This Privacy Policy governs Payments Hub's (also known as "Digital Payments Hub", "Digital Franchise Hub") collection, access, use, storage, transfer, and disclosure of user information (personal or sensitive) through its services, encompassing the platform, website, and mobile applications. Users, referred to as Customers, implicitly agree to these terms by accessing or using the services, with the understanding that information handling complies with applicable laws, including the Information Technology Act, 2000, and regulations. The policy incorporates all terms and conditions related to the services provided by the Company, emphasizing that users represent their acceptance of these terms. By using the platform, users explicitly consent to the Company's practices, including the collection, processing, storage, transfer, use, disclosure, and handling of their information in accordance with this Privacy Policy. Non-consenting users are advised not to provide information or use the services.

You hereby represent to Company that:

1. You promise that the info you give the Company is true, accurate, and up-to-date, and that you have the right permissions to share it.
2. The Company won't break any laws or agreements when it stores, uses, or processes your info with your permission.
3. If you tell us about other people, you confirm you're allowed to do that, and you let the Company use that info how we explained in this Privacy Policy.
4. It's your job to make sure the info you give us is correct and stays that way.
5. Your info might be kept electronically or on paper, and other companies we work with will follow security rules when handling your data.
6. "Personal Information" means stuff like your personal details or sensitive info, following the laws, and what you told us in this Privacy Policy.

What we collect?

We may collect and/or gain access to and/or record following information, as you have disclosed to us:

1. Personal details (e.g. name, sexual orientation, Email ID, contact details including, residential address, date of birth, documents such as identity card/ User IDs / passport details /Aadhaar details / PAN / Voter ID / driving license, and/or education details) provided by You to Us to avail various Services from Us.
2. Your details including Purchase history/ transaction history, balances, payment details, for maintaining records (as per the Applicable Laws) of your trade balance account.
3. Images/ Photos of documents/ live photo/ Video required for availing any of Our Services.
4. Employment details (e.g. occupation, positions held, employment history, business details, GST details (including extracting of GST from PAN or from GST Number) salary and/or benefits) as part of Our record retention for various Services or required under Applicable Laws.
5. Opinions provided by You to Us by way of feedback or responses to surveys.
6. Your location, approximate/ precise based on the best available/multiple sources including but not limited to GPS/Mobile network/Wifi/IP etc
7. Information obtained from Your mobile device by way of using Our Platform like device location, communication information including phone number.
8. User behaviour analysis, demographic information (such as preferences and interests etc).
9. Note: Users can always refuse to supply Personal Information, however, it may prevent them from engaging in certain Services related activities.

What we do with the Personal Information we gather?

• Manage and personalize the Services.
• Process transactions.
• Do research and analysis to improve Our Services, make them more secure, and ensure better quality; Figure out any issues and understand how people are using the services.
• Handle and process your requests for Services and any instructions or requests you send us.
• Share updates about changes to the Services and their terms, including the rules for using the Platform.
• Investigate any complaints or claims.
• Answer your questions or feedback; Send important messages, like updates on purchases/downloads and changes to Our Policy.
• Confirm your identity so we can provide Services to you.
• Conduct credit checks, screenings, or checks we need to do by law.
• Keep an eye on and review Services regularly.
• Do financial, regulatory, and management reporting, and make and keep different risk management plans.
• Carry out audits and keep records.
• Follow the rules of the law and any court orders or directions from regulators that we get.
• Send you newsletters from Us.

Collection and Use of Non-Personal Information:

• We gather non-personal information about users when they use our services. This info includes details like the type of computer, browser name, and technical information about how users connect to our services (such as operating system and internet service provider).
• This information is combined and used to provide more helpful information to users and to understand which parts of our services, products, and features are most interesting.
• If we mix non-personal information with personal information, we consider the combined info as personal for as long as they are mixed.

Sharing of information with Authorities:

• We might have to share your personal and non-personal information with the courts, police, or government authorities if they ask for it during any ongoing legal or regulatory matters.

Security:

• We're dedicated to keeping your personal information safe. We use the right methods to collect, store, and handle data, along with security measures to prevent unauthorized access, changes, disclosure, or loss of your personal information, username, password, transaction details, and data stored in our services.
• When you use our services and products, others can see the personal information you share. It might be read, collected, or used by them. You're responsible for the personal info you choose to share, like if you put your name and email in a blog or forum post – that info becomes public. So, be careful when using these features.
• Even though we try our best to keep your information safe, the internet has some risks. We can't guarantee complete security for all the info you share with us. Keep in mind that there's no such thing as total security, and we can't promise that there won't be accidental disclosures of your information. If we find out your info was disclosed against this Privacy Policy, we'll do our best to let you know about it as soon as possible and as allowed by the law.

Retention of Personal Information

We'll keep your personal information for as long as needed to do what we said in this policy, unless the law allows or requires us to keep it longer.

Sharing Personal Information

• We may use third-party service providers to help us operate our business and Services or administer activities on our behalf, such as sending out newsletters or surveys. We may share the User’s Personal Information with these third parties for those limited purposes. We only share the Personal Information on a partial and “need-to-know” basis.
• In general, the third-party service providers used by Us will only collect, use and disclose your information to the extent necessary to allow them to perform the services or activities they provide Us. In such cases, We share the Information securely and use commercially reasonable efforts to ensure that all recipients comply with confidentiality obligations and sign covenants in this regard. However, certain third-party service providers (such as banks, financial institutions, payment aggregators or credit information companies), have their own privacy policies in respect to the information We are required to provide to them. For these third-party service providers, We recommend that you read their privacy policies to understand the manner in which your Information will be handled by them. Once you leave the Platform or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or the Platform's Terms and Conditions and in such circumstances the privacy policy of such other website will apply. We will not be liable for any acts or omissions of the third-party service provider.

Disclosures:

When you request a service involving a third party, the Company may share the necessary information to fulfill your service request. Here are the third parties with whom your Personal Information might be shared:

• Affiliated Companies of the Company: We may share your information with our subsidiaries, associates, and affiliated companies to efficiently deliver specific products or services, or particular features. This could include internal corporate restructuring, audit-related purposes, and adherence to applicable laws.
• Payment Processing Partners, Loan Partners, and External Vendors: Your submitted information may be shared with financial institutions and service providers, like payment processors, card issuers, collection service providers, NBFC partners, and banking partners, to facilitate transactions.
• IT Service Providers: Your information might be shared with IT Service Providers involved in providing information technology services for various aspects of the Platform, including research and analytics.
• Identity and Other Information Verification Providers: We may share your information with identity and information verification providers to complete identification processes in line with applicable laws.
• Government and Regulatory Authorities: Your information may be shared with governmental bodies, law enforcement agencies, and regulatory bodies when the Company needs to comply with its legal obligations.
• Marketing, Business Development, and Sales Associates: Your information could be shared with marketing, business development, and sales partners to enhance marketing or business development activities, providing improved services through our Platform. Or, in any other situations where we have your consent for a purpose disclosed to you when you provided the information.

Third-Party Websites:

• Sometimes, you might see ads or other stuff on the Services that take you to our partners' sites, suppliers, advertisers, sponsors, licensors, and other third parties. We don't control what shows up on these sites and services, and we're not in charge of how these websites and services operate. They might have their own rules and policies, and they could be different from ours. Also, these sites and services and what they show may keep changing. Always remember, they might have their own privacy policies and customer service rules. When you go to other websites, including those linked to our Services, you have to follow their terms and policies.
• We team up with different third parties for the Platform or to provide services. Just know, if you share info with any third party or click on links to other sites while using the Platform, our Privacy Policy doesn't count anymore. We aren't responsible for how these other guys handle privacy.

Changes to this Privacy Policy:

• We can change, update, or make any changes to this Privacy Policy whenever we want, without telling you beforehand. It's entirely up to us.
• We suggest you keep an eye on this page to see if anything changes. That way, you'll know how we're looking out for the personal information we collect. You should check this policy regularly.

User Acceptance of these Terms:

By using the Services, you agree to follow this Privacy Policy. You allow us to collect, use, process, and share your personal and non-personal information as explained here. If you don't agree with these rules, please don't use the Services. If we change anything in this Privacy Policy, and you keep using the Services, it means you know about the changes and agree to follow the new rules.

Your Rights:

• You can change your mind and take back your permission for us to collect and use your personal and non-personal info. Just email us at info@digitalpaymentshub.in. But, in some cases, like when we have to follow the law, we might still have to keep using your info.
• Keep in mind, if you do this, it might affect how we provide services to you. We might decide to stop providing certain services if we can't use the info as before. Also, remember that you can't always ask us to delete your info according to the law.
• If you want, you can ask us to check and fix any wrong personal info we have about you. Just let us know, and we'll look into it.