Privacy Policy

1. General

By agreeing to this privacy policy you agree specifically that PAYABBHI.COM (hereinafter called PAYABBHI) can collect, process, and use your data and personal information in accordance with the present privacy policy. This privacy policy describes how we collect and use this information. PAYABBHI will use your information in strict compliance with data protection regulations, in particular the provisions of Rule 4(1) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. Under no circumstances will we sell or rent your personal information to third parties, for their marketing purposes, or for any or other purposes. If you do not agree with the terms of the privacy policy, please do not register as a customer and do not use this service. By agreeing to the present privacy policy, you accept the collection, processing, and use of your personal information and data in the manner described here.

1.1. Changes to the data privacy policy

This privacy policy may be revised in the course of time, if new features are added, or if proposals/suggestions from our PAYABBHI users are implemented. We reserve the right to change this privacy policy at any time, and to place the revised version on our website. The revised version becomes effective upon expiration of a period of 30 days after it has been changed on the website. It will be assumed that you have agreed to all changes to the privacy policy if you continue to use the services after this period. If you do not agree to the provisions of the privacy policy, you can cancel your account at any time.

1.2. Links on the PAYABBHI website

Some sections of our website contain links to the websites of third parties. These pages are subject to their own privacy policies. PAYABBHI is not responsible for their operation, including data handling. Users who send information to or via such third-party sites, should check the privacy policies of these sites before they share information with them. By using our Services through the Sites, you signify your assent to this Privacy Policy and consent to the processing of your Personal Information. If you do not agree with this Privacy Policy please refrain from using our Services in any manner. By using the Site and/or the services offered by us, you agree to be bound by this Privacy Policy and all rules, guidelines and/or policies, as may be modified by us from time to time, unconditionally and at all times, and further agree and confirm that you consent to providing PAYABBHI with your personal information for the purpose set out below and you understand that such collection, storage and handling is lawful, necessary and permissible under the applicable laws.

2. Data Collection, Processing and Use

2.1. Required Information

PAYABBHI will only collect your personal data if you voluntarily share it with us, for example via our website, by email, or by telephone. In order to use our service you may be required to produce or enter your last name, first name, address, telephone number, and email address. To accept payments with PAYABBHI, you must also specify your bank account information. We additionally require more information about yourself and your company if you want to use our service in its entirety. For tests only a valid email address and a password are required. Under some circumstances we may also ask you certain security questions (e.g. regarding your place of birth or mother’s maiden name).Once you have set up such security question, in case of situations where you are not able to recollect or lost the login and password details or if you chose to alter/change any or both of them, the system will generate a security link and send it to the registered email id only upon you answering the security question set up as above. We need this information to process transactions, assign new passwords, to carry out checks in protecting you from credit card and bank account fraud if you have forgotten your current password, and to connect you with the administration of your account or of our services.

2.2. Transaction Information

If you use our service, in relation to the transaction we will request to store your information, including the amount of the transaction, type of transaction (sale, selling a service) and email address, address of the customer, IP address, token and customer telephone number. We collect the IP address and other information about your computer, or the device that you use to access your user account, in order to monitor your account in relation to unauthorized access.

2.3. Additional verification

If we cannot verify the information you have provided, or if we need additional information regarding your company, we will ask you to send additional information by fax, scan, or post (such as disclosure of all shareholders, excerpt from the commercial register not older than 3 months, credit card statement, or other information that places you in connection with the appropriate address), or we will perform a postal identity check. PAYABBHI reserves the right under some circumstances to make an onsite visit to your company.

2.4. Correspondence with Customer service

You send us correspondence, including emails and faxes, they will be stored in your account. We also save the entire customer service correspondence and other correspondence from PAYABBHI addressed to you. We store this data to document our customer relationships, to evaluate and improve our customer service, and to investigate potential fraud or violations of our terms of use. The data will of course be deleted or blocked in accordance with applicable legislation.

3. Use and disclosure of information

If you agree that we may use and store your personal information for the following purposes:

3.1. Internal use

• Providing the services and customer services you have requested
• Resolving conflicts, collection of fees, troubleshooting problems
• Prevention of potentially illegal or prohibited activities
• Enforcing our Terms of Use
• Adjustment, Review and Improvement of Our services
• Comparison of information for determining accuracy and validation using third parties

3.2. Disclosure of customer information via service providers

Please be advised that service providers from whom you purchase and with whom you concluded a contract, may have their own privacy policies, and that PAYABBHI is not liable for their application and manner of operation. Under some circumstances within the Privacy Policy your information may be accessed by additional third parties. Therefore, please check whether you are in agreement with the respective dealer or third party’s privacy policy.

3.3. Disclosure of data to third parties

PAYABBHI does not sell or rent any personal information to third parties for their marketing purposes. Disclosure takes place solely for the purposes described in this policy. You expressly agree, and indicate to PAYABBHI, that the following measures will be taken:

• Disclosure of information, including, but not limited to transaction data, accounts, personal data, and the exchange of information with police, security forces, state, inter-governmental and supranational institutions, agencies (except tax authorities), departments or regulatory authorities, or organizations or third parties, including group corporations, regarding whom we believe there is cause for investigating cases of fraud or other unlawful or potentially unlawful activity, as well as violations of our terms of use (including your credit card or Debit card provider, or other account payment source). If you have given us false or inaccurate information and we determine that there is an instance of fraud, we will disclose the relevant data to appropriate agencies for the prevention of fraud, or to law enforcement agencies. We and other organizations may use this data to prevent fraud and money laundering.
• Disclosure due to legal regulations or because of a criminal or civil process. In this clause, All account information includes: name, address, email address, telephone number, IP address, account number, account type, details of funding instruments associated with the account, details of payment transactions, details of commercial transactions, customer information and reports, account settings, customer data that we have received in the course of the legal obligation to identify our PAYABBHI user, and PAYABBHI user correspondence.
• Disclosure of information to your agent or legal representative (such as the holder of power of attorney granted by you or a guardian appointed for you).
• Like with other companies, it is possible that PAYABBHI will enter into joint ventures in the future, or be acquired by another company. If such an acquisition takes place, you agree that the subsequent company will gain access to the information managed by PAYABBHI, including information regarding member accounts. The subsequent company will still be bound by the privacy policy, unless it is changed accordingly.

3.4. Service Providers Disclosure for operational purpose:

• We generally communicate with our service providers via email or phone to provide requested services: in the processing of customer complaints, to reply to customer inquiries, to inform you that in our view your user account is being used for an unauthorized purpose, in order to confirm information concerning your person, to confirm your business or banking transactions, for the collection of receivables, to conduct customer surveys, or to investigate suspicious transactions.
• We use your email address or postal address to confirm your user account, to send you notifications about e.g. the entrance or the debiting of payments via PAYABBHI (including referral bonus payment, as described below), to inform you about important changes to our products and services, and to send you notices and other legally prescribed announcements. In general members cannot choose what messages they will receive. The messages are mainly sent for informational purposes and not for advertising purposes.
• In connection with independent audits of our financial statements and transactions, auditors may contact some of our customers to confirm the correctness of our documents. The auditors may use any personal data for secondary purposes.

4. Data Security

• PAYABBHI applies the highest standards for data security in the management of customer information. We utilize computer protection mechanisms, such as firewalls and data encryption, there are physical access controls to our buildings and files, and we provide access to personal information only to those employees who need it to carry out their activities (need-to-know basis).
• Once you have entered and saved your personal information on our website or in your account, and have logged in, from this point forward communication will be encrypted. We will connect you with our secure server, so that the data cannot be read by any other person. On the basis of 128 bit SSL encryption technology, we encrypt your data and transmit it in safe mode. This standard meets the highest standards, and is used for example by banks. PAYABBHI is Payment Standard Industry Data Security Standard (PCI DSS) complaint and maintains strict security standards for the data collected, in line with the prevailing technological and legal norms.
• For your own security, we recommend using the latest version of your browser and an up-to-date virus scanner. You can recognize when encryption is switched on by the activated lock icon at the bottom of the browser status bar, or directly above the comparison engine. We protect our server and your data with the latest security software and firewalls, which should prevent any unauthorized access attempt from the outset.
• The security of your account also depends on how well you protect your password. Do not share your password with anyone. You will never be asked by a PAYABBHI employee to specify your password. Therefore, consider emails or other messages in which you are asked for your password to be unauthorized and suspicious, and forward them to security@payabbhi.com.
• If you nevertheless give your password to someone else for a particular reason, this person will gain access to your user account and your personal information, and you will be responsible for all activities carried out using your password. If you believe that someone else has access to your password, change it immediately by logging in to your account at payabbhi.com, and make the change in the profile settings, and notify us immediately as described above.

5. Accessing and Changing your Personal Information

You can check the personal data you have provided at any time, and may change this data for your PAYABBHI account only via a written statement. You may also close your account only via a written statement. If you cancel your account, your details will not be used for other purposes, sold, or given to third parties, unless we are legally obliged to do.

6. Protection of Customer Data

PAYABBHI is a service that is only successful due to trust in our company, in you and vice versa. Thus the protection of your personal data is a very important and special concern for us.

6.1. Basic principle: trustworthy handling of your data

PAYABBHI handles the data you provide carefully and conscientiously. Collection, processing, and use of your data only proceeds in the context of the legal provisions, or in the case of your explicit consent. Your personal data and the personal data of others that you provide us with, will not be sold, rented, or disclosed to third parties for other commercial reasons, such as for marketing purposes. Personal data consists of individual details about your personal or factual circumstances. Insofar as personal data regarding a person or transaction is transmitted to PAYABBHI, it will only be used for processing contracts paid via PAYABBHI.

6.2. Technical, organizational data protection

Our own standard is that our measures are always above the industry standard (‘best practice’). To this end we require that anyone who may come in contact with your personal data, commit to maintaining data confidentiality. These obligations also remain in force after termination of activities with PAYABBHI.

7. Cookies, Website Tracking

To make visiting our website attractive and to establish the use of certain functions for you, we use so-called ‘cookies’ on some pages of our website. These involve small text files that are stored locally in the cache of your computer’s Internet browser. Cookies enable the recognition of the Internet browser upon your next visit to our website, making our offer more user-friendly, more effective, and also more secure. By using PAYABBHI you agree to our use of cookies. However, you have the option of setting your browser to reject cookies or to display them in advance. However, if you reject cookies or similar technologies you may not be able to use certain web page offers, services, applications, or features. In addition, you can delete cookies on your system at any time. Please use the help integrated into your browser for more information on this topic. The Site could use log file including internet protocol addresses, browser type, internet service provider, referring/exit pages, platform type, date/ time stamp, and number of clicks to analyze trends, administer the Site, track user movement and gather broad demographic information for aggregate use. These are not linked to information identifiable personally.

8. Contact for Privacy Policy

If you have questions regarding the collection, processing or use of your personal data, the correction, blocking or deletion of data, as well as the revocation of granted consent, please contact: security@payabbhi.com We will gladly answer any questions regarding our privacy policy: help@payabbhi.com