RVN PAY Merchant, Pragati Capital, RVN PAY Digi, Channel Partner, RVN PAY Force are an application (hereinafter referred to as “RVN PAY Apps or RVN PAY” )
This Privacy Policy provides you with details about the manner in which your data is collected, stored & used by us. You are advised to read this Privacy Policy carefully. By visiting RVN PAY website/WAP site/applications, mobile application, (collectively referred as website/App) you expressly give us consent to use & disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of the policy, please do not use or access RVN PAY website/App.
The terms “We” / “Us” / “Our” individually and collectively refer to each entity being part of the definition of RVN PAY and the terms “You” / “Your” / “Yourself” refer to the users.
Note:
Our privacy policy is subject to change at any time without notice. Though every effort would be made to keep you informed of the changes, if any, to the policy, you are kindly advised to review the policy periodically.
By downloading this RVN PAY application or using website you agree to be bound by the terms and conditions of this Privacy Policy. As this policy enables us to provide you a secure and a wholesome experience, we will not be able to register you, if you are not in agreement with these terms.
By mere use of the App/Website, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use
Personal Data
Personal Data we may collect from you are as under:
? Personal details (e.g. name,email address, contact details including, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID /driving license, and/or education details) provided by you to us to avail various products/services from us.
? Your details including transaction history, balances, payment details, for effecting transfer of money through various payment channels provided by us.
? Financial details (e.g. income, and/or credit history) needed as part of request for some of our products/services;
? Images of documents/ photos required to avail any of our products/services.
? Voice recordings of our conversations with our customer care agent with you to address your queries/grievances;
? Information obtained from your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.
Use of Personal Data
Personal Data we may collect from you are as under:
? We use your Personal Data in our business activities for providing our or our partners’ products/services and to perform, among other actions, the following:
? to facilitate the transactions or report on these transactions;
? to undertake research and analytics for offering or improving our products/services and their security and service quality;
? to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services;
? to share with you, updates on changes to the products/services and their terms and conditions;
? to take up or investigate any complaints/claims/disputes;
? to respond to your queries or feedback submitted by you;
? to verify your identity for us to provide products/services to you;
? to carry credit checks, screenings or due diligence checks as lawfully required by us;
? to monitor and review products/services from time to time;
? to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
? for conducting audits and for record keeping purposes;
? for selective offers and promotions.
We may provide your personal information to our affiliates or other trusted businesses or persons or service providers engaged by us, or institutions that we partner with to assist us with providing you with products/services to better serve your needs and interests, based on your instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.
We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.
Sharing of personal information
We may share personal information with our other corporate entities and affiliates.
We may use personally identifiable information (email address, name, phone number, credit card / debit card / other payment instrument details, etc.) provided by you to our corporate entities and affiliates in the course of making transactions.
We may also disclose anonymised data derived from your personal information to third parties. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.
We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.
We and our affiliates will share / sell some or all of your personal information with another business entity should we (or our assets) plan to merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business. Should such a transaction occur that other business entity (or the new combined entity) will be required to follow this privacy policy with respect to your personal information.
Purging of your Personal Data
? You may delete your account at any point of time by making such choice in the RVN PAY App, website, mobile WAP site or mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law.
? The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.
Cookie Policy
? Please note that a “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
? We may use cookie and tracking technology depending on the features offered.
? No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.
Links to other websites
Our website may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other websites’ privacy policies when visiting these websites.
Reasonable Security Practices and Procedures
We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.
We have provided multiple levels of security to safeguard your app by Login/Logout option and AppLock feature that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication/OTP. Please do not share your App login, password and OTP details with anybody.
Choice/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 lists and newsletters, please click on the unsubscribe button on the emailers.
Your Consent
By using the app and/ or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this Privacy Policy, including but not limited to Your consent for sharing your information as per this privacy policy.
If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it Grievance Officer
In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:
THIS PRIVACY POLICY IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER THE INFORMATION TECHNOLOGY ACT, 2000 AND THE RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS / RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THIS PRIVACY POLICY DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE.
THIS PRIVACY POLICY IS A LEGALLY BINDING DOCUMENT BETWEEN YOU AND WELCOME STORE (BOTH TERMS DEFINED BELOW). THE TERMS OF THIS PRIVACY POLICY WILL BE EFFECTIVE UPON YOUR ACCEPTANCE OF THE SAME (DIRECTLY OR INDIRECTLY IN ELECTRONIC FORM, BY CLICKING ON THE ACCEPT TAB OR BY USE OR THE WEBSITE OR BY OTHER MEANS) AND WILL GOVERN THE RELATIONSHIP BETWEEN YOU AND WELCOME STORE FOR YOUR USE OF THE WEBSITE (DEFINED BELOW).
THIS DOCUMENT IS PUBLISHED AND SHALL BE CONSTRUED IN ACCORDANCE WITH THE PROVISIONS OF THE INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OF INFORMATION) RULES, 2011 UNDER INFORMATION TECHNOLOGY ACT, 2000; THAT REQUIRE PUBLISHING OF THE PRIVACY POLICY FOR COLLECTION, USE, STORAGE AND TRANSFER OF SENSITIVE PERSONAL DATA OR INFORMATION.
PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY USING THE WEBSITE, YOU INDICATE THAT YOU UNDERSTAND, AGREE AND CONSENT TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT USE THIS WEBSITE. YOU HEREBY PROVIDE YOUR UNCONDITIONAL CONSENT OR AGREEMENTS TO WELCOME STORE AS PROVIDED UNDER SECTION 43A AND SECTION 72A OF INFORMATION TECHNOLOGY ACT, 2000.
By providing us your Information or by making use of the facilities provided by the Website, You hereby consent to the collection, storage, processing and transfer of any or all of Your Personal Information and Non-Personal Information by WELCOME STORE as specified under this Privacy Policy. You further agree that such collection, use, storage and transfer of Your Information shall not cause any loss or wrongful gain to you or any other person.
Jasper Infotech Private Limited and its subsidiaries and affiliates and Associate Companies (individually and/ or collectively, “WELCOME STORE”) is/are concerned about the privacy of the data and information of users (including sellers and buyers/customers whether registered or non-registered) accessing, offering, selling or purchasing products or services on WELCOME STORE websites, mobile sites or mobile applications (“Website”) on the Website and otherwise doing business with WELCOME STORE. “Associate Companies” here shall have the same meaning as ascribed in Companies Act, 2013.
The terms “We” / “Us” / “Our” individually and collectively refer to each entity being part of the definition of WELCOME STORE and the terms “You” / “Your” /“Yourself” refer to the users.
This Privacy Policy is a contract between You and the respective WELCOME STORE entity whose Website You use or access or You otherwise deal with. This Privacy Policy shall be read together with the respective Terms Of Use or other terms and condition of the respective WELCOME STORE entity and its respective Website or nature of business of the Website.
WELCOME STORE has provided this Privacy Policy to familiarise You with:
· The type of data or information that You share with or provide to WELCOME STORE and that WELCOME STORE collects from You;
· The purpose for collection of such data or information from You;
· WELCOME STORE information security practices and policies; and
· WELCOME STORE’s policy on sharing or transferring Your data or information with third parties.
This Privacy Policy may be amended / updated from time to time. Upon amending / updating the Privacy Policy, we will accordingly amend the date above. We suggest that you regularly check this Privacy Policy to apprise yourself of any updates. Your continued use of Website or provision of data or information thereafter will imply Your unconditional acceptance of such updates to this Privacy Policy.
· Information collected and storage of such Information:
The “Information” (which shall also include data) provided by You to WELCOME STORE or collected from You by WELCOME STORE may consist of “Personal Information” and “Non-Personal Information”.
· Personal Information
Personal Information is Information collected that can be used to uniquely identify or contact You. Personal Information for the purposes of this Privacy Policy shall include, but not be limited to:
· Your user name along with Your password,
· Your name,
· Your address,
· Your telephone number,
· Your e-mail address or other contact information,
· Your date of birth,
· Your gender,
· Information regarding your transactions on the Website, (including sales or purchase history),
· Your financial information such as bank account information or credit card or debit card or other payment instrument details,
· Internet Protocol address,
· Any other items of ‘sensitive personal data or information’ as such term is defined under the Information Technology (Reasonable Security Practices and Procedures And Sensitive Personal Data Of Information) Rules, 2011 enacted under the Information Technology Act, 2000;
· Identification code of your communication device which You use to access the Website or otherwise deal with any WELCOME STORE entity,
· Any other Information that You provide during Your registration process, if any, on the Website.
Such Personal Information may be collected in various ways including during the course of You:
· registering as a user on the Website,
· registering as a seller on the Website,
· availing certain services offered on the Website. Such instances include but are not limited to making an offer for sale, online purchase, participating in any online survey or contest, communicating with WELCOME STORE customer service by phone, email or otherwise or posting user reviews on the items available on the Website, or
· otherwise doing business on the Website or otherwise dealing with any WELCOME STORE entity.
We may receive Personal information about you from third parties, such as social media services, commercially available sources and business partners. If you access Website through a social media service or connect a service on Website to a social media service, the information we collect may include your user name associated with that social media service, any information or content the social media service has the right to share with us, such as your profile picture, email address or friends list, and any information you have made public in connection with that social media service. When you access the Website or otherwise deal with any WELCOME STORE entity through social media services or when you connect any Website to social media services, you are authorizing WELCOME STORE to collect, store, and use and retain such information and content in accordance with this Privacy Policy.
· Non-Personal Information
WELCOME STORE may also collect information other than Personal Information from You through the Website when You visit and / or use the Website. Such information may be stored in server logs. This Non-Personal Information would not assist WELCOME STORE to identify You personally.
This Non-Personal Information may include:
· Your geographic location,
· details of Your telecom service provider or internet service provider,
· the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.),
· the operating system of Your system, device and the Website You last visited before visiting the Website,
· The duration of Your stay on the Website is also stored in the session along with the date and time of Your access,
Non-Personal Information is collected through various ways such through the use of cookies. WELCOME STORE may store temporary or permanent ‘cookies’ on Your computer. You can erase or choose to block these cookies from Your computer. You can configure Your computer’s browser to alert You when we attempt to send You a cookie with an option to accept or refuse the cookie. If You have turned cookies off, You may be prevented from using certain features of the Website.
Ads: WELCOME STORE may use third-party service providers to serve ads on WELCOME STORE’s behalf across the internet and sometimes on the Website. They may collect Non-Personal Information about Your visits to the Website, and Your interaction with our products and services on the Website.
Please do note that Personal Information and Non Personal Information may be treated differently as per this Privacy Policy.
You hereby represent to WELCOME STORE that:
· the Information you provide to WELCOME STORE from time to time is and shall be authentic, correct, current and updated and You have all the rights, permissions and consents as may be required to provide such Information to WELCOME STORE.
· Your providing the Information to WELCOME STORE and WELCOME STORE consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third party agreement, laws, charter documents, judgments, orders and decrees.
WELCOME STORE and each of WELCOME STORE entities officers, directors, contractors or agents shall not be responsible for the authenticity of the Information that You or any other user provide to WELCOME STORE. You shall indemnify and hold harmless WELCOME STORE and each of WELCOME STORE entities officers, directors, contracts or agents and any third party relying on the Information provided by You in the event You are in breach of this Privacy Policy including this provision and the immediately preceding provision above.
Your Information will primarily be stored in electronic form however certain data can also be stored in physical form. We may store, collect, process and use your data in countries other than Republic of India but under compliance with applicable laws. We may enter into agreements with third parties (in or outside of India) to store or process your information or data. These third parties may have their own security standards to safeguard your information or data and we will on commercial reasonable basis require from such third parties to adopt reasonable security standards to safeguard your information / data.
· Purpose for collecting, using, storing and processing Your Information
WELCOME STORE collects, uses, stores and processes Your Information for any purpose as may be permissible under applicable laws (including where the applicable law provides for such collection, usage, storage or processes in accordance with the consent of the user) connected with a function or activity of each of WELCOME STORE entities and shall include the following:
· to facilitate Your use of the Website or other services of WELCOME STORE entities;
· to respond to Your inquiries or fulfil Your requests for information about the various products and services offered on the Website;
· to provide You with information about products and services available on the Website and to send You information, materials, and offers from WELCOME STORE;
· to send You important information regarding the Website, changes in terms and conditions, user agreements, and policies and/or other administrative information;
· to send You surveys and marketing communications that WELCOME STORE believes may be of interest to You;
· to personalize Your experience on the Website by presenting advertisements, products and offers tailored to Your preferences;
· to help You address Your problems incurred on the Website including addressing any technical problems;
· if You purchase any product or avail of any service from the Website, to complete and fulfil Your purchase, for example, to have Your payments processed, communicate with You regarding Your purchase and provide You with related customer service;
· for proper administering of the Website;
· to conduct internal reviews and data analysis for the Website (e.g., to determine the number of visitors to specific pages within the Website);
· to improve the services, content and advertising on the Website;
· to provide value added services such as Single Sign On. Single Sign On shall mean a session/user authentication process that permits a user to enter his/her name or mobile number or e-mail address or any combination thereof and password in order to access multiple websites and applications;
· to facilitate various programmes and initiatives launched by WELCOME STORE or third party service providers and business associates
· to analyze how our services are used, to measure the effectiveness of advertisements, to facilitating payments
· to conducting academic research and surveys
· to protect the integrity of the Website;
· to respond to legal, judicial, quasi 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;
· to conduct analytical studies on various aspects including user behaviour, user preferences etc.;
· to permit third parties who may need to contact users who have bought products from the Website to facilitate installation, service and any other product related support;
· to implement information security practices;
· to determine any security breaches, computer contaminant or computer virus;
· to investigate, prevent, or take action regarding illegal activities and suspected fraud,
· to undertake forensics of the concerned computer resource as a part of investigation or internal audit;
· to trace computer resources or any person who may have contravened, or is suspected of having or being likely to contravene, any provision of law including the Information Technology Act, 2000 that is likely to have an adverse impact on the services provided on any Website or by WELCOME STORE;
· to enable a potential buyer or investor to evaluate the business of WELCOME STORE (as further described in paragraph 8 of the Privacy Policy).
[Individually and collectively referred to as (“Purposes”)]
You hereby agree and acknowledge that the Information so collected is for lawful purpose connected with a function or activity of each of the WELCOME STORE entities or any person on their respective behalf, and the collection of Information is necessary for the Purposes.
· Sharing and disclosure of Your Information
You hereby unconditionally agree and permit that WELCOME STORE may transfer, share, disclose or part with all or any of Your Information, within and outside of the Republic of India to various WELCOME STORE entities and to third party service providers / partners / banks and financial institutions for one or more of the Purposes or as may be required by applicable law. In such case we will contractually oblige the receiving parties of the Information to ensure the same level of data protection that is adhered to by WELCOME STORE under applicable law.
You acknowledge and agree that, to the extent permissible under applicable laws, it is adequate that when WELCOME STORE transfers Your Information to any other entity within or outside Your country of residence, WELCOME STORE will place contractual obligations on the transferee which will oblige the transferee to adhere to the provisions of this Privacy Policy.
WELCOME STORE may share statistical data and other details (other than Your Personal Information) without your express or implied consent to facilitates various programmes or initiatives launched by WELCOME STORE, its affiliates, agents, third party service providers, partners or banks & financial institutions, from time to time. We may transfer/disclose/share Information (other than Your Personal Information) to those parties who support our business, such as providing technical infrastructure services, analyzing how our services are used, measuring the effectiveness of advertisements, providing customer / buyer services, facilitating payments, or conducting academic research and surveys. These affiliates and third party service providers shall adhere to confidentiality obligations consistent with this Privacy Policy. Notwithstanding the above, We use other third parties such as a credit/debit card processing company, payment gateway, pre-paid cards etc. to enable You to make payments for buying products or availing services on WELCOME STORE. When You sign up for these services, You may have the ability to save Your card details for future reference and faster future payments. In such case, We may share Your relevant Personal Information as necessary for the third parties to provide such services, including your name, residence and email address. The processing of payments or authorization is solely in accordance with these third parties policies, terms and conditions and we are not in any manner responsible or liable to You or any third party for any delay or failure at their end in processing the payments.
WELCOME STORE may also share Personal Information if WELCOME STORE believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of various terms and conditions or our policies.
We reserve the right to disclose your information when required to do so by law or regulation, or under any legal obligation or order under law or in response to a request from a law enforcement or governmental agency or judicial, quasi-judicial or any other statutory or constitutional authority or to establish or exercise our legal rights or defend against legal claims.
You further agree that such disclosure, sharing and transfer of Your Personal Information and Non-Personal Information shall not cause any wrongful loss to You or to any third party, or any wrongful gain to us or to any third party.
· Links to third party websites
Links to third-party advertisements, third-party websites or any third party electronic communication service may be provided on the Website which are operated by third parties and are not controlled by, or affiliated to, or associated with, WELCOME STORE unless expressly specified on the Website.
WELCOME STORE is not responsible for any form of transmission, whatsoever, received by You from any third party website. Accordingly, WELCOME STORE does not make any representations concerning the privacy practices or policies of such third parties or terms of use of such third party websites, nor does WELCOME STORE control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such third party websites. The inclusion or exclusion does not imply any endorsement by WELCOME STORE of the third party websites, the website's provider, or the information on the website. The information provided by You to such third party websites shall be governed in accordance with the privacy policies of such third party websites and it is recommended that You review the privacy policy of such third party websites prior to using such websites.
· Security & Retention
The security of your Personal Information is important to us. WELCOME STORE strives to ensure the security of Your Personal Information and to protect Your Personal Information against unauthorized access or unauthorized alteration, disclosure or destruction. For this purpose, WELCOME STORE adopts internal reviews of the data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where WELCOME STORE stores Your Personal Information. Each of the WELCOME STORE entity shall adopt reasonable security practices and procedures as mandated under applicable laws for the protection of Your Information. Provided that Your right to claim damages shall be limited to the right to claim only statutory damages under Information Technology Act, 2000 and You hereby waive and release all WELCOME STORE entities from any claim of damages under contract or under tort.
If you choose a payment gateway to complete any transaction on Website then Your credit card data may be stored in compliance with industry standards/ recommended data security standard for security of financial information such as the Payment Card Industry Data Security Standard (PCI-DSS).
WELCOME STORE may share your Information with third parties under a confidentiality agreement which inter alia provides for that such third parties not disclosing the Information further unless such disclosure is for the Purpose. However, WELCOME STORE is not responsible for any breach of security or for any actions of any third parties that receive Your Personal Information. WELCOME STORE is not liable for any loss or injury caused to You as a result of You providing Your Personal Information to third party (including any third party websites, even if links to such third party websites are provided on the Website).
Notwithstanding anything contained in this Policy or elsewhere, WELCOME STORE shall not be held responsible for any loss, damage or misuse of Your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event (as defined below).
A Force Majeure Event shall mean any event that is beyond the reasonable control of WELCOME STORE and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer, computer system or computer network,, computer crashes, breach of security and encryption (provided beyond reasonable control of WELCOME STORE), power or electricity failure or unavailability of adequate power or electricity.
While We will endeavor to take all reasonable and appropriate steps to keep secure any Personal Information which We hold about You and prevent unauthorized access, You acknowledge that the internet or computer networks are not fully secure and that We cannot provide any absolute assurance regarding the security of Your Personal Information.
You agree that all Personal Information shall be retained till such time required for the Purpose or required under applicable law, whichever is later. Non-Personal Information will be retained indefinitely.
· User discretion and opt out<
