Effective Date: July 31, 2023

Privacy Policy of Jangras Payment Services Limited (“JPSL / OonePe / KwikPaisa”)

Jangras Payment Services Limited (a Company is incorporated under the Companies Act, 2013 with CIN No. U72900HR2022PLC104778, having its registered office at 378-379, 2nd Floor, Electronic City – Udyog Vihar Phase 4, Gurugram Haryana – 122015 (“JPSL / OonePe /KwikPaisa”, “Us”, “We”, or “Our”)).
, We operating as a NEO Banking & Payment Aggregator, is committed to maintaining a secure data processing environment and a convenient payment process infrastructure for our customers. As part of our services, we collect and process personal and sensitive personal information (“Personal Data”) from our stakeholders, including users of our website, software, mobile application, and payment infrastructure (“Platforms”). This Privacy Policy outlines how we collect, use, process, store, transfer, and share Personal Data to provide our services. By using our services, you agree to the terms of this Privacy Policy.

Definitions:

– “Applicable Laws” refer to the Information Technology Act, 2000, The Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, and any other relevant rules and regulations in India.

– “Personal Data” means any information that directly or indirectly identifies you, including your contact details, financial information, identification documents, and other relevant data.

– “Processing” refers to automated operations or activities performed on Personal Data, such as collection, storage, sharing, and deletion.

Purpose:

This Privacy Policy aims to inform you about the collection, usage, processing, storage, transfer, and sharing of your Personal Data while using our services. We may ask you to provide your Personal Data for various purposes, such as improving our services and providing payment aggregation, payouts, and verification services.

• – Types of Personal Data and Purpose:
•   – Name and Contact Information:
•     – Purpose: For providing payment aggregation, payouts, and verification services to merchants, business partners, and end-customers.
•     – Details: Full name(s), title, age, user ID, gender, date of birth, telephone/mobile number(s), address(es), state/city of residence, country, pin code, email address(es), and chosen billing address(es).
• 
  
•   – Financial Information:
•     – Purpose: For account registration and providing payment aggregation services.
•     – Details: Personal bank account numbers, e-nach, NEFT, IMPS, and UPI ID details, tokenized card information, card type, expiry date on the credit or debit card, and name on the card.
• 
  
•   – Identification Information:
•     – Purpose: For providing payment aggregation, payouts, and verification services and complying with screening requirements as per Applicable Laws.
•     – Details: Know Your Customer (KYC) documents, proofs of identity and address, photograph, Permanent Account Number (PAN), GST Number, etc.
• 
  
•   – Payments Related Data:
•     – Purpose: For providing payment aggregation, payouts, and verification services and complying with screening requirements as per Applicable Laws.
•     – Details: Payment gateway ID, name of issuing bank, merchant’s name, category, and other identifiers. Also includes details of products or services purchased or paid for, mode of payment, date, currency, amount of the transaction(s), and payment success status.
• 
  
•   – Log Data:
•     – Purpose: Statistical analyses of User behavior and characteristics to measure interest in and use of our services.
•     – Details: Browser type, IP address, location, requested URL, referring URL, timestamp information, application, device, versions and configurations, operating systems, device brand and model, geo-location information, unique identifiers associated with user devices, and accessed pages.
• 
  
•   – Credit Related Information:
•     – Purpose: For providing payment aggregation, payouts, and verification services to financial institutions, account aggregators, business partners, and end-customers.
•     – Details: Credit-related information or assessments provided by third parties, including financial institutions, under Applicable Laws.
• 
  
•   – Information provided by Users directly to Us or through third-party services:
•     – Purpose: Facilitating our services, performing Service-related tasks, analyzing service usage, and communication with users.
•     – Details: Account usernames, passwords, email addresses, preferred settings, themes, communications with customer support, promotional and marketing campaigns, surveys, subscriptions to marketing materials, or withdrawal preferences. Note: We use cookies for information collection (user’s browser preferences). Users can instruct their browsers to refuse cookies, but this may impact some portions of our service.
• 
  
•   – Device Information:
•     – Purpose: Gaining insights into user use of our website and services, providing a customized experience, and showing targeted advertisements.
•     – Details: Device information like contact lists, call records, SMS, media files, and location data. This data is accessed only with user permissions.

Your Rights:

– Right to Review Your Personal Data: You may review the Personal Data we hold about you and request corrections if necessary.

– Withdrawal of Your Consent: You can choose not to provide Personal Data or withdraw your consent provided earlier. However, this may affect certain features and functionalities of our services.

Security:

We follow international security standards and certifications to protect your Personal Data. While we strive to use commercially acceptable means to secure your information, no method of transmission or storage over the Internet is 100% secure.

International Transfer:

Your Personal Data may be transferred and maintained on computers outside your country, where data protection laws may differ. By providing your information, you consent to such transfers.

Links to Other Sites:

Our services may contain links to third-party sites. We do not control these sites’ content or privacy policies and are not responsible for them.

Children’s Privacy:

Our services are not intended for children under 13. We do not knowingly collect personal information from children, and if we become aware of such data, we will take steps to remove it.

Retention of Your Personal Data:

We retain your Personal Data for as long as necessary for the purposes stated in this Privacy Policy or as required by Applicable Laws.

Exception to Consent for Disclosure of Personal Data:

We seek your consent for disclosing your Personal Data unless required by Applicable Laws. Government agencies may request your Personal Data under specific circumstances, as mandated by law.

Contact Information:

If you have any concerns or questions about the protection of your Personal Data, please contact our Grievance Officer at grievances@kwikpaisa.com.

Your use of Our Services and/or provision of Your Personal Data implies Your consent to the collection and use of the information You disclose in accordance with this Privacy Policy, including Your consent for sharing Your information as described herein. As per the Information Technology Act 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

Grievance Officer:

Mr. Ajay Jangra

Jangras Payment Services Limited

378-379, 2nd Floor, 

Electronic City, Udyog Vihar, 

Phase 4, Gurugram, Haryana – 122015

Email ID: grievances@kwikpaisa.com

Should You have any concerns or questions related to the collection, usage, processing, storage, transfer, or sharing of Your Personal Data, You may reach out to the Grievance Officer using the provided contact details. We are committed to addressing and resolving any grievances or queries you may have regarding Your privacy and data protection.

Amendments:

This Privacy Policy may be updated from time to time to comply with changes in Applicable Laws. We advise you to check this page periodically for the latest version