Privacy Policy

1. Applicability

This Privacy Policy describes how personal data and other information is collected, received, stored, processed, disclosed, transferred, or otherwise handled by the Company and its authorised third-party service providers.

This Privacy Policy applies to all information provided by You while accessing or using the Platform, including during onboarding and while availing Services. This Privacy Policy does not apply to information collected by third-party websites or platforms accessed through the Platform.

2. Acceptance

By accessing or using the Platform, You ("You", "Your") agree to be bound by this Privacy Policy. This Privacy Policy forms an integral part of, and must be read together with, the Terms of Use and the KYC–AML Policy.

This Privacy Policy is an electronic record under the Information Technology Act, 2000 and does not require any physical or digital signature.

3. Information Collected

When You register on the Platform or use the Services, the Company may collect personal information including Your name, mobile number, email address, Permanent Account Number (PAN), signature, date of birth, gender, residential and communication address, proof of address, employment details, annual revenue, source of funds or remittances, and bank account details.

Where required under applicable laws or regulatory guidelines, the Company may also collect Aadhaar details on a voluntary basis, solely for account opening, verification, and transaction authentication, in accordance with applicable laws and the KYC–AML Policy.

The Company may also collect financial information such as linked bank account details, IFSC codes, payment instructions, and transaction-related information to provide the Services.

In addition, non-personal information such as IP address, browser type, operating system, device information, geographic location, pages visited, and navigation patterns may be collected through cookies and similar technologies to improve Platform functionality and user experience.

When You initiate or receive payments through the Platform, transactional information relating to the transaction amount, currency, payer and beneficiary details, and bank references may be collected and monitored to ensure compliance and detect suspicious activity.

If You communicate with the Company through emails, chat, feedback forms, or other communication channels, such communications may be retained for customer support, dispute resolution, compliance, and service improvement purposes.

The Company may also collect additional information, including documents uploaded by You, copies of government-issued identification where required, information from public databases or regulatory authorities, and information relating to counterparties or overseas merchants. All information provided by You is deemed to be provided voluntarily and without coercion.

4. Use of Information

The information collected by the Company is used to provide, operate, and improve the Services; complete onboarding and KYC requirements; process and monitor transactions; detect, prevent, and investigate fraud or unlawful activity; comply with applicable laws and regulatory obligations; communicate service updates and important notices; provide customer support; customize user experience; and enforce the Terms of Use.

The Company may send promotional communications, and You may opt out of such communications at any time. Service-related and transactional communications will continue as required.

5. Disclosure and Sharing of Information

The Company may share information with banking partners, financial institutions, payment processors, regulated intermediaries, compliance and audit service providers, and technology partners, solely for the purpose of providing the Services. Such parties are contractually obligated to maintain confidentiality and use the information only for permitted purposes.

Information may also be disclosed to comply with applicable laws, legal processes, or regulatory requests; to protect the rights, property, or safety of the Company or its users; or in connection with any merger, acquisition, restructuring, or transfer of business. You expressly consent to such disclosures.

6. Data Security

The Company implements reasonable security practices and procedures in accordance with Section 43A of the Information Technology Act, 2000, including administrative, technical, and physical safeguards to protect personal information. While reasonable measures are taken, no method of transmission over the internet is completely secure.

You acknowledge and accept the inherent risks associated with data transmission and agree to take appropriate precautions on Your end.

7. Third-Party Links

The Platform may contain links to third-party websites or platforms. The Company does not control and is not responsible for the privacy practices, security, or content of such third-party websites. Users are advised to review the privacy policies of such third parties before sharing any information.

8. Your Rights

You may withdraw Your consent at any time by writing to info@paydirectgo.com. Upon withdrawal, the Company may discontinue Services and retain information only to the extent required under applicable laws.

You may correct or update Your information through the Platform or by contacting info@paydirectgo.com.

9. Changes to this Privacy Policy

The Company reserves the right to modify this Privacy Policy at any time. Any changes will be effective immediately upon publication on the Platform. Continued use of the Platform constitutes acceptance of the revised Privacy Policy.

10. Contact Information

For any questions or concerns regarding this Privacy Policy, please contact:

Email: info@paydirectgo.com