PRIVACY POLICY
We respect your privacy on Psrao Digital Solutions. Our privacy policy is summarized in callouts like this,
highlighting the points that are most relevant to you. It is important that you read the entire
privacy statement because it pertains to you.
INTRODUCTION
This document serves as the privacy policy or "privacy notice" of Psrao Digital Solutions ("we," "us," or
"Psrao Digital Solutions"). It pertains to all personal data that we handle, with the exception of
information concerning our personnel, which is addressed in a distinct privacy policy.
The term 'personal data' as used in this privacy statement, encompasses any identifiable information
pertaining to an individual, whether used in isolation or in conjunction with other data that we may
maintain. This may encompass personal data such as identification documents, name, title, date of
birth, gender, postal address, email address, computer IP address, telephone number, and bank
account information.
The following privacy statement describes how Psrao Digital Solutions collects and utilizes personally
identifiable information. This includes any personal information you may provide in accordance with
the terms of any contract you enter into with us, as well as any personal information you provide to
us (or that becomes accessible to us) via the Psrao Digital Solutions website or that we may obtain from
other sources.
WHO IS COVERED BY THIS POLICY?
All persons who visit the website psraodigitalsolutions.com and provide information to the Psrao Digital Solutions online
are covered under this Policy. This Policy does not cover the information provided through other
modes of communication to Psrao Digital Solutions.
DEFINITIONS
1. PERSONAL INFORMATION
Psrao Digital Solutions defines "Personal Information" as any data pertaining to an individual that, when
combined with other information that is readily or potentially accessible through a corporate body,
can be used to identify that individual, either directly or indirectly. Such details consist of
personal information such as name, address, and mobile number.
2.SENSITIVE PERSONAL DATA OR INFORMATION
Psrao Digital Solutions defines "sensitive personal data" as information about a person which consists of
information such as:
- Passwords;
- Financial information such as bank accounts or credit card or debit card or other payment
instrument details;
- Physical, physiological and mental health condition;
- Sexual orientation;
-
Medical records and history;
-
Biometric information;
-
Any of the information received under above clauses by body corporate for processing or storage
under lawful contract or otherwise.
3.PAYMENT DATA
The term "Payment Data" refers to comprehensive transaction information and details concerning a
settlement or payment transaction, which are collected, transmitted, and processed in conjunction
with a payment message or instruction. The Payment Data comprises the following:
- Customer data (e.g., name, mobile number, email address, Aadhaar number, PAN number, and so
forth).
- Payment sensitive data (details of the customer and beneficiary accounts).
- Payment credentials (e.g., OTP, PIN, passwords).
- Transaction data (information regarding the originating and destination systems, transaction
reference, timestamp, and amount).
PRINCIPLES OF DATA PROCESSING
Psrao Digital Solutions will process your Personal Information in accordance with the following principles:
1. Lawfulness, Fairness And Transparency: We are committed to processing your
Personal Information in a fair, transparent, and compliant manner.
2. Purpose: We are committed to processing your Personal Information in a fair,
transparent, and compliant manner.
3. Data Minimization: Psrao Digital Solutions will collect only Personal Information that is
appropriate and relevant to the purposes for which it is collected.
4. Accuracy: Psrao Digital Solutions will maintain accurate and up-to-date Personal
Information.
5. Storage Limitation: Psrao Digital Solutions will store personal information for a
defined period in accordance with its policy or applicable law.
6. Integrity and Confidentiality: Personal Information will be protected through
appropriate technical, organizational, and physical safeguards.
WHAT PERSONAL DATA DO WE COLLECT?
We collect data about you using different methods. The following methods are used to collect data:
1. OUR WEBSITE
When you use our website, we may collect, use, store and transfer the following data:
you give us while using our website. Using our website may require you to provide
us with personally identifiable information. We will need your full name, your email address, your
phone number, and your website.
Automated technologies or interactions. When you use our website, we may collect
information from cookies, server logs, and other technologies, such as web beacons. You will be
asked to provide your computer's internet protocol, browser type, browser version, country from
which you accessed our website, how you arrived on our website, length of your visit, and the pages
you viewed.
2. OUR SERVICES
We may collect, use, store, and transfer the following personal data when you use our Services:
Personal data collected from our merchants.Personal information will be requested
from you as part of the application process to become one of our merchants. During your use of our
services, you may be required to provide us with additional personal information. We will collect,
store, and process personal data pertaining to you and any other individuals associated with you,
including but not limited to your full name, email address, date of birth, residential address,
proof of address, photocopy of a personal identification card or passport, and any other information
necessary for the onboarding process and compliance with relevant legal obligations, if you are a
merchant applying to utilize our services.
Personal data collected from our merchants.People with credit or debit cards who
pay a merchant using our services may give us financial and transaction-related information about
you and the transaction. This could include your billing address, delivery address, date of birth,
purchase amount, date of purchase, payment method, credit or debit card number, bank account
information, and more.
When required for compliance with applicable laws. We may check your information
against government sanction lists, credit references or fraud prevention agencies or find
information from publicly available sources in order to follow the law. This includes laws and rules
against money laundering and funding for terrorism. We may do this directly or through identity
verification or due diligence and screening information providers.
When securing our website and Services.With the help of our data security
providers, we may collect details about your device, your transaction, your computer's internet
protocol, and other technical information about you.
When marketing our Services.Data on identity and contact may be collected from
publicly available sources.
HOW DO WE USE YOUR PERSONAL DATA?
Your personal data will be processed in the following circumstances:
- Where we must fulfill our merchant deal with you.
- When it is essential to protect our legitimate interests (or those of a third party) and your
interests and basic rights, do not conflict, such as preventing financial loss or other harm to
our merchants, you, and us.
- Where we must detect and prevent fraud to meet legal or regulatory requirements.
- We must assess and improve our products, website, systems, and tools.
We may process your personal data in the following ways:
- To keep the website, the Services, and you safe from fraud, abuse, and other bad things that
might happen by watching, finding, and stopping these things.
- To do what we're supposed to do and enforce the rules of our website and Services, which
includes following all laws and rules that apply.
- Handle a payment, talk to third parties about a payment, and offer customer service connected to
a payment.
- Keep an eye on illegal actions and stop information security risks that could happen with our
website and Services.
- Look over your request to use our services and make sure you are who you say you are for
compliance reasons.
- Answer questions, send out service reminders, and help customers.
- For audits, government reasons, and to make sure that industry standards are met.
- Let you know when the type or terms of our Service change
- To run our website, which includes fixing problems, analyzing data, testing, doing research,
making statistics, and sending out surveys.
- To make our website better so that the information is shown in the best way possible.
- Verify that you are who you say you are when you log in to your account.
- To change or make our Services better.
- To send messages about business.
- To do aggregate analysis and gather business intelligence that helps us run, protect, make smart
choices about our business, and report on its performance.
HOW DO WE DISCLOSE PERSONAL INFORMATION?
The following parties may receive Personal Information from us:
Affiliates. Our affiliates may receive any Personal Information we receive and use
it for the purposes described in this Policy.
Vendors, Service Providers, and Business Partners. Our business partners, vendors,
service providers, and vendors may receive any Personal Information we receive through our Services.
Merchants. The Personal Information we receive is shared with the relevant
Merchant so that our Services can be provided.
Analytics Partners. Certain analytics data is collected and processed using
analytics services such as Google Analytics. Other websites, apps, and online resources may also
collect your Personal Information through these services.
Advertising Partners. We use advertising partners like Google and LinkedIn to get
the word out about our services. You can find out how to stop getting personalized ads from member
companies on the web by going to these opt-out pages. Your mobile operating system may have settings
that let you limit ad tracking. You can also download the AppChoices app to find out more about how
to stop personalized ads in mobile apps. So there is no doubt we do not currently run ads from other
companies on our Services.
With Your Consent.Your Personal Information may be disclosed to additional parties
with your consent.
COOKIES
We utilize cookies to enhance your browsing experience and tailor our services to your needs.
Cookies, small pieces of data sent to your computer's hard drive, are employed by our website. These
can be session cookies, which expire when you close your browser, or persistent cookies, which
remain until you delete them. Disabling cookies may impact the functionality of some areas on
Psrao Digital Solutions.
Psrao Digital Solutions incorporates third-party tools that use cookies to collect anonymous information
about your interactions with our products and services. While these third parties may use data from
your visits to Psrao Digital Solutions and other websites to customize advertisements, no Personal
Information is accessed. These third parties lack knowledge of or access to your personal details
such as name, phone number, address, or email address. Users can opt-out of sharing information with
third parties by deactivating cookies, a process that varies by browser. Refer to your browser's
help file for guidance on disabling cookies.
HOW LONG DO WE STORE YOUR PERSONAL DATA FOR?
- Personal data will be retained only for the duration required to fulfill the initially stated
purposes, which may include meeting legal, accounting, or reporting obligations.
- The determination of the appropriate retention period involves considering factors such as the
amount, nature, and sensitivity of the personal data.
- Evaluation of the potential risk of harm resulting from unauthorized use or disclosure of
personal data is taken into account.
- The specific purposes for processing personal data and the feasibility of achieving these
purposes through alternative means are considered in the determination of retention periods.
- Legal requirements applicable to the retention of personal data are considered and adhered to in
establishing the appropriate duration.
- Once the purposes for which personal data was collected are fulfilled, steps will be taken to
ensure the secure and timely disposal of the data.
SECURITY OF YOUR PERSONAL DATA
We protect personal information from loss, theft, use, access, or changes by people who aren't
supposed to by using administrative, technical, and physical means. Our employees and third-party
service providers are required to handle your personal information only in the ways we tell them to,
and they are also required to keep your information secret.
Some parts of our website might need a password to get in. If we give you or let you pick a
password, you are responsible for keeping it secret. Please don't let anyone else know your
password(s).
When you pay us through our website or over the phone, the information is encrypted and handled
safely by software from outside our company. We have set up steps to deal with any potential breach
of personal data. If the law requires us to, we will tell you and any relevant regulators about a
breach.
LINKS TO OTHER WEBSITES
The website for Psrao Digital Solutions might have links to other sites that you might be interested in. The
visitor should know that if they choose to link to other websites, Psrao Digital Solutions is no longer
responsible for protecting their information when it is shared with other websites. This Privacy
Policy or statement does not apply to the sharing of information. Because of this, the Visitor might
want to be careful and read the privacy policies of those websites.
Similarly, links to Psrao Digital Solutions's website may be found on a number of different third-party
websites. The website name, on the other hand, is not responsible for the content or material of
those other websites. If someone gives their information to other websites that have a link to
Psrao Digital Solutions's website or its logo, Psrao Digital Solutions is not responsible for any breach of privacy or
misuse of that person's information by those other websites. This includes but is not limited to
data theft.
YOUR RIGHTS
Your personal data is protected under certain circumstances by data protection laws:
Request access to your personal data. You can use this to request a copy of the
information we hold about you, as well as to make sure that we are lawfully processing it.
Request correction of the personal data we hold about you. We may need to verify
the accuracy of the new data you provide to us before we can correct any incomplete or inaccurate
data we hold about you.
Request erasure of your personal data. This enables you to request the deletion or
removal of your personal data. If your right to object to processing has been successfully
exercised, if we may have improperly processed your information, or if we need to erase your
personal data in order to comply with local law, you may also ask us to delete or remove your
personal data.
Data retention may be required by law or for tax purposes, but we will evaluate your request within
applicable data protection laws.
Object to processing of your personal data. Our processing of your personal data
can be objected to in certain circumstances. When we are processing your personal data for direct
marketing purposes, you have the right to object. We will be happy to assist you in exercising this
right at any time.
Request restriction of processing of your personal data. This allows you to ask us
to suspend the processing of your personal data if: (a) you want us to establish the data's
accuracy; (b) our use of the data is unlawful but you do not want us to erase it; (c) you need us to
hold the data even if we no longer need it to establish, exercise, or defend legal claims; or (d)
you have objected to our use of your data and we are considering whether we have overriding
legitimate interests.
Request your personal data transfer to you or a third party. Your personal data
will be structured, commonly used, and machine-readable for you or a third party you choose. You
have this right to information we use with your consent or to complete a contract.
AGE OF CONSENT
The use of this site signifies that you are either at least eighteen (18) years old in your state or
province of residence, or that you are at least eighteen (18) years old in your state or province of
residence and have given us permission to allow any of your minor dependents access this site.
CHANGES TO THIS PRIVACY POLICY
We reserve the right to modify this privacy policy at any time, so be sure to review it often. Any
changes or clarifications posted on the website will take effect immediately. Whenever we make
material changes to this policy, we will notify you here so you are aware of what information we
collect, how it is used, and under what circumstances it is used and/or disclosed.
QUESTIONS AND CONTACT INFORMATION
For access, correction, amendment, or deletion of any personal information we have about you, or if
you simply want more information, please contact our Privacy Compliance Officer support@psraodigitalsolutions.com.