Privacy policy
Natch Products and Services Pvt Ltd
Your privacy is important to us.
It is the Company’s policy to respect your privacy regarding any information we may collect while operating our Website. Accordingly, we have developed this Privacy Policy in order for you to understand how we collect, use, communicate, disclose and otherwise make use of personal information.
By registering for, accessing, using, and/or downloading any service, you consent to the collection and use of your personal information as outlined in this Privacy Policy.
Collection, Use and Disclosure of Personal Information
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect, use and disclose personal information solely for fulfilling those purposes specified by us and for other ancillary purposes, unless we obtain the consent of the individual concerned or as may be required by law for any other purpose.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We will protect personal information by using reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We will only retain personal information for as long as necessary for the fulfilment of those purposes.
The Company may use or disclose your personal information to:
- administer and operate this Website;
- personalize and improve your experience on this Website;
- enable your access to and use of the Website and any of its services;
- publish information about you on the Website;
- send you relevant marketing communications
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We will only retain personal information for as long as necessary for the fulfilment of those purposes.
The Company may use or disclose your personal information to:
Notwithstanding anything elsewhere set out in these Terms or in the Privacy Policy, it is clarified that any use or disclosure of personal information submitted on the Website shall not be in any manner contrary to applicable laws, as may be amended from time to time.
Links
This Website may contain links to other websites that may collect personally identifiable information about you. The Company is not responsible for the privacy practices or the content of those linked websites.
Business Transitions
In the event the Company goes through any kind of business transition, including without limitation a merger, acquisition by another company, or sale of all or a portion of its assets, personal information collected on this Website may be among the assets transferred.
Data Security
The Company will make best efforts to take all such reasonable technical and organisational precautions to prevent unauthorised access, loss, misuse or modification of your personal information.
The Company will store all the personal information you provide on its secure servers in India or secure servers of its third-party affiliates.
Amendment of Privacy Policy
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. The Company reserves its right to amend or modify in any manner as it deems fit the Privacy Policy from time to time, at its sole and absolute discretion.
With regard to the Compliance with Consumer Protection (E-Commerce) Rules, 2020, Natch is committed to ensuring your privacy and security through our trusted payment gateway partners, Paytm and Razorpay.
For Paytm:
Your privacy is of utmost importance to us and protection of your Personal Data as disclosed by you to us is a key commitment for us. During your usage of our platform, we may collect and generate various data points about you as elaborated below. In this, we are governed by the provisions of applicable law in India including the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data. We collect and process your Personal Data only to the extent necessary for us to process your requirement(s) and in the manner as detailed hereinafter below in section II and III, and in accordance with such applicable law. In case you choose not to share your Personal Data as required, with us, we may not be able to carry out your transaction.
"Personal Data" means data relating to you that is directly or indirectly identifiable, having regard to any characteristic, trait, attribute or any other feature of your identity or any combination of such features with any other information. Personal Data does not mean information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force. Personal Data includes Sensitive Personal Data, which relates to password, financial information such as bank account or credit card or debit card or other payment instrument details, physical, physiological and mental health condition, sexual orientation, medical records and history, biometrics or any other data categorised as sensitive under applicable law in India.
- Types of Information we collect
We may collect following information from you, as you have disclosed to us:
- Personal details (e.g. name, contact details including, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or education details) provided by you to us to avail various products/services from us.
- Your details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.
- Financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services;
- Images of documents/ photos required to avail any of our products/services.
- voice recordings of our conversations with our customer care agent with you to address your queries/grievances;
- employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for credit/various product evaluations or required under applicable law including Prevention of Money Laundering (Maintenance of Records) Rules, 2005
- specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;
- opinions provided by you to us by way of feedback or responses to surveys;
- Information obtained from your mobile device by way of using our app like device location, communication information including phone number, SIM Serial Number, contacts and call logs, device information (including storage, model, IMEI, Network Carrier information), transactional and promotional SMS/app notifications;
- Access to your mobile camera device for the functioning of many in-app functionalities for recording video including, but not limited to video KYC process and scan & pay etc.;
- Access to the microphone to record audio for carrying out video KYC process and voice typing etc.;
- Access to files from your mobile device such as audio, video files for the functioning of many in-app functionalities including, but not limited to in-app chat;
- Access to WiFi details through SSID information from your device, to notify users about the security of WiFi network;
- Access to the Near field Communication (NFC) chip on device to enable tap to pay functionality (only for NFC enabled devices).
- Sharing and Storage of your Personal Data
Any Personal Data that we have access to shall never be shared without your consent.
In various processes / submission of applications / availment of product / service offerings, we even seek your explicit consent to use / share your Personal Data.
In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers.
We may process, store and retain your Personal Data on our servers where the data centers are located, and/or on the servers of third parties having contractual relationships with us. All Sensitive Personal Data is stored in India. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force.
We will share your data with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:
- For enabling the provision of the products / services availed by you, strictly on a “need to know” basis and subject to applicable laws.
- Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.
- Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.
When you make purchases through our services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, billing information and payment preferences. This information may be shared with third-parties which assist in processing and fulfilling your requests, including Payment Card Industry (PCI) compliant payment gateway processors, and for providing you with products / services to better serve your needs and interests. Such sharing shall be in accordance with your instructions and subject to appropriate confidentiality and security requirements.
III. Usage of Your Personal Data
We use your Personal Data in our business activities for providing our partners’ products / services and to perform, among other actions, the following:
- To facilitate the transactions or report on these transactions;
- To undertake research and analytics for offering or improving our products / services and their security and service quality;
- To check and process your requirements submitted to us for products / services and / or instructions or requests received from you in respect of these products / services;
- To share with you, updates on changes to the products / services and their terms and conditions including platform’s 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 products / services to you;
- To carry credit checks, screenings or due diligence checks as lawfully required by us;
- To monitor and review products / services from time to time;
- To undertake financial / regulatory / management reporting, and create and maintain various risk management models;
- To conduct audits and for record keeping purposes;
- To enable us to show you advertisements which are relevant to you and your interests, selective offers and promotions, search results, location-based services;
- To auto populate such third party pages basis your click on advertisement instances on our website and your proceeding to such pages;
- To comply with the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us;
- To undertake any measure to provide medical treatment or health services to you during an epidemic, outbreak of disease or any other threat to public health or to ensure your safety, or to provide assistance or services to you during any disaster or any breakdown of public order.
- Purging of your Personal Data
You may choose to delete your account at any point of time by making such choice in One97’s desktop website, mobile WAP site or mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law. The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal / regulatory proceeding or receipt of any legal and / or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.
- Cookie Policy
- Please note that a “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.
2. We may use cookie and tracking technology depending on the features offered.
3. No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information. - Links to other websites
Our website 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.
VII. Reasonable Security Practices and Procedures
We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.
We have provided multiple levels of security to safeguard your app by Login / Logout option, and App Lock feature for payments, that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication / OTP. Please do not share your Account’s login, password and OTP details with anybody.
When you submit credit or payment card information, we encrypt the information in compliance with Payment Card Industry (PCI) data security standards.
While we observe reasonable security measures to protect your Personal Information on all our digital platforms, security risks may still arise for reasons outside of our control such as hacking, virus dissemination, force majeure events, breach of firewall etc. Please note that the above mentioned measures do not guarantee absolute protection to the Personal Information.
VIII. Contact us
You may contact us on any aspect of this policy or for any discrepancies / grievances with respect to your Personal Data, by writing to our Grievance Officer as per the details provided below:
Name: Binu Varghese
Designation: Vice President - Legal
Email ID: privacy.grievanceofficer@paytm.com
One97 Communications Limited
Skymark One, Sector 98, Noida - 201304.
- Policy Review & Updates
This policy will be reviewed by us as and when required and the same may be subject to change at any point in time. The latest & most updated policy can always be found at https://paytm.com/company/terms-and-conditions
While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.
This Privacy Policy shall apply uniformly to One97’s desktop website, mobile WAP site & mobile applications.
One97 reserves the right to modify/update this Privacy Policy. We will post the changes to our Privacy Policy, if any, on this page. Please check the “Last updated” legend at the bottom of this page to see when this Privacy Policy was last updated. We encourage you to check the same to be informed of how One97 is committed in protecting your information and providing you with the improved content.
In this policy, the words “we”, “ours” and/or “us” refer to One97 Communications Limited and “you” and/or “your” refer to our customers.
- Governing Law & Jurisdiction
This policy will be governed by and construed in accordance with the laws of India and subjected to the exclusive jurisdiction of Courts of New Delhi.
For Razorpay:
This privacy policy (the "PRIVACY POLICY") applies to your use of the website of Razorpay hosted at razorpay.com, the Services (as defined under the Razorpay "Terms of Use") and Razorpay applications on mobile platforms (Android, Blackberry, Windows Phone, iOS etc.) (collectively ("RAZORPAY" 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 Razorpay.
The terms "WE", "OUR" and "US" refer to Razorpay and the terms "YOU", "YOUR" and "USER" refer to you, as a user of Razorpay. 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 Razorpay, 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 Razorpay]. 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 razorpay.com/support to stop receiving SMSs from us. Razorpay 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, Razorpay 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 Razorpay checkouts. However, only when customer chooses to share the information on the businesses powered with Razorpay applications we share the information to respective businesses. However, Razorpay 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 Razorpay, 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 Razorpay 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 Razorpay. 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 Razorpay may not work properly or at all. Razorpay uses third party tools, who may collect anonymous information about your visits to Razorpay using cookies, and interaction with Razorpay products and services. Such third parties may also use information about your visits to Razorpay products and services and other web sites to target advertisements for Razorpay'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 Razorpay's Users. Razorpay 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 Razorpay (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 Razorpay, 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 Razorpay 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 Razorpay, please contact us at disclosures@razorpay.com.
You hereby acknowledge that Razorpay 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 Razorpay. 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 Razorpay 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. Arvind Subramaniam
Razorpay Software Private Limited
Address: No. 22, 1st Floor, SJR Cyber, Laskar - Hosur Road, Adugodi, Bangalore - 560030
Ph: 080-46669555
E-mail: grievances@razorpay.com
Grievances portal: https://razorpay.com/grievances/
Liberty Cinema Building, 4th Floor
New Marine Lines, Mumbai, MH 400020
