IppoPay Technologies Private limited ('IppoPay', 'we', 'our' or 'us') acknowledges the importance of safeguarding information as well as personal details and hence provides this policy (hereinafter referred to as the 'Privacy Policy') with respect to access and usage rights of our brand IppoPay ('Sites') owned by us along with the easy payment services provided by us. The term 'Sites'/ 'Site' is inclusive of all pages which are sub-domains or are a part of/associated with any website and all the applications, including IppoStore and all other applicable domains, website(s) or applications, by whatever name called, as well as other services that we operate or offer.
The terms 'WE', 'OUR' and 'US' signifies the brand IppoPay by IppoPay Technologies Private limited and the terms 'YOU', 'YOUR' represent you, as a user of the Sites and services offered by IppoPay. 'PERSONAL INFORMATION' denotes the information provided by you regarding the contact details or identification details, such as your name, email address, contact number, along with any other data that is related to such details, including any personally identifiable or financial information. All of our procedures along with the respective processes regarding collecting and usage of the personal information is listed below for ensuring the safeguard of Sites used by you. With this Site, we aim to provide security levels which are better than the typical industry wide standards, however due to inherent limitations of the website/ applications, we would be unable to warrant complete security of the data being transferred to us by you.
Please note that by visiting this Site or accessing and/or availing products and services through the Sites you are accepting the practices described in this Privacy Policy, including but not limited to your consent for collecting, using, sharing and disclosing your Personal Information as per this Privacy Policy. You hereby accord and provide your express consent for collecting, using, sharing and disclosing your Personal Information, as described below. If you are not in agreement with these terms, please refrain from availing our Services.
We further clarify that all the terms and conditions have been provided in a separate page is to be treated as co-existing with this Privacy Policy as they are an integral part of this Site usage. If there is any inconsistency between the Terms and Conditions and this Privacy, the terms of this Privacy Policy shall prevail.
This Privacy Policy covers our treatment of Personal Information that we gather or obtain, when you are accessing or using our services (i.e., payment aggregator services to the merchants; offline payments; point-of sales; and any borrowings from regulated and authorized lender that may be offered (collectively known as 'Services'). This policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage.
We do not knowingly collect or solicit Personal Information from anyone under the age of 13 or knowingly allow such persons to register for the Services. If you are under the age of 13, please do not attempt to register for the Services or send any information about yourself to us, including your name, address, telephone number, or email address. No one under the age of 13 may provide any Personal Information to us or on the Services. If we learn that we have collected Personal Information from a child under the age of 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under the age of 13, please contact us at [email protected]
We gather various types of Personal Information from our users, as explained more fully below. We may use this Personal Information to personalize and improve our Services, to allow our users to set up a user account and profile, to contact users, to fulfill your requests for certain products and services, to analyze how users utilize the Services, and as otherwise outlined in this Privacy Policy. We may share certain types of Personal Information with third parties, as described below.
Subject to applicable law, we neither rent nor sell your Personal Information in personally identifiable form to anyone. However, we do share your Personal Information with third parties as described in this Privacy Policy, including with banks, financial institutions, Government bodies, regulators, law enforcement agencies, Courts, and/or credit bureau verification agencies, as may be applicable.
Your account is protected by a password for your privacy and security. If you access your account via a third-party site or service, you may have additional or different sign-on protections via that third-party site or service. You must prevent unauthorized access to your account and Personal Information by: (a) selecting and protecting your password; and (b) appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.
We endeavor to protect the privacy of your account and other Personal Information we hold in our records, but we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time.
The Services may contain links to other sites. We are not responsible for the privacy policies and/or practices on other sites. When following a link to another site you should read that site's privacy policy.
Through your account, we may collect and access following information you've provided to us:
The information you can view, update, and delete may change as the Services change. If you have any questions about viewing or updating information we have on file about you, please contact us at [email protected]
When you use our Sites, you agree and specifically consent that we may, through automated means, access your messages on your mobile phone and use information from your messages to provide you with enhanced services. For example: we may send an automated message from your device to link and verify your phone number to authenticate and authorize payments.
We also receive and collect information from third parties and/or other sources on account of our verification process and fraud detection process we may collect information (subject to applicable laws) such as information from various credit bureau verification agencies, banks and/or financial institutions and other information available publicly.
We may need to collect or receive information about you to provide you with the Services. The type of information can vary depending on the Services. Additionally, you may also and can choose to voluntarily provide information to us. Additionally, we may collect business information for rendering Services to you which shall include collecting information including but not limited to: (i) PAN number; (ii) GST number; (iii) charter documents as per the nature of the entity and information on your business and about the goods and services sold by you such as your prices, inventory and/or other data. You may also choose not to use a particular Service of the Site and opt out of any non-essential communications from IppoPay. Depending on the activity, some of the information we ask you to provide is identified as mandatory and some is identified as voluntary. If you do not provide the mandatory information for a particular activity that requires it, you will not be permitted to engage in that activity.
We collect your information required for operating our business and to improve our Services for the future, improve our marketing and promotional efforts, analyze the Site use, improve our product offerings, to personalise your experience and to provide you a better experience. We understand that if certain third-party account credentials are provided by you, you acknowledge that certain content and information in those accounts may be transmitted into your account with us on your authorization for such transmissions and such third-party account information will be covered under this Privacy Policy.
However, you may choose to not share such information with us but that will restrict your registration on our Site or availability of certain features. If your information is used for any different purpose than the one's listed in this Privacy Policy, we will ask you for your prior consent for such usage.
Subject to applicable law, we do not retain any information collected for any longer than is reasonably considered necessary by us, or such period as may be required by applicable laws, in furtherance to contractual obligations, including as may be required by RBI, SEBI, Courts, law enforcement agencies and other Government bodies.
We require a record of your Personal Information including your name, contact details and address in order to create an account for using the Services offered on IppoPay. If you subscribe for our newsletter during or after signing up, we use your email address to send you updates and the news. In case you do not want to receive such messages/updates from us then kindly click on the unsubscribe link on the bottom of the emails sent by us. Also, your contact number will be used to send SMS alerts on the basis of your interests and also to send transaction alerts.
** IppoPay makes sure that any of your Personal information is not made public or sold to a third party.
We may gather and store your sensitive personal information that you might choose to store in the user account created with IppoPay like bank account information, KYC (know your customer) documents as per RBI norms along with any other applicable information. We do not store card credentials within our database or server (irrespective of it being accessed by merchant or not) except for the limited purpose of transaction tracking; for which, required credentials may be stored in compliance with the applicable standards and law.
Deletion of your information:
You will have an option to delete any information provided by you. Once the stored information is deleted it will automatically get deleted from our servers. IppoPay stores information of the customers opting to make payments through IppoPay and only if the customer himself opts to share the information on the businesses powered with IppoPay, we share the information with such businesses. However, we will not be liable for any misuse of such information by the people related to the business, or the businesses with which such information is shared.
Withdrawal of Consent:
Additionally, you may withdraw your consent provided for collecting any information and Person Information that is stored with us, at any time by sending an email to us at [email protected] Once you have withdrawn consent to use your Personal Information stored with us, we will stop actively processing or storing your Personal Information but may store some necessary information for archival/record keeping purposes in compliance with applicable laws. In such an event, we reserve the right to not allow you further usage of our Site or provide/use any Services thereunder, without any obligations or liability, whatsoever, whether in contract, tort, law, equity or otherwise, in this regard.
By visiting the 'account' section of the Site as a registered user, you can edit your privacy preferences as well as certain Personal Information.
We collect and may also share certain necessary information to a number of different third parties as required for the purposes of providing the Services to you.
The information shared with us shall be shared with any third parties, if required by applicable government authorities and where, any Service requested by you involves a third party, such information as is reasonably necessary by IppoPay to carry out your Service request may be shared with such third party. For example: we may share your information to financial institutions and service providers such as payment processors, card issuers, NBFC partners and banking partners to facilitate transactions. This is in accordance with consent received from you to provide Services offered by IppoPay, ease of accounts creation, contact synchronization, providing customer support, synchronization with other software applications. The third parties may request access to your Personal Information for services requested by you.
Information might be shared with third parties in aggregate related to User behavior in regard to prospective or actual business relationship with third parties like content distributors and advertisers. Also, we might give out your Personal Information with our subsidiaries, parent company, joint ventures or affiliates we have now or may have in the future, in such case they will be required to honor this Privacy Policy.
In case Ippopay or our assets are acquired by another company, that company will also get the rights to your Personal Information along with any other obligations in regard to that information. Further, your Personal information might be disclosed to third parties in good faith when such disclosure is important for reasons such as – enforcing or applying our Terms and Conditions, to take action for suspected illegal activities, to protect our rights or our users, comply with legal requirements such as a court order or search warrant or any similar governmental request.
Where possible, you shall have the option to restrict disclosure to third parties. However, where sharing of information to a particular third party is necessary for providing the Services, you shall not be able to avail such services in case you decide to restrict such disclosure.
Following are the third parties to whom your personal information and/or technical information may be shared with, based on the Services you may opt for:
|
Type of Third Party |
Description |
|
Group companies of Ippopay |
We may share your information to our subsidiaries, affiliates, and group companies in order to efficiently provide certain products and/or services and/or particular features, for internal corporate/business restructuring purposes and audit related purposes etc. in compliance with applicable laws |
|
Payment processing partners, lending partner and third-party vendors |
We may share your information to financial institutions and service providers such as payment processors, card issuers, NBFC partners and banking partners to facilitate transactions. |
|
IT Service Providers |
We may share your information with information technology service providers who are engaged in the provision of information technology services for fulfilling various aspects of the Sites and for research and analytics. |
|
Identity and other information verification providers |
We may share your information to identity and other information verification to complete identification and information verification processes in accordance with applicable laws |
|
Government and regulatory organisations |
We may share your information with the Government, law enforcement agencies, authorities, and regulatory bodies when Ippopay must comply with its legal obligations. |
|
Marketing, business development, and sales partners |
We may share your information with marketing, business development and sales partners for the purpose of improving and carrying out marketing or business development activities to provide better services to you through our Sites. |
We will not use your financial information for any purpose other than to complete a transaction with you.
IppoPay records your information relating to your use of this Site, like the searches made, browser type, IP address, pages viewed, requested URL, location. This kind of information is used to administer our Site and provide high level service as well as security to the users. Further, statistical analysis is also performed from this information of characteristics and user behavior to calculate in and use of the many areas of IppoPay.
We exclusively own the trademarks, copyrights, logos, product and service marks, whether registered or not ('Our IP'). You agree not to use and/or display Our IP in any kind. Anything contained in this Site including the content does not grant in any way, a license interest or right to the user in and/or to Our IP without an expressed written permission from us.
None of the rights, title or interests in any kind of downloaded material is transferred to the user as a result of such copying or downloading. Further, all the intellectual property rights related to this Site as well as its contents are owned by us.
Cookies are tiny pieces of information sent by a website to users' computer's hard drive while the user is viewing the website. Cookies are sent to your computer in order to get a unique identification of your browser as well as for improving our service quality. The information collected in relation to your usage of IppoPay may be used for enforcing, applying as well as investigating our Privacy Policy and Terms and Conditions.
We might use two types of cookies – namely persistent cookies and session cookies. Persistent cookies are the ones which stay on the user's computer until they are deleted whereas session cookies expire once the browser is closed. You can remove persistent cookies by following your browser help file directions. In case you choose disabling cookies, some areas of IppoPay may not work properly or work at all.
The third-party websites/tools used by IppoPay may accumulate anonymous information regarding your visits to the Site with the use of cookies and interaction with IppoPay products and services. Also, your information about visits to IppoPay and other websites might be used by such third parties in order to target advertisements for our Services. However, no Personal Information is accumulated or used in this process. These third parties have no access to the Personal Information of our users such as name, email address, contact number, home address, etc. To opt out of sharing this information with third party websites, users can deactivate cookies. Kindly refer to the help file of your browser to further understand the process of deactivating cookies on your respective browser.
When a user contacts us to record a complaint, ask a query or give feedback, we shall record any Personal Information, or any other content provided in the communication. Such information is stored in order to respond appropriately to your communication.
The Personal Information collected in case of your usage of IppoPay from you may be used in order to investigate, apply or enforce our Privacy Policy and Terms and Conditions.
Any references to third party website hyperlinks, information, names, products or services of third parties mentioned on this Site are mentioned for your ease and in no way imply our sponsorship, recommendation or backing of the third party, information, product or services. Except as set forth herein, your information will not be shared with those third parties, and we are not accountable for their respective privacy policies. We suggest you go through the privacy policy on all such websites.
User accounts on this Site are protected by passwords. IppoPay uses industry standard measures for protecting Personal Information which is stored in our database. All access to your Personal Information is limited to contractors and employees who require access to complete their job function. You hereby agree that IppoPay is not held responsible for any intercepted information sent through the web and hence release us from any claims rising up from or in relation to usage of intercepted information in any unauthorized manner. The Sites have reasonable security measures, including as mentioned in Information Technology Act, 2000 in place to protect the loss or misuse of the information under our control. To protect against the loss, misuse and alteration of the information under its control, Ippopay has in place appropriate physical, electronic and managerial procedures.
We take necessary physical, technical, managerial, and operational measures that are designed to improve the integrity and security of information that we collect and maintain as required by applicable laws of India. In addition, IppoPay follows the payments industry standards regarding the protection of payment card information. We conduct regular audits to maintain the appropriate level of security certification with the Payments Card Information Security Standard Council (PCI), and in compliance with RBI guidelines. IppoPay has put in place procedures to deal with information breach and will notify any applicable regulator or authority of a breach where we are legally required to do so.
We have taken preventive measures to ensure storing data in infrastructure that does not belong to external jurisdictions. Appropriate controls have been considered and implemented to prevent unauthorized access to the data. We have complied with data storage requirements as applicable, as applicable to payment system operators.
This Privacy Policy is subject to changes at any time without prior notice. Kindly review these policies periodically to ensure you are updated on such changes. Any such changes will be instantly effective on the uses of IppoPay. Also, the users are responsible for updating their information including providing us with their recent e-mail address.
In case you do not permit changes in our usage of your Personal Information, you must instantly notify us for deactivating your account with us. Your acknowledgment as well as agreement of such changes will be considered on your part for continued use of IppoPay after any such changes along with acceptance to be bound by the terms and conditions of such changes.
Usage of this Site is constructed and governed according to the laws of India. By using this Site, you agree that any proceedings or legal actions arising from your use may be addressed exclusively in the competent tribunals/ courts.
A designated grievance officer is assigned to address all your concerns or complaints regarding content of this Site, breach of use of this Site or your Personal Information.
Grievance Officer:Raja Das
Email Address: [email protected]
Address: No S-7, Water Tank Road, Arumbakkam, Chennai, 600106, Tamil Nadu
