This Privacy Policy
provides you with details about the manner in which your data is collected,
stored & used by us. You are advised to read this Privacy Policy carefully.
By visiting Goyal Paisa website/application you expressly give us consent to
use & disclose your personal information in accordance with this Privacy
Policy. If you do not agree to the terms of the policy, please do not use or
access Goyal Paisa website, WAP site or mobile applications.
Note: Our privacy policy may change at any time
without prior notification. To make sure that you are aware of any changes,
kindly review the policy periodically. This Privacy Policy shall apply
uniformly to Goyal Paisa desktop website, Goyal Paisa mobile WAP site &Goyal
Paisa mobile applications.
We will not sell, share
or rent your personal information to any 3rd party or use your email
address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS
sent by Goyal Paisa will only be in connection with the provision of agreed
services & products and this Privacy Policy.
Periodically, we may
reveal general statistical information about Goyal Paisa & its users, such
as number of visitors, number and type of goods and services purchased, etc.
We reserve the right to
communicate your personal information to any third party that makes a
legally-compliant request for its disclosure.
INFORMATION
THAT WE COLLECT AS YOU USE OUR SERVICES
We collect or receive
information you provide when you apply, use or sign up for/on a Goyal Paisa.
AEPS/MATM/POS/QR/PG/Acquiring or other Services, go through our identity or
account verification process, authenticate into your account, communicate with
us, answer our surveys, upload content, or otherwise use the Services. We
collect or receive information about you when you use our AEPS/MATM//POS/QR/PG/Acquiring
and/or Services, including:
·
Identification Information. Your name; email
address; mailing address; mobile/phone number; photograph; birthdate; passport,
driver's license, PAN, or other government-issued identification; or other
historical, contact, and demographic information when you apply, use or sign up
for a Goyal Paisa. AEPS/MATM/POS/QR/PG/Acquiring and/or other Services,
signature, and authentication credentials (for example, information you use to
login to your account), including IP address.
·
Background Information. To the extent permitted
by applicable laws, we may obtain background check reports from public records
of criminal convictions and arrest records. We may use your information,
including your full name, government-issued identification number, and date of
birth, to obtain such reports.
·
Financial Information. Information such as bank
account, payment card numbers, credit reports, and other publicly available
information.
·
Transaction Information. When you use our
AEPS/MATM/POS/QR/PG Acquiring and/or other Services to make, accept, request,
or record payments, we receive information about when and where the
transactions occur, the names of the transacting parties, a description of the
transactions, the payment or transfer amounts, billing and shipping
information, and the devices and payment methods used to complete the
transactions.
·
Other Information You Provide. Information that you
voluntarily provide to us, including any survey responses; participation in
contests, promotions, or other prospective seller marketing forms or devices;
suggestions for improvements; referrals; or any other actions performed on the
Services.
INFORMATION WE COLLECT OR RECEIVE FROM YOU
USE OF OUR POS AND/QR SERVICES
We collect or receive information about you and
the devices you use to access the PoS and/or Services, such as your computer,
mobile phone, or tablet. The information that we collect or receive includes:
·
Precise Geolocation Information. The location of your
device.
·
Device Information. Information about your
device, including your hardware model, operating system and version, device
name, unique device identifier, mobile network information, and information
about the device's interaction with our Services.
Use Information. Information about how
you use our Services, including your access time, "login" and
"log-out" information, browser type and language, country and
language setting on your device, Internet Protocol ("IP") address
·
Business Information. Information about products and services
you sell (including inventory, pricing and other data) and other information
you provide about you or your business.
·
Customer Information. Information you collect from your
customers, including email address, phone number, payment information, or other
information.
We only collect and use
such information from you that we consider necessary for achieving a seamless,
efficient and safe experience, customized to your needs and use the personal
information to provide products to you, enhance the operation of the
Application/ Website, improve our marketing and promotional efforts, analyse
Application/ Website use, improve our product offerings, to personalise your
experience and to provide you a better experience
HOW WE USE YOUR
INFORMATION
We may use information about you in the
following ways, including:
Providing, Improving,
and Developing our Services Processing or recording payment transactions or
money transfers;
Otherwise providing you
with the Goyal Paisa products and features you choose to use; Displaying your
historical transaction or appointment information;
Providing, maintaining
and improving our Services; Developing new products and services;
Delivering the
information and support you request, including technical notices, security
alerts, and support and administrative messages including to resolve disputes,
collect fees, and provide assistance for problems with our Services or your Goyal
Paisa account;
Improving,
personalizing, and facilitating your use of our Services;
Measuring, tracking, and
analyzing trends and usage in connection with your use or the performance of
our Services.
Protecting
our Product and Services and Maintaining a Trusted Environment
Investigating,
detecting, preventing, or reporting fraud, misrepresentations, security
breaches or incidents, other potentially prohibited or illegal activities, or
to otherwise help protect your account,
including to dispute
chargebacks on your behalf; Protecting our, our customers', or your customers'
rights or property, or the security or integrity of our Services;
Enforcing our Terms of
Use or other applicable agreements or policies; Verifying your identity (e.g.,
through government-issued identification numbers);
Complying with any
applicable laws or regulations, or in response to lawful requests for
information from the government or through legal process;
Fulfilling any other
purpose disclosed to you in connection with our Services; Contacting you to
resolve disputes, collect fees, and provide assistance with our Services.
Other
Uses
For any other purpose
disclosed to you in connection with our Services from time to time. Any
information that you provide directly to a third-party merchant, website or
application is not covered by this privacy notice. We are not responsible for
the privacy or security practices of merchants or other third parties with whom
you choose to share your personal information directly. We encourage you to
review the privacy policies of any third party with whom you choose to share
your personal information directly
SECURITY
PRECAUTIONS
The Website/App intends
to protect your personal information and to maintain its accuracy as confirmed
by you. We implement reasonable physical, administrative and technical
safeguards to help us protect your personal information from unauthorized
access, use and disclosure. We also require that our registered third party
service providers protect such information from unauthorized access, use and
disclosure.
Our Platform has
stringent security measures in place to protect the loss, misuse and alteration
of information under control. We endeavour to safeguard and ensure the security
of the information provided by you. We use Secure Sockets Layers (SSL) based
encryption, for the transmission of the information, which is currently the
required level of encryption in India as per the law. Nevertheless, the
internet is not a 100% secure environment, and we cannot guarantee absolute
security of the transmission or storage of your information.
THIRD-PARTY ADVERTISING
AND ANALYTICS •
We can use third-party
service providers to provide site metrics and other analytics services. These
third parties can use cookies, web beacons, and other technologies to collect
information, such as your IP address, identifiers associated with your device,
other applications on your device, the browsers you use to access our Services,
webpages viewed, time spent on webpages, links clicked, and conversion
information (e.g., transactions entered into). This information can be used by Goyal
Paisa and third-party service providers on behalf of Goyal Paisa to analyze and
track usage of our Services, determine the popularity of certain content, and
better understand how you use our Services. The third-party service providers
that we engage are bound by confidentiality obligations and other restrictions
with respect to their use and collection of your information.
This Privacy Notice does
not apply to, and we are not responsible for, third-party cookies, web beacons,
or other tracking technologies, which are covered by such third parties'
privacy policies. For more information, we encourage you to check the privacy
policies of these third parties to learn about their privacy practices.
YOUR CONSENT
By using the Website/App
and/ or by providing your information, you consent to the collection and use of
the information you disclose on the Website in accordance with this Privacy
Policy, including but not limited to Your consent for collecting, using,
sharing and disclosing your information as per this privacy policy.
You have acknowledged
that the Privacy Policy contained herein have been explained to you in
vernacular language and you have understood the contents thereof.
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.
COMMUNICATION WITH COMPANY
We welcome your comments or questions regarding this Privacy Policy. Please
contact our Customer Care and contact shown in application concerns regarding
this Privacy Notice and/or security by writing an email on info@goyalpaisa.in
You may contact us at the following address: Goyal Paisa, Satya
Vihar Colony, Khaikheri Road, Purkazi, Dist- Muzaffarnagar 251327
If you have any questions or concerns regarding our notice, or if
you believe our notice or applicable laws relating to the protection of your
personal information have not been respected, you may file a complaint with our
Privacy Department listed above, and we will respond to let you know who will
be handling your matter and when you can expect a further response. We may
request additional details from you regarding your concerns and may need to
engage or consult with other parties in order to investigate and address your
issue. We may keep records of your request and any resolution.