Novopay Solutions Private Limited (“Company”, “We”, “Us” and “Our”) respects the privacy of its users on www.novopay.in (“Website”) and the software applications of the Company, including but not limited to, Novopay Leadr app, Novopay Retailer – Aadhar ATM Bill Payments and DMT app, Novopay Digital Banking app, Novopay Digital Onboarding app, Novopay Consumer app and any other application developed by the Company (“Apps”), (Website and Apps together called “Platform”). For the purposes of this User Agreement, the term “User(s)” and wherever the context so requires “You”, “Your”, “Yourself” shall mean any natural or legal person who accesses or uses the Application and in the event that a natural person is representing a business entity, reference to such terms shall include a reference to the business entity.
The Company collects Users’ personal information to provide and facilitate services to the User. These include but are not limited to: name, mailing address, telephone numbers, PIN code, email addresses, bank account details, biometric scanning information, government identification documents and other information that may be required for providing the services requested by the User. The services include Aadhar enabled payments, direct money transfer, cash management services, bill payments, mobile and DTH recharges, health insurance facilitation and payments, financing facilitation and other digital services. (“Services”). All this information is provided voluntarily by the User through initiation of various Services in the Platform or with our agents at brick and mortar stores or certain times, online or through the procedure undertaken for e-KYC of the User, for availing our Services.
We may also collect KYC documents while engaging agents/consultants (retailer), with the consent of such retailers. We partner with third party service providers such as insurance aggregators, financing facilitators and other service providers, with the intention of making such services available to our retailers. In such cases, we transfer certain personal information of retailers such as name, phone number, address, date of birth, bank account details, KYC data etc. with such partner third-party service providers, only with the consent of retailers. This information shall be used only for providing such third-party services to retailers.
When You use our Platform or Services, we may collect and store your personal information in order to record, support and facilitate your participation in the Services to provide you with a customized site experience to notify you of any updated information. We collect your information mainly to provide the service requested by you. It is used for Service provision and ongoing User's support. The information can also be used by the Company for sending periodic emails announcing important service changes, new features, technical issue updates and news, etc. The Users may decide NOT to receive such emails by replying to any of them with “Unsubscribe” in the subject. The information is also used for purposes like improving the efficiency and effectiveness of the Platform/Website.
We may share basic User information (Mobile Number, Name etc) with the agencies appointed by us to send out SMS & Email communications related to our business. We have ensured that these parties shall keep any Personally Identifiable Information provided by us confidential and will not be initiating any unsolicited communication messages to you.
Collection of routine information
Certain information may be collected each time You access or use the Platform which are saved in server logs, which includes IP address used by You to connect to the internet and operating system and browser on/from which You are accessing the Platform. It is clarified that these statistics help Us in improving the efficiency of the Platforms by giving Us information relating to Your use of the Platform. Such information may include details of Your last visit to Platforms, including time, date and the duration of Your session on the Platform. This information is used by Us to understand the broad demographic information for aggregate use of the Website and to improve Your user experience of the relevant platform.
Data Collection Devices
We use data collection devices known to collect and store information of Users accessing the Platform, including cookies and trackers. This helps in improving Your experience on the Website. This anonymous information is maintained distinctly and is not linked to the User Information You submit to Us.
Use of User Information
Further, we use your personal information to: resolve disputes; troubleshoot problems; help promote safe transactions; collect fees owed; measure user interest in the services provided by us, inform you about online and offline services and updates; customize your experience; detect and protect us against error, fraud and other criminal activity and as otherwise described to you at the time of collection. In our efforts to continually improve our service offerings, we also collect and analyze demographic, account and usage data about our users' activity on our Platform/Website.
User Information provided by You is used by Us for the following purposes:
We may use your Personal Information to (i) administer the Services, (ii) personalize the Services offered to Users, (iii) facilitating Your use of the Platform, end to User direct links to the Services, (iv) process transactions, process installations, (v) send newsletters/ updates to Users, (vi) develop, deliver, and improve our products, services, content, and advertising, (vii) send important notices, such as communications about purchases/downloads and changes to our policies, (viii) auditing, data analysis, and research to improve the Services, (ix) troubleshooting and helping us understand usage trends, (x) send alerts to Users personalizing Your experience on the Platform and marketing, (xi) promotion of the Services, (xii) prevention of fraud or abuses of the Platforms, (xiii) protecting the integrity of the Platforms, and (xiv) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law.
Retention of User Information
We shall retain User’s Personal Information for the period necessary to fulfil the purposes outlined in this Policy unless a longer retention period is required or permitted by law.
Sharing of User Information
Your User Information, except any Personally Identifiable Information, may be shared with such third parties as are required for facilitating the communication of offers and services tailored for You and to grow Our business which may include Our affiliates, strategic partners, investors, suppliers, vendors, consultants and service providers as the case maybe.
The User Information may be saved in servers situated in India.
Except as provided herein, We shall specifically disclose Your User Information including Your Personally Identifiable Information in circumstances where:
To prevent any form of unlawful interception or misuse of User Information, We use reasonable physical, electronic, and managerial procedures to safeguard and secure the User Information collected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or misuse of Your User Information including internal reviews of data collection, storage and processing practices and other reasonable security measures which are equivalent to security measures that We use to protect Our own confidential information. However, as You are aware, no online application or website is free of security risks and We do not make any representation in respect of the same.
We do not warrant that Our Platform or any electronic communication made by Us, our affiliates and/or other third parties is free from virus or other harmful effects. In the event of any errors in transmission or due to an act of a third party, We shall have no liability. You explicitly agree that Your use of the Platform, information and/or services is at Your own individual risk. You agree and confirm that Your User Information may be transferred, processed and stored across national borders. You hereby confirm that You have been made aware of the security measures undertaken by Us and You expressly consent to Us storing, handling, using Your User Information.
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