Introduction to Privacy Policy
This privacy policy (the "PRIVACY POLICY") applies to your use of the website of
Paylotus hosted at Paylotus.in, the Services (as defined under the Paylotus "Terms of Use") and
Paylotus applications on mobile platforms (Android, Blackberry, Windows Phone, iOS etc.)
(collectively ("PAYLOTUS" or "WEBSITE")), but does not apply to any third party websites that
may be linked to them, or any relationships you may have with the businesses listed on Paylotus.
The terms "WE", "OUR" and "US" refer to Paylotus and the terms "YOU", "YOUR" and "USER" refer to
you, as a user of Paylotus. The term "PERSONAL INFORMATION" means information that you provide
to us which personally identifies you to be contacted or identified, such as your name, phone
number, email address, and any other data that is tied to such information. Our practices and
procedures in relation to the collection and use of Personal Information have been set-out below
in order to ensure safe usage of the Website for you.
We have implemented reasonable security practices and procedures that are commensurate with the
information assets being protected and with the nature of our business. While we try our best to
provide security that is better than the industry standards, because of the inherent
vulnerabilities of the internet, we cannot ensure or warrant complete security of all
information that is being transmitted to us by you. By visiting this Website, you agree and
acknowledge to be bound by this Privacy Policy and you hereby consent that we will collect, use,
process and share your Personal Information in the manner set out herein below. If you do not
agree with these terms, do not use the Website.
It is clarified that the terms and conditions that are provided separately, form an integral
part of your use of this Website and should be read in conjunction with this Privacy Policy.
Information we collect and how we use it
We collect, receive and store your Personal Information. If you provide your third-party account
credentials ("THIRD PARTY ACCOUNT INFORMATION") to us, you understand that some content and
information in those accounts may be transmitted to your account with us if you authorise such
transmissions and that Third Party Account Information transmitted to us shall be covered by
this Privacy Policy. You may opt to not provide us with certain information, however that will
restrict you from registering with us or availing some of our features and services.
We use commercially reasonable efforts to ensure that the collection of Personal Information is
limited to that which is necessary to fulfill the purposes identified below. If we use or plan
to use your information in a manner different than the purpose for which it is collected, then
we will ask you for your consent prior to such use.
The Personal Information collected will be used only for the purpose of enabling you to use the
services provided by us, to help promote a safe service, calibrate consumer interest in our
products and services, inform you about online offers and updates, troubleshoot problems,
customize User experience, detect and protect us against error, fraud and other criminal
activity, collect money, enforce our terms and conditions, and as otherwise described to you at
the time of collection of such information.
Account information of Merchants
If you create an account to take advantage of the full range of services offered on Paylotus, we
ask for and record Personal Information such as your name, email address and mobile number. We
may collect and store your Sensitive Personal Data or Information (such as any financial
information including inter alia credit card, debit card details, bank account and know your
customer ("KYC") documents as per RBI regulations and any other information as may be
applicable) that the User may opt to save in the User account created with Paylotus]. We use
your email address to send you updates, news, and newsletters (if you willingly subscribe to the
newsletter during signup, or anytime after signup) and contact you on behalf of other Users
(such other Users who send you friend requests, personal messages, or other social collaboration
based events). [If you do not want to receive communications from us that are not relevant to
you or your use of our services, please click on the unsubscribe link provided at the bottom of
such e-mails sent to you by us. We use your mobile numbers to send you transaction alerts and
SMS alerts based on your preferences. If you do not wish to receive such SMSs from us, please
notify us at Paylotus.in/support to stop receiving SMSs from us. Paylotus assures that your
Personal Information will not be made public or sold to any third party.
The User shall have an option to erase any information provided by the User including Personal
Information. If a User opts for the said option of erasure, Paylotus shall delete all stored
information of the User from its servers.
Customer Information
We also store customer information of customers such as address, mobile number, Third Party
Wallet details, Card Details and email address making payments through Paylotus checkouts.
However, only when customer chooses to share the information on the businesses powered with
Paylotus applications we share the information to respective businesses. However, Paylotus is
not liable in any way for any misuse of this information by the business or people related to
the businesses to whom the information is shared by the customer.
Activity
We record information relating to your use of Paylotus, such as the searches you undertake, the
pages you view, your browser type, IP address, location, requested URL, referring URL, and
timestamp information. We use this type of information to administer Paylotus and provide the
highest possible level of security and service to you. We also use this information in the
aggregate to perform statistical analyses of User behavior and characteristics in order to
measure interest in and use of the various areas of Paylotus. However, you cannot be identified
from this aggregate information.
We own all the intellectual property rights associated with the Website and its contents. No
right, title or interest in any downloaded material is transferred to you as a result of any
such downloading or copying. The Website is protected by copyright as a collective work and/ or
compilation (meaning the collection, arrangement, and assembly) of all the content on this
Website, pursuant to applicable law.
Our logos, product and service marks and/ or names, trademarks, copyrights and other
intellectual property, whether registered or not ("OUR IP") are exclusively owned by us. Without
our prior written permission, you agree to not display and/ or use Our IP in any manner. Nothing
contained in this Website or the content, should be construed as granting, in any way to the
User, any license or right or interest whatsoever, in and/ or to Our IP, without our express
written permission.
Cookies
We send cookies to your computer in order to uniquely identify your browser and improve the
quality of our service. The term "cookies" refers to small pieces of information that a website
sends to your computer's hard drive while you are viewing the site. We may use both session
cookies (which expire once you close your browser) and persistent cookies (which stay on your
computer until you delete them). Persistent cookies can be removed by following your browser
help file directions. If you choose to disable cookies, some areas of Paylotus may not work
properly or at all. Paylotus uses third party tools, who may collect anonymous information about
your visits to Paylotus using cookies, and interaction with Paylotus products and services. Such
third parties may also use information about your visits to Paylotus products and services and
other web sites to target advertisements for Paylotus's products and services. No Personal
Information is collected or used in this process. These third parties do not know or have access
to the name, phone number, address, email address, or any Personal Information about Paylotus's
Users. Paylotus Users can opt-out of sharing this information with third parties by deactivating
cookies, the process of which varies from browser to browser. Please refer to the help file of
your browser to understand the process of deactivating cookies on your browser.
Enforcement
We may use the information we collect in connection with your use of Paylotus (including your
Personal Information) in order to investigate, enforce, and apply our terms and conditions and
Privacy Policy.
Transfer of information
We do not share your Personal Information with any third party apart from financial institutions
such as banks, RBI or other regulatory agencies (as may be required) and to provide you with
services that we offer through Paylotus, conduct quality assurance testing, facilitate creation
of accounts, provide technical and customer support, or provide specific services, such as
synchronization of your contacts with other software applications, in accordance with your
instructions. These third parties are required not to use your Personal Information other than
to provide the services requested by you.
We may share your Personal Information with our parent company, subsidiaries, joint ventures, or
other companies under a common control (collectively, the "AFFILIATES") that we may have now or
in the future, in which case we will require them to honor this Privacy Policy. If another
company acquires our company or our assets, that company will possess your Personal Information,
and will assume the rights and obligations with respect to that information as described in this
Privacy Policy. We may disclose your Personal Information to third parties in a good faith
belief that such disclosure is reasonably necessary to (a) take action regarding suspected
illegal activities; (b) enforce or apply our terms and conditions and Privacy Policy; (c) comply
with legal process, such as a search warrant, subpoena, statute, or court order; or (d) protect
our rights, reputation, and property, or that of our Users, Affiliates, or the public. Please
note that we are not required to question or contest the validity of any search warrant,
subpoena or other similar governmental request that we receive.
We may disclose information in the aggregate to third parties relating to User behavior in
connection with actual or prospective business relationship with those third parties, such as
advertisers and content distributors. For example, we may disclose the number of Users that have
been exposed to, or clicked on, advertising banners.
Links
References on this Website to any names, marks, products or services of third parties or
hyperlinks to third party websites or information are provided solely for your convenience and
do not in any way constitute or imply our endorsement, sponsorship or recommendation of the
third party, information, product or service. Except as set forth herein, we do not share your
Personal Information with those third parties, and are not responsible for their privacy
practices. We suggest you read the privacy policies on all such third party websites.
User access of Personal Information
As a registered Paylotus User, you can modify some of your Personal Information and your privacy
preferences by accessing the "Account" section of this Website.
Security
Your account is password protected. We use industry standard measures to protect the Personal
Information that is stored in our database. We follow industry standard best practices on
Information Security, as also mentioned in our website. We limit the access to your Personal
Information to those employees and contractors who need access to perform their job function,
such as our customer service personnel. If you have any questions about the security on
Paylotus, please contact us at disclosures@Paylotus.in.
You hereby acknowledge that Paylotus is not responsible for any intercepted information sent via
the internet, and you hereby release us from any and all claims arising out of or related to the
use of intercepted information in any unauthorized manner.
Terms and modifications to this Privacy Policy
Our Privacy Policy is subject to change at any time without notice. To make sure you are aware
of any changes, please review this policy periodically. These changes will be effective
immediately on the Users of Paylotus. Please note that at all times you are responsible for
updating your Personal Information, including to provide us with your most current e-mail
address.
If you do not wish to permit changes in our use of your Personal Information, you must notify us
promptly that you wish to deactivate your account with us. Continued use of Paylotus after any
change/ amendment to this Privacy Policy shall indicate your acknowledgement of such changes and
agreement to be bound by the terms and conditions of such changes.
Applicable law
Your use of this Website will be governed by and construed in accordance with the laws of India.
The Users agree that any legal action or proceedings arising out of your use may be brought
exclusively in the competent courts/ tribunals having jurisdiction in Bengaluru in India and
irrevocably submit themselves to the jurisdiction of such courts/ tribunals.
Complaints and Grievance Redressal
If you contact us to provide feedback, register a complaint, or ask a question, we will record
any Personal Information and other content that you provide in your communication so that we can
effectively respond to your communication. Any complaints or concerns in relation to your
Personal Information or content of this Website or any dispute or breach of confidentiality or
any proprietary rights of User during use of the Website or any intellectual property of any
User should be immediately informed to the Grievance cum Nodal Officer at the co-ordinates
mentioned below in writing or by way of raising a grievance ticket through the hyperlink
mentioned below:
Grievance officer
Mr. Chintan Bhatt
Paylotus Private Limited
Address: B wing 603, Om Divya Apartment, Pritam Das Road, Kandivali west, Mumbai - 400067
E-mail: grievances@Paylotus.in
