Privacy Terms for website's & payment's page

Introduction

This Privacy Policy (“Policy”) describes the manner in which PayGlocal Technologies Private Limited and our affiliates (“PayGlocal”, “us”, “we”, or “our”), may collect, use, store, transfer, disclose and process Personal Data (as defined hereunder) provided by you (defined below) or otherwise collect when you use this Website (as defined below) / application and/or our services (“Services”).

Depending on the context, "you", "your" and "user" shall mean the End User (defined below), and/or Visitor:

• When you are directly in a commercial arrangement or transaction with Business User (defined below), wherein your engagement involves the purchase of goods or services from the said Business User utilizing PayGlocal's Services for payment processing, while the direct business relationship with PayGlocal itself is absent, we refer to you as “End Users.”
• When you visit the Website or otherwise communicate with PayGlocal, we refer to you as a “Visitor.”

At PayGlocal, our mission is to provide a secure, highly available and robust payment processing platform to our users and business clients. PayGlocal understands the importance of keeping personal information of its users secure and deals with sensitive, personally identifiable information with care. Our Policy ensures your information is in safe hands and is disclosed to third parties and other entities outside of PayGlocal in accordance with the Policy and the Applicable Law and attempts to prevent misuse thereof.

This Policy is published and shall be construed in accordance with the provisions of Applicable Law and regulations and its amendments, that require publishing of the privacy policy for collection, use, storage, transfer, disclosure of Personal Information. “Personal Data” means and includes all information that can be linked to a specific individual and also includes Sensitive Personal Information (all Personal Data which requires heightened data protection measures due to its sensitive and personal nature), both, hereinafter referred to as “Personal Data,” excluding any information that is freely available or accessible in public domain.

BY USING OUR SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU SHALL BE DEEMED TO HAVE READ, UNDERSTOOD, AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS POLICY AND AGREE TO BE BOUND BY THE POLICY. YOU HEREBY CONSENT TO OUR COLLECTION, USE, SHARING AND DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS POLICY. WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD OR DELETE ANY PORTIONS OF THE TERMS OF THIS POLICY, AT OUR SOLE DISCRETION, AT ANY TIME. IN THE EVENT YOU DO NOT AGREE WITH THIS POLICY AT ANY TIME, YOU SHALL DISCONTINUE THE USE OF THE PLATFORM OR SHARING YOUR INFORMATION.

Definitions

"Applicable Laws" shall mean and include the Digital Personal Data Protection Act, 2023, Information Technology Act, 2000, the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002 and any other applicable rules and regulations issued thereunder and having the force of law in India, whether in effect as of the date of this Policy or thereafter, as applicable to us.

"Business User" shall mean and include the entity availing the Services, and directly and indirectly providing us with End User’s Personal Data.

“Website” shall mean and include websites and payment processing web pages such as www.PayGlocal.in, Pygcl.com, and Payglocal.com, and all other sub-domains associated with these websites.

Information That We May Collect:

Our collection and use of Personal Data shall depend on whether you are acting as a End User, or Visitor and the Services you avail.

We collect or receive information you provide when you apply, use or sign up for our Services and/or Website. The types of information we obtain in these contexts include:

• Contact Information: such as your name, email address, mailing address, and mobile/phone number.
• Demographic information: such as date of birth, country of citizenship and/or country of residence.
• Profile Information: when you apply, use or sign up on our Website and/or use our Services, signature, and authentication credentials (for example, the information you used to log in to your account), including IP address.
• Financial Information: such as bank account, payment card numbers, credit reports, and other publicly available information.
• Transaction Information: when you use our Website or any 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.
• Feedback and correspondence: such as information you provide when you request information from us, receive customer support, or otherwise correspond with us, including by interacting with our pages on social networking online sites or Services.
• Geolocation information: if you authorize us to access your location.
• Marketing information: such as your preferences for receiving marketing communications and details about how you engage with our marketing communications.
• Other information: we also receive other information about your past payment pattern and online profile and related activity as well as information about your device and geolocation such as IP address, device fingerprint from your device or through our Business User's integration with PayGlocal products and Services as per our contractual terms with them. This information is strictly used for risk assessment and fraud prevention or fraud screening purposes in accordance with this Policy.

Information that we collect or receive from other sources: We may collect or receive information about individuals who do not interact with us directly or from third parties, including:

• Identity Verification: Information from third-party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources. In some circumstances, where lawful, this information may include your government-issued identification number.
• Information about End Users that our Business Users allow us to collect in the context of the services that we provide, such as information related to financial transactions initiated by the End Users, account registrations, and in some cases information needed to verify an End Users' identity and details of products or services purchased, and as otherwise stated in the applicable policy for the services and/or products provided. Where our technology is incorporated into a Business User's mobile application or website, we also may automatically collect certain information as mentioned in “Information collected via automated means."
• Information obtained when processing transactions, such as information about payment transactions.
• Information collected from private and publicly accessible sources: we may collect information about individuals that is publicly available, including by searching publicly accessible government lists of restricted or sanctioned persons (such as the Specially Designated Nationals and Blocked Persons List), public records databases (such as company registries and regulatory filings), and by searching media and the internet. We and or our third-party verification providers may also collect information from private or commercially available sources, such as by requesting reports or information from credit reference and fraud prevention agencies to the extent permitted under Applicable Law.

Information collected via automated means:

• When you access our Website, our service providers, and our partners may automatically collect information about you, your computer or mobile device, and your activity on our websites or mobile applications.
• This information may include:
  • Your computer or mobile device operating system type and version number, manufacturer and model, device identifier (such as the Google Advertising ID or Apple ID for Advertising), browser type, screen resolution;
  • IP address;
  • the website you visited before browsing our website, general location and information about your use of and actions on or in our platform, access times, and length of access.
  • Certain products or services that we provide, or that the Business Users may incorporate into their websites or mobile applications, may automatically collect additional information.

Cookies: Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer's hard drive. We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services

Third Party Services: We may use third party services such as Google Analytics that collect, monitor and analyze information in order to increase our products and Services' functionality. These third party service providers have their own privacy policies addressing how they use such information.

Sharing of Information

With third-party service providers:We may employ third-party companies and individuals to administer and provide services on our behalf (such as companies that provide customer support, companies that we engage to host, manage, maintain, and develop our Website, mobile applications, and IT systems, and companies that help us process payments). These third parties may use your information only as directed by us and in a manner consistent with this Policy and are prohibited from using or disclosing your information for any other purpose.

Participants in the transaction processing chain:We may share your Personal Data with entities in the transaction processing chain in connection with processing a payment transaction, such as merchants, banks or other card issuers, card associations, debit network operators and their members.

Credit reference, fraud protection, risk management, and identity and verification agencies:We share Personal Data with credit reference, fraud protection, risk management, and identity verification agencies to help guard against, detect, and respond to fraud or money laundering, and/or manage our or our Business User's risk, and ensure we comply with contractual, legal, or regulatory requirements.

Compliance with Laws and Law Enforcement; Protection and Safety:We may disclose information about you to government or law enforcement officials (including tax authorities) or private parties as required by law, and disclose and use such information as we believe necessary or appropriate to (a) comply with applicable laws and lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; (b) enforce the terms and conditions that govern our products and services; (d) protect our rights, privacy, safety or property, and/or that of you or others; and (e) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.

With your consent:We reserve the right to transfer your Personal Data to any third party not explicitly encompassed within the categories outlined above, provided you have granted us explicit permission to undertake such a transfer, or in instances where a contractual arrangement exists between you and the third party, necessitating the transfer of your Personal Data to fulfill the obligations of said contract.

Your Rights

We recognize the importance of your right to control the usage of your Personal Data. We provide you with multiple ways to exercise your right over the usage of your Personal Data.

• Right to access: You have the right to request and obtain information from us to receive a summary and an overview of the processing activities of the Personal Data being processed by us. You can also learn about the identities of any other third-party service providers with whom your Personal Data has been shared. However, such right shall not be applicable in cases where your Personal Data has been shared with another third-party service provider authorized by law to obtain such Personal Data.
• Right to modification: you have the right to request us to correct, complete or update Personal Data we possess about you.
• Right to Erase: you can ask us to delete, remove or opt-out the Personal Data that has no reason for us to retain or process for the purpose of the Services availed. Further, you may expressly opt-out from the Services provided by PayGlocal at any time. Additionally, you can refrain us from processing certain information as you feel it violates your fundamental rights and freedom. However, such right shall not be applicable unless retention of the same is necessary for the specified purpose or for compliance with any law for the time being in force.
• Right to opt out of receiving marketing mails:you have the right to opt out of receiving marketing messages and emails at any time by unsubscribing from our email list.
• Right to limit the use or sharing of sensitive personal information:you have the right to limit the use and/or sharing of your sensitive Personal Data with our third parties at any time by writing to us.
• Right to withdraw Consent: You may withdraw the consent for processing your information at any time. If you withdraw your consent, we may not be able to provide certain Services to you. We will advise you if this is the case at the time you withdraw your consent. You may submit these requests by writing to us at privacy@payglocal.in.
• Right to nominate: You also have the right to nominate any other individual, who shall, in the event of your death or incapacity exercise the rights provided hereunder.

Children's Data

PayGlocal's platforms are not directed to children, and PayGlocal does not knowingly collect information from children under the age of 18. We may collect data from children over 18 who are allowed by law to interact with PayGlocal. If you believe that we are processing a child's information inappropriately, please contact us on privacy@payglocal.in

Grievance Mechanism

If you have questions or comments about our privacy practices, or if you would like help exercising your privacy rights, please contact us. You can: