Privacy Policy

Payos.in (the “Website” or “Platform”) is owned and operated by Payosphere Technologies Private Limited (hereinafter referred to as “we”, “us”, “our”, or “Payos”). We are committed to protecting the privacy and security of our users' personal information.

This Privacy Policy explains how we collect, use, store, process, disclose, and protect your personal information when you access or use our Website, mobile application, payment gateway services, or any other services provided by us (collectively, the “Services”).

This Privacy Policy is published in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDP Act), as applicable.

By accessing or using our Services, you signify your acceptance of this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Services. Your continued use of the Services following any updates to this Policy constitutes your acceptance of the revised terms.

1. User Consent

By registering on the Platform, making payments, or otherwise using the Services, you provide your free, specific, informed, and unconditional consent to the collection, storage, processing, use, and disclosure of your personal information as described in this Privacy Policy.

You may withdraw your consent at any time by contacting us (details provided below), subject to legal or contractual restrictions. Withdrawal of consent may limit your access to certain Services.

2. Information We Collect

We collect the following types of information:

a. Personal Information

Information that can identify you, including:

• Name, email address, phone number, date of birth (if provided), gender, and address.
• KYC details (such as PAN, Aadhaar, or other identity proofs) as required for compliance with RBI guidelines and payment regulations.
• Financial information, including bank account details, credit/debit card details, UPI IDs, or other payment instrument details (processed securely through PCI-DSS compliant third-party gateways; we do not store full card details).

b. Transaction Information

Details related to payments processed through our gateway, such as transaction amount, merchant details, timestamps, IP address, and device information.

c. Automatically Collected Information

• Log data: IP address, browser type, device information, pages visited, and time spent on the Platform.
• Cookies and similar technologies: To enhance user experience, personalize services, and track usage (you can manage cookie preferences in your browser settings).

d. Other Information

Any information you voluntarily provide, such as feedback, support queries, or information shared during account registration or service usage.

We do not collect sensitive personal data unless necessary for providing Services (e.g., for KYC compliance) and always with your explicit consent.

3. Purpose of Collection and Use of Information

We collect and use your information for the following purposes:

• To provide, maintain, and improve our payment gateway and related Services.
• To process transactions, verify identities, and prevent fraud.
• To comply with legal obligations, including RBI regulations, anti-money laundering laws, and KYC requirements.
• To communicate with you (e.g., transaction confirmations, updates, support).
• To personalize your experience and send promotional communications (with your consent).
• For analytics, research, and to enhance security.
• To resolve disputes and enforce our Terms of Use.

We retain your information only as long as necessary for these purposes or as required by law.

4. Sharing and Disclosure of Information

We do not sell or rent your personal information. We may share information with:

• Merchants and payment partners for processing transactions.
• Third-party service providers (e.g., payment processors, cloud storage, analytics) under strict confidentiality agreements.
• Regulatory authorities, law enforcement, or courts as required by law.
• In the event of a merger, acquisition, or business transfer (with notice to you).

All third parties are required to maintain the confidentiality and security of your information.

5. Data Security

We implement reasonable security practices and procedures, including encryption, access controls, and PCI-DSS compliance for payment data, to protect your information from unauthorized access, alteration, disclosure, or destruction.

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to improve functionality, analyze usage, and serve targeted advertisements. You can control cookies through browser settings, but disabling them may affect Service functionality.

7. Your Rights

Under applicable laws, including the DPDP Act, you have the right to:

• Access, correct, update, or delete your personal information.
• Withdraw consent (where processing is consent-based).
• Request a summary of your data being processed.
• File a complaint with the relevant data protection authority.

To exercise these rights, contact our Grievance Officer (details below).

8. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. International Data Transfers

Your information may be processed and stored in servers located in India or abroad. We ensure appropriate safeguards for cross-border transfers as required by law.

10. Changes to This Privacy Policy

We may update this Policy from time to time. Changes will be posted on the Website with the updated date. Your continued use of Services constitutes acceptance of changes.

11. Grievance Officer

For any queries, complaints, or to exercise your rights:

Name: [Insert Name]

Designation: Grievance Officer

Email: privacy@payos.in

Address: Payosphere Technologies Private Limited, [Insert Registered Address]

We will address your concerns within a reasonable timeframe as per law.

Thank you for trusting Payos.in with your payments. Your privacy is important to us.