PRIVACY POLICY
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Welcome to (Company name)! As a leading Payment Aggregator, (website name) provides comprehensive payout and verification services to a diverse range of clients, including e-commerce platforms, educational institutions, financial services, web aggregators, and more. Additionally, we hold an in-principle approval to operate as a prepaid payment system operator in India. Our mission is to offer a secure data processing environment and a robust payment infrastructure for our customers. Given the critical role of data in our payment services, we are dedicated to maintaining a secure environment for the processing of personal and sensitive personal information ("Personal Data" as detailed below) collected from our stakeholders.
We adhere to security standards and best practices as mandated by Applicable Laws (as defined herein) to safeguard Personal Data obtained from Users ("You" or "Your") who interact with our website, software, mobile applications, platforms, merchant services, or checkout pages ("Platforms"). Our service terms and conditions are detailed separately on our website and are an integral part of this Privacy Policy, collectively encompassing all our payment aggregation, payout, verification, and other services ("Services").
How Do We Collect Data About You?
We use various methods to gather and process data about you:
Information You Provide: This includes identity, contact, marketing, and communications data that you voluntarily give us when you use our Services or correspond with us (e.g., via email or chat). This information is provided when you register for our Services, use features within our platform, share data through the Services, report issues, and engage in other activities related to the Services. We maintain records of such correspondence.
Information We Collect Automatically: Each time you visit our Platform or use our Services, we automatically gather personal data such as device and usage data, identified through cookies and similar technologies.
Information from Third Parties and Public Sources: We receive personal data from various third-party sources and public domains, including:
- Analytics providers
- Advertising networks
- Search information providers
- Data brokers, aggregators, or social networks
- Publicly available sources
- Credit registries, information bureaus, blacklists, sanctions lists, and other similar registries/lists.
Authenticity of Information
Accuracy of Data: You agree that the personal data you provide is true, correct, and accurate. You are solely responsible for any inaccuracies in the data you provide.
Review and Correction: You may review and seek to correct or modify your information by contacting us or our Grievance Officer.
How Do We Use and Disclose Data We Collect?
Lawful Use: We will not use your personal data in a manner prohibited by law. Typically, we use your data to provide Services or to comply with legal or contractual obligations.
Consent to Sharing: By providing us with your personal data, you consent to our sharing it with third parties. You authorize us, our partners, and affiliates to contact you via email, phone, or other means.
Third-Party Sharing: We may collect, compile, and share information related to you to provide the Services, which may include storage providers, marketing partners, data analytics providers, consultants, lawyers, auditors, and affiliates.
Legal Requirements: We may share data without your consent if required by law, courts, government agencies, or authorities. Such disclosures are made in good faith and belief that they are necessary for compliance with Applicable Laws and regulations.
General Purposes for Using Your Data:
- To register you as a user
- To deliver Services and prepare account statements
- To manage our relationship with you, including notifications of Service changes
- To administer and protect our business and Services, including troubleshooting and system testing
- To deliver content and advertisements
- To recommend products, services, rewards, discounts, or other benefits
- To measure and analyze advertising effectiveness through surveys, contests, and promotions
- To monitor trends for Service improvements
- To fulfill our contractual obligations
- To enforce our terms
- To issue tax invoices and GST filings
- For underwriting, risk monitoring, fraud detection, anti-money laundering, and combating terrorism financing
- For legitimate business interests that do not override your interests and rights
- To comply with legal or regulatory obligations
Retention of Your Information
We retain your information as long as it is reasonably necessary to provide you with our Services or to comply with applicable laws. Even after you deactivate your account, we may keep copies of your information and records of transactions or Services you participated in for a period consistent with legal requirements, statutes of limitations, or as we believe is necessary to comply with legal obligations, detect or prevent fraud, collect fees, resolve disputes, address issues with our Services, assist with investigations, enforce our Terms of Use, or take other actions as required by law.
Cookies and Similar Technologies
We use various technologies to collect information when you access or use our Services. This includes placing cookies or similar technology on your device and using web beacons. Cookies are small data files stored on your hard drive or device memory when you visit a website or view a message. They support the integrity of our registration process, retain your preferences and account settings, and help compile aggregated statistics about user activity. By using our Services, you permit us to collect and use information from activities on your devices in accordance with this Privacy Notice.
Types of Cookies:
Session Cookies: These last only for the duration of your web or application session and expire when you close your browser or exit the application.
Persistent Cookies: These remain on your device to remember you when you return to use the Services.
Uses of Cookies:
- Identify unique visitors and manage capacity.
- Customize promotional layout and content.
- Track interactions with our Services.
- Assess and improve advertising campaigns.
- Allow business partners to use tracking technologies on our behalf.
- Enable third parties to collect data about interactions across sites.
- Collect anonymous statistical information to improve the Services.
Some cookies are set by us, while others are set by third parties providing services on our behalf. Most web and mobile browsers accept cookies by default, but you can change your settings to block or notify you of cookies. Note that blocking cookies may limit your ability to fully use our Services.
Third-Party Advertising and Analytics
We use third-party service providers for site metrics and analytics services. These providers use cookies, web beacons, and other technologies to collect information such as your IP address, device identifiers, applications on your device, browser types, web pages viewed, time spent on pages, links clicked, and conversion data. This information helps us and our providers analyze usage, track content popularity, and understand how you use our Services. Third-party service providers are bound by confidentiality obligations and restrictions on using your information.
This Privacy Notice does not cover third-party cookies, web beacons, or other tracking technologies, which are governed by those third parties' privacy policies. We encourage you to review the privacy policies of these third parties to learn about their practices.
Your Rights
Right to Review Your Personal Data:
You have the right to review the Personal Data you have provided. If any Personal Data is found to be inaccurate or deficient, we will correct or amend it as feasible. However, please note that we are not responsible for the authenticity of the Personal Data you provide.
Withdrawal of Your Consent:
You may choose not to provide your Personal Data at any time while using our Services or otherwise, or you may withdraw your consent previously given to us by writing to our email at: (email id). However, choosing not to provide or withdrawing your consent may affect our ability to offer some or all features and functionalities of our Services. This may also impact our ability to process your Personal Data, potentially leading to the discontinuation of Services that rely on such data, at our sole discretion.
Data Control
Customers retain full rights and control over their personal data provided to us. To request an overview of your data, please email us. Under specific circumstances, you may request modifications, erasure, blocking, or restriction of your personal data processing. You may also object to certain uses of your data.
We rely on you to ensure that your personal data is complete, accurate, and up-to-date. Please promptly inform us of any changes or inaccuracies. (Website name) enables customers to manage their personal data through the following means:
- Request a copy of the personal data we hold about you.
- Notify us of changes to your personal data or request corrections.
- Request the erasure, blocking, or restriction of your personal data processing, or object to specific uses.
In certain cases, request that we send your personal data to a third party.
If we process your personal data based on your consent, you have the right to withdraw it at any time, subject to applicable laws. Additionally, when processing data based on legitimate or public interest, you may object at any time, considering applicable laws.
Notifications and Updates
This Policy may be periodically updated to reflect new services, changes in our privacy practices, or adjustments in relevant laws. The "Last updated" date at the top of this Policy indicates the latest revision date. Changes take effect upon posting the updated Policy on our Services or as otherwise required by law.
Disclosures and updates related to this Policy or your personal data may be communicated through postings on our website. If you are an End User or Representative, we may also contact you via your (website name) Dashboard, email address, or the physical address listed in your (website name) account.
Contact Us
We welcome your questions or complaints about this Policy. Please review the Business User’s privacy policy or notice or contact them directly for more information about their privacy practices, choices, and controls.
(mention contact details)