- 1. Policy objective
- 2. Information We Collect
We collect information to provide better services to all our users – including figuring out of services and products you’ll find most useful on the Website.
Information we collect on the Paymint site may be used to enhance this Website in the following ways:
a. Arrange this Website in the most user-friendly way,
b. Customize your browsing experience of this Website
c. Communicate special offers and featured items to you, if you choose to receive such notices,
d. Respond to your questions or suggestions,
e. Enhance security by identifying suspicious patterns of use and other anomalies,
f. Paymint only collects personal information that you choose to provide when using or registering with the Paymint "Personal information" including information that can identify you, such as:
i. Contact information (name, postal or e-mail address and phone or fax number)
ii. Business contact information (such as job title, department and name of organization)
iii. Username and password
iv. Prepaid card information
v. Financial information (such as financial account information and information that may be contained in a consumer report)
vi. PIN or access code (such as a Secure ID code)
vii. Other information (such as shopping behavior and preferences, language preference, age, date of birth, gender and family status)
3. Paymint, on certain occasions, may also ask you to submit information about other people. For example, you may get asked for the name and/or email address of people you know so we can inform them about our new services, promotion or products offered on the Paymint, or otherwise in connection with any program that Paymint or its member financial institutions might be offering.
- 4. How We Use The Information We Collect
We may use the information we obtain from you to:
a. Process your prepaid card transactions (including authorization, clearing, settlement, charge backs and let you know about new services, products, promotions, offers and other related dispute resolution activities),
b. Protect against and prevent fraud, unauthorized transactions, claims and other liabilities, and manage risk exposure and franchise quality,
c. Create and manage your online account and respond to your inquiries,
d. Provide, administer and communicate with you about our services, products and promotions (including programs and other offers),
e. Publish business directories (which may include business contact information),
f. Operate, evaluate and improve our business (including developing new products and services; managing our communications; determining the effectiveness of our advertising; analyzing our products, services and websites; facilitating the functionality of our websites; and performing accounting, auditing, billing, reconciliation and collection activities),
g. Monitor the use of and improve our interactive assets,
h. Perform data analysis (including anonymization of personal information),
i. Enforce our Terms and Conditions,
j. Comply with applicable legal requirements, industry standards and our policies,
k. We also may use the information in other ways for which we provide specific notice at the time of collection.
- 5. Personally Information Collected
Paymint collects and stores information collected from our Cardholders, franchisees, DSA and from number of users who use the Paymint Card services, as well as business partners, with whom we have associated and acquired information in the course of our business.
- 6. Information we Share
We do not sell, share or disclose personal information with companies, organizations and individuals outside of Paymint and its associated companies unless one of the following circumstances apply:
We share information in the event of a bankruptcy or reorganization, or a sale of all or substantially all of our assets.
We share information to perform prepaid card transactions and other activities that you request. We may share the personal information with our franchisees, agents, affiliates, financial institutions that issue payment cards or process payment card transactions, entities that assist with payment card fraud prevention, and merchants. For example, in this context we provide financial institutions with information about their cardholders' transactions that Paymint processes. In addition, we may share personal information with other third parties with the consent of the individual to whom the information pertains.
We also may share the information with our service providers who perform services on our behalf. We do not authorize these service providers to use or disclose the information except as necessary to perform certain services on our behalf or to comply with legal requirements. We require these service providers by contract to appropriately safeguard the privacy and security of personal information they process on our behalf.
On our websites, you may choose to use certain features for which we partner with other entities. These features, which include social networking and geographical location tools, are operated by third parties that are not affiliated with Paymint. These third parties may use personal information in accordance with their own privacy policies. Sites on which these features are offered, the relevant third parties are identified on those websites. We strongly suggest you to review the third parties' privacy policies if you use the relevant features.
We also may disclose information about you
- i. if we are required to do so by law or legal process,
- ii. to law enforcement authorities or other government officials, or
- iii. when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual fraudulent or illegal activity.
- 7. How We Protect Personal Information
We maintain appropriate administrative, technical and physical safeguards designed to protect the personal information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. We use SSL encrypted Paymint gateway on our websites from which we transfer certain personal information. The Cardholder would be required to cooperate with Paymint and follow the instructions given on the website in order to ensure the security of the information, and it is recommended that the Cardholder necessarily choose their passwords carefully such that no unauthorized access is made by a third party. To make the password complex and difficult for others to guess, the Cardholder should use combination of alphabets, numbers and special characters (like !, @, #, $ etc.). The Cardholder should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.
- 8. Affiliated businesses and links to other sites
- 9. Surveys
We occasionally may ask visitors to our Website to complete online surveys and opinion polls about their activities, attitudes and interests. If you choose to participate, we use your response to produce survey results and, sometimes, to publish those results in aggregate on the site. We will hold these responses only as anonymous statistics. We will never disclose, sell or rent such information to any third parties. We do not process, use or keep any personal data about you in connection with your participation in a Website survey unless you specifically agree to provide that information.
- 10. Marketing
We record information about your transactions and how you interact with third parties like a utility or phone company. We use this information in combination with other information we may have in order to better tailor and personalize our services and for marketing purposes. For example, we may use marketing segments developed by us or other companies to customize certain services to your local area and provide relevant offers tailored to you.
- 11. Cookies
We use cookie technology as part of our Website’s statistical reporting. A cookie is a small piece of information sent by a Website that is saved on your hard disk by your computer's browser. It holds information a site may need to personalize your experience (i.e., images on the paymint.in home page) and to gather Website statistical data, such as which pages are visited, what is downloaded, the Internet provider's domain name and country that our visitors come from (e.g. “xyz.com,”) and the addresses of sites visited immediately before, and after, coming to paymint.in The information in the cookies lets us trace your “click stream” activity (i.e., the paths taken by visitors to our site as they move from page to page.
We also use standard web server log files to help us count visitors and evaluate our site's technical capacity. We use this information to find out how many people visit paymint.in help us arrange the pages in the most user-friendly way, keep the site browser-friendly and to make our pages more useful to our visitors. We record information on site traffic but not information on individual visitors to our site.
12. The “help” button of the toolbar on most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies. Remember, though, without cookies, you may not be able to take full advantage of all of our Website features.
- 13. Changes
- 14. Access rights
You have the right to ask us to give you a statement about the personal data we process about you, to rectify your data, or to delete your information, to withdraw your consent given for processing of personal data, or to remove you from our mailing lists.
- 15. How to contact us
If you have any questions about our information practices, please contact us by:
Clicking here: firstname.lastname@example.org
Contact no: +91 20 41056789
Writing to us at:
Paymint Global Payment Solutions Private Limited
B1, 703, 7th Floor, The Cerebrum IT Park,
Pune – 411014,