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.
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]
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.
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.
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.
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
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.
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.
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.
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.
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