Effective Date: 18-11-2024
Thank you for choosing One8Pay. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share your personal information specifically in relation to our services, which include BBPS (Bharat Bill Payment System), Payment Orchestration Platform (POP), and KYC (Know Your Customer) Authentication or use of our website for any product and service, covering all information collected when you access and use One8Pay’s offerings. By interacting with us, you agree to the practices described in this policy. If you disagree with any part of this Privacy Policy, please refrain from using our website or services. We may update this policy from time to time without prior notice. We recommend reviewing it periodically on our website for the latest information.
1. Information We Collect
When you use One8Pay’s services, we collect the following types of information:
- Identification Information
We gather personal information like your name, email address, phone number, date of birth, and government-issued identification numbers (such as PAN, passport, or driver’s license). Additionally, we collect other demographic, contact, and historical details when you register for, access, or use One8Pay’s BBPS, POP, or KYC Authentication Services. This may include your signature, login credentials for account authentication, and technical data like your IP address, all of which are utilized for identification and verification purposes.
- KYC Information
To comply with regulatory requirements for KYC authentication, we may gather additional information such as photographs, proof of address, and other relevant documents. We may also access publicly available records, including those related to criminal convictions and arrests, to conduct background checks when permitted by applicable law.
- Financial Information
For processing transactions through our BBPS and POP services, we may collect bank account details, payment card information, Payment history, transaction amount, and associated data
- Transaction Details and Insights
When you engage with our BBPS, POP, KYC Authentication, or related services to facilitate, accept, initiate, or document payments, we collect key details about the transactions. This includes information such as the time and location of the transactions, the identities of the parties involved, transaction descriptions, amounts transferred or billed, shipping and billing data, as well as the devices and payment methods utilized to execute the transactions.
- Creditworthiness and Fraud Prevention
To ensure compliance, detect fraud, and assess creditworthiness, we may obtain information about you from third-party sources. This includes data collected during credit investigations, identity verification, account validation, or collection activities, as required by applicable laws. Such information may involve the exchange of account or credit details with credit bureaus, financial institutions, personal reporting agencies, or entities you have financial relationships with, including past, current, or future employers. These measures are integral to safeguarding financial transactions and maintaining regulatory compliance.
- Voluntary Contributions
We collect additional information you choose to share with us. This may include responses to surveys, participation in contests or promotions, feedback or suggestions for improvement, referrals, or any other input provided while interacting with our services or marketing activities.
- Device and Usage Information
We collect data about the devices you use to access One8Pay, including device type, operating system, IP address, browser type, and usage patterns on our platform.
- Location Information
With your consent, we may collect geolocation data from your device to enhance service delivery. You can disable this feature in your device settings.
- Information from Third Parties
Verification Data: Information obtained from authorized third-party agencies for identity verification and fraud prevention as part of KYC and POP services.
2. How We Use Your Information
The information we collect is used for a variety of purposes, including but not limited to:
- Provision of Services: To provide you with BBPS services, KYC authentication, Payment Orchestration Platform (POP), and other services you request.
- Service Improvement: To improve our platform and services, including analysis of usage trends, customer preferences, and troubleshooting issues.
- Authentication and Security: To verify your identity, prevent fraud, and enhance the security of our platform.
- Compliance: To comply with legal and regulatory requirements, including KYC norms and anti-money laundering (AML) obligations.
- Customer Support: To respond to inquiries, provide assistance, and resolve issues or concerns you may have with our services.
- Marketing and Communication: To send you promotional offers, updates on our services, or other communications that may be of interest to you (you can opt out of these communications at any time).
3. How We Share Your Information
We may share your personal information in the following scenarios:
- Service Providers: We may share your data with third-party service providers who help us operate our platform and provide our services (e.g., payment processors, hosting providers, customer support services).
- Business Transactions: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction.
- Legal Requirements: We may disclose your information when required to do so by law or when we believe that such disclosure is necessary to comply with legal obligations, enforce our agreements, or protect our rights, property, or safety, or that of others.
- Third-Party Partners: We may share your information with partners for purposes such as joint marketing efforts or providing enhanced services. We will only share data with partners if they agree to handle your information in a manner consistent with this Privacy Policy.
4. Data Retention
We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. This includes retaining data for compliance with legal and regulatory requirements, resolving disputes, and enforcing agreements.
When your personal data is no longer needed, we will take reasonable steps to delete or anonymize the data, in accordance with applicable data protection laws.
5. Data Security
We implement industry-standard security measures to protect your personal data, including encryption, firewalls, and secure server infrastructure. However, please be aware that no security measure is 100% effective, and we cannot guarantee the absolute security of your data.
6. Your Rights and Choices
You have certain rights with respect to your personal data:
- Access and Correction: You can request access to the personal information we hold about you, and you can request to correct or update any inaccurate or incomplete information.
- Deletion: You can request the deletion of your personal data, subject to legal and contractual obligations.
- Opt-Out: You may opt out of receiving marketing communications from us by following the unsubscribe instructions in the communication or by contacting us directly.
- Consent: Where applicable, you have the right to withdraw your consent to the processing of your data. However, please note that this may affect your ability to use certain services we provide.
7. Cookies and Tracking Technologies
We may use cookies, web beacons, and other tracking technologies to collect information about your interactions with our services. These technologies help us understand how you use our platform and can be used to customize your experience.
You can control the use of cookies through your browser settings. However, disabling cookies may impact your ability to use certain features of our platform.
8. Children’s Privacy
Our services are not intended for children under the age of 18, and we do not knowingly collect personal data from children. If we learn that we have collected personal data from a child under 18, we will take steps to delete the information as soon as possible.
9. International Transfers of Data
As One8Pay operates globally, your personal data may be transferred, stored, and processed in countries outside your own jurisdiction. By using our services, you consent to the transfer of your data to countries that may have different data protection laws than your home country.
10. Changes to This Privacy Policy
We reserve the right to update or amend this Privacy Policy from time to time. If we make any changes, we will post the updated Privacy Policy on our platform and update the effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.
11. Jurisdiction and Governing Law
All disputes, differences, or claims arising out of or related to this Privacy Policy, including its breach, termination, or validity, shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996, as amended.
- Sole Arbitrator: Appointed jointly by both parties.
- Arbitration Seat: New Delhi, India.
- Language: English.
- Confidentiality: All arbitration proceedings shall remain confidential and not open to the public.
The arbitrator’s decision shall be final and binding on both parties.
12. Contact Us
If you have any questions, grievances, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:
- [Grievance Officer]
- Email: care@one8pay.com
- Phone: +91 9958396665
- Address: One8pay, NIO Evotech Pvt. Ltd, B-609-610, 6th Floor, Tower B, Plot No. 8, Block-B, KLJ Noida One, Sector 62, Noida, UP - 201301
This Privacy Policy was last updated on 11-11-2024.
If you have any questions, concerns, or believe that this notice or applicable privacy laws have not been adhered to, you can file a complaint with our Privacy Department using the contact details provided above. Upon receiving your complaint, we will inform you about the person handling your matter and provide an estimated timeline for our response.
To address your concerns, we may ask for additional information and consult with other parties as necessary during the investigation. Records of your request and the resolution may be retained for reference and compliance purposes.
This privacy policy outlines One8Pay’s commitment to ensuring that user information is handled with the utmost care and transparency. It reflects the current services offered and accounts for potential future changes as new products or services are added.
By using One8Pay services, you acknowledge that you have read and understood this Privacy Policy.
