1. DEFINITIONS
We collect and generate various data points about you. Data by
which you are identified is termed as "Personal Data". Personal
Data does not mean information that is freely available or
accessible in public domain. Your Privacy is of utmost importance
to us and protection of your Personal Data is a key commitment for
us. We are governed by the provisions of applicable law in India
including the Information Technology Act 2000 and the Information
Technology (Reasonable security practices and procedures and
sensitive personal data or information) Rules, 2023 to maintain
the privacy of your Personal Data.
2. What Personal Information about Customers Does PayHubs
Services collect?
We collect your personal information in order to provide and
continually improve our products and services. Here are the types
of personal information we collect: Information You Give Us: We
receive and store any information you provide in relation to PayHubs Services. Click here to see examples of what
we collect. You can choose not to provide certain information, but
then you might not be able to take advantage of many of our PayHubs Services. Automatic Information: We
automatically collect and store certain types of information about
your use of PayHubs Services Services, including information about
your interaction with content and services available through
PayHubs Services. Like many websites, we use cookies
and other unique identifiers, and we obtain certain types of
information when your web browser or device accesses PayHubs Mobile Services and other content served by or on behalf of
PayHubs Mobile on other websites. Information from Other
Sources: We might receive information about you from other
sources, such as updated delivery and address information from our
carriers, which we use to correct our records and deliver your
next purchase more easily.
3. For What Purposes Does PayHubs Mobile Services Use Your
Personal Information?
We use your personal information to operate, provide, develop, and
improve the products and services that we offer our customers.
These purposes include:-
◉ Purchase and delivery of products and services. We use your
personal information to take and fulfill orders, deliver products
and services, process payments, and communicate with you about
orders, products and services, and promotional offers.
◉ Provide, troubleshoot, and improve PayHubs Mobile
Services. We use your personal information to provide
functionality, analyze performance, fix errors, and improve the
usability and effectiveness of the PayHubs Mobile
Services.
◉ Recommendations and personalization. We use your personal
information to recommend features, products, and services that
might be of interest to you, identify your preferences, and
personalize your experience with PayHubs Mobile Services.
◉ Provide voice, image and camera services. When you use our
voice, image and camera services, we use your voice input, images,
videos, and other personal information to respond to your
requests, provide the requested service to you, and improve our
services
◉ Comply with legal obligations. In certain cases, we collect and
use your personal information to comply with laws. For instance,
we collect from sellers information regarding place of
establishment and bank account information for identity
verification and other purposes.
◉ Communicate with you. We use your personal information to
communicate with you in relation to PayHubs Mobile Services
via different channels (e.g., by phone, e-mail, chat).
◉ Advertising. We use your personal information to display
interest-based ads for features, products, and services that might
be of interest to you. We do not use information that personally
identifies you to display interest-based ads
◉ Fraud Prevention and Credit Risks. We use personal information
to prevent and detect fraud and abuse in order to protect the
security of our customers, PayHubs Mobile , and others. We
may also use scoring methods to assess and manage credit risks.
4. Purpose of PayHubs Mobile Application?
5. Why we are using Contact List?
We are using contact list because through this users no need to type
the details manually. It will also increase the user performance. It
will also increase the Application performance. User can easily
handle the application through this.
6. What Information take?
By providing Us Your Information or by making use of the PayHubs Services provided by the PayHubs Mobile App
or PayHubs Services platforms, You hereby consent to the collection,
storage, processing, disclosure and/or transfer of any or all of
Your Personal Information (as defined below), Sensitive Personal
Information (as defined below) and Non-Personal Information (as
defined below) by PayHubs Mobile Entities, as specified under
this Privacy Policy. 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/Application 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.
◉ Personal Information - any information that relates to You, which,
either directly or indirectly, in combination with other information
available is capable of identifying You as a person. Your personal
information shall include but not limited to the following -,
◉ Your name, parent?s name, address, telephone number, e-mail
address and other PayHubs Mobile graphic information.
◉ Your date of birth, gender and marital status.
◉ Any other information provided by you as part of ?Know your
customer? norms as required under applicable laws.
◉ Information related to transactions processed on PayHubs
Mobile platforms, excluding payment instrument details.
◉ Sensitive Personal Information - Data or information of a person
means which consists of information relating to - Password
◉ Financial information such as Bank account or credit card or debit
card or other payment instrument details Physical, physiological and
mental health condition
◉ Sexual orientation
◉ Medical records and history
◉ Biometric information
◉ Any information relating to the above points shared by You.
Any of the information received by PayHubs Mobile Entities for
processing, stored or processed under lawful contract
otherwise.Provided that, any information that is freely available or
accessible in public domain or furnished under the Right to
Information Act, 2005 or any other law for the time being in force
shall not be regarded as Sensitive Personal Information and may be
regarded as Personal Information.
Non-Personal Information- We and our Service Providers may collect
non-personal data while you access PayHubs Mobile platforms
via url, smartphones or any other mobile devices. This information
shall not identify you as a person.
◉The devices and identification numbers of devices used by you to
access PayHubs Mobile platforms.
◉I.P address and information related to the I.P address.
◉Your geographic location, cookies stored on your browser/devices
and behaviour on PayHubs Mobile platforms.
◉ The operating system of your device, browser, browsing behaviour
and any other data as permitted to be stored by mobile app
stores.
◉ OTP sent to you by your issuer bank or PayHubs Mobile
platforms exclusively to carry out transactions on PayHubs
Mobile platforms.
◉ Your messages on message boards, chats or any other
message/feedback areas shared on PayHubs Mobile Platforms and
Social Media.
◉Information may be collected in various ways and formats during the
course of your visit or access to PayHubs Mobile Platforms by
way of - Visiting PayHubs Mobile platforms.
◉ Registering on PayHubs Mobile platforms as an user or
merchant? or any other relationship that may be governed by terms
and conditions listed on PayHubs Mobile platforms.
◉Transacting or attempting to transact on PayHubs Mobile
platforms.
◉Accessing, links, e-mails, notifications sent or owned by PayHubs Services platforms.
◉ Otherwise dealing with any of the PayHubs Mobile
Entities?
We and our Service Providers or Business Partners may also collect
information made publicly available through other third-party
platforms, through online or offline databases that are otherwise
legitimately obtained and are subject to the third partys terms of
use and/or privacy statement.
We may automatically track certain information about you based upon
your behaviour on our App. We use this information to do internal
research on our users PayHubs Mobile graphics, interests, and
behaviour to better understand, protect and serve our users. This
information is compiled and analysed on an aggregated basis. We and
our Service Providers use data collection tools such as
cookies/similar,etc on certain pages of the app to help analyse our
app page flow, measure promotional effectiveness, and promote trust
and safety. We offer certain features that are only available
through the use of a "cookie" We and our Service Providers also use
cookies to allow you to enter your password less frequently during a
session. Cookies can also help us provide information that is
targeted to your interests. Most cookies are session cookies, 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
7.PayHubs Mobile FEES
7.1- In consideration of and subject to payment of thePayHubs Services Fees, PayHubs Mobile has agreed to make
available the PayHubs Mobile Services to you as per these
Terms and Conditions as specified in Annexure A.
7.2- Quoted PayHubs Mobile Fees is exclusive of any applicable
taxes, all of which shall be the liability of and charged to you.
7.3- PayHubs Mobile shall be entitled, without exception and
at its discretion, to deduct from any payments to be made to you,
all outstanding PayHubs Mobile Fees and any taxes.
8. Usage of Your Personal Data
PayHubs Mobile aspires to deliver a safe, efficient, smooth
and customized experience. We aspire to provide services and
features that most likely meet your needs, and to customize our
Website/Application to make your experience safer and easier. PayHubs Services may collect, use, store and transfer your Personal
Information including Sensitive Personal Information and
Non-personal information for the following purposes
◉ Verification of your identity, access, privileges assigned in
order to provide the services you request, or we intend to offer.
◉ To resolve disputes; troubleshoot problems; help promote a safe
service; collect money; measure consumer interest in our products
and services,
◉ To inform you about online and offline offers, products, services,
and updates; customize your experience and Improving your experience
while using the application by presenting advertising, products and
offers tailored to you.
◉ To 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.
◉ To analyse PayHubs Mobile graphic and profile data about our
users activity on our app.
◉ 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 PayHubs Mobile graphic information.
◉ Responding to the judicial process and providing information to
law enforcement agencies or any government agency in connection with
a query/investigation on matters as permitted by law.
◉ Allow third parties to contact with You for products and services
availed/requested by You on PayHubs Mobile platforms or third
party links.
◉ To identify security breaches and attacks, investigating,
preventing and taking action on illegal or suspected fraud or money
laundering activities and conducting forensic audits as part of
internal or external audit or investigation by any of the PayHubs Services Entities or government agencies located within
India or outside Indian Jurisdictions.
◉ Sharing, disclosing and transfer of data in case of any major
event such as merger, acquisition, sale or transfer of assets in
case of any Force Majeure event to any other PayHubs Mobile
Entity or third party.
◉ For data processing, statistical or risk analysis and for
analytics and review for improvement of the product/services.
◉ For designing and marketing, PayHubs Mobile
products/services and its affiliates products/services.
◉ For conducting risk management.
To the extent we use your personal information to market to you, we
will provide you the ability to opt-out of such uses. 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 PayHubs Mobile graphic
information. We will occasionally ask you to complete optional
online surveys. These surveys may ask you for contact information
and PayHubs Mobile graphic 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.
9. What is your business
PayHubs Mobile used to provide the BBPS service including
Mobile recharges, electricity bills, Gas, water bill, also Used to
do banking services, can take the fund through bank account to his
wallet, also used to do transaction for bank related services...
10. Reasonable Security Practices and Procedures
We take various steps and measures to protect the security of your
Personal Data from misuse, loss, unauthorised access, modification
or disclosure. We use latest secure server layers encryption and
access control on our systems. Our safety and security processes are
audited by a third party cyber security audit agency from time to
time. We have provided multiple levels of security to safeguard your
app by Login/Logout option and AppLock feature that can be enabled
by you. We also ensure the device binding so that the same login
cannot be used on different device without any additional
authentication/OTP. Please do not share your PayHubs Mobile
login, password and OTP details with anybody.
11. For What Purposes does PayHubs Mobile Use Your
Personal Information?
We use your personal information to operate, provide, develop, and
improve the products and services that we offer our customers. These
purposes include:
◉ Purchase and delivery of products and services. We use your
personal information to take and fulfill orders, deliver products
and services, process payments, and communicate with you about
orders, products and services, and promotional offers.
◉ Provide, troubleshoot, and improve PayHubs Mobile Services.
We use your personal information to provide functionality, analyze
performance, fix errors, and improve the usability and effectiveness
of the PayHubs Mobile Services.
◉ Recommendations and personalization. We use your personal
information to recommend features, products, and services that might
be of interest to you, identify your preferences, and personalize
your experience with PayHubs Mobile Services.
◉ Provide voice, image and camera services. When you use our voice,
image and camera services, we use your voice input, images, videos,
and other personal information to respond to your requests, provide
the requested service to you, and improve our services.
◉ Comply with legal obligations. In certain cases, we collect and
use your personal information to comply with laws. For instance, we
collect from sellers information regarding place of establishment
and bank account information for identity verification and other
purposes.
◉ Communicate with you. We use your personal information to
communicate with you in relation to PayHubs Mobile Services
via different channels (e.g., by phone, e-mail, chat).
◉ Advertising. We use your personal information to display
interest-based ads for features, products, and services that might
be of interest to you. We do not use information that personally
identifies you to display interest-based ads. To learn more, please
read our Interest-Based Ads notice.
◉ Fraud Prevention and Credit Risks. We use personal information to
prevent and detect fraud and abuse in order to protect the security
of our customers, PayHubs Mobile , and others. We may also use
scoring methods to assess and manage credit risks.
12. What About Cookies and Other Identifiers
To enable our systems to recognize your browser or device and to
provide and improve PayHubs Mobile Services, we use cookies
and other identifiers. For more information about cookies and how we
use them, please read our Cookies Notice
13. Does PayHubs Mobile Share Your Personal
Information
Information about our customers is an important part of our business
and we are not in the business of selling our customers? personal
information to others. We share customers? personal information only
as described below and with PayHubs Mobile .com, Inc. and
subsidiaries that PayHubs Mobile .com, Inc. controls that
either are subject to this Privacy Notice or follow practices at
least as protective as those described in this Privacy Notice.
◉ Transactions involving Third Parties: We make available to you
services, products, applications, or skills provided by third
parties for use on or through PayHubs Mobile Services. For
example, the products you order through our marketplace are from
third parties, you can download applications from third-party
application providers from our App Store, and enable third-party
skills through our Alexa services. We also offer services or sell
product lines jointly with third-party businesses, such as sellers
on the marketplace, restaurants registered on PayHubs Mobile ,
merchants providing mobile recharges and bill-payment assistance.
You can tell when a third party is involved in your transactions,
and we share customers? personal information related to those
transactions with that third party.
◉ Third-Party Service Providers: We employ other companies and
individuals to perform functions on our behalf. Examples include
fulfilling orders for products or services, delivering packages,
sending postal mail and e-mail, removing repetitive information from
customer lists, analyzing data, providing marketing assistance,
providing search results and links (including paid listings and
links), processing payments, transmitting content, scoring,
assessing and managing credit risk, and providing customer service.
These third-party service providers have access to personal
information needed to perform their functions, but may not use it
for other purposes. Further, they must process the personal
information in accordance with applicable law.
◉ Business Transfers: As we continue to develop our business, we
might sell or buy other businesses or services. In such
transactions, customer information generally is one of the
transferred business assets but remains subject to the promises made
in any pre-existing Privacy Notice (unless, of course, the customer
consents otherwise). Also, in the unlikely event that PayHubs
Services .com, Inc. or PayHubs Mobile Seller Services Private
Limited or any of its affiliates, or substantially all of their
assets are acquired, customer information will of course be one of
the transferred assets.
◉ Protection of PayHubs Mobile and Others: We release account
and other personal information when we believe release is
appropriate to comply with the law; enforce or apply our Conditions
of Use and other agreements; or protect the rights, property, or
safety of PayHubs Mobile , our users, or others. This includes
exchanging information with other companies and organizations for
fraud protection and credit risk reduction.
Other than as set out above, you will receive notice when personal
information about you might be shared with third parties, and you
will have an opportunity to choose not to share the information.
14. How Secure is Information About Me?
We design our systems with your security and privacy in mind.
◉ We work to protect the security of your personal information
during transmission by using encryption protocols and software.
◉ We follow the Payment Card Industry Data Security Standard (PCI
DSS) when handling payment card data.
◉ We maintain physical, electronic, and procedural safeguards in
connection with the collection, storage, processing, and disclosure
of personal customer information. Our security procedures mean that
we may occasionally request proof of identity before we disclose
personal information to you.
◉ Our devices offer security features to protect them against
unauthorized access and loss of data. You can control these features
and configure them based on your needs
◉ It is important for you to protect against unauthorized access to
your password and to your computers, devices and applications. Be
sure to sign off when finished using a shared computer.
15. What About Advertising
Third-Party Advertisers and Links to Other Websites: PayHubs
Mobile Services may include third-party advertising and links to
other websites and apps. Third-party advertising partners may
collect information about you when you interact with their content,
advertising, and services. For more information about third-party
advertising at PayHubs Mobile , including interest-based ads,
please read our Interest-Based Ads policy. To adjust your
advertising preferences, please go to the Advertising Preferences
page. Use of Third-Party Advertising Services: We provide ad
companies with information that allows them to serve you with more
useful and relevant PayHubs Mobile ads and to measure their
effectiveness. We never share your name or other information that
directly identifies you when we do this. Instead, we use an
advertising identifier like a cookie or other device identifier. For
example, if you have already downloaded one of our apps, we will
share your advertising identifier and data about that event so that
you will not be served an ad to download the app again. Some ad
companies also use this information to serve you relevant ads from
other advertisers. You can learn more about how to opt-out of
interest-based advertising by going to the Advertising Preferences
page.
16. What Information can I Access
You can access your information, including your name, address,
payment options, profile information, Prime membership, household
settings, and purchase history in the "Your Account" section of the
website or mobile application. Click here for a list of examples
that you can access. To request access to personal information that
is not available through Your Account you can submit a request here.
17. What Choices Do I Have?
If you have any questions as to how we collect and use your personal
information, please contact our Grievance Officer. Many of our PayHubs Services also include settings that provide
you with options as to how your information is being used
◉ As described above, you can always choose not to provide certain
information, but then you might not be able to take advantage of
many of the PayHubs Mobile Services.
◉ You can add or update certain information on pages such as those
referenced in What Information Can I Access?. When you update
information, we usually keep a copy of the prior version for our
records
◉ If you do not want to receive e-mail or other communications from
us, please adjust your Customer Communication Preferences. If you
don?t want to receive in-app notifications from us, please adjust
your notification settings in the app or device
◉ If you do not want to see interest-based ads, please adjust your
Advertising Preferences.
◉ The Help feature on most browsers and devices will tell you how to
prevent your browser or device from accepting new cookies or other
identifiers, how to have the browser notify you when you receive a
new cookie or how to block cookies altogether. Because cookies and
identifiers allow you to take advantage of some essential features
of PayHubs Mobile Services, we recommend that you leave them
turned on. For instance, if you block or otherwise reject our
cookies, you will not be able to add items to your Shopping Cart,
proceed to Checkout, or use any Services that require you to Sign
in. For more information about cookies and other identifiers, see
our Cookies Notice.
◉ If you want to browse our websites without linking the browsing
history to your account, you may do so by logging out of your
account here and blocking cookies on your browser.
◉ You will also be able to opt out of certain other types of data
usage by updating your settings on the applicable PayHubs
Mobile website (e.g., in "Manage Your Content and Devices"), device,
or application. For more information click here. MostPayHubs Services devices also provide users with the ability to
change device permissions (e.g., disable/access location services,
contacts). For most devices, these controls are located in the
devices settings menu. If you have questions about how to change
your device permissions on devices manufactured by third parties, we
recommend you contact your mobile service carrier or your device
manufacturer.
◉ If you are a seller, you can add or update certain information in
Seller Central , update your account information by accessing your
Seller Account Information, and adjust your e-mail or other
communications you receive from us by updating your Notification
Preferences.
18. Are Children Allowed to Use PayHubs Mobile
Services?
PayHubs Mobile does not sell products for purchase by
children. We sell childrens products for purchase by adults. If you
are under the age of 18 years, you may use PayHubs Mobile
Services only with the involvement of a parent or guardian.
