Reservation of Rights

Kumarpay Technology Private Limited (Kumarpay Technology Private Limited) reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Payment terms:

Payment terms: Annual maintenance package require payment before 15 days of expiry date. In case of non payment till the renewal date the service will be the service will be discontinued, data will be deleted, and domain will not be renewed (if purchased by us and client will be resopnsible of the domain if it has been registered by any other). An administrative fee of Rs10000 will be charged to the client if he wants to get the data. There are absolutely no refunds for any service.

Data retention period is 6 months.

We collect and generate various data points about you.:

• Data by which you are identified is termed as “Personal Data”. Personal Data does not mean information that is freely available or accessible in public domain
• Your Privacy is of utmost importance to us and protection of your Personal Data is a key commitment for us.
• We are governed by the provisions of applicable law in India including the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data

Personal Data.

Personal Data we may collect from you are as under:

• • Personal details (e.g. name, 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 monies through various payment channels provided by us. financial details (e.g. income, expenses, 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;
  • specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;
  • opinions provided by you to us by way of feedback or responses to surveys;
  • 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. access to your mobile camera device for the functioning of many in-app functionalities including, but not limited to scan & pay etc.,
  • 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,

II. Sharing of your Personal Data

• Any Personal Data that we have access to shall never be shared without your consent.
• In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers
• We will share your data with competent/ legal/statutory/regulatory agencies / authorities or partners/service providers acting on our behalf (as the case may be) in following cases:
• only for enabling the provision of the products/services availed by you, strictly on a “need to know” basis and subject to applicable laws
• it is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.
• it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

Usage of Your Personal Data

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 undertake research and analytics for offering or improving our products/services and their security and service quality;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• 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.
• External processing: 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.

IV. Purging of your Personal Data

You may delete your KUMARPAY TECHNOLOGY PRIVATE LIMITED Limited account at any point of time by making such choice in the Kumarpay desktop 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.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

Contact Us: If you have any questions or concerns about our privacy policy, please contact us at info@kumarpay.com