At Innopay, we are committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your data when you interact with our services.
1. Introduction
This Privacy Policy applies to all users of Innopay Technologies website, mobile applications, and related services (collectively referred to as the "Platform"). By accessing or using our Platform, you agree to the terms outlined in this policy.
2. Information We Collect
We may collect the following types of information:
a. Personal Information
- Identity Details: Name, date of birth, gender, photograph.
- Contact Information: Email address, phone number, residential address.
- Government Identifiers: PAN, Aadhar number (or Virtual ID), passport details, driver's license.
- Financial Information: Bank account details, transaction history, wallet balances, credit/debit card information.
- KYC Documents: As mandated by regulatory authorities, including video or offline verification documents.
b. Device and Technical Information
- Device Details: Device type, operating system, browser type, IP address.
- Usage Data: Pages visited, time spent on the Platform, referral sources.
- Cookies and Tracking Technologies: To enhance user experience and analyze Platform usage.
c. Other Information
- Communication Records: Emails, chat conversations, customer support interactions.
- Feedback and Surveys: Responses to surveys, feedback forms, and reviews.
Please note that, depending on the nature of the service or regulatory requirements, we may request additional information to ensure compliance and service accuracy.
3. How We Use Your Information
Your information is utilized for the following purposes:
- Service Delivery: To provide and manage our services, process transactions, and fulfill your requests.
- Verification: To conduct KYC processes and verify your identity as per regulatory requirements.
- Communication: To send transaction alerts, service updates, and respond to inquiries.
- Personalization: To tailor content, offers, and services to your preferences.
- Security: To detect and prevent fraud, unauthorized activities, and ensure the integrity of our Platform.
- Legal Compliance: To adhere to legal obligations and respond to lawful requests from regulated authorities.
4. Information Sharing and Disclosure
We do not sell or rent your personal information. However, we may share your data with:
- Affiliates and Subsidiaries: For operational and administrative purposes.
- Service Providers: Third-party vendors assisting in service delivery, such as payment processors, KYC verification agencies, and customer support providers.
- Regulatory Authorities: To comply with legal obligations, including law enforcement requests and court orders.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
All third parties are bound by confidentiality agreements and are required to implement appropriate security measures.
5. Data Storage and Retention
Your personal information is stored securely within India, in compliance with applicable laws, including the RBI's data localization guidelines. We retain your data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.
6. Security Measures
We employ robust security practices to protect your information, including:
- Encryption: Data is encrypted both in transit and at rest.
- Access Controls: Restricted access to personal data based on the principle of least privilege.
- Regular Audits: Periodic security assessments and audits to identify and mitigate risks.
- Incident Response: Established protocols to respond to data breaches or security incidents.
7. Your Rights and Choices
You have the right to:
- Access: Request access to the personal information we hold about you.
- Correction: Request correction of inaccurate or incomplete data.
- Deletion: Request deletion of your personal information, subject to legal and contractual obligations.
- Opt-Out: Unsubscribe from marketing communications by following the instructions in our emails or contacting us directly.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our Platform.
9. Third-Party Links
Our Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal information.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware of such data, we will take steps to remove it promptly.
11. Changes to This Privacy Policy
This Privacy Policy may be updated periodically to reflect changes in our practices, services, or legal obligations. The updated policy will be made available on our Platform, along with "Updated" status at the top. Users are responsible for reviewing the Privacy Policy regularly to stay informed of any changes. Continued use of our services after such updates constitutes acceptance of the revised policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us. Reach out to us at
support@innopay.in
Note: This Privacy Policy is subject to applicable laws and regulations in India, including the Information Technology Act, 2000, and the rules framed thereunder.
