PRIVACY POLICY

FOR MERCHANTS:

India Online Pay takes privacy and data protection issues seriously. This Privacy Policy is deigned to explain how we handle personally identifiable information collected from Sub-Merchants who register for services and submit information to India Online Pay through the Internet. As the India Online Pay services evolve, we may revise this policy, so please check back frequently. If you have questions about India Online Pay privacy practices, please contact us at contact@indiaonlinepay

Scope of this Privacy Policy :

This Privacy Policy covers all treatments of personally identifiable information collected by India Online Pay from its’ sub-merchants. These sub-merchants include all who use the services of India Online Pay payment gateway solutions and as well as consumer information that we acquire in the course of our business.

This Policy also covers the treatment of personally identifiable information that India Online Pay's back end technology providers / partners may share with it.

This Policy does not apply to the practices of companies that India Online Pay does not own or control, or to people that India Online Pay does not employ or manage. India Online Pay is a wholly owned subsidiary of Golden Legand Leasing and Finance Limited. This Policy is specific to India Online Pay and does not apply to Golden Legand Leasing and Finance Limited. India Online Pay respects your privacy and wants to promote trust and confidence on the internet. As such, India Online Pay feels it is necessary to disclose to you what information this site collects and tracks and what we do with the information that we collect. Information security is critical to our business.

We, at India Online Pay are always working to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software. SSL is a software that encrypts each and every information you input. We store information gathered on secure computers.

Also, the number of employees that have physical access to the computers involved in the management of the data is limited to a great extent. We also, always use an advanced technology to secure our computers and prevent any unauthorized access. It is essential for you, the sub-merchant to protect any unauthorized access to your Login ID/password and to your computer. Also, be sure to sign off when finished using a shared computer and otherwise protect the password used to access the India Online Pay's services.

As of now, India Online Pay collects sub-merchants’ personal information, through either or all of the following:

• The sub-merchant registration process


• The service agreement that they execute


• Various documents that verify sub-merchant's creditability - These documents are as required by India Online Pay from time to time.


• India Online Pay asks customers to supply various personal data when placing an order, such as name and address, telephone number, and E-mail address.

India Online Pay uses this and the above data only for the purpose of filling an order, or communicating with the customer or Sub-Merchant about the status of an order.

However; the sub-merchants are able to collect customers personal information via the purchases that are made. The data India Online Pay collects is used in the aggregate to give us demographic information about the entire India Online Pay audience in order to improve the service to you and to our Sub-Merchants, to perform statistical analysis of the collective characteristics and behaviour of our Sub-Merchants and visitors, to measure overall patron demographics and interests regarding specific areas of the India Online Pay domain and to analyse how and where to use our resources.

We use cookies to help us analyse which services sub-merchants and visitors use and which sites users link to.

India Online Pay tracks information like the domain name from which you, the sub-merchant contact us, the pages that you request and the products you buy, the referring site and the time that you spend on the sites.

It is essential that you note that for everyone who visits an India Online Pay sub-merchant purchase page, we log the following: IP addresses, your browser software type and the type of operating system that your computer uses. It allows us to determine the Internet Service Provider and the geographic location of your point of connectivity from the IP address.

If you are India Online Pay’s sub-merchant, then the personal information you provide i.e. the name, address, etc. allows us to inform you about the various updates, any type of changes to the service and it also allows us to notify you of the various products and services of India Online Pay, its backend service providers and affiliates that we believe may be of interest to you.

India Online Pay uses reasonable precautions to keep the personal information disclosed to us secure and will not disclose this information to other individuals or organizations unless required by law. However; we, at India Online Pay will exchange information with other companies and organizations for the sole purposes of reducing risks and protecting our consumers against fraud. However, if there any type of security breach, we are not responsible for it or for any third-party actions that receive the information illegally.

India Online Pay will not and does not distribute customer information to be used in surveys, mailing lists, or any other purpose other than what is required to perform our services. However; India Online Pay will send personally identifiable information about you (sub-merchants) to other companies or people under the following circumstances:

• We need to share your information if you have requested to provide the product or service;


• We need to send your information to other companies who work on behalf of India Online Pay in order to provide a product or service to you. It is essential to note that until and unless, we tell you other-wise, these companies do not have the right to use any of your personally identifiable information;


• You have given your permission to us to share your information.

You are requested to note that your personally identifiable consumer information is also shared with third parties (such as credit card processors and our acquiring banks) to the extent necessary for India Online Pay to deliver payment processing services. India Online Pay is committed to safeguarding the privacy of our customers' personal data. India Online Pay may also link to a wide variety of other sites. India Online Pay is in no condition, responsible for their privacy policies or how they treat information about their users.

If you (i.e. our sub-merchant) would like to view the information that has been collected from you and your customers or you want to correct any type of information that may either be yours or the billing/shipping details of your customers or their IP addresses, please go to merchant login page and log into your account to view the above details and to review your personal information. If you have questions or suggestions, we can be reached by email at contact@indiaonlinepay.com or by writing to us at:

Golden Legand Leasing and Finance Limited.,
506, Shri Ramkrishna Chambers, Plot No 67B,
TPS – IV, Linking Road, Khar (W),
Mumbai – 400052, Maharashtra, India.

India Online Pay responds to warrants, subpoenas, or other court orders regarding information that is contained within our access logs concerning any sub-merchant, customer or visitor. India Online Pay reserves the right to release that information. This may be concerning any sub merchant who we believe is in violation of our content guidelines, even without a subpoena, warrant, or other court order. We co-operate with law enforcement agencies and government authorities in identifying those who use our servers and services for illegal activities.

We also reserve the right to report any illegal activity by our Sub-Merchants or their customers to law enforcement for prosecution.

Please be aware that India Online Pay does not control the acts of its Sub-Merchants or visitors. All Sub-Merchants, customers and visitors should be aware that, when they disclose personal information such as their actual name, store's name, e-mail address, etc. to third parties, the information may be collected and used by others to send that person unsolicited e-mail from other parties, outside of India Online Pay. In the event that you encounter any India Online Pay Sub-Merchant who is improperly collecting or using information about users, please contact us by emailing at contact@indiaonlinepay.com.

If you feel that India Online Pay has violated this statement on privacy in any way, please contact us at contact@indiaonlinepay.com that we may address this issue.

FOR CUSTOMERS:

India Online Pay a brand operating under Golden Legand Leasing and Finance Limited (we/us/our) take privacy and data protection issues seriously. We have designed this Privacy Policy to explain how we handle personally identifiable information collected from Customers/Users (you/ your) who use services of India Online Pay directly or through any third party, submit information to India Online Pay through the Internet. As India Online Pay services evolve, we may revise this policy, so please check back frequently. If you have questions about India Online Pay privacy practices, please contact us at service@indiaonlinepay.com.

India Online Pay being a responsible organisation acknowledge the Importance of right to privacy. Customers all across the globe place their trust on us by transacting though India Online Pay and we at India Online Pay values that trust.

This Policy also covers the treatment of personally identifiable information that India Online Pay back end technology providers/partners may share with it. This document describes the usage of your personal data acquired by India Online Pay.

This Policy sets parameters on how we will use and protect your personally identifiable information. India Online Pay will only use your personal information in the manner that is allowed by the data protection laws. It is recommended by us that you read this privacy policy carefully.

1. Personal Data and Information collected by India Online Pay:

India Online Pay asks customers to supply various types of personal data when placing an online order. This data includes details such as name of the person, their address, phone number and e-mail address. India Online Pay collects customers name, contact details, and Debit/Credit card details of the customers and other details as per several payment options. (Debit/Credit Card details and other payment details are collected as per the rules and regulation law that were established by the Reserve Bank of India and Card Companies).

India Online Pay collects information from customer’s computer, phone, tablet or other device that the customers are using to access our services to tackle and reduce chances of risk. This data includes language settings of the customers, IP addresses and the browser. There are certain instances, when we may receive your details or information about you from alternative sources – These alternative sources may be affiliate partners, business partners, independent third parties or anything we get from them may be combined with information provided by you.

2. Reason for collecting data and processing the information:

India Online Pay collects personal information to render services in an efficient manner. We process information and collect your data for the following purposes:

• To help you either purchase or acquire products and services that you have requested and to process any payment connected with that products services as requested.


• To provide you with customer care service


• To contact you in relation to the products, features or services that you have purchased or requested to any communication that you might have sent us.


• To prevent fraud and for security purposes


• To help improve our Applications and our Services


• The use of this information is necessary for the purpose of our legitimate interests.

3. Sharing of Data:

If and where necessary, India Online Pay shares your personal data, with the following recipients:

• We share the data either with you or where you request or any third party you ask us to share it with.


• Any acquiring banks, India Online Pay’s merchants and facility providers.


• Any legal body or regulatory agencies on request or where required for the purposes of reporting any actual or suspected breach of applicable law or regulation;


• Any government authorities on request or where required, including for the purposes of reporting any actual or suspected breach of applicable law or regulation;


• direct marketing service providers;


• data analytics service providers


• third party service providers that were employed / used for the delivery of some aspects of the services (e.g. email delivery, web notifications, app notifications, SMS delivery, and phone number lookup);

Our Applications at times, may interface with third party services that you have previously interacted with (e.g. Facebook), or contain links to third party content. Please note that India Online Pay is not responsible for such services or content, or the privacy policies associated with those services or content. We recommend that you, the sub-merchant reviews any third party’s privacy policy before accessing such services or content.

4. Security of Your Personal Data

As state above, India Online Pay is a heavily regulated body and our operations are routinely monitored by the Reserve Bank of India, Acquiring Bank and Card Companies. We strictly abide by the provisions of Indian Information Technology Act 2000 and its rules and all relevant amendments.

We also have the certification of PCIDSS (a set of rules and regulation by the Card Companies), India Online Pay is ISO27001 compliant. India Online Pay protects, processes and uses all the data collected in accordance with the applicable Data Protection Laws.

India Online Pay observe reasonable procedures to prevent unauthorized access to, and the misuse of, personal data collected by India Online Pay.

India Online Pay uses appropriate business systems and procedures to safeguard the personal data given to us by you. We use security procedures as well as technical and physical restrictions for accessing and using the personal data on our servers.

It is always ensured that only the authorized personnel are permitted to access personal data in the course of their work.

We will retain your personal data for as long as we deem it necessary to enable you to use our services, to provide our services to you (including and maintaining the user account if and when created to comply with applicable laws, resolve disputes with any parties and otherwise as necessary to allow us to conduct our business, including to detect and prevent fraud or other illegal activities.

All personal data we retain with us will be subject to this privacy policy document.

5. Control of Data

The customer has every right and all the control over their personal data provided to us. It is essential for you to note that the customer can request us for an overview of their data by putting up a mail to us.

In certain instances, you can ask us to modify, erase, or block or restrict the processing of, the personal data we have stored about you, or object to particular ways in which we are using your personal data.

We rely on you, the sub-merchant to ensure that your personal data is complete, accurate and current. We request you to inform us promptly of any changes to or inaccuracies of to your personal data by contacting us.

India Online Pay want customers to be in control of how personal data is used by us. Customer can do this in the following ways:

• You can ask us for a copy of the personal data we hold about that particular individual;


• You can inform us of any changes to their personal data, or can ask us to correct any of the personal data we hold about them


• An individual can ask us to erase, or block or restrict the processing of, the personal data we hold about them, or object to particular ways in which we are using your personal data; and


• in certain instances, individual can also ask us to send the personal data, we have given to a third party.

If we are using personal data on individual’s consent basis, he/she is entitled to withdraw that consent at any time subject to applicable law. Moreover, where we process personal data based on legitimate interest or the public interest, the personnel has the right to object at any time to that use of personal data subject to applicable law.

If you wish to object to the processing of your personal data on the basis of legitimate interest and no opt-out mechanism is available, please contact us at service@indiaonlinepay.com.

6. Personal data of children

India Online Pay services are only allowed to be use by people over 16 years of age. We only process information about children with the consent of the parents or legal guardians or when the information is provided to us by the parents or legal guardian.

7. Personal data received from other sources.

There are instances when we receive information about you from other sources. These could include affiliate or business partners and other independent third parties. These sources also include anything we get from them may be combined with information provided by you.

8. What if India Online Pay is bought by another company?

In the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of our company, India Online Pay reserves the right to transfer information to a third party. This could also include your personal data.

In an event of any such transfer, you will be notified of the same. The third party must use your personal data only for the purposes that you provided it to us in the first place and as set out in this privacy notice.

9. Cookie Policy

A cookie in layman terms, is a small text file of numbers and letters that is stored on your computer when you visit various websites by your browser.

Cookies do not any type of contain personal data unless you have already given this or any other information to the website. If you want, you may delete or block the cookies. However; please note that this may make it less convenient for you to use our websites.

If you would like to view information that India Online Pay has collected from you, or you want to correct your information or the billing/shipping details, you can mail us at service@indiaonlinepay or write to us at:

Golden Legand Leasing and Finance Limited.,
506, Shri Ramkrishna Chambers, Plot No 67B,
TPS – IV, Linking Road, Khar (W),
Mumbai – 400052, Maharashtra, India.

India Online Pay responds to warrants, subpoenas, or other court orders regarding information that is contained within our access logs concerning any customer, visitor or merchant.

It is essential that you note that even without a subpoena, warrant, or other court order, we reserve the right to release that information concerning any – merchant or customer who we, India Online Pay believe is in violation of our content guidelines. We cooperate with law enforcement agencies and government authorities in identifying those who use our services for illegal activities.

We also reserve the right to report any illegal activity by any customers to law enforcement for prosecution.

Please be aware that India Online Pay does not warrant the acts of its Merchants or customers or visitors. All customers and visitors should be aware that when they disclose their personal information to third parties, there is a possibility that the information may be collected and used by others to send that person unsolicited e-mail from other parties, outside of India Online Pay. In the event that you encounter any India Online Pay Merchant who is improperly collecting or using information about users or customers, please contact us by emailing at service@indiaonlinepay.