Paul Gifty is an application (hereinafter referred to as an "app") developed by Paul Merchants Finance (P) Ltd., a company incorporated under the Companies Act, 1956, with its registered office at Ground Floor, SCO 829-830, Sector 22-A, Chandigarh-160022. 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.
We are sensitive to the scenario that we would be dealing with data and information of a personal nature. By using Our Website and related mobile applications (also referred to as "We," "Us," "Our," and "PaulPay Wallet," as the context may necessitate), You tend to provide Personal Information of You and Your family (also referred to as "You," "Your," "Yours," or the "User," as the context may necessitate). You consent to the terms of our online Privacy Policy and to our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to our services. You also agree to our contacting you pursuant to the business relationship established using the information you provide to us. We request you to read this Policy in accordance with Terms of Use and to use these to make informed decisions. This Privacy Policy shall be applicable to PaulPay Gift PPIs. This policy sets out how PaulPay Wallet uses and protects any information that you provide when you use Our Website for any transaction. We are committed to ensuring that information shared by you is protected, and we assure you that it shall solely be used in accordance with this Privacy Policy.
Note: Our privacy policy is subject to change at any time without providing any prior 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.
When you use our App, we collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs and to customize our Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose. We use data collection devices such as "cookies"/similar on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your device hard-drive/storage that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". We also use cookies to allow you to enter your username less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your device hard-drive/storage at the end of a session. You are always free to decline our cookies if your device permits, although in that case you may not be able to use certain features on the App and you may be required to re-enter your password more frequently during a session. If you choose to transact on the App, we collect information about your transaction behaviour. We collect some additional information, such as a billing address, details of recipient or payer of the transaction, location, etc. If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities on the app, we may collect such information into a file specific to you. We collect personally identifiable information (email address, name, phone number, etc.) from you when you register with us. We do use your contact information to send you offers based on your transaction history and your interests.
We use personal information to provide the services you request. To the extent we use your personal information to market to you, we also 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.
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.
Our app links to other platform that may collect personally identifiable information about you. PaulPay is not responsible for the privacy practices or the content of those linked platforms. Such third party websites/links, and external applications or resources, accessible via the Platform may have their own privacy policies governing the collection, storage, transfer, retention and/or disclosure of your information that you may be subject to. We recommend You to exercise reasonable diligence, practice judgment and common sense before committing to any transaction or exchange of information, including but not limited to reviewing the third party website or application?s privacy policy. Further, we are not liable for any loss or damage which may be incurred by You as a result of the collection and/or disclosure of Your information via these Third Party website/links/services. We shall not be liable for any disputes arising from or in connection with such transactions between you and the aforementioned third parties.
Our app has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.
You can request to delete your account information at any time. For account deletion, you will have to mail us at paulfincap@gmail.com. When you request to delete your account, after 30 days from the request of deletion, we begin the process of deleting your personal information from our systems. We may also retain certain information about you as required by law or for legitimate business purposes after you delete your account.
You may review, correct, update, or change your Personal Information on the Platform by emailing Us at cardops@paulpay.in. You may also request us to delete your Personal Information, and we will comply with such requests within a reasonable time, unless We are required to keep certain information for legal purposes. We reserve the right to verify and authenticate your identity and your Personal Information in order to ensure accurate delivery of services through the Platform. Access to, or correction, updating or deletion of Your Personal Information may be denied or limited by Us if it would violate another person?s rights and/or is not otherwise permitted by applicable law.
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 PaulPay lists and newsletters, please click on the unsubscribe button on the emailers.
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.
If you believe that PaulPay Wallet has not adhered to this Privacy Policy please email to us at E-mail: care@paulfincap.com (In Your email, please describe in as much detail as possible ways in which you believe the Privacy Policy has not been complied with. We will investigate your complaint promptly.