Definition and Description

For the purposes of the privacy policy, personal information and data include the data and information that can be identified or linked to specific users. This information may include address, name, mailing address, email id, telephone number, debit/credit card details, name of the cardholder, expiration, date of the card, mobile phone number related information, data card, DTH service information, electricity connection data and any other data, information, and details that are provided by the users and associates voluntarily while availing the services of the website of PAYNOL.

Exception to PAYNOL Privacy Policy: Data and information provided by the users/business associates in the public forums and environments, live chat room, blog, album, social networking sites, discussion boards, classifieds, community and the likes (without limitation), are not deemed to be confidential and hence are not considered as personal/sensitive information and data, according to PAYNOL privacy policy. Such information is therefore not protected under our privacy policy.

Use of Personal Information and Data

PAYNOL uses the personal data and information given by the users/business associates to provide them and with specific services that have been explicitly requested by a user/associate. The personal information is required and used by PAYNOL to troubleshoot concerns, resolve disputes, collect money, promote safe and secure services, inform the users and associates about our services/offers/updates, assess the interest of users and associates in our services, and prevent us in committing errors. The information may also be used for preventing criminal activity and fraud, and for enforcing terms and conditions, among other uses.

Subject to these Terms of Use, Merchant Onboarding Policy, KYC Policy, Disputes and Grievance Redressal Policy and Privacy Policy (collectively, "POLICIES"), PAYNOL offers the Services set forth in Schedule I herein.

You acknowledge and agree that if PAYNOL disables access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in your account, and PAYNOL shall intimate you regarding the same.

We may also share the information(like phone no,location,name,etc) when it is necessary for us to do so for completing a legitimate transaction, for reporting purposes (required or necessary under the terms and conditions applicable to the information), and/or because of the applicability of the law. In no other scenario shall we share the confidential and personal data and information of our users and business associates.

Observation and Implementation of Reasonable Security Practices

PAYNOL undertakes the necessary and reasonable precautions for maintaining the confidentiality and privacy of data and information of our users as well as business associates. For the purpose, we provide restricted access to persons who may be required to assess the data and information (on a need to know basis). We also provide the necessary training to our employees for ensuring safe and proper handling of data.

Privacy Policy Updates

PAYNOL has the full rights to make changes to the data privacy practices it uses/employs, and to update the privacy statement whenever a need arises. The same updates and changes will be made available on our website.