Terms & Conditions

Your Account

As part of the registration process, you will identify an administrative user name and password for your Account.

Acceptable Use

You agree not to:

1. license, sublicense, sell, resell, rent, lease, transfer, assign, distribute, timeshare, disassemble, reverse engineer, decompile or make the Platform available to any third party, other than Users in furtherance of your internal business purposes as expressly permitted by these Terms;
2. modify, adapt or hack the Platform or otherwise attempt to gain or gain unauthorized access to the Platform or related systems or networks;
3. duplicate, mirror, republish or download the whole or any part of the Platform;
4. access the Platform for purposes of benchmarking, creating derivative works based on, or developing or operating products or services in competition with the Platform;
5. use the Platform to store or transmit Sensitive Personal Information;
6. use the Platform to store or transmit Customer Data in violation of applicable laws and regulations, including but not limited to violation of any person’s privacy rights or export control laws/regulations;
7. access it for purposes of creating derivative works based on, or developing or operating products or services for third parties in competition with the Platform and/or Services;
8. use the Platform to store or transmit any content that infringes upon any person’s intellectual property rights or is unlawful, racist, hateful, abusive, libellous, obscene or discriminatory;
9. use the Platform to knowingly post, transmit, upload, link to, send or store any viruses, malware, trojan horses, time bombs or any other similar harmful software;
10. “crawl,” “scrape” or “spider” any page, data or portion of, or relating to, the Platform (through use of manual or automated means);
11. use the Platform for the purposes of cookie tracking, ad exchanges, ad networks, data brokerages, or sending electronic communications (including e-mail) in violation of applicable law;
12. use the Platform to transmit junk, spam, phishing, spoofing, pyramid schemes or other forms of duplicative or unsolicited messages.

2.6. Third Party / Supplier Interactions

Supplier Interactions: When using the Platform, you may enter into correspondence with and purchase goods and/or services from suppliers. Any such activities and associated terms are solely between you and the applicable third-party supplier and we shall have no obligation or responsibility for such correspondence or purchase between you and such third-party supplier.

1. Definitions

• 1.1. Controller— the natural or legal person, public authority, agency or other body which alone or jointly with others determines the purposes and means of the processing of User Data.
• 1.2. End-User— any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
• 1.3. Personal Data— any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
• 1.4. Process— any operation or set of operations which is performed on User Data or on sets of User Data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
• 1.5. Processor— a natural or legal person, public authority, agency or other body which Processes User Data on behalf of the Controller.
• 1.6. Service(s)— shall have the meaning ascribed to it in the Terms of Use.
• 1.7. Subscriber— the natural or legal person that has subscribed to the Service(s) by agreeing to the Terms of Use.
• 1.8. Subscriber Data— any information related to Subscriber other than the Personal Data.
• 1.9. Terms of Use— the binding contract between Us and You which governs the access and use of the Service(s) by You, available at https://paytap.ai/terms.
• 1.10. User Data— includes both Personal Data and Subscriber Data.
• 1.11. Website(s)— the websites that we operate.
• 1.12. You / Your— an identified or identifiable natural person whose User Data we process as a Controller.

Any terms used herein with starting letter capitalized but not defined under Clause 1 here shall have the meaning ascribed to them in the Terms of Use.

Collection of Personal Information

A. When you access the Website, the Personal Information that we directly collect from you includes:

• Telephone number
• E-mail address
• Any other Personal Information that you provide us while accessing our Website.

B. We may also receive your Personal Information while you access our Website indirectly, as follows:

• IP address(es)
• Information about your device
• When you use or view our Website(s), information is collected via your browser’s cookies as described in the Cookies clause.

C. When you use the Services, the Personal Information that we directly collect from you includes KYC details such as Aadhaar card, voter ID card, passport number, driving license and such other Personal Information collected from you at the time of availing the Paytap Platform/Services or PPI cards.

D. We may also receive your Personal Information while you access our Website indirectly, as follows:

• When you log in to our Services using single sign-on services to authenticate your identity, we will collect the Personal Information shared with such a single sign-on service for the purpose of authentication, including your name and email address.
• When you download and/or use the Service(s), we automatically collect information on the type of device you use and the operating system version.

Cookies

You can browse our Website without telling us your name, address or personal details. However, some of our web pages may track certain Personal Information about you based on your behaviour on our Website. This information may include the URL that you just came from (whether this URL is related to our Services or not), which URL you next go to (whether this URL is related to our Services or not), your browser information and your IP address. We may use data collection devices on our Website and Services such as “cookies” on certain aspects to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. Cookies refer to small files placed on your hard drive that assist us in providing our Services. We offer certain features that are only available through the use of a cookie. You are always free to disable our cookies at any time by using your browser options; however, if you turn off cookies you may not be able to use certain features on the Website or the Services, for which we shall not be responsible.

The cookies we use can be categorized as:

1. Essential Cookies: we set essential cookies that enable core functionality such as security, network management and accessibility. You may not opt-out of these cookies. However, you may disable these by changing your browser settings, but this may affect how the Website(s) function.
2. Analytics, Customization and Advertising Cookies: we set these cookies to help us improve our Website(s) by collecting and reporting information on how you use it. The cookies collect information in a way that does not directly identify anyone.

When you visit the Website(s), a cookie banner will be displayed providing additional information about cookies and options to opt out of non-essential cookies or similar tracking technologies as required by applicable laws.

Third Party Websites

When you are using our Website, you may be directed to, or come across links to, other websites that are operated and controlled by third parties that we do not control, and you access these websites at your own risk. We provide links to third-party websites for your convenience only; any links to third-party websites do not imply an endorsement by us to that third-party website. Clicking on links to third-party websites may allow such a third party to collect Personal Information about you. We do not control the use of cookies by third parties nor are we responsible for the contents of any third-party website, including the privacy practices employed by any of these third parties. When you leave the Website, we encourage you to read the applicable privacy statements of that third-party website to determine how they will handle your Personal Information before submitting any Personal Information to such third parties.

Use of Personal Information

A. Users of the Services

• Signing in and authentication: we may use the Personal Information collected from you through single sign-on services to authenticate your identity and help you sign in to the Services.
• Analysis by third parties: we may use the Personal Information collected from you to improve our products and Services, by way of sharing such information with third parties for the purposes of analysis. In the event that we share your Personal Information with third parties, we require all third parties to respect the security of your Personal Information and to treat it in accordance with the law, and such third parties will be contractually restricted from using your Personal Information in any manner other than in helping us.
• Promotional emails or messages: we may periodically send promotional emails or messages about new services, special offers or other information which we think you may find interesting using the email address and phone numbers which you have provided. You may, at any time, modify your subscription preferences.
• Customer service: we may use your Personal Information to resolve disputes that may arise with the use of our Services, help promote a safe service to all the users, measure consumer interest in our Services, detect and protect us against error, fraud and other criminal activity.
• Troubleshooting: we may use your IP address to help diagnose problems with our server and to administer the Website.
• Carry out our obligations: we may collect your Personal Information to carry out our obligations arising from any agreements entered into between you, or your employer, and us, such as allowing our employer clients to evaluate your usage of the Services. We will use the Personal Information we collect directly from you, information about how you use the Service and information about how you connect to the Service for this purpose.
• Notification: we may collect your Personal Information to notify you about changes to the Service and address complaints, comments and issues you have in relation to your use of the Service.
• Prevent illegal activities: we may also collect Personal Information from you to prevent, detect and investigate illegal activities, breaches of any agreements entered into between you and us, and threats to the security of the Service. In the event that any Personal Information is compromised as a breach of security, we will promptly notify you in compliance with applicable law.

Other than the Personal Information collected under clause 1 and for the purposes set forth above for which Paytap shall act as the Controller, for any other processing of Personal Information collected from a User, Paytap will only act as a Processor and such processing will be governed by the agreement between Paytap and the Customer. In such cases, the User’s data privacy questions and requests should be submitted to the Customer in its capacity as the User’s Controller. If the User is an individual who interacts with a Customer using our Services, the User will be directed to contact our Customer for assistance with any requests or questions relating to their Personal Information. We are not responsible for the Customer’s privacy or security practices, which may be different from this notice. Customers to our Services are solely responsible for establishing policies for and ensuring compliance with all applicable laws and regulations, as well as any privacy policies, agreements or other obligations relating to the collection of Personal Information in connection with the use of our Services by Users.

Where your personal information is stored

Your Personal Information which we have collected may be stored and processed in India or any other country in which Paytap or its subsidiaries, affiliates or service providers maintain facilities. We will ensure that the recipient of your Personal Information offers an adequate level of protection that is at least similar to that which is provided under applicable data protection laws. We may transfer information that we collect about you, including Personal Information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. These countries may have data protection laws that are different to the laws of your country and, in some cases, may not be as protective. If you are a resident of the European Economic Area and when your Personal Information is processed outside the EEA, we will ensure that the recipient of your Personal Information offers an adequate level of protection, for instance by (a) entering into standard contractual clauses for the transfer of Personal Information as approved by the European Commission (Article 46 GDPR, 2016), (b) asking you for your prior consent to such international data transfers, or (c) ensuring that the transfer of Personal Information is to a jurisdiction deemed to have an adequate level of protection by the European Commission.

Disclosure of personal information

We may disclose your Personal Information to third parties:

1. In the event that we sell or transfer our business or assets (in part or whole), in which case we may have to disclose your Personal Information to the buyer or recipient of such business or assets. Such buyer or recipient shall be informed of the obligations of privacy as under this Policy and applicable law and shall be required to maintain the same norms of privacy as stated herein. You will be informed via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information. We will endeavour that the transferee who is the recipient maintains measures substantially similar to those under this Policy.
2. We share Personal Information with our third-party service providers that host and maintain our Website(s), applications, backup, storage, payment processing, analytics, marketing and promotions and other services in compliance with applicable laws. These third-party service providers may have access to or process your Personal Information for the purpose of providing these services to us.
3. In order to respond to a subpoena, summons, court order or other legal duty or obligation, requests or demands from law enforcement and government authorities and regulators, or as required by applicable laws as amended from time to time.
4. In order to investigate, prevent or take action regarding suspected or actual prohibited activities, including but not limited to fraud, illegal transactions and situations involving potential threats to the physical safety of any person or to prevent financial loss to any person or entity, including us, our customers, clients and other related parties.

Questions, comments and requests regarding this Policy are welcome and should be addressed to our Grievance Officer, available at privacy@paytap.co.in.