This privacy policy applies to your use of the website of PayUGuru hosted at payu.guru, the Services (as defined under the PayUGuru "Terms of Use") and PayUGuru applications on mobile platforms (Android, Windows, IOS etc.), but does not apply to any third-party websites that may be linked to them, or any relationships you may have with the businesses listed on PayUGuru. For the purpose of this Privacy Policy, the user of Services may be merchants/sellers/billers, customers/buyers/ consumers, or any other persons using Services or accessing Sites (“User”, “you” or “your”).This Privacy Policy will help you understand our policies and procedures regarding the collection,handling and use of your information. As the payments services are significantly dependent upon data or information shared by Our customers, we are committed to ensuring a secure environment for the processing of personal and sensitive personal information ("Personal Data" as defined hereunder)collected by Us from Our stakeholders.
PayUGuru collects, receives and stores your Personal Information. If you provide your third-party account credentials ("THIRD PARTY ACCOUNT INFORMATION") to us, you understand that some content and information in those accounts may be transmitted to your account with us if you authorise such transmissions and that Third Party Account Information transmitted to us shall be covered by this Privacy Policy. You may opt to not provide us with certain information, however that will restrict you from registering with us or availing some of our features and services.
PayUGuru uses commercially reasonable efforts to ensure that the collection of Personal Information of users is limited to only those, which are necessary to: help promote a safe service, calibrate consumer interest in our products and services, inform you about online offers and updates, troubleshoot problems, customize user experience, detect and protect us against error, fraud and other criminal activity, collect money, enforce our terms and conditions, and any others for the better functioning of the service. Any plan on the part of the gateway to use any other information of the user, in a manner different than the purpose for which it is collected, such information will be accessed only upon prior consent to such use, especially through revised Privacy Policies which are sent for the user acceptance from time to time.
If you create an account to take advantage of the full range of services offered on PayUGuru, we ask for and record-
We should clarify that all information stored by us is in accordance with our PCI DSS Certification. PayUGuru assures that your Personal Information will not be made public or sold to any third party.
The User shall have an option to erase any information provided by the User including Personal Information. If a user opts for the said option of erasure, PayUGuru shall delete all stored information of the User from its servers.
| Types of Personal Data | Purpose | Details of Personal Data |
|---|---|---|
| Name and Contact Information | For providing payment aggregation, payouts and verification services to Our merchants, business partners and end-customers. | Full name(s), title, age, user ID, gender and Your date of birth. Telephone/mobile number(s), address(es), state/city of residence, country, pin code, email address(es), and chosen billing address(es). |
| Financial Information | Account Registration | Personal bank account numbers, including e-nach, NEFT, IMPS and UPI ID details, tokenized card information, card type, expiry date on the credit or debit card, and name on the card. |
| Provide a Loan on your requirement | For providing payment aggregation, payouts and verification services to Our merchants and business partners and to comply with screening requirements as per Applicable Laws. | Know Your Customer (KYC) documents including all proofs of identity and address, photograph, Permanent Account Number (PAN), GST Number, etc. |
| Payments related data | For providing payment aggregation, payouts and verification services to Our merchants, business partners and end-customers and to comply with screening requirements as per Applicable Laws. | Payment gateway ID, name of issuing bank, merchant’s name, category and other identifiers along with the details of products or services purchased or paid for, mode of payment, the date, currency and amount of the transaction(s), whether the payment was successful, and other information provided by You directly or indirectly to Us or provided to Us by banks, merchants or other service providers or business partners. |
| Log Data | Statistical analyses of User behaviour and characteristics in order to measure interest in and use of the various areas of Our Services provided to You. | Browser type, IP address, location, requested URL, referring URL, timestamp information, application, device, versions and configurations, operating systems, device brand and model, geo-location information, unique identifiers associated with Your device(s) and pages that You access on the website(s) to access or avail Our Services and paths taken. |
| Credit related Information | For providing payment aggregation, payouts and verification services to Our merchants that are financial institutions or account aggregators under Applicable Laws, Our business partners and third-party service providers and end-customers. | Your credit related information or assessment provided by third parties such as financial institutions or account aggregators under Applicable Laws including Our business partners and third party service providers. |
| Information provided by You directly to Us or received through Our merchants, business partners and third party service providers | We may use third party services such as Google Analytics, who may collect, monitor and analyze this type of information in order to facilitate Our Services, to provide the Service on Our behalf, to perform Service-related services or to assist us in analyzing how Our Services are used. Your information may also be used to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email that We send. | Account usernames and passwords; Your email address; Your preferred settings and themes, Communications with customer support, promotional and marketing campaigns, surveys, and records of Your subscriptions to marketing materials, or withdrawal, as the case maybe.(Note: 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 Service. We do not control the use of cookies by third parties. The third party service providers have their own privacy policies addressing how they use such information.) |
| Your Device Information | We may collect Your device information in order to gain insights about Your use of Our website or Services, to provide a customized experience, and to show targeted advertisements. | Your contact list, call records, SMS, media files and location data in Your devices to enable You to access Our Services after seeking necessary permissions. |
| One Time Password (OTP) | For enabling you to make quicker transactions and relieving you from the hassle of copying/keying in the Numeric Numbers OTP, we have developed advance technologies which would automatically retrieve the OTP and the mention the same in the relevant column of the transaction page. | Your contact list, call records, SMS, media files and location data in You |
The term "cookies" refers to small pieces of information that a website sends to your computer's hard drive while you are viewing the site. We may use both session cookies (which expire once you close your browser) and persistent cookies (which stay on your computer until you delete them). Persistent cookies can be removed by following your browser help file directions. If you choose to disable cookies, some areas of PayUGuru may not work properly or at all. PayUGuru uses third party tools, who may collect anonymous information about your visits to PayGuru using cookies, and interaction with PayUGuru products and services. Such third parties may also use information about your visits to PayUGuru products and services and other web sites to target advertisements for PayUGuru's products and services. No Personal Information is collected or used in this process. These third parties do not know or have access to the name, phone number, address, email address, or any Personal Information about PayUGuru's Users. PayUGuru Users can opt-out of sharing this information with third parties by deactivating cookies, the process of which varies from browser to browser.
Your Personal Data may be shared, without obtaining prior consent, with Government agencies mandated under the Applicable Laws or any law in India to obtain Your Personal Data for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences. In which case, the Government agency or authority sends a request to Us stating the purpose of seeking Your Personal Data.
Your Personal Data so obtained by the Government agency or authority is not published or shared with any third party, unless the disclosure to any third party is required by an order under the Applicable Laws or any law in India for the time being in force.
Your account is password protected. We use industry standard measures to protect the Personal Information that is stored in our database. We limit the access to your Personal Information to those employees and contractors who need access to perform their job function, such as our customer service personnel. If you have any questions about the security on PayUGuru, please contact us at info@payu.guru.
Your use of this Website will be governed by and construed in accordance with the laws of India. The Users agree that any legal action or proceedings arising out of your use may be brought exclusively in the competent courts/tribunals having jurisdiction in Nagpur Maharashtra in India and irrevocably submit themselves to the jurisdiction of such courts/ tribunals.
We retain Your Personal Data for no longer than is required for the purposes for which Your Personal Data is collected or for the period required to be maintained under the Applicable Laws. This largely means that the data may be retained even if the merchant is inactive, and in case of an individual using the gateway for such period of time as is deemed essential for smooth functioning of the services to the customers and for regulatory compliance.
We do not knowingly solicit or collect Personal Information from children under the age of 18 and use of our Platform is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you must use the Platform or services under the supervision of your parent, legal guardian, or any responsible adult.
If you have any questions, queries, concerns or feedbacks about this privacy policy or our privacy related practices, please feel free to contact us at on the ‘contact us’ page at www.payguru.com/contactus.
In case of any grievance relating to the collecting, receiving, possessing, storing, dealing or handling of Personal Information provided by you, you may contact our Grievance Officer at the following address:
Attn: __________,
Chief Compliance Officer,
PayUGuru Payments Private Limited,
Pune, Nagpur, Maharashtra, 440002, India
Phone: _________
Mail: CCO.payguru@gmail.com