Privacy Policy

This privacy policy is an electronic record that is formed as per the provisions of the Information Technology Act, 2000 and the rules and regulations framed there under. It does not use any physical electronic or digital signatures and can be written or typed.

This privacy policy is a legal contract between you and the company. The terms of this policy shall come into force once you register on the website as described hereunder and shall apply to your usage of the services, between you and the company. This document is published and interpreted as per the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 under the Information Technology Act, 2000 which requires formulating policy in respect of collecting, processing, storing and sharing of personal information including sensitive personal data or information.

It’s important that you read and understand this privacy policy carefully. However, the account application on the page implies your consent to the stated policy by checking the relevant box, acknowledging the understanding and consent to the policy. In the case of non-acceptance of the terms mentioned in this policy, one must refrain from accepting this policy and using our services. By accepting, you hereby grant your unequivocal consent to our company, under section 10 of the Information Technology Act, 2000 and other relevant rules or regulations.

Your provision of your information or your use of the services on the website, you acknowledge your consent to the collection, storage, processing disclosure and/or transfer of your personal information (as hereinafter defined), sensitive personal information (as hereinafter defined), and non-personal information (as hereinafter defined) to our company as provided under this privacy policy. You further agree that such activities will not prejudice you or any other person any loss or wrongful gain.

Our company and any company, organization, or other legal body and/or person directly or indirectly controlled by, controlling, or under common control with our company respects the privacy of data and information of Website users (including account and/or customer, registered or non- registered users availing, offering or utilizing companying services on Website and/or any other person or legal entity doing business with Website..

This Privacy Policy is an agreement between you and the company affiliate to which the company belongs to and through which you interact with the company. This Privacy Policy should be read in conjunction with the specific terms of use/other terms and conditions governing the particular company and the nature of its business.

Purpose

This company has provided this Privacy Policy to inform you about:

• 1. The sort of data or information which you disclose to this website or which you offer to website, and which is gathered by our company from you.
• 2. About the specific uses of the data or information that is collected.
• 3. Image analysis and policies on information security at Website.
• 4. Including detail concerning company practices as to the communication, sharing or transferring of your data or information to third parties.

Amendments

Thirdly, it is noteworthy that this Privacy Policy may be changed or supplemented in some or all its parts. We will provide you with any changes or updates that the privacy policy might undergo as required by the law.

Sensitive Permissions:

The information or data that you provide to us or which is obtained by us from you might be classified into “Personal Information,” “Sensitive Personal Information For Android App and website,” and “Non- Personal Information.”

• 1. Personal Information:

  Personal Information is data that can identify you as an individual either directly or indirectly; it entails facts that can be attributed to an individual. For the purposes of this Privacy Policy, Personal Information includes:

  1. Permissions like location,Notifications,Phone,Camera,Contacts, SMS or call log, upload Photos.
  2. Your date of birth.
  3. Your Gender and marital status.
  4. Your occupation.
  5. Your IP address.
  6. The specific label of the device, through which it is given the access to the site or the use of the services offered by Website.
  7. Any information that you give to us at the time of registration of our website excluding the SPI data information.
  8. Information that you provide to meet the KYC requirements internally or externally or to meet legal requirements.
  9. Information you have opted to upload, synchronize, or import (this includes phone status and identity, contacts, calendar, camera, microphone, or messaging system in addition to third-party information that became available during your use of the website with your consent.
  
  

  We collect Personal Information in various ways, including but not limited to:

  1. used when you register as a user on the company’s website.
  2. Should be used when registering as a merchant on our company’s website.
  3. should be used when registering as a vendor on our company’s website.
  4. In the following circumstances whenever you enter into other services available on our website like when you filled questionnaires or subscribed on for contests, if you contacted company’s customer service or write to them, phoning, emailing, or even writing a feedback/review on services or products on the website.
  5. Whenever you enter dealings or try to deal on our website.
  6. All other dealings that occurs with company’s Website.
  
  

  We may also collect personal information about you indirectly from third parties including through social media platforms, commercial data providers and partners. When you connect with a service through our website and a social media account or sign up for our site through a social media platform and share information on that account, the information we obtain may include your user name in the social media account, any other information shared by that social media account that such account has the right to share for your account, any shared content, picture or email address, friends list, and any other public information associated with the social media, Whenever you use our website, or interact with our services through social media channels, or whenever you set up a connection between any service offered on the website and social media platforms, you give company, permission to collect, store, use and retain the information and content as set out herein this Privacy Policy.

Transaction information

For this purpose, we obtain data on your financial transactions for the purpose of completing and delivering the requested services. This is the details regarding the amount of money transferred, the account details of the recipient and your previous transactions. This information is collected each time you engage in any form of transaction with Website and is used for the purposes of accomplishing your confirmed transactions while at the same time creating a record that may be useful during audits or other legal measures.

Device information

We use cookies to recognize your device, improve our website’s performance and serve your preferences. This can include, but is not limited to IP address, browser type, operating system, device identifiers etc. This is information that is gathered without your intervention while engaging in activities such as visiting our website or utilizing our services. That is why it is important to collect these details so that you can enhance our platforms operations, make them compatible with your device, deal with any complications associated with it, and ultimately maximize effectiveness and the resultant usability.

• 2. Purpose of collecting, using, storing and processing Your Personal Information/Non-Personal Information/Sensitive Personal Information

  It is also important to note that our company has sovereignty rights in the power to collect, use, store, process and disclose your Personal Information, Non-Personal Information, and Sensitive Personal Information for any purposes allowable under the consent from you. As used herein, the lawful purposes are in relation with the functioning and operations of company while upholding your privacy. The specific purposes for which we may use your information include, but are not limited to:

  • For performance, analytics and marketing purposes to improve the quality and the overall experience of the interactions you have with our company and services.
  • For answering your questions, and to provide information related to our products and services as per the requirements of the visitors.
  • To provide information about the products, services and any other content that we might provide or are available through our website such as newsletters and promotional updates.
  • For purposes of notifying customers and subscribers of alterations to terms and conditions, user agreements and other information that may be pertinent to the services we offer.
  • To offer you more surveys and other relevant marketing contents that you may find appealing and engaging from the perspective of your use of our services .
  • In order to display ads or offers that may be of interest to the user, as well as recommend related products.
  • To help you to deal with any questions or technical difficulties that may occur as you surf through our website.
  • To deal with the orders and to process the payments, to contact the Buyer concerning the orders and everything related to it and to provide some customer support.
  • The ability to make internal evaluations for organizational and operational control purposes, and to conduct data analysis to understand website traffic.
  • For analyzing the usage pattern, feedback and data of services, content and advertising for further development.
  • To facilitate various purposes that include the execution of different activities and those involving third party service providers and partners by our website.
  • Also, to understand the usage of the services we offer, evaluate the impact of the advertisements placed and to process payments made.
  • For research, surveys, or any other assessment that requires data analysis for academic or analytical purposes.
  • To preserve the reliability and credibility on the internet, and important measures like practicing stringent security measures and managing any case of compromised website security.
  • For legal proceedings, for law enforcement agencies to act on cases related to public interest for permitted legal action.
  • To make research on user behavior and needs for the purpose of filling a gap in the market and meeting the needs of the customers.
  • For the purpose of conducting lawful investigations, reporting suspected fraudulent activities or other wrongdoing or breach of law by partners or employees, as applicable, including internal investigations and auditing.
  
• 3. Sharing of information We may share your information with third parties under the following circumstances:
  1. It is also important for you to know that we may share information with third party service providers with whom we may be geographically linked on the internet for the operation of our website and the processing of transactions to bring you the services that you require. These providers are also legally restrained with contractual provisions that only your information will be used to provide service to us.
  2. Another type of sharing may occur when we have a legal basis for doing so, for instance, to meet the legal duties, enforcements, court summons, or official governmental, legislative or regulatory demands. This comprises compliance with the relevant provisions of the law which require the release of information.
  3. However, in case of merger & acquisition or disposal of business/operations/ assets selling including division wise or as a whole you may be informed that your information is transferred to the buyer in this regard. This way the continuity of service is provided and the new entity can perform the functions and activities being performed by us.
  4. Sharing of your information with third parties for any purposes other than the ones mentioned in this policy may be done if you specifically authorize it. This may include areas where you have agreed with other parties to share your data for other reasons other than the main purpose of using the provided services.
  
• 4. Non personal information Besides Personal Information and Sensitive Personal Information, we also shall receive Non- Personal Information in connection with your use of our website. This information is retained in server logs and does not personally identify you.
  1. Information regarding the geographical location of the user in terms of continent, country, state or city using IP address or any other known location data.
  2. Details about your telecom service provider/ISP.
  3. The operating system of your browser like the Internet Explorer, Firefox, Opera or Google chrome.
  4. Information about the operating system in use in the device used as well as the website that was visited prior to this one.
  5. Information on the operations of your web browser and the time and date of your site usage.
  6. There are various methods through which Non-Personal Information is gathered, and use of cookies is one of them. These cookies are pieces of data stored in your machine and aid in helping us understand and improve your usage of the site. These cookies can also be removed or blocked by adjusting the browser settings. Therefore, the user has a number of choices that include accepting cookies, blocking cookies or deleting cookies. However, it should be noted that disabling the cookies may have impact certain functionalities of our website.
  7. It is also important to note that we may feature advertisements placed on our behalf by third parties via an internet website on which our website is hosted. They may gather Non-Personal Information concerning your visits and transactions across our website and products and services.
  Kindly be informed that the process and management of Personal Information, Sensitive Personal Information, and Non-Personal Information is subjected and certified under this Privacy Policy.

Storage and Processing of Your Personal Information/Non-Personal Information/Sensitive Personal Information

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website.

1. We primarily store your Personal Information, Non-Personal Information, and Sensitive Personal Information in electronic form, though some data may also be held in physical records.
2. Your data will be processed within the Republic of India and compliance with laws and regulations.
3. Our partners or service providers within Indian may process or store your data on our behalf. partners must adhere to the measures that are provided by the law and to the measures that are followed by our company regarding the protection of the data.
4. - Internal and External Sharing: Subject to your consent, your information may be disclosed to affiliates, service providers, partners, company’s, or regulatory bodies for in-India related purposes.
- Compliance and Legal Obligations: This Privacy Policy does not limit your right to receive information under the applicable law under the following circumstances:
- Contractual Protections: When we transfer our data to third parties, they also maintain the same policy standard s as we hold.
5. Thus, the information that cannot be linked with you, including the data about your usage of the Site or information about the device you use, may be provided to third parties for the purposes of web analytics, ad efficiency analysis, and other improvements of the services provided to you. These entities have signed legal measures of nondisclosure of information.
6. When it comes to the processing of the transaction or the payment related activities, we may have to disclose some of the Personal Information to the third-party financial service providers. This mutual exchange of data is deemed to adhere to the relevant guidelines by such financial services, and we are not to blame for any pitfalls regarding your data treatment.
7. We may also share the Personal and Sensitive Information with third parties in order to conduct sufficient investigations into fraudulent incidences, security breaches or violation of term and condition.
8. We may disclose the information you have provided to us whenever we are required by law to do so or in response to valid legal processes, or whenever we need to establish, exercise, defend, or protect our or others’ rights.


Security and Data Retention

1. Ensuring the security of your Personal Information and Sensitive Personal Information is our highest priority. We are committed to implementing comprehensive safeguards to prevent unauthorized access, modifications, or breaches of your data.
2. We adopt appropriate security protocols, which include encryption technologies and physical safety controls, for protecting the information shared by you. Our safety measures are audited and reviewed on a continuous cycle so that they can be evaluated and upgraded.
3. The applicable laws and regulations concerning the protection of information guide our safety measures. We work using industry-standard procedures for our safety measures, making sure that at a minimum, the same is in compliance with the legal requirements.
4. While we take all reasonable steps to protect the personal information of the End-Users, the damages awarded shall be only per applicable data protection laws. Liability for damages in excess of that provided by statutory regulations is hereby excluded to the fullest extent permitted by law.
5. All the transactions that take place through our payment systems enter an environment that is compliant with the Payment Card Industry Data Security Standard (PCI DSS) in the processing of your credit or debit card details.


By continuing to use our services, you agree to such security measures and data retention practices as described herein that are part of our efforts to protect you and your information against legal and regulatory standards.

Deletion of Company’s Account

1. When your account deletion request is received, company will immediately cease to collect, store, and process your personal information. However, we may retain some of the information against legal or regulatory necessities. For example, transaction records may be stored for a maximum period of ten years for the purpose of ensuring compliance with relevant finance house regulations and standards. .
2. Erasure of your account will cancel any existing contractual agreement between you and the company. This means that you won't be able to: .
- Denial of Access: Log into your account or access the services with prior credentials. - Restriction to Operation: You cannot do anything or make any transaction regarding that account. - No Availability of Data: All personal data, transaction history, and information related to accounts will be deleted and rendered permanently inaccessible. - Cessation of Service: You will no longer have access to any services offered by the company. .
3. In case you want to open a new account with the same mobile number or email address as the deleted account, it will be considered a new registration on the website, and you will be treated as a new customer..
4. Deleting your account does not relieve you from any obligation or liability incurred prior to such deletion. .


By requesting the deletion of your account, you hereby agree to the foregoing terms and confirm that you understand what it means to close your account in the company.

Merchant Onboarding and Compliance Guidelines

• Your onboarding with our company will follow Merchant Onboarding and Know Your Customer Policy coupled with the guidelines from Reserve Company of India or other regulating authorities. To facilitate this process and complete all the necessary paperwork, you must provide all the required documents and information to our company as part of your onboarding based on these policies and regulations.
All the documents and details you have supplied here have to be true and correct. In the event of lack of Candor, the omission of facts or the submission of any untruthful information to our company, we shall be at liberty to cancel this agreement forthwith without any notice to the client.
• All the documents and details provided to our company will be kept very confidential and will not be shared with any third party, except the law enforcement agents if necessary. The above documents and details we receive from you will be utilized by our company to extend other services to you. You will also have to agree to any terms and conditions that may relate to certain services or a particular sale.
• It is forbidden to utilize the services of our company for the following business activities to these Terms and Conditions. Furthermore, your business cannot intend for your business to be allowed under the Permitted Business List while engaging in activities that fall under the Negative Business List, Risk Business List, and Restricted Business List.
• Negative businesses include industries or activities which are normally considered as potentially risky and non-conductive to financial services or are also regarded as unlawful, unethical, prohibited or unadvised for the financial services. Here are some examples:
1. Gambling and Betting: Particularly encompasses online casinos, sports betting, buying a lottery ticket as well as any form of gambling.
2. Adult Content and Services: Hard core websites, strip clubs, and online adult chat.
3. Illegal Drugs and Substances: Relative to the sale or distribution of any illicit drug, prohibited articles and apparatuses for their use, and other substances prohibited by law.
4. Weapons and Ammunition: Fire arms, ammunition, explosives, and related merchandise.
5. Counterfeit Goods: Offer or delivery of bogus commodities, imitative, fake famous brands bags and shoes, albatross electronics, etc.
6. Unlicensed Financial Services: Unregistered Money Transfer Operators, Unregistered Foreign Exchange Trading and Financial Business that offers services other than legal compliance.
7. Pyramid Schemes: Pyramid selling which mostly rewards the project owners and directors and causes losses to mustering participants.
8. Hate Speech or Discrimination: Those sites and groups that use hate speech, discriminative barriers and advocating violence against persons and/or groups based on colour, race, religion, gender, national origin, disability or sexual orientation.
9. Illegal Activities: Any business that indulges in any activity that is unlawful under the laws of the country they are operating in.
10. Fraudulent Activities: Industries involved in scams and fraud cases like the Ponzi scheme, phishing, and other related schemes that have the intentions of defrauding either individuals or businesses.
11. Sale of Stolen Goods: any form of bartering involving items that might have been an object of theft, or items that the trader knows or reasonably has cause to believe forms part of an embezzlement.
12. High-Risk Forex and Binary Options Trading: Availability of, or trade in, high risk commodities or products.
13. Prohibited Pharmaceuticals: Uncontrolled sale of drugs – going to the market without the permission from the appropriate health departments.
14. Spyware and Hacking Tools: Distribution of software or tool.
These categories are generally regarded as high risk and can sometimes present legal, ethical and financial issues to the financial institutions which in turn poses a risk to its clients as well. Thus, the companies belonging to these categories face the problem of being locked out from financial services by the company’s and payment processors. • If you be found to use our company’s services for such prohibited business, you will be subjected to legal action and all legal remedies available to the company will be employed. It may also be required for our company to inform the respective authorities of your participation in these prohibited activities.

Fraudulent transactions

You are prohibited from carrying out any form of fraudulent activities or utilize our company to perform any criminal act. In the event that you use our services for the purpose of defrauding customers or for any other fraudulent activities, then such activities shall be reported to the competent legal authorities. It is important for our company to note that the provision of such services can be stopped immediately in such situations by our company.
- If there is evidence that your KYC information is fake or not genuine.
- If you give wrong and/or fake information regarding the type of your business, which results in a breach of the Merchant Category Code.
- In the event of any violation of the provisions contained in these Terms and Conditions.