Privacy Policy

Collection of Personally Identifiable Information and other Information

When you use our app, we collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.

We use data collection devices such as "cookies"/similar on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your device hard-drive/storage that assist us in providing our services. We offer certain features that are only available through the use of a "cookie".

We also use cookies to allow you to enter your username less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your device hard-drive/storage at the end of a session. You are always free to decline our cookies if your device permits, although in that case you may not be able to use certain features on the app and you may be required to re-enter your password more frequently during a session.

If you choose to transact on the app, we collect information about your transaction behaviour. We collect some additional information, such as a billing address, details of recipient or payer of the transaction, location, etc.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities on the app, we may collect such information into a file specific to you.

We collect personally identifiable information (email address, name, phone number, etc.) from you when you register with us. We do use your contact information to send you offers based on your transaction history and your interests.

Financial and transaction information such as your bank account details, other financial transaction related information, including but not limited to, transaction details and history, withdrawal amount, payee details, OTP from bank or our App etc., log file information from application, software etc., metadata and other data) and other financial information that may be provided by you to use the App.

Your device details like device identifier, SIM details, IP address, location.

We may use third party analytics services to collect information about how you use and interact with our App. Such third party analytics services may use cookies to gather information upon your use of our App. We use these analytics services to analyse how people use our App, to improve them, to customize the content/features users see/use based upon their interests. However, no personally identifiable information or payment sensitive information is shared or used for such analytical purposes.

Use of Demographic / Profile Data / Your Information

We use personal information to provide the services you request. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.

In our efforts to continually improve our product and service offerings, we collect and analyse demographic and profile data about our users' activity on our app.

We identify and use your IP address to help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our app, providing you with content that we think you might be interested in and to display content according to your preferences.

Sharing of personal information

We may share personal information with our other corporate entities and affiliates.

We may use personally identifiable information (email address, name, phone number, credit card / debit card / other payment instrument details, etc.) provided by you to our corporate entities and affiliates in the course of making transactions.

We may also disclose anonymised data derived from your personal information to third parties. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.

We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.

For enabling the Services or products availed by you using the App or for running promotions, facilitating the Transactions between you and the relevant financial institution, Services or product providers or the merchant, as the case may be, or otherwise processing your instructions.

For grievance redressal and dispute management related to the Services or products availed using the App or generally in relation to use of the App.

To provide, improve, protect, and promote our App (such as third-party analytics tools to help us measure traffic and usage trends for our App), for security, analytics, research or sending you communications. These third parties will access your information only to perform tasks on our behalf and in compliance with this Privacy Policy.

For verification, investigation or prevention of frauds or to manage risks (including risk mitigation) or recover funds in accordance with applicable laws or for customer awareness and safety.

We may also disclose personal information to enforce our policies, respond to claims that a posting or other content violates others’ rights, or protects anyone’s rights, property or safety.

We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to: (a) comply with the laws; (b) if required to do so by law or any government or regulatory authority, where in good faith we believe that such disclosure is permissible under law or is necessary to respond to court orders or any other legal processes; (c) prevent fraud or abuse of our name, brands, trademarks or such other rights belonging to us or our other users; or (d) protect our rights.

We may share some or all of your information in connection with or during negotiation of any merger, financing, acquisition or dissolution, collaboration, transaction or proceeding involving sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of an insolvency, bankruptcy, or receivership, your information may also be transferred as a business asset. If another entity acquires us or our business or assets, that entity will possess all your information collected by us and will assume the rights and obligations regarding your information as described in this Privacy Policy.

Stewardship of your data is critical to us and a responsibility that we embrace. We believe that our User's data should receive the same legal protections regardless of whether it’s stored on our servers or on their home computer systems or devices.

Links to Other Platforms

Our app links to other platform that may collect personally identifiable information about you. PaulPay is not responsible for the privacy practices or the content of those linked platforms.

Security Precautions

Our app has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Choice/Opt-Out

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account. If you want to remove your contact information from all PaulPay lists and newsletters, please click on the unsubscribe button on the emailers.

Your Consent

By using the app and/ or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this Privacy Policy, including but not limited to Your consent for sharing your information as per this privacy policy.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

DISPUTE RESOLUTION

If you believe that PaulPay Wallet has not adhered to this Privacy Policy please email to us at E-mail:care@paulfincap.com (In Your email, please describe in as much detail as possible ways in which you believe the Privacy Policy has not been complied with. We will investigate your complaint promptly.

Account & Data Deletion

You can request to delete your account information at any time. For account deletion, you will have to mail us at E-mail:cardops@paulpay.in In your request to delete your account, after 30 days from the request of deletion, we begin the process of deleting your personal information from our systems. We may also retain certain information about you as required by law or for legitimate business purposes after you delete your account.