Privacy Policy

1. Information We Collect

We may collect the following categories of information:

Personal Information

• Full Name
• Mobile Number
• WhatsApp Number
• Email Address
• Business Information
• Residential Address
• Date of Birth (where applicable)

KYC and Verification Information

• Aadhaar Information
• PAN Information
• Government-issued identification documents
• Business registration documents
• Bank account details required for verification

Payment and Transaction Information

• Credit Card Information (processed securely through authorized payment partners)
• Transaction records
• Payment history
• Settlement details
• Merchant account information

Technical Information

• IP Address
• Device Information
• Browser Information
• Operating System
• Cookies and Usage Data
• Login Activity
• Device Identifiers

Communication Information

• Customer support requests
• Feedback and survey responses
• WhatsApp communications
• Email communications
• Call recordings where legally permitted

2. How We Use Your Information

We may use your information for the following purposes:

• Verify your identity and business credentials
• Complete KYC and onboarding requirements
• Process transactions and settlements
• Prevent fraud, money laundering, and unauthorized activities
• Monitor platform security
• Provide customer support
• Communicate important service updates
• Improve products and platform performance
• Analyze usage patterns and user experience
• Comply with legal, regulatory, and contractual obligations
• Respond to lawful requests from authorities
• Resolve disputes and enforce our terms

3. Legal Basis for Processing

We process personal information for lawful purposes including:

• Performance of contractual obligations
• Compliance with legal and regulatory requirements
• Fraud prevention and security monitoring
• Legitimate business interests
• User consent where applicable

4. Digital Personal Data Protection (DPDP) Act, 2023 Compliance

360payZ is committed to processing personal data in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and other applicable laws of India.

As a Data Principal under the DPDP Act, users may have the right to:

• Access information regarding their personal data processed by us
• Request correction, completion, or updating of personal data
• Request erasure of personal data where legally permissible
• Withdraw consent where processing is based on consent
• Seek grievance redressal regarding data processing activities
• Nominate another individual to exercise rights on their behalf in accordance with applicable law

We will process personal data only for lawful purposes, maintain appropriate security safeguards, and retain information only as long as necessary to fulfill legal, regulatory, contractual, and operational requirements.

5. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information.

We may share information only with:

Banking and Financial Partners

• Partner banks
• Settlement providers
• Financial institutions

Payment Service Providers

• Payment gateways
• Card networks
• Transaction processing partners

Regulatory Authorities

• Government agencies
• Regulatory bodies
• Statutory authorities

Law Enforcement Agencies

Where disclosure is required by law, court order, or legal process.

Service Providers

Trusted third-party vendors who assist us with:

• Cloud hosting
• Analytics
• Customer support
• Security monitoring
• Communication services

All third parties are required to maintain confidentiality and security of information.

6. Data Security

We implement industry-standard security measures including:

• 256-bit SSL encryption
• Secure data transmission protocols
• Device verification mechanisms
• Multi-layer authentication controls
• Access control systems
• Fraud detection and monitoring tools
• Secure server infrastructure
• Continuous security assessments
• Data encryption at rest and in transit

While we strive to protect your information, no method of transmission or storage is completely secure. Users acknowledge that internet-based services involve inherent security risks.

7. Data Retention

We retain personal information only for as long as necessary to:

• Provide services
• Fulfill contractual obligations
• Meet regulatory requirements
• Resolve disputes
• Enforce legal agreements
• Prevent fraud and misuse

Certain records may be retained for longer periods where required by applicable laws, financial regulations, or governmental authorities.

8. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• Improve website functionality
• Remember user preferences
• Analyze traffic and usage patterns
• Enhance user experience
• Maintain security and session management

Users may control cookie settings through their browser preferences, although some features may not function properly if cookies are disabled.

9. Third-Party Services

Our platform may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices, content, or security of third-party platforms. Users are encouraged to review the privacy policies of any external services they access.

10. User Rights

Subject to applicable laws, users may:

• Access their personal information
• Request correction of inaccurate information
• Update personal details
• Request deletion of personal information where legally permitted
• Withdraw consent where applicable
• Raise privacy-related grievances
• Contact us regarding data protection concerns

We may require identity verification before processing certain requests.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that such information has been collected, we will take reasonable steps to delete it.

12. Policy Updates

We may update this Privacy Policy periodically to reflect changes in legal requirements, business practices, or service offerings.

The updated version will be published on our website with a revised "Last Updated" date. Continued use of our services after such updates constitutes acceptance of the revised Privacy Policy.

13. Contact Us

For privacy-related questions, requests, or grievances, please contact:

360payZ Payment Solution Private Limited

WhatsApp: +91 9711191129

Email: support@360payz.com

Website: www.360payz.com