Privacy Policy
This privacy policy is an electronic digital document and will act as a form of an electronic contract between users and Paykoro under the information technology act, 2000 and the rules made thereunder and the amended provisions about electronic documents/records in various statutes as amended by the information technology act, 2000. This is a digital document and this privacy policy does not require any physical, electronic, or digital signature.
This privacy policy is a document between users and Paykoro (both terms defined below) and it acts as a legal bond. Everyone must agree to this privacy policy to use, browse, or register for these services offered by Paykoro. Anyone using, browsing, browsing, or registering for Paykoro will be considered theyaccept the terms and privacy policies of Paykoro.Anyone who registers for the application or website of Paykoro will agree with the terms of privacy policies of Paykoro. This policy governs and regulates the relationship between Paykoro and its usersfor its use of it in any way possible. This document is published and shall be construed by the provisions of the information technology (reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 under the information technology act, 2000; which require publishing of the privacy policy for the collection, use, storage and transfer of personal information including sensitive personal information.
All must read and understand the privacy policy very carefully before using or accessing any service provided by Paykoro. Users must check the tick boxesto access the services. All are advised to read all the documents thoroughly to understand and agree with the terms. If you do not agree with the terms of this privacy policy, please do not accept the privacy policy and/or use this website. You hereby provide your unconditional consent or agreements to Paykoro as provided under the information technology act, 2000, and the rules and regulations made therein.
Once you provide your personal, sensitive, or non-personal information with us or you access any of the services provided by the Paykoro application or website you hereby consent us to collect, store, use, process, disclose, transfer or transmit any of this information or all of this information by Paykoro and FORMONIX COMMUNICATIONS LLP as specified in the privacy policy. Personal, sensitive, and non-personal information is defined below by Paykoro. If you have any objection regarding these definitions, you may raise your concern to the authority or you should not use the services by Paykoro. You further agree that collection, storage, transfer, and use of your information may not cause any loss or wrongful gain to us, you, or any other person.
Paykoro respects and values the privacy of every person related to us. Paykoro has taken every possible step to protect the information provided to us. However, Paykoro or FORMONIX COMMUNICATIONS LLP and any other person or institutions directly or indirectly, controlled by, controlling, or under common control with, Paykoro or FORMONIX COMMUNICATIONS LLP, ("Paykoro") is/are highly concerned about the privacy of the data and information of users (including merchants and buyers/customers whether registered or non-registered) accessing, offering, selling or purchasing products or services on the websites, mobile sites or mobile applications of a Paykoro ("Website") and otherwise doing business with a Paykoro.
The terms “We” / “Us” / “Our” individually and collectively refer to each entity being part of the definition of Paykoro and FORMONIX COMMUNICATIONS LLP and the terms “You” / “Your” / “Yourself” refer to the users or any other who is accessing, using or dealing with our website.
This Privacy Policy is a digital contract between users and the respective Paykoro and FORMONIX COMMUNICATIONS LLP whose Website You use or access or You otherwise deal with. This Privacy Policy shall be read together with the respective terms of use or other terms and conditions of the respective Paykoro and its respective website or the nature of business of the Website.
Various types of data are collected from the users who are accessing or dealing with FORMONIX COMMUNICATIONS LLPto make our service better and improve our quality to ensure the best service for you. This data may be stored, accessed, used, processed, analyzed, or transferred by us or any other person or institutions directly or indirectly, controlled by, controlling, or under common control with, Paykoro or FORMONIX COMMUNICATIONS LLP. We have taken the highest steps possible to ensure the safety of your information concerned.
Information can be categorized into 3 types, Personal information, sensitive information, and non-personal information. Information is analyzed and processed to know users’responses and the quality of the service we provide to you.The categories of information are described below.
Personal information defines the identity of the person, the data that collectively identifies that particular person. That personal information includes Name, Date of birth, age, location, phone number, email address, IP address, marital status, gender, and any other information provided by you at the time of registration through the website. information provided by You towards complying with know your customer norms, either as part of Our internal policies and as may be required under applicable laws; details that you provided and granted permission to access the data, or uploaded during registration. The data you gave consent to sync, export, or import, your browser information, calendar details, short message service, camera, microphone, or any information set out in this Clause about third parties that are provided to Us, during Your use of the Website.
The personal data may be collected in various ways including during the course of During the use of the website, we may collect the internet protocol address, your location, etc. During registering on the website with personal information;
Availing of certain services offered on the Website. Such instances include but are not limited to making or participating in any online survey conducted by Paykoro or contest broadcasting on our website, contacting the customer service of any Paykoro by phone, email, or otherwise, or posting user reviews on the services/items available on the Website, chatting with customer service through the chat box, our customer care executive may ask various details of your personal information during the conversation for the resolution of your concern, we may store the data availed by you;
We may collect the personal data that is available on social media, and your public profile in the various social media when you connect with Paykoro with your social media handle. We may collect data from a third party also when you link our website to a third-party website that has access to your social media account. We collect your username, your public post, public information on the platform, yourlikes, your username, your friend list, etc.
During any deal with our website be it as a merchant or as a user. When you try to deal with us or in any way connected with us.
You are authorizing Paykoro to collect, store, use and retain such information and content by this Privacy Policy.
We collect sensitive personal information like passwords, financial details, bank account numbers, internet banking user names and passwords, credit card details, debit card details, expiry dates of the cards, medical information, medical history, sexual orientation, biometric details like a fingerprint, insurance details, any other sensitive details provided by you. Provided any such Sensitive Personal data that is freely available or accessible in the public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as Sensitive Personal Information and be regarded as Personal Information.
Your sensitive personal data may be collected in the course of you-
during registering on our website;
during any attempt to register on our website;
during any transaction through our website;
during any attempt to make transactions on our website;
when you make a transaction through AEPS;
when you try to transact through AEPS;
when you try to avail any offers by Paykoro;
during you make a deal as a merchant;
when you access our website as a user;
otherwise dealing with any of Paykoro.
We may collect store and process non-sensitive information like the type of browser, operating system details, your internet service provider details, your telecom service provider details, internet browser cookies, etc.
Your non-sensitive data may be collected in various ways during registering on our website, during any attempt to register on our website, during any transaction through our website, during any attempt to make a transaction on our website, when you make a transaction through AEPS, when you try to transact through AEPS, when you try to avail any offers by Paykoro, during you make a deal as a merchant, when you access our website as a user, during use of cookies, otherwise dealing with any of Paykoro.
Your privacy is our top priority for us. We have taken every measure to ensure the safety of your data. The highest level of encryption has been integrated to protect your data from unwanted third parties. Your personal information, sensitive information and non-sensitive information that we collect from you or you provide to us during any course of action or engagement with in any possible way, are stored in an electronic form or digital form. Without your permission or consent, none of the information will be shared, transferred, or transmitted to anyone. Any Personal Data that we have access to shall never be shared without your consent.
PaykoroYour consent will be sought explicitly whenever we need it in various processes like transactions, product reviews, offerings, product suggestions,or when we need to share your data with third parties. Paykoro only shares your data on a need-to-know basis and partially for various operational purposes to designated personnel or authorized business partners.
We may store, use, access, transfer, transmit, and retain your personal, sensitive, and non-sensitive data on our server, where the data centers are located. We may share your data with third parties who have partnerships with Paykoro or dealing with us as a merchant. All information is stored in India. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force.We will have to share your data with competent/legal/statutory/regulatoryagencies/authorities or partners/service providers acting on our behalf (as the case may be) in various cases.
For enabling the provision of the products/services availed by you, strictly on a “need to know” basis and subject to legal reasons.When Paykoro is directed to share your data by a governmental authority, legal authority, or required by legal/regulatory/statutory/governmentalauthorities/judiciary under any applicable laws/regulations or judicial pronouncement through a legally obligated request.
When you visit our website, access our services, or register on our website, we may store, collect and transfer your data, collect information about you, for the betterment of our services and faster transactions through our website by autofill your details for future transactions, including (but not limited to) your phone number, address, email, billing information, and payment preferences. This information may be shared with third parties which assist in processing and fulfilling your requests, payment gateway processors, and providing you with products/services to better serve your needs and interests. Such sharing shall be by your instructions and subject to appropriate confidentiality and security requirements.
We collect store and use your data for experimental purposes and we process and analyze the data to make a better user experienceand better service providing. Our analytic team gathers users’ information and observes them to understand users’ behavior, their requirements, and the way the service could be better.
We collect name, phone number, and address to make your transaction faster by auto-filling the boxes in further transactions. We also collect the debit card and credit card numbers to auto-fill the options for transactions.
We collect your date of birth, age, and gender to categorize the offers specified for different age groups. We will also analyze data to know the different service requirements for the different age groups.
We collect your geographic location so that we can offer users special services based on their locations.
We may collect your financial details so that Paykoro can avail of special economic offers for users.
We collect your biometric details to conduct AEPS (Aadhaar-enabled payment system) transactions. Which will make the transactions faster and smoother.
We carry various details to make our service better. We closely monitor our users’ behavior to know you better, so that we can serve you better.
Your data is very much safe and highly protected by our encryption system. If you have any concerns related to the security and safety of your data, we are always open to suggestions and you may raise a complaint to the grievance cell which will resolve the matter in the highest priority manner.
Your data is stored in our database. You can always delete the data from our databaseif you do not want to provide us with any more. To delete any data, users have to contact us. After the deletion of an account, the data may still be stored in our database. We keep this data to understand your experience and for any future legal reasons.Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods. You can still delete your data permanently. Just write to us or call us.
Cookies are little fragment information of from your browsers that contain your browsing history, your saved data, your passwords, third-party websites from which you backlinked to our website, etc.
We use cookies to understand your nature and to serve you better.
We do not collect any personal data from cookies.
We will ask for your consent to use your cookies. If you do not wish to let us use the cookies, you should deny it and should not access our website.
We must and do respect everyone’s privacy. Privacy is a constitutional right of every human being. To ensure the privacy of anyone who is registering on our website, who is accessing our website, who is trying to access our website, who is availing services provided by us, who is dealing with us as a merchant, who is in any way connected to us, we have integrated highest level of encryption. To prevent any financial fraud, we closely monitor our security system.
Even after so many security layers, your data can still be lost or stolen by hackers, third-party browser integration, etc. You must be careful while putting your data on our website.
Our website may contain third-party links that can direct you to different websites. Our privacy policy does not follow those websites. So, you must know those websites’ privacy policies to protect your data.
We can update our privacy policy from time to time. Users must stay updated with the new privacy policy.
The user who is accessing our website and services will automatically consider that he or she has read, understand, and agreed to the privacy policy. If you do not agree to our policy, you should not visit our website or access any services provided by FORMONIX COMMUNICATIONS LLP or Paykoro.
