1. Acceptance of this Policy
2. Applicability of this Policy
3. Changes to this Policy
TOPAY includes its affiliates and subsidiaries, TOPAY Associates shall mean such entities that provide and facilitate services with TOPAY, including banks, acquirers and providers of payment gateways or such other vendors engaged by TOPAY to provide its services.
TOPAY Account/Services means any services and any and all related TOPAY platforms, applications and services offered to you by TOPAY in connection with your TOPAY Account and include such services which may be offered by TOPAY including but not restricted to digital payment solutions, invoice discounting, facilitating business credit and such other services as may be offered by TOPAY from time to time.
Personal Data/Information means personal information that can be associated with an identified or identifiable person. “Personal Data” can include name, postal address (including billing and shipping addresses), telephone number, email address, credit card number, bank account number, other financial account information, financial statements, date of birth, and government-issued credentials (e.g., driver's license number, permanent account number Aadhar Number, passport etc.). Personal Data does not include information that does not identify a specific User.
"User": shall mean and include a person who registers himself on the TOPAY platform to transact or avails all or any of TOPAY services this can include an individual resident in India or entity or company registered in India.
5.Information we collect
The user will be required to submit the following information while registering: When the users open a TOPAY account or avails of a TOPAY service or downloads a TOPAY application through a platform, TOPAY shall collect following information as necessary to render our services: - Name, postal address, date of birth, mobile/telephone phone number, email address, PAN, GST, financial information like bank account details, identification information of the user to set up the Account
TOPAY after obtaining the consent of the user at the time of registration also access the following information; device ID for mapping the application to the device on which it is registered, SMS for entering the activation code directly in the application during the activation, details of the browser, operating system, domain name, IP address, mobile application version.
When the user access TOPAY Sites, to process payments, or to send money, TOPAY may collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information. When the user uses the Services or access the Sites, TOPAY shall collect Personal Data the user provides TOPAY about the other participants associated with the transaction such as name, postal address, telephone number, and financial account information about the payee/payer who is receiving money from the user or sending money to user. This information related to the payee/payer and relating to transaction carried out on the Sites is also collected and stored by TOPAY.
By choosing to provide this personal information, a User expressly consents to the transfer and storage of that information on TOPAY / TOPAY Associate servers.
6.Storage of Personal Information
7. Use of Personal information
We use personal information for varied reasons:
to provide and improve the services you request
to initiate and complete the transaction and/or settlement as requested;
to authenticate your KYC documents;
to perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes;
to tailor and customize your experience at our TOPAY platform;
to provide you with content that we think you might be interested in and to display content according to your preferences;
to resolve disputes; troubleshoot problems;
to promote a safe service;
to measure user interest in our services through monitoring, research and also analysis of the user behavior on the Sites;
to inform you on online and offline offers, products, services, and updates;
to detect and protect us against error, fraud and other criminal activity;
to comply with the relevant laws and regulations and enforce the terms and Services;
When a User utilizes the TOPAY platform or sends emails or other data, information or communication to TOPAY or any of its accredited service providers or banks, the User agrees and understands that such information and transaction related data may be communicated through a third-party payment gateway controlled by a TOPAY Associate through electronic records and to the acquirer or the banks. The User expressly consents that such personal information and transaction related data and/or data related to the payer/payee shall be shared to such parties in course of the services provided by us. The User consents to receive communications via electronic records from such TOPAY Associate periodically. Upon registration with TOPAY, a User agrees that he shall be contacted on his mobile or e mail address for authentication of a transaction or from time to time about updating his content to provide features which TOPAY believes may benefit him or for the purpose of receiving promotional messages. A User's information shall remain with TOPAY and TOPAY Associates. TOPAY does not sell or rent your personal information to anyone. The user hereby confirms that he has no objection to aforesaid use of his information
8. Disclosure of Information
9. Information security
Our TOPAY platform has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.
Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized. The TOPAY platform includes links to other platforms. Such platforms are governed by their respective privacy policies, which are beyond TOPAY control.
You are aware that however as robust and effective as the security measures are, no security system is impenetrable. You hereby acknowledge that the User is aware of all security risks, including possible third-party interception of any of his transactions and statements of account on the internet and the content of his transactions or statements of account becoming known to third parties. The User agrees and undertakes that he shall not hold TOPAY / TOPAY Associates liable therefore in any way. The use and storage of any information, including without limitation, the credit card number, PIN, password, account information, transaction activity, account balances and any other information available on the User's internet access device or computer or mobile phone is at his own risk and responsibility. The User furthermore acknowledges and accepts that TOPAY may not encrypt all content or communications from and to their TOPAY platform
11. Choice of opt in/opt out
We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account. If you want to remove your contact information from all our lists and newsletters, please write to us on email@example.com
User agrees not to disclose or attempt to use or personally benefit from any non-public information that he may learn on the TOPAY platform or through the Services.
The User hereby agrees that the account information and copies of all documents submitted by a User are and shall remain the sole and exclusive property of TOPAY, and TOPAY shall not be obliged to return the same to him upon his request. Any unauthorized access to the TOPAY web-site is a breach of these terms and a violation of the law
A User agrees not to access TOPAY web-sites by any means other than through the interface that is provided by TOPAY for use in accessing the same. Any content that maybe restricted or banned by a government order, will be withdrawn during the pendency of that order.
TOPAY is the sole and absolute owner of all and whatsoever intellectual property rights in the trade mark " TOPAY " and the design in respect thereof. TOPAY will be entitled to take any legal action against any person invading and/or encroaching upon the said rights.
This Policy does not apply to the practices of companies that TOPAY does not own or control, or to people that TOPAY does not employ or manage. If a User has any questions, he may write to TOPAY Customer Support at firstname.lastname@example.org