Privacy Policy

1. Introduction

This Privacy Policy applies to your use of UPITranzact website, www.upitranzact.com, herein referred to as "UPITranzact" or "WEBSITE", but does not apply to any third party websites that may be linked to them, or any relationships you may have with the businesses listed on UPITranzact.

This Privacy Policy covers treatment of personally identifiable information collected from Users (Merchants, Prospective Merchants etc.) who use the UPITranzact payment gateway services, as well as consumer information that we acquire in the course of our business. This Policy also covers the treatment of personally identifiable information that UPITranzact back end technology providers/partners may share with it.

2. Definitions

For the purposes of this Privacy Policy:

• The terms "WE", "OUR" and "US" refer to UPITranzact and/or UPITranzact's "WEBSITE" www.upitranzact.com
• The terms "YOU", "YOUR" and "USER" refer to you, as a User of UPITranzact
• The term "PERSONAL INFORMATION" means information that you provide to us which personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information

3. Information We Collect

3.1 Basic Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register on our Services
• Express interest in obtaining information about us or our products and Services
• Participate in activities on the Services
• Contact us

This may include:

• Your Full Name
• Contact details including Mobile Number
• Your Company Name and Email Addresses
• Information from your Email Accounts (as permitted)
• Information from your Device (as permitted)

3.2 Business Registration Information

To create a business account on the Platform, you must provide certain basic Personal Information required to provide customized services:

• Your PAN
• Your Entity's PAN (Entity refers to Public Limited Company/Private Limited Company/Registered Society/Trust/Partnership Firm/Proprietary Firm/Individual or any other registered legal entity as permitted by law in India)
• Your Entity's GST number
• Director's Information
• KYC documents of entity directors
• Company KYC
• Bank Account Information for Bank details verification
• Any other information required as per Your registration on UPITranzact

Note: The Personal Information listed above is not mandatory to use our Platform. You have the option to not provide your Personal Information by choosing not to use a particular service or feature. However, this may limit the services provided to you.

4. How We Use Your Information

We collect and process your personal information to render our services efficiently and to reduce the risk of online/offline frauds. We process and collect your information mainly for the following purposes:

• To help you purchase/acquire the Products/Services that you have requested and to process any payment connected with those Products/Services
• To contact you if required in relation to the Product/Services that you have purchased/requested
• To provide you with customer care
• For security and fraud prevention purposes
• To help improve our Applications and our Services
• To facilitate account creation and login process
• To send you marketing and promotional communications
• To fulfill and manage your orders and payments
• To post testimonials with your consent
• To deliver and facilitate delivery of services to the user

5. Protection of Your Information

We access, collect, receive and store your Personal Information. If you provide your third-party account credentials ("Third Party Account Information") to us, you understand that some content and information in those accounts may be transmitted to your account with us if you authorize such transmissions and that Third Party Account Information transmitted to us shall be covered by this Privacy Policy.

You may opt to not provide us with certain information, however that will restrict you from registering with us or availing some of our features. All Personal Information collected may be retained with us for such periods as may be necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

6. Data Protection and Security

We have implemented reasonable security practices and procedures that are commensurate with the information assets being protected and with the nature of our business. While we try our best to provide security that is better than the industry standards, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information transmitted to us.

All Personal Information collected from Users is maintained in electronic form on servers and/or cloud systems located in India. The Personal Information may also be converted to physical form from time to time. We will make commercially reasonable endeavors to ensure that the Personal Information is rendered confidential and will disclose Personal Information only in accordance with the terms of this Privacy Policy.

By visiting this Website, you agree and acknowledge to be bound by this Privacy Policy and you hereby consent that we will collect, use, process and share your Personal Information in the manner set out herein. If you do not agree with these terms, you may choose not to use UPITranzact.

7. Information Sharing and Transfer

We do not share your Personal Information with any third party except in the following circumstances:

7.1 Service Providers

• Financial institutions such as banks, RBI or other regulatory agencies (as may be required)
• Third-party vendors, service providers, contractors or agents who perform services for us or on our behalf
• Quality assurance testing, account creation facilitation, technical and customer support providers

7.2 Affiliates

We may share your Personal Information with our parent company, subsidiaries, joint ventures, or other companies under common control ("Affiliates"), in which case we will require them to honor this Privacy Policy.

7.3 Legal Requirements

We may disclose your Personal Information to third parties when we believe in good faith that such disclosure is reasonably necessary to:

• Take action regarding suspected illegal activities
• Enforce or apply our terms and conditions and Privacy Policy
• Comply with legal process, such as search warrants, subpoenas, statutes, or court orders
• Protect our rights, reputation, and property, or that of our Users, affiliates, or the public

7.4 Business Transfers

If another company acquires our company or our assets, that company will possess your Personal Information and will assume the rights and obligations with respect to that information as described in this Privacy Policy.

7.5 Aggregate Information

We may disclose information in the aggregate to third parties relating to User behavior in connection with actual or prospective business relationships with those third parties, such as advertisers and content distributors.

8. Activity Tracking

We record information relating to your use of UPITranzact, including:

• Searches you undertake
• Pages you view
• Browser type and IP address
• Location, requested URL, referring URL
• Timestamp information

We use this information to administer UPITranzact, provide security and service, and perform statistical analyses of User behavior. However, you cannot be identified from this aggregate information.

9. Cookies

UPITranzact uses cookies to enable us to retrieve certain information for each visit and to enable functionality and ease of use. We may use third-party cookies in connection with our Website, such as:

• Google Analytics
• Website analytics cookies for visitor information and source tracking

No Personal Information is collected or used in this process. Third parties do not have access to names, phone numbers, addresses, email addresses, or any Personal Information about UPITranzact Users. You can opt-out by deactivating cookies in your browser settings.

10. Camera Permissions

We require access to your camera to ensure smooth uploading of pictures and graphics from your device. For instance, you may need to photograph government identity cards for KYC obligations.

11. Your Privacy Rights

You have certain rights regarding your personal information, including:

• Right to Access: You can request access to your personal data
• Right to Correction: You can request correction of your personal information
• Right to Deletion: You can request deletion of your data

For modification of Personal Information, you will be required to furnish supporting documents for verification purposes. You can restrict our access to your Information through suitable device settings and/or deletion of your account.

12. Feedback

If you contact us to provide feedback, register a complaint, or ask a question, we will record any Personal Information and other content that you provide in your communication so that we can effectively respond to your communication.

13. Legal Disclosure

We reserve the right to disclose your personal data as required by applicable law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or other legal process served on us.

In the event UPITranzact goes through a business transition, such as a merger or acquisition by another company, or sale of all or a portion of its assets, including an acquisition which occurs as a result of our bankruptcy, the User account and data will likely be among the assets transferred.

14. Enforcement

We may use the information we collect in connection with your use of UPITranzact (including your Personal Information) in order to investigate, enforce, and apply our terms and conditions and Privacy Policy.

15. Policy Updates

Our Privacy Policy is subject to change at any time without notice. To ensure you are aware of any changes, please review this policy periodically. Changes will be effective immediately upon posting. You are responsible for updating your Personal Information, including providing us with your most current email address.

16. Applicable Law

Your use of this Website will be governed by and construed in accordance with the laws of India. You agree that any legal action or proceedings arising out of your use may be brought exclusively in the competent courts/tribunals having jurisdiction in Ghaziabad, India, and you irrevocably submit to the jurisdiction of such courts/tribunals.

17. Consent and Binding Agreement

By using the Platform and providing your Information, you:

• Consent to the collection, use, sharing and disclosure of your Personal Information as described in this Privacy Policy
• Agree that this Privacy Policy forms a binding legal agreement between you and us

By visiting this Website, you acknowledge that you are bound by this Privacy Policy. If you do not agree with these terms, you may choose not to use UPITranzact.

18. Contact Information

Any complaints or concerns regarding your Personal Information, website content, or any breach of use should be immediately reported to UPITranzact at support@upitranzact.comor by mail using the details below:

For more details or questions about our privacy practices, please contact us.