Privacy Policy

Last updated: 02 Dec, 2022 

 

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You. By downloading and using the Dosh Pay App, visiting the Dosh Pay website, providing your information or availing our product/services, you expressly agree to be bound by this Privacy Policy and the applicable service/product terms and conditions. We value the trust you place in us and respect your privacy, maintaining the highest standards for secure transactions and protection of your personal information.

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[INDIA SPECIFIC CLAUSE]

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This privacy policy is published and shall be construed in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 under the Information Technology Act, 2000; that require publishing of the privacy policy for collection, use, storage, transfer, disclosure of Personal Information (means and includes all information that can be linked to a specific individual) including Sensitive Personal Information (all Personal Information which requires heightened data protection measures due to its sensitive and personal nature) (both, hereinafter referred to as “Personal Information”), excluding any information that is freely available or accessible in public domain. If you do not agree with this privacy policy, please do not use or access our Platform.

 

INTERPRETATIONS AND DEFINITIONS

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Interpretation

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The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

 

Definitions

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For the purposes of this Privacy Policy:

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“Account” means a unique account created for You to access our Service or parts of our Service.

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“Affiliate” means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

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“Application” means the software program provided by the Company downloaded by You on any electronic device, named “Dosh Pay”

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“Company” (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to _________________.

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“Cookies” are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

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“Country” refers to:  India

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“Device” means any device that can access the Service such as a computer, a cellphone or a digital tablet.

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“Personal Data” is any information that relates to an identified or identifiable individual.

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“Service” refers to the Application or the Website or both.

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“Service Provider” means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

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“Third-party Social Media Service” refers to any website or any social network website through which a User can log in or create an account to use the Service.

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“Usage Data” refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

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“Website” refers to Dosh Payments accessible from doshpayment.com

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“You” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

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DATA AND INFORMATION COLLECTION

 

We may collect your Personal Information when you use our services or Platform or otherwise interact with us during the course of our relationship. We collect Personal Information which is relevant and absolutely necessary for providing the services requested by you and to continually improve the Dosh Pay Platform.

Personal and Sensitive Personal Information collected includes but not limited to:

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• name, age, gender, photo, address, phone number, e-mail id, your contacts and nominee details

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• PAN card number, KYC related information such as videos or other online/ offline verification documents as mandated by relevant regulatory authorities, your business-related information

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• OTP sent to you by your bank or Dosh Pay

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• balance, transaction history and value, bank account details, or part of your card details for smooth transaction using Dosh Pay or any of the services

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• your device details such as device identifier, internet bandwidth, mobile device model, browser plug-ins, and cookies or similar technologies that may identify your browser/Dosh Pay Application and plug-ins, and time spent, IP address and location

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Usage Data

 

• Usage Data is collected automatically when using the Service.

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• Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

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• When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

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• We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

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Information from Third-Party Social Media Services

 

The Company allows You to create an account and log in to use the Service through the following Third-party Social Media Services:

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• Google

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• Facebook

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• Twitter

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If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal data that is already associated with Your Third-Party Social Media Service’s account, such as Your name, Your email address, Your activities or Your contact list associated with that account.

You may also have the option of sharing additional information with the Company through Your Third-Party Social Media Service’s account. If You choose to provide such information and Personal Data, during registration or otherwise, You are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

 

Information Collected while Using the Application

 

While using Our Application, in order to provide features of Our Application, We may collect, with Your prior permission:

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• Information regarding your location

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• Information from your Device’s phone book (contacts list)

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• Pictures and other information from your Device’s camera and photo library

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We use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Company’s servers and/or a Service Provider’s server or it may be simply stored on Your device.

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You can enable or disable access to this information at any time, through Your Device settings.

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USE OF YOUR PERSONAL DATA

 

The Company may use Personal Data for the following purposes:

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To provide and maintain our Service, including to monitor the usage of our Service.

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To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

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For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

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To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

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To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

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To manage Your requests: To attend and manage Your requests to Us.

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For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

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For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

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To conduct the KYC compliance process as a mandatory prerequisite as per the requirements of various regulatory bodies

 

We may share Your personal information in the following situations:

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• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.

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• For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.

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• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.

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• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.

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• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

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• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

 

TRACKING TECHNOLOGIES AND COOKIES

 

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts (confirm if any additional cookies used too) to collect and track information and to improve and analyze Our Service. The technologies We use may include:

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• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

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• Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies.

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• Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

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Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

 

We use both Session and Persistent Cookies for the purposes set out below:

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Necessary / Essential Cookies

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Type: Session Cookies

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Administered by: Us

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Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

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Cookies Policy / Notice Acceptance Cookies

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Type: Persistent Cookies

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Administered by: Us

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Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

 

Functionality Cookies

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Type: Persistent Cookies

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Administered by: Us

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Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

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RETENTION OF YOUR PERSONAL DATA

 

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

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The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

 

TRANSFER OF YOUR PERSONAL DATA

 

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

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The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

 

DISCLOSURE OF YOUR PERSONAL DATA

 

Business Transactions

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If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

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Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

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Other legal requirements

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The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

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• Comply with a legal obligation

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• Protect and defend the rights or property of the Company

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• Prevent or investigate possible wrongdoing in connection with the Service

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• Protect the personal safety of Users of the Service or the public

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• Protect against legal liability

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SECURITY OF YOUR PERSONAL DATA

 

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

 

 

CHOICE/OPT-OUT

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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 your contact information from all our lists and newsletters or discontinue any our services, please click on the unsubscribe button on the emailers.

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PERSONAL INFORMATION ACCESS AND RECTIFICATION

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You can access and review your Personal Information shared by you by logging in to Dosh Pay Platform using your secure login credentials and may also place a request for updating your Personal Information by writing to us. Dosh Pay may need to request specific information from you to confirm your identity and ensure authentication to correctly update your Personal Information. This is a security measure to ensure that Personal Information is not disclosed to any person who does not have a right to receive it or is not incorrectly modified.

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In case, where you need any further information specific to the services that you are availing or our use of your Personal Information, we request you to read through the Terms and Conditions specific to the service which is easily accessible through the Dosh Pay Platform. For seeking any further information on the same, you can write to us at the details mentioned in the ‘Contact Us’ section of this policy.

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CHILDREN INFORMATION

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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.

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If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.

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CHANGES TO POLICY

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We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

 

 

CONTACT US

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In case you have any questions or concerns regarding the processing of your Personal Information or this Privacy Policy you may write to us using this link https://doshpayment.com/contact-us/ We are committed to answer your questions within the reasonable time limit. Any delay in the resolution time shall be proactively communicated to you.