Yugandhar Pay
Privacy Policy
Yugandhar Pay is an application (here in after referred to as an "app") developed by Yugandhar Multistate Co-op. Credit Society, India. We value the trust you place in us. That's why we insist upon the highest standards for secure transactions and customer information privacy. Please read the following statement to learn about our information gathering and dissemination practices.
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 app 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, 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.
Types of Information we collect
We may collect following information from you, as you have disclosed to us:
1. Personal details (e.g. name, contact details including, Mobile Number, Contact list, 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.
2. Your details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.
3. Financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services;
4. Images of documents/ photos required to avail any of our products/services.
5. voice recordings of our conversations with our customer care agent with you to address your queries/grievances;
6. employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for credit/various product evaluations or required under applicable law including Prevention of Money Laundering (Maintenance of Records) Rules, 2005
7. specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;
8. opinions provided by you to us by way of feedback or responses to surveys;
9. Information obtained from your mobile device by way of using our app like device location, communication information including phone number, SIM Serial Number, contacts and call logs, device information (including storage, model, IMEI, Network Carrier information), transactional and promotional SMS/app notifications;
10. Access to your mobile camera device for the functioning of many in-app functionalities for recording video including, but not limited to video KYC process and scan & pay etc.;
11. Access to the microphone to record audio for carrying out video KYC process and voice typing etc.;
12. Access to files from your mobile device such as audio, video files for the functioning of many in-app functionalities including, but not limited to in-app chat;
13. Access to WiFi details through SSID information from your device, to notify users about the security of WiFi network;
14. Access to the Near field Communication (NFC) chip on device to enable tap to pay functionality (only for NFC enabled devices).
15. Access to the Contact Numbers List of Mobile to Pickup Mobile Number which is Store in Your Mobile Device dusring Recharge, UPI Payment service in App.
Others
As may be explicitly required & and consented by you from time to time.
Use of Demographic / Profile Data / Your Information
We use personal information to provide the services you request. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.
In our efforts to continually improve our product and service offerings, we collect and analyse demographic and profile data about our users' activity on our app.
We identify and use your IP address to help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.
We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our app, providing you with content that we think you might be interested in and to display content according to your preferences.
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.
Our servers are located within the territory of India, where your data is stored securely.
The Platform intends to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative, and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the internet. We also require that our registered third party service providers protect such information from unauthorized access, use and disclosure.
The Platform has reasonable security measures, including as mentioned in Information Technology Act, 2000 in place to protect the loss or misuse of the information under our control. To protect against the loss, misuse and alteration of the information under its control, the Company has in place appropriate physical, electronic and managerial procedures. For example, the Company servers are accessible only to authorized personnel and your information is shared with employees and authorized personnel on a “need to know basis” to complete the transaction and to provide the services requested by you.
Our Platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) based encryption, for the transmission of the information, which is currently the required level of encryption in India as per the law.
We blend security at multiple steps within our products with the state of the art technology to ensure our systems maintain strong security measures and the overall data and privacy security design allow us to defend our systems ranging from low hanging issue up to sophisticated attacks.
Please note that we will not ask you to share any sensitive data or information such as account/login/passwords/financial information (bank details, OTPs etc) and other sensitive personal information via email/telephone/SMS/link. Please do not share such information to any person.
However, transacting over the internet has inherent risks which can only be avoided by you following security practices yourself, such as not revealing account/login/passwords/financial information such as bank details, OTPs and other sensitive personal information to any other person. In the event you suspect that your account/personal information has/may have been compromised or you receive any suspicious call, SMS, link, email requesting your sensitive personal information, you may reach out to our grievance redressal officer as per the details provided in this Privacy Policy.
Although the Company endeavours to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using the Platform, you agree that the Company will have no liability for disclosure of your information due to errors in transmission and/or unauthorized acts of third parties.
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. Complaints Registration: You can register your complaint with Customer Support