Privacy Policy/Disclaimer

This part sets out the PayMate policy with regard to the personal information of a User of PayMate Express services, obtained from PayMate through its website or from any other means. By accepting this Privacy Policy and the Terms and Conditions, a User expressly consents to PayMate's collection, storage, use and disclosure of this personal information as described herein.

Definitions

"User": shall mean and include a person who registers himself on the PayMate Xpress website to transact or avail of PayMate Xpress services.

"PayMate Associates" shall mean such entities that provide joint services with PayMate, including banks and providers of payment gateways.

User Information

When a User enters into a transaction with PayMate or avails of a PayMate service, then it is likely that PayMate records shall contain any of the following information about the User: - mobile phone number and PIN number; - email address; - some financial information; - information provided by a User with regard to shipping, billing or delivery of goods or services to the User, including his address; - information from a User's interaction with PayMate such as demographic, geographic and navigation data, User's interests, computer and connection information and the like; - additional information sought by PayMate or PayMate Associates and obtained from a User or third parties when conducting checks such as authenticity checks and credit checks. By choosing to provide his personal information, a User consents to the transfer and storage of that information on PayMate/ PayMate Associate servers.

Use of User information

Such information is used to endeavor to improve PayMate services, in order to tailor content to a User's preferences and for the purpose of advertising. PayMate respects the privacy of its Users and is committed to protect such privacy as detailed herein. In addition, a User may encounter "cookies" or other similar devices on a web page. These are data collection devices to help analyze our web flow and measure promotional effectiveness. "Cookies" are small files placed on a User’s hard drive that assist PayMate in providing services to its Users and giving a User information targeted to his interests. Most cookies are session cookies, meaning that they are automatically deleted from a User's hard drive at the end of a session. A User is always free to decline a cookie if his browser permits. A User may also encounter a cookie placed by a third party. PayMate does not control the use of such cookies placed by third parties. When a User utilizes the PayMate website or sends emails or other data, information or communication to PayMate or any of its accredited merchants, the User agrees and understands that such information and data may be communicated through a third party payment gateway controlled by a PayMate Associate through electronic records and a User consents to receive communications via electronic records from such PayMate Associate periodically. Upon registration with PayMate, a User agrees that he shall be contacted on his mobile or e mail address for authentication of a transaction or from time to time about updating his content to provide features which PayMate believes may benefit him or for the purpose of receiving promotional messages. A User's information shall remain with PayMate and PayMate Associates. Further, a limited amount of this information will be available to an advertiser who may use this information to send the User marketing communications. PayMate does not sell or rent your personal information to anyone.

Disclosure of Information

PayMate may also share a User's personal information with any statutory or legal authority as may be required or mandated by that authority. PayMate may disclose personal information when required, such as to respond to legal requirements, enforce PayMate policies or protect anyone's rights, property, or safety. Such information will be disclosed in accordance with applicable laws and regulations. If required by law to do so or if considered necessary to do so for proper management of credit or business risk, PayMate reserves the right to disclose any and all User information, including default in any payments or misuse of the service, to any court of competent jurisdiction, quasi judicial authority, law enforcement agency, relevant wing of the Central Government or State Government, User's employer, credit reference agency, financial institution or any company which is an affiliate or associate or parent or subsidiary of PayMate. The content and advertisements on the PayMate website are provided as part of the PayMate service. A User understands that advertising plays an important role in the provision of this service and that PayMate may, from time to time, send to users, promotional email/SMS about services offered by PayMate and their advertisers. PayMate uses third-party advertisers to put up advertisements on the PayMate website. These advertisers may use information (excluding name, address, email address or telephone number) about a User's visits to this and other websites in order to provide information about goods and services which might interest him. PayMate shall not sell or rent a User's personal information to third parties for their marketing purposes without his explicit consent. PayMate shall comply with the DND regulations as framed form time to time.

Information security

The PayMate website includes links to other websites. Such websites are governed by their respective privacy policies, which are beyond PayMate's control. Once a User leaves the PayMate/ PayMate Associate servers, use of any information provided by the User is governed by the privacy policy of the operator of the site which the User is visiting. That policy may differ from this PayMate policy. All information gathered on the PayMate website is securely stored and access to such information is strictly limited based on need-to-know basis. In addition, details of a User's credit/ debit card number, PIN details for payment or for verification purposes, password and account information are encrypted by PayMate. Further, PayMate does not store the CVV number of a User. However, as effective as the security measures are, no security system is impenetrable. The User is aware of all security risks, including possible third party interception of any of his transactions and statements of account on the internet and the content of his transactions or statements of account becoming known to third parties. The User agrees and undertakes that he shall not hold PayMate/ PayMate Associates liable therefore in any way. The use and storage of any information, including without limitation, the credit card number, PIN, password, account information, transaction activity, account balances and any other information available on the User's internet access device or computer or mobile phone is at his own risk and responsibility. The User furthermore acknowledges and accepts that PayMate may not encrypt all content or communications from and to their website.

General

The User hereby agrees that the application and copies of all documents submitted by a User are and shall remain the sole and exclusive property of PayMate, and PayMate shall not be obliged to return the same to him upon his request. Any unauthorized access to the PayMate web-site is a breach of these terms and a violation of the law. A User agrees not to access PayMate web-sites by any means other than through the interface that is provided by PayMate for use in accessing the same. Any content that maybe restricted or banned by a government order, will be withdrawn during the pendency of that order. PayMate is the sole and absolute owner of all and whatsoever intellectual property rights in the trade mark "PayMate" and "PayMate Xpress" and the design in respect thereof. PayMate will be entitled to take any legal action against any person invading and/or encroaching upon the said rights. This Policy does not apply to the practices of companies that PayMate does not own or control, or to people that PayMate does not employ or manage. PayMate may amend this Privacy Policy at any time by posting the amended terms on this site. If a User has any questions he may write to PayMate online or he may write to PayMate Customer Support at contact@paymate.co.in

Last Updated on: 02 September 2016