1. Consent
2. By visiting this website https://payswift.in (“Website”) you agree to be bound by the terms and conditions of PAYSWIFT Technology Private Limited (“PAYSWIFT”)’s Privacy Policy. If you do not agree please do not use or access this Website. By mere use of the Website, even visiting any single page, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of use provided at https://payswift.in /terms-conditions (“Terms of Use”).
3. This Privacy Policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this Privacy Policy periodically.

 

2. No warranties

This Website including the information and materials, and any software made available, are provided “as is” and “as available” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose or warranty of any kind, express or implied, regarding third party content. PAYSWIFT shall take commercially reasonable endeavours to keep the Website free from any kind of unauthorised access, computer viruses, however, PAYSWIFT cannot warrant that the Website shall be free of any computer viruses or any unauthorised access. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the internet.

 

3. Limitation of damages
4. In no event shall PAYSWIFT or any of its subsidiaries, affiliates, their directors, officers, employees, representatives and service providers be liable to any entity for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of this web site or any linked web site, even if PAYSWIFT is expressly advised of the possibility of such damages. PAYSWIFT accepts no liability for any errors or omissions, whether on behalf of itself or third parties.
5. In the event PAYSWIFT is found liable, despite the limitation above, for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of PAYSWIFT shall be restricted to, in the aggregate, any service/transactional fees paid by you to the PAYSWIFT in connection with such transaction(s) on this Website, if applicable.

 

4. Security

Despite our best efforts, you will appreciate that no data security measures can guarantee 100% security. You should therefore take steps to protect against unauthorised access to your password, phone and computer. We are not responsible for any lost, stolen or compromised passwords, or for any activity on your account via unauthorised password activity.

5. Unlawful use of this website

We reserve the right to investigate complaints or reported violations of this Privacy Policy and to take any action as deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons, or entities relating to users profiles, e-mails, addresses, usage history, posted materials, IP addresses and any other information if required by the appropriate authorities.

 

6. Governing Law and Jurisdiction

This Website is for informational purposes only and should not be construed as technical advice of any manner you are solely responsible for any act or transaction undertaken by you. By viewing/accessing the Website you agree to the exclusive jurisdiction of the courts at Bhubaneswar, India in respect of any action arising there from or related thereto.

 

7. Sharing of Personal Information
8. You consent to the use of your personal information by PAYSWIFT and/or its third party providers and distributors in accordance with the terms of and for the purposes set forth in the Privacy Policy for providing you services and products including but not limited to personal loans. PAYSWIFT reserves the right to use the information to provide the you a more personalized online experience.

1. We use the information we collect to:
2. Provide you the services that you have requested.
3. Tell you about exciting offers which we think you will value.
4. Customize the content and advertising that you see on the Website.
5. Improve your experience on the Website and with PAYSWIFT.
6. As otherwise described to you at the point of collection or with your consent.
7. As permitted by applicable law, to assist us in advertising our products and services in various mediums including, without limitation, sending promotional emails, advertising our services on third party sites and social media platforms, direct mail, and by telemarketing.
8. To protect our customers, employees or property — for instance, to investigate fraud, harassment or other types of unlawful activities involving PAYSWIFT or its affiliates and third parties that we do business with, and to enforce this Privacy Policy, as well as our Terms of Service.

• PAYSWIFT shall share personal information about you with partners or affiliated companies to provide products or services you’ve requested or to suggest products and services suitable for you.

1. PAYSWIFT provides the information to trusted partners who work on behalf of or with PAYSWIFT. These companies may use your personal information to help PAYSWIFT communicate with you about offers from PAYSWIFT and our marketing partners. However, these companies do not have any independent right to share this information.

1. PAYSWIFT may share your information with its business partners who provide services, who are NBFC, who sponsor an event, or who jointly offer a service or feature with www.PAYSWIFT.in.

1. PAYSWIFT shall transfer information collected from you if PAYSWIFT is acquired by or merged with another company.

• We may disclose the information we collect from you in order to comply with applicable law, judicial proceedings, a court order, or other legal process. We may disclose the information collected from you if we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, as evidence in litigation in which we are involved, or as otherwise required by law.

• If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you.

1. From time to time, we may seek your consent to use your information for a purpose not described in this Privacy Policy. We may also share your personal information with third parties under other circumstances where we have your consent for specific purposes.

1. You may choose to give us personal information, such as your name, contact number, address or e-mail id that may be needed, for example, to correspond with you, to participate on the site, or to apply for a Loan.

1. We sometimes collect anonymous information from visits to our Website to help us provide better customer service. For example, we keep track of the domains from which people visit and we also measure visitor activity on our Website, but we do so in ways that keep the information anonymous. PAYSWIFT or its affiliates or vendors may use this data to analyse trends and statistics and to help us provide better customer service. This anonymous information is used and analysed only at an aggregate level to help us understand trends and patterns. None of this information is reviewed at an individual level.

• We maintain standard call and IP logs that record data about all users who call us and/or access our Website. We store this information for providing services and as an analysis tool. All call logs are stored securely and may only be accessed by our employees or designees on a need-to-know basis for a specific purpose. We use call log information to help provide our members the efficient services under this membership. We collect IP address of all visitors to the Website.

• We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information.

• We will make a sincere effort to respond in a timely manner to your requests to correct inaccuracies in your personal information. To correct inaccuracies in your personal information please return the message containing the inaccuracies to the sender email id with details of the correction requested.

1. PAYSWIFT may, if you so choose, send direct mailers to you at the address given by you. You have the option to ‘opt-out’ of this direct mailer by way of links provided at the bottom of each mailer. We respect your privacy and, in the event, that you choose to not receive such mailers, we will take all steps to remove you from the list.

• PAYSWIFT provides links to web sites and access to content, products and services from third parties, including users, advertisers, affiliates, service providers and sponsors of the Website. You agree that PAYSWIFT is not in control of and is not responsible for the availability of, content provided on, accuracy and completeness of information on, third party web sites. The User is requested to peruse the policies posted by such third party web sites regarding their privacy policy and terms of use, before using/accessing such web sites.

• PAYSWIFT is not responsible for third party content accessible through the Website, including opinions, advice, statements and advertisements, and you shall bear all risks associated with the use of such content. PAYSWIFT is not responsible for any loss or damage of any sort user may incur from dealing with any third party.

• In the event, you intend to delete the information submitted by you to PAYSWIFT from PAYSWIFT’s database, you shall inform us about the same at [support@payswift.in]It is clarified, that after such request, you will not be able to access all the services and content available on the Website.

8. Cookies
9. A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer’s hard drive. The cookies do not contain any of your personally identifiable information.
10. We use data collection devices such as “cookies” on certain pages of the Website to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety.

• We 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,” meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to re-enter your password more frequently during a session.

1. Additionally, you may encounter “cookies” or other similar devices on certain pages of the Website that are placed by third parties. We do not control the use of cookies by third parties and you shall be solely responsible for accepting such third party cookies.
2. User Generated Content

We may invite you to post content on the Website, including your comments, pictures, and any other information that you would like to be available on the Website. If you post content on the Website, the information that you post will be available to other visitors of Website. If you post your own content on the Website, your posting may become public and we cannot prevent such information from being used in a manner that may violate this Privacy Policy, the law, or your personal privacy. You shall be solely responsible for any such information, picture, review, content, remarks, etc. posted by you.

10. Policy Review & Updates.
11. This policy will be reviewed by us as and when required and the same may change at any time. The latest & most updated policy can always be found at https://payswift.in /privacy-policy/
12. While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.

• This Privacy Policy shall apply uniformly to PAYSWIFT’s desktop website, mobile WAP site & mobile applications.

How To Contact Us:

1. If you have a technical or general support question, please visit https://payswift.in/contact-us/to reach out to us directly.
2. If you suspect your PAYSWIFT account has been hacked or taken over, please visit https://payswift.in/contact-us/  to inform us immediately.
3. Grievance Officer

PAYSWIFT carries on the business of technology and distribution of mobile banking, mobile payments, financial inclusion and other financial services. PAYSWIFT is desirous of extending digital financial services to the common man through the use of PAYSWIFT Platform as a Business Correspondent of various banks (collectively referred to as “PAYSWIFT Platform”). “Confidential Information” means any data or information disclosed hereunder (whether written, oral or graphical) that relates to PAYSWIFT, Customer details, PAYSWIFT Payment Platform, PAYSWIFT technology, PAYSWIFT Property or in the nature of financial or commercial information, technology, research, development, processes, know-how, computer programs, prototypes, designs, specifications, contents, materials, techniques, drawings, business development, marketing, Customer or business activities, and which is confidential or proprietary to or a trade secret of PAYSWIFT, provided that either the information is marked or identified as confidential at the time of disclosure, or that it is reasonably apparent to the recipient that the information is confidential. The term Confidential Information also means all information in relation to a party which is commercially sensitive or of a secret nature, or information which is marked confidential, relating to any and all aspects of the business and financing of either party. Such information may be expressed in any form including orally, as an idea, as price lists, plans, Customer lists or details, computer software, or information concerning either party’s relationships with actual or potential clients or Customers and the needs and requirements of such persons. PAYSWIFT keeps secrecy of privacy of its user base and the channel partners when they use our product and services. The statement here highlights and gives information about the privacy practices employed and used by us in relation to the personal information we hold of our channel partners and users. 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. Exception to PAYSWIFT Privacy Policy: Data and information provided by the users/channel partners 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 PAYSWIFT privacy policy. Such information is therefore not protected under our privacy policy. Use of Personal Information and Data PAYSWIFT uses the personal data and information given by the users/channel partners to provide them and with specific services that have been explicitly requested by a user/associate. The personal information is required and used by PAYSWIFT to troubleshoot concerns, resolve disputes, collect money, promote safe and secure services, inform the users and partners about our services/offers/updates, assess the interest of users and partners 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. Disclosure of Information Data PAYSWIFT shares sensitive or private confidential data or information with an external organization only when it is necessary to enable us to provide the services to channel partners and users. We may also share the information 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 channel partners. The information of the channel partners and users will be shared when it is required or permitted by law. Observation and Implementation of Reasonable Security Practices PAYSWIFT undertakes the necessary and reasonable precautions for maintaining the confidentiality and privacy of data and information of our users as well as channel partners. 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. Users hereby agree that by clicking or entering in to this PAYSWIFT website they agree to all terms and conditions of PAYSWIFT.

PAYSWIFT WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES (INCLUDING ANY LOSS OF REVENUE, PROFITS, GOODWILL, USE, OR DATA), PAYSWIFT PLATFORM SERVICES EVEN IF PAYSWIFT HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. PAYSWIFT disclaims all warranties, express or implied, written or oral, including, but not limited to, warranties of merchantability and fitness for a particular purpose with respect to the PAYSWIFT technology, PAYSWIFT Payment Platform or PAYSWIFT Platform Services or otherwise made. PAYSWIFT, also reserves the right to refuse to transfer money in respect of transactions from Customers with a prior history of non-payments, questionable charges and any litigation arisen from similar services provided by PAYSWIFT to the Customers before. The financial transactions conducted through the PAYSWIFT Payment Platform are linked to your registered mobile number. PAYSWIFT will not be held liable for unauthorized use of PAYSWIFT Payment Platform as a result of loss/theft/misplacement of mobile number and/or SIM, unless you have informed PAYSWIFT about such loss/theft/misplacement and have blocked PAYSWIFT account temporarily till you reactivate the same using a new SIM with same mobile number. PAYSWIFT Payment Platform is available for use in India only and cannot be used for cross-border transactions. The users/partners are solely responsible for ensuring the security and secrecy of their username and their passwords. Privacy Policy Updates PAYSWIFT 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.