Privacy Policy

Welcome to Paykar.io, operated by Paykart Technologies Private Limited (“we,” “us,” or “our”). We value your privacy and are committed to protecting your personal information. This Privacy Policy outlines the types of information we collect, how we use it, and the measures we take to protect your information when you use our website and Android app.

This is an electronic record under Information Technology Act, 2000 and all the rules are applicable. The amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This document does not require any physical or digital signature as it is generated by a computer system.

b) Under the provision of Rule 3 (1) of Information Technology Rules 2011, this document is published. It required the publishing of rules and regulations, privacy policy and terms of usage of paykar.io

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our services.

1. Information We Collect

We collect various types of information to provide and improve our services:

1.1 Personal Information

When you register or use our services, we may collect personal information such as:
– Name
– Email address
– Phone number
– Address
– Date of birth
– Government-issued identification (e.g., Aadhar card, PAN card)

1.2 Financial Information

For transaction purposes, we may collect financial information, including:
– Bank details
– Transaction history

1.3 Usage Data

We automatically collect usage data when you access our services, including:
– IP address
– Browser type and version
– Device information (e.g., device ID, operating system)
– Pages visited and actions taken on our website or app
– Date and time of access

1.4 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to monitor activity on our services and hold certain information. You can control the use of cookies at the individual browser level.

2. How We Use Your Information

We use the collected information for various purposes:
– To provide, operate, and maintain our services
– To process transactions and manage your account
– To communicate with you, including sending updates and notifications
– To personalize your experience and improve our services
– To analyze usage and trends to enhance our services
– To comply with legal obligations and prevent fraud

3. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to outside parties except as described in this policy:

3.1 Service Providers

We may share your information with third-party service providers to perform services on our behalf, such as:
– Payment processors
– Identity verification services
– Customer support
– Marketing and analytics

3.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities (e.g., court orders, government regulations).

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

6. Your Rights

You have the following rights regarding your personal information:
– Access: You can request access to your personal information we hold.
– Correction: You can request correction of inaccurate or incomplete information.
– Deletion: You can request deletion of your personal information.
– Objection: You can object to the processing of your personal information.
– Restriction: You can request restriction of processing your personal information.
– Portability: You can request transfer of your personal information to another service provider.

To exercise these rights, please contact us at [insert contact information].

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website and app. You are advised to review this policy periodically for any changes.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Paykart Technologies Private Limited
Email: [email protected]
Address: 192 Naveen kunj shyam industrial area loni Ghaziabad 201102

9. DISPUTE RESOLUTION AND JURISDICTION
Any dispute related to formation, interpretation and performance of this Policy will be solved through a two-step Alternate Dispute Resolution (“ADR”) mechanism. It is agreed by the Parties. It is further agreed to by the Parties that the contents of this Section shall survive even after the termination or expiry of the Policy and/or Terms.

a) Mediation: If there would be any dispute between the parties, the Parties will attempt to resolve the dispute amongst themselves, with the mutual satisfaction of both Parties. If the Parties are unable to resolve the dispute between themselves within the period of thirty (30) days of one Party communicating the existence of a dispute to the other Party, the dispute will be resolved by arbitration, as detailed herein below;

b) Arbitration: If the Parties are unable to resolve the dispute between them through Mediation, then it will be transferred forward to the Arbitration by a sole arbitrator to be appointed by the Company. The order passed by the sole arbitrator will be valid and binding on both Parties. The costs of proceedings will be borne by the Parties, although the sole arbitrator may, in his/her sole discretion, direct either Party to bear the entire cost of the proceedings. The arbitration shall be conducted in English, and the seat of Arbitration shall be the city of Ghaziabad Uttar Pradesh, India.

The Terms, Policy and any other agreements between the Parties are governed by the laws, rules and regulations of India and it is agreed by the Parties. The Courts at Ghaziabad shall have exclusive jurisdiction over any disputes arising between the Parties.

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This privacy policy is intended to comply with applicable laws and regulations regarding the collection, use, and disclosure of personal information. Your use of our services constitutes your acceptance of this Privacy Policy.