Privacy Policy, you affirm that if you are an individual, you have reached the age of majority, which is 18 years, indicating your capacity to enter into contracts. Furthermore, if you are accessing our services on behalf of a company, partnership, or any other legal entity, you confirm that you have the necessary authorization from such entity and are legally allowed by applicable laws to agree to these terms. If you are an individual who has not yet reached the age of majority or lacks the legal competence to form contracts, you are not permitted to use the Application and/or Services, nor are you allowed to submit any personal information to [Website Name].

Purpose of Information Collection and Usage

[Website Name] collects and uses user information with the goal of providing a seamless, efficient, and secure experience, tailored to each user's needs. This information enables us to offer our services more effectively, improve our operations, and enhance our marketing efforts. Here are the key reasons for processing user information:

  • To enhance and personalize the user experience on our Application and websites,
  • To fulfill service requests, process transactions, and send important information such as confirmations and invoices,
  • For the verification of users’ KYC documents,
  • To conduct credit checks and financial assessments, ensuring accuracy and verification,
  • To dispatch technical notices, updates, security alerts, and support-related messages,
  • To handle and investigate complaints, claims, or disputes,
  • To answer user inquiries or feedback,
  • To monitor and analyze trends, usage, and activities related to our services,
  • To merge or link information we receive from others to better understand user needs and improve our services,
  • To perform any other function that the information was initially collected for,
  • To notify users about both online and offline offers, products, services, and updates,
  • To detect and prevent errors, fraud, and other criminal activities,
  • To adhere to applicable laws, regulations, and this Privacy Policy,
  • To share data like back testing, user actions, and processed data with third parties, without requiring user consent, for internal and external services.

SMS Data Access

[Website Name] may request access to your SMS data on your mobile device. Granting us access allows the secure collection of your financial and transactional SMS data. We are committed to protecting your privacy and only collect financial and transactional information through SMS for:

Verification and Security: SMS data helps verify credit card ownership and validity, enhancing security and preventing fraud.

User Experience Optimization: Utilizing SMS data enables us to provide accurate and timely information, improving your payment processes and app interactions.

Payment Mode Analysis: By analyzing your payment methods through SMS, we can offer better payment options and services suited to your preferences.

Transaction Processing: Your SMS data aids in the secure and efficient processing of transactions, ensuring smooth payments.

We do not access personal SMS messages that are unrelated to financial transactions. You can withdraw your consent and disable SMS data access at any time, though some services may be limited without this access. We employ strict security measures to protect your SMS data against unauthorized access and use, retaining your data only for as long as necessary and in compliance with legal and regulatory requirements.

Information Storage and Distribution

User data is securely stored on [Website Name]'s database servers or those hosted by third parties bound by agreements to adhere to this Privacy Policy. These data centers, situated both within and outside India, are designed with high-security measures to prevent unauthorized access to user information by unapproved individuals.

The storage and transfer of user data follow all relevant laws and regulations, including the Information Technology Act, 2000, and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. [Website Name] has implemented reasonable security measures in line with the Information Technology Act, 2000, to safeguard against the loss or misuse of user information. When users modify or access their account details, [Website Name] ensures the use of a secure server. However, users should be aware that internet transactions inherently carry risks, which can be mitigated by adhering to safe security practices such as keeping account/login information confidential and reporting any suspicious activities or potential compromises to [Website Name]'s customer care team.

[Website Name] employs best practices and procedures for security and has a comprehensive documented information security program. This program includes managerial, technical, operational, and physical security control measures proportional to the nature of information collected and the scope of [Website Name]'s operations. Appropriate physical, electronic, and managerial protocols are in place to prevent unauthorized entry, maintain data integrity, and ensure the correct usage of the information collected online.

It's crucial to note that [Website Name] cannot guarantee complete immunity from unintended disclosures of user information due to potential data breaches, unauthorized access, or security failures not intentionally initiated by [Website Name]. Despite our efforts, no digital platform can offer an absolute warranty against the breach of data security, and all transmissions of data are at the user's own risk.

User information collected in delivering services is retained according to agreements with third-party applications and services utilized by the user. This stored information facilitates user access to these third-party offerings. In conducting its business, [Website Name] may need to retain and share certain user information with third parties as well as legal and regulatory bodies upon request.

[Website Name] may disclose information if legally required to do so by laws, regulations, law enforcement or legal entities, or when the organization believes it is necessary to protect its rights, the rights of others, prevent damage to property or personal safety, combat fraud and credit risk, or enforce this Privacy Policy.

[Website Name] is not liable for security breaches caused by events beyond its reasonable control, including natural disasters, industrial disputes, acts of war, civil disturbances, governmental actions, public utility failures, widespread labor or material shortages, pandemics (including COVID-19), and significant disruptions in transportation or telecommunications.

Users should understand and accept that their information may be used by [Website Name] for:

  • Delivering services offered on the Application and websites,
  • Aggregate or non-personally identifiable research and analysis, which may be shared further,
  • Communication purposes,
  • Debugging customer support issues,
  • Anonymized business growth initiatives.

It's important for users to consent to such use and disclosure of their information.

When user information is shared with third parties for accessing their applications and services, it falls under the privacy and data protection policies of those third parties. [Website Name] does not bear liability or responsibility for these third-party practices, and users should directly engage with such third parties regarding the handling of their information.

Furthermore, in the event of a proposed merger, acquisition, reorganization, amalgamation, restructuring, or any change in business structure, user information may be shared with third parties involved.

[Website Name] may also share personal data with third-party service providers, banks, payment gateways, and others with whom [Website Name] has agreements, provided the user has explicitly consented to receive services through [Website Name] or its platforms from such entities.

Data Retention

[Website Name] will maintain the personal information of users for as long as necessary to fulfill the purposes outlined in the Privacy Policy or as otherwise specified by the user. The processing of personal data may extend beyond this period but only as far as it reasonably serves archival purposes and remains in compliance with the protections offered by the Privacy Policy. Once this period concludes, [Website Name] will either remove the user's personal data or anonymize it, ensuring the individual cannot be personally identified.

Updates to This Privacy Policy

[Website Name] reserves the right to modify or update this Privacy Policy at any time to reflect changes in our practices or service offerings, legal, regulatory, or operational requirements. Such modifications will be effective immediately upon posting the updated policy on our Application and websites, unless stated otherwise. We encourage users to regularly review this policy to stay informed about how we are protecting the personal information we collect. Your continued use of the services after any changes to this policy will constitute your acceptance of such changes.

Communication Policy

Upon registering an account on the Application and websites for our services, users give their clear consent to receive emails and messages from [Website Name] and its associated service providers regarding the services provided, as well as communications from marketing and promotional partners. While users have the option to unsubscribe from promotional communications by reaching out to [Website Name] at [Insert Contact Email], it is important to note that opting out of specific essential communications, such as those related to administrative, financial, technical, and legal aspects of the services, is not possible.