banner

PRIVACY POLICY

When you use our website / mobile App, you trust us with your personal data. We India1 Payments Limited (‘India1 Payments”) are committed to keeping that trust and protect said personal data to the industries best practices. This policy is applicable to users of Indai1 Payments’s services, including users of its apps, websites, features, or other services.

This Privacy Policy is published and shall be construed in accordance with the provisions of Indian laws and regulations including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 under the Information Technology Act, 2000 and its Amendments; that require publishing of the privacy policy for collection, use, storage, transfer, disclosure of Personal Information. Please note, we do not offer any product/service under our Platform outside India. If you do not agree with this Privacy Policy, please do not use or access our Platform.

Collection Of Personal Information

We may collect the following information while providing services to its user;

A. Personal Data: Includes;
(a) Personal details like name includes father name, mother name, spouse name, mobile numbers, demographic details including residential address and date of birth.
(b) KYC details such as identity proof& address proof such as PAN card / Voter ID and/or driving license.
(c) voice recordings of our conversations with our customer compliant team or customer care with you to address your queries/grievances;excluding any information that is freely available or accessible in public domain.

B. Sensitive Personal Data: are financial information (such as bank account number or credit card or debit card details or UPI id and other payment instruction details), excluding any information that is freely available or accessible in public domain.

Both Personal data & Sensitive Personal Data are considered as Personal Data for convenient of this Policy

Storage Of Personal Data

India1 Payments store and process users Personal Data exclusively in India as per RBI circular in respect of the Storage of Payment System Data. India1 Payments data center and systems also maintain backup and disaster recovery systems in India and it will be audited from time to time.

Sharing Of Your Personal Data

Any Personal Data that India1 Payments had access to will never be shared without your consent.India1 Payments seek your explicit consent to use / share your Personal Data.

India1 Payments during the course of its business, share the data for internal use only on “need-to-know” basis to respective personnel or partners or service providers.

India1 Payments will share your data with competent/ legal/ statutory/ regulatory agencies / authorities in following cases:

  • Verification of identity on strictly “need to know” basis.
  • it is directed or required by legal/regulatory / statutory / governmental authorities / quasi government authorities under applicable laws/regulations though a legally obligated.
  • it is required by banks/financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

Usage Of Your Personal Data

India1 Payments use your Personal Data to perform, among other actions, as following:

  • to facilitate the transactions or report on these transactions to NPCI/RBI;
  • to perform market analysis, research, business, operational analysis etc., for internal use.
  • to process and/or share your personal information, with other intermediaries, Regulated Entities (REs)or financial institutions or with any other service providers as may be required
  • improving our services and their security and service quality;
  • to check and process your transaction and/or instructions or requests received from you in respect of these services;
  • to share with you, selective offers, promotional or marketing services and their terms and conditions;
  • to take up or investigate any complaints/claims/disputes;
  • to respond to your queries or feedback submitted by you;
  • to verify your identity for us to provide services to you;
  • to reconcile, monitor and review services from time to time;
  • to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
  • for conducting audits and for record keeping purposes;

We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us. For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to location, phonebook, camera, gallery. The information that we request will be retained by us and used as described in this privacy policy. We would also like to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Removal Of Your Personal Data

India1 Payments retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed or deleted of by us except for any record retention required as per Direction and Operation of Payment & Settlement System.

Cookie Policy

  • "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
  • India1 Payments may use cookie and tracking technology depending on the features offered.
  • At no given time Personal Data will be collected via cookies and other tracking technology; nevertheless, if you previously provided Personal Data, cookies may be tied to such information.

Links To Other Websites

India1 Payments website or mobile App may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other websites’ privacy policies when visiting these websites. That policy may differ from ours and you are requested to review those policies or seek access to the policies from the domain owner before proceeding to use those applications or websites. We do not accept any responsibility or liability for usage of your Personal Information by these third parties or their policies.

Storage And Retention

To the extent applicable, we store Personal Information within India and retain it in accordance with applicable laws and for a period no longer than it is required for the purpose for which it was collected. However, we may retain Personal Information related to you if we believe it may be necessary to prevent fraud or future abuse or if required by law such as in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect or for other legitimate purposes.

Once the Personal Information has reached its retention period, it shall be deleted in compliance with applicable laws.

Reasonable Security Practices And Procedures

India1 Payments adopt and take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorized access, modification or disclosure. India1 Payments use latest secure server layers encryption and access control on our systems and international standard Our safety and security processes are audited by a third-party cyber security audit agency from time to time.

India1 Payments observe reasonable security measures to protect your Personal Data on all our digital platforms and internet connections, security risks may still arise for reasons outside of our control such as hacking, virus disseminations, force majeure events, breaches of firewall and secure server software etc. Please note that the above-mentioned measures do not guarantee absolute protection to the Personal Data.

Further, you are responsible for maintaining the confidentiality and security of your login id and password. Please do not share your login, password, and OTP details with anybody. It shall be your responsibility to intimate us in case of any actual or suspected compromise to your Personal Information.

Consent

We process your Personal Information with consent. By using the India1 Platform or services and/or by providing your Personal Information, you consent to the processing of your Personal Information by India1 in accordance with this Privacy Policy. If you disclose to us any Personal Information relating to other people, you represent that you have the authority to do so and permit us to use the information in accordance with this Privacy Policy.

You can access and review your Personal Information shared by you by placing a request with us. In addition, you may at any time revoke consent given to us to store your personal information. Upon such revocation, you may lose access to services that were availed on the basis of the consent provided. In some cases, we may continue to retain your information as per the ‘Storage and Retention’ section of this Policy. To raise any of the above requests, you may write to us [email protected].

In case you wish to delete your account or Personal Information, please use the ‘My Profile’ section of the ‘India1 Payments’ Platform. However, retention of your Personal Information will be subject to applicable laws.

Choice/Opt-Out

We provide all users with the opportunity to opt-out of receiving any of our services or non-essential (promotional, marketing-related) communications from us, after setting up an account. If you want to remove or modify your contact information from all our lists and newsletters or discontinue any our services, please click on the ‘STOP’ button on the Whatsapp message.

Children’s Acknowledgement

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.

Grievance Redressal Process

You may contact us in case of any discrepancies/grievances with respect to your Personal Data, by writing to our Grievance Officer at [email protected].

Policy Review & Updates

This policy will be reviewed by us as and when required and the same may change at any time. The latest & most updated policy can always be found at https://digitalweb.india1.co.in/, www.india1atm.in and mobile app

This privacy policy is subject to change based on business, legal and regulatory requirements. You are kindly advised to review the policy periodically to keep yourself abreast of any changes to the policy. In this policy, the words “we”, “our” and/or “us” refer to India1 Payments Limited and “you” and/or “your” refer to our User.

Declaration

I hereby authorize to send notifications on SMS/WhatsApp Messages/Promotional/ Google RCS messaging /Informational messages/Outbound dialer calls.

Feedback

India1 Payments request its user in case of any feedback or concern regarding this policy you may contact us at [email protected]