Privacy Policy

At Payos.in ("Payos", "we", "our", or "us"), operated by Payosphere Technologies Private Limited, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our astrology-related services.

By accessing or using Payos.in, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following information:

Personal Information

• Full Name
• Email Address
• Mobile Number
• Date of Birth
• Time of Birth
• Place of Birth
• Gender (optional)
• Account details (if you create an account)
• Information you voluntarily provide while using our services

Payment Information

When you purchase astrology reports or premium services, payments are securely processed through trusted third-party payment gateways. We do not store your debit card, credit card, CVV, UPI PIN, internet banking credentials, or other sensitive payment information.

Automatically Collected Information

We may automatically collect:

• IP Address
• Browser Type
• Device Information
• Operating System
• Cookies
• Usage Data
• Pages Visited
• Date and Time of Access
• Referral URLs

2. How We Use Your Information

We use your information to:

• Generate horoscope, Kundli, Panchang, and astrology reports
• Provide personalized astrology services
• Process payments and subscriptions
• Respond to customer support requests
• Improve our website and services
• Send important service-related communications
• Provide promotional offers and updates (where permitted)
• Detect fraud and maintain website security
• Comply with applicable legal obligations

3. Astrology Services Disclaimer

Astrology is based on traditional beliefs, calculations, and interpretations.

The horoscope, Kundli, numerology, compatibility reports, Panchang, predictions, and other astrology-related content available on Payos.in are provided solely for informational, educational, spiritual, and entertainment purposes.

Users are advised not to rely solely on astrology for making medical, financial, legal, investment, employment, or other significant life decisions. Any decisions taken based on astrology are entirely at the user's own discretion and risk.

4. Cookies

We use cookies and similar technologies to:

• Remember user preferences
• Maintain secure login sessions
• Analyze website traffic
• Improve website performance
• Enhance user experience

You may disable cookies through your browser settings; however, certain features of the website may not function properly.

5. Sharing of Information

We value your privacy and do not sell, rent, or trade your personal information.

Your information may only be shared with:

• Payment Gateway Service Providers
• Cloud Hosting Providers
• Analytics Service Providers
• SMS and Email Service Providers
• Government Authorities or Law Enforcement Agencies when required by law

All such third parties are expected to maintain appropriate confidentiality and security measures.

6. Data Security

We implement reasonable technical, administrative, and organizational security measures to protect your personal information against unauthorized access, misuse, alteration, disclosure, or destruction.

While we strive to use commercially acceptable methods to protect your information, no internet transmission or electronic storage method is completely secure.

7. Data Retention

We retain your personal information only for as long as necessary to:

• Provide our services
• Maintain user accounts
• Process transactions
• Resolve disputes
• Comply with applicable laws and regulatory requirements

Information that is no longer required will be securely deleted or anonymized.

8. Your Rights

Subject to applicable law, you may request to:

• Access your personal information
• Correct inaccurate or outdated information
• Update your account details
• Request deletion of your personal information
• Withdraw consent where applicable
• Opt out of promotional communications

To exercise these rights, please contact us using the details below.

9. Children's Privacy

Payos.in is intended for users aged 18 years and above.

We do not knowingly collect personal information from children. If we become aware that a child has provided personal information, we will take appropriate steps to remove such information.

10. Third-Party Links

Our website may contain links to third-party websites or services.

We are not responsible for the privacy practices or content of those external websites. We encourage users to review the privacy policies of any third-party websites they visit.

11. International Users

If you access Payos.in from outside India, you acknowledge that your information may be transferred to, stored, and processed in India in accordance with this Privacy Policy and applicable laws.

12. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time.

Any updates will be posted on this page with the revised Effective Date. Continued use of the website after such changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us:

Payosphere Technologies Private Limited

Registered Office:
Unit No. 1408, 14th Floor,
Vishwa Plan S Business Park,
Nerul East, Navi Mumbai – 400706, Maharashtra, India.

Website: https://payos.in

Customer Support: +91 83695 22990

Email: payospheretech1010@gmail.com