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        <p align="justify">
            PayMate India Limited &#91; &#8220;PayMate&#8221; &#8218; &#8220;we&#8221; or &#8220;us&#8221; &#93; is committed to protecting your information and privacy. This Privacy Policy is designed to help you understand how we may collect, process, store and use the information you provide to us and to assist you in making informed decision while using our Service.
        </p>
        <p>
            This policy is pursuant to the provisions of Rule 4(1) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as may be amended from time to time
        </p>
        <p>&nbsp;</p>

        <div>
            <strong>1. Acceptance of this Policy </strong>
        </div>
        <p>
            You are advised to read this Privacy Policy carefully. By accepting this Privacy Policy and the Terms and
                                    Conditions of Use, a User expressly consents to PayMate's collection, storage, use and disclosure of
                                    his information as described herein. If you do not feel comfortable with any part of this Privacy Policy
                                    or our Terms of Service, you must not use or access our Service or download, install and/or use the
                                    mobile application
        </p>
        <p>&nbsp;</p>
        <div>
            <strong>2. Applicability of this Policy </strong>
        </div>
        <p>
            This Privacy Policy applies to any information of the user when he access/visits our Sites or uses our
                                    Services and does not apply to online platforms or services that PayMate do not own or control,
                                    including platforms or services of third parties. Paymate’s privacy policy applies to use of the Platform
                                    application, desktop, PayMate platform and mobile WAP site, API, and all devices, functionalities,
                                    features, technologies and other services uniformly and its terms are made a part of these T&Cs by
                                    this reference. Additionally, by using our services, the user hereby expressly acknowledges and agree
                                    that Internet transmissions are never completely private or secure. The user understands that any
                                    message or information he sends to the Platform may be read or intercepted by others, even if there
                                    is a special notice that a particular transmission (for example, credit card information) is encrypted.
        </p>


        <p>&nbsp;</p>
        <div>
            <strong>3. Changes to this Policy </strong>
        </div>
        <p>
            We may revise this Privacy Policy from time to time to reflect changes to our business, the Sites or
                                    Services, or applicable laws. The revised Privacy Policy will be effective as of the published effective
                                    date. The revised terms will be notified once the user logs in and hence you should review and read
                                    the terms and conditions and the privacy policy regularly


        </p>

        <p>&nbsp;</p>
        <div>
            <strong>4. Definitions </strong>
        </div>
        <p>
            <b>PayMate</b> shall mean PayMate India Limited (previously known as PayMate India Private Limited) and
                                    includes its affiliates and subsidiaries
        </p>
        <p>
            <b>PayMate Associates</b> shall mean such entities that provide and facilitate services with PayMate,
                                    including banks, acquirers and providers of payment gateways or such other vendors engaged by
                                    PayMate to provides its services
        </p>
        <p>
            <b>PayMate Account/Services</b> means any services and any and all related PayMate platforms,
                                    applications and services offered to you by PayMate in connection with your PayMate Account and
                                    include such services which may be offered by PayMate including but not restricted to digital payment
                                    solutions, invoice discounting, facilitating business credit and such other services as may be offered
                                    by PayMate from time to time
        </p>
        <p>
            <b>Personal Data/Information</b> means personal information that can be associated with an identified or
                                    identifiable person. “Personal Data” can include name, postal address (including billing and shipping
                                    addresses), telephone number, email address, credit card number, bank account number, other
                                    financial account information, financial statements, date of birth, and government-issued credentials
                                    (e.g., driver’s license number, permanent account number Aadhar Number, passport etc.). Personal
                                    Data does not include information that does not identify a specific User.
        </p>
        <p>
            <b>Process</b> means any method or manner in which we handle Personal Data whether or not by
                                    automated means, such as collection, recording, organization, structuring, storage, adaptation or
                                    alteration, retrieval, and consultation, disclosure by transmission, disseminating or erasure or
                                    destruction of Personal Data.

        </p>
        <p>
            <b>Sites</b> means the PayMate platforms, mobile applications, official social media platforms, or other
                                    online properties through which PayMate offers the Services and which has posted or linked to this
                                    Privacy Policy
        </p>
        <p>
            <b>"User":</b> means the PayMate platforms, mobile applications, official social media platforms, or other
                                    online properties through which PayMate offers the Services and which has posted or linked to this
                                    Privacy Policy
        </p>
        <p>&nbsp;</p>
        <div>
            <strong>5.Information we collect </strong>
        </div>
        <ol type="1">
            <li>When the users opens a PayMate express account or avails of a PayMate service or downloads
                                        a PayMate application through a platform, PayMate shall collect following information as
                                        necessary to render our services: - Name, postal address, age, mobile/telephone phone
                                        number, email address, financial information like bank account details, shipping, billing or
                                        communication address of the customer, identification information of the user to set up the
                                        Account
            </li>
            <li>PayMate after obtaining consent of the user at the time of registration also access the
                                        following information ; device ID for mapping the application to the device on which it is
                                        registered, SMS for entering the activation code directly in the application during the
                                        activation, details of the browser, operating system, domain name, IP address, mobile
                                        application version, gallery and camera while uploading KYC documents and when the user
                                        uploads an invoice.
            </li>
            <li>When the user access PayMate Sites, to receive money, to process payments, or to send
                                        money, Paymate may collect information about the transaction, as well as other information
                                        associated with the transaction such as amount sent or requested, amount paid for products
                                        or services, merchant information, including information about any funding instruments used
                                        to complete the transaction, Device Information, Technical Usage Data, and Geolocation
                                        Information.
            </li>
            <li>When the user uses the Services or access the Sites, Paymate shall collect Personal Data the
                                        user provides Paymate about the other participants associated with the transaction such as
                                        name, postal address, telephone number, and financial account information about the
                                        payee/payer who is receiving money from the user or sending money to user. This information
                                        related to the payee/payer and relating to transaction carried out on the Sites is also collected
                                        and stored by PayMate. Hence the user should ensure that the user has obtained explicit
                                        consent of the payer/payee to share, store, process and use its information as per this Privacy
                                        Policy
            </li>
            <li>PayMate may collect additional information from or about user when the users communicates
                                        with PayMate, contacts our customer support teams or respond to a survey.
                                        By choosing to provide this personal information, a User expressly consents to the transfer and
                                        storage of that information on PayMate/ PayMate Associate servers.
            </li>
        </ol>

        <p>
            By choosing to provide this personal information, a User expressly consents to the transfer and storage of that information on PayMate/ PayMate Associate servers.

        </p>
        <p>&nbsp;</p>
        <div>
            <strong>6.Storage of Personal Information </strong>
        </div>
        <p>
            Paymate shall retain Personal information to fulfil our legal or regulatory obligations and to enable us
                                    to provide you seamless services. PayMate may retain Data for longer periods than required by law if
                                    it is in our legitimate business interests and not prohibited by law. If your Account is closed, we may
                                    take steps to mask Data and other information, but PayMate reserves our ability to retain and access
                                    the data for so long as required to comply with applicable laws. We will continue to use and disclose
                                    such Data in accordance with this Privacy Policy, if so required
        </p>

        <p>&nbsp;</p>

        <div>
            <strong>7. Use of Personal information </strong>
        </div>
        <div>

            <p>We use personal information for varied reasons: -</p>
            <ol type="1">
                <li>to provide and improve the services you request;

                </li>
                <li>to intiate and complete the transaction and/or settlement as requested;
                </li>
                <li>to authenticate your KYC documents
                </li>
                <li>to perform creditworthiness and other financial standing checks, evaluate applications, and
                                            compare information for accuracy and verification purposes;
                </li>
                <li>to tailor and customize your experience at our PayMate platform
                </li>
                <li>to provide you with content that we think you might be interested in and to display content
                                            according to your preferences
                </li>
                <li>to resolve disputes; troubleshoot problems;
                </li>
                <li>to promote a safe service;
                </li>
                <li>to measure user interest in our services through monitoring, research and also analysis of the
                                            user behavior on the Sites;
                </li>
                <li>to inform you on online and offline offers, products, services, and updates;
                </li>
                <li>to detect and protect us against error, fraud and other criminal activity and
                </li>
                <li>to comply with the relevant laws and regulations and enforce the terms and Services
                </li>
            </ol>
            <p>
                When a User utilizes the PayMate platform or sends emails or other data, information or
                                        communication to PayMate or any of its accredited service providers or banks, the User agrees and
                                        understands that such information and transaction related data may be communicated through a
                                        third-party payment gateway controlled by a PayMate Associate through electronic records and to
                                        the acquirer or the banks. The User expressly consents that such personal information and transaction
                                        related data and/or data related to the payer/payee shall be shared to such parties in course of the
                                        services provided by us. The User consents to receive communications via electronic records from
                                        such PayMate Associate periodically. Upon registration with PayMate, a User agrees that he shall be
                                        contacted on his mobile or e mail address for authentication of a transaction or from time to time
                                        about updating his content to provide features which PayMate believes may benefit him or for the
                                        purpose of receiving promotional messages. A User's information shall remain with PayMate and
                                        PayMate Associates. PayMate does not sell or rent your personal information to anyone. The user
                                        hereby confirms that he has no objection to aforesaid use of his information.
            </p>
        </div>

        <p>&nbsp;</p>
        <div>
            <strong>8. Disclosure of Information </strong>
        </div>
        <p>
            PayMate may in course of rendering its services share Personal Data of the User with third-party
                                    service providers, banks, acquirers and payment gateways that perform services and functions at our
                                    direction and on our behalf viz including but not limited to processing of the transactions, providing
                                    customer support or user behaviour analysis, KYC check etc. PayMate also use such information to
                                    perform statistical analyses of User behaviour and characteristics in order to measure interest in and
                                    use of the user.
        </p>
        <p>
            Your consent to this Privacy Policy followed by your submission of such information represents your
                                    agreement to that transfer.
        </p>
        <p>
            PayMate may also share a User's personal information with any statutory or legal authority as may be
                                    required or mandated by that authority. PayMate may disclose personal information when required,
                                    such as to respond to legal requirements, enforce PayMate policies or protect anyone's rights,
                                    property, or safety. Such information will be disclosed in accordance with applicable laws and
                                    regulations in good faith. Please note that we are not required to question or contest the validity of
                                    any search warrant, subpoena or other similar governmental request that we receive. If required by
                                    law to do so or if considered necessary to do so for proper management of credit or business risk,
                                    PayMate reserves the right to disclose any and all such User information, including default in any
                                    payments or misuse of the service, to any court of competent jurisdiction, quasi-judicial authority, law
                                    enforcement agency, relevant wing of the Central Government or State Government, User's employer,
                                    credit reference agency, financial institution or any company which is an affiliate or associate or parent
                                    or subsidiary of PayMate. PayMate shall not sell or rent a User's personal information to third parties
                                    for their marketing purposes without his explicit consent. PayMate shall comply with the DND
                                    regulations as framed and applicable from time to time.
        </p>
        <p>
            PayMate will only disclose your information in accordance with this Privacy Policy. If there is a
                                    requirement to use it for any other purpose, the consent of the user will be obtained
        </p>

        <p>&nbsp;</p>
        <div>
            <strong>9. Information security </strong>
        </div>
        <p>
            Our PayMate platform has stringent security measures in place to protect the loss, misuse, and
                                    alteration of the information under our control. Whenever you change or access your account
                                    information, we offer the use of a secure server. Once your information is in our possession we adhere
                                    to strict security guidelines, protecting it against unauthorized access.
        </p>
        <p>
            Once your information is in our possession we adhere to strict security guidelines, protecting it against
                                    unauthorized access. While we are dedicated to securing our systems and Services, you are
                                    responsible for securing and maintaining the privacy of your password(s) and Account/profile
                                    registration information and verifying that the Personal Data we maintain about you is accurate and
                                    current. We are not responsible for protecting any Personal Data that we share with a third-party
                                    based on an account connection that you have authorized.
        </p>
        <p>
            The PayMate platform includes links to other platforms. Such platforms are governed by their
                                    respective privacy policies, which are beyond PayMate's control. Once a User leaves the PayMate/
                                    PayMate Associate servers, use of any information provided by the User is governed by the privacy
                                    policy of the operator of the site which the User is visiting. That policy may differ from this PayMate
                                    policy. All information gathered on the PayMate platform is securely stored and access to such
                                    information is strictly limited based on need-to-know basis. In addition, details of a User's credit/ debit
                                    card number, PIN details for payment or for verification purposes, password and account information
                                    are encrypted by PayMate in accordance with the guidelines laid down by the PCI Standards. Further,
                                    PayMate does not store the CVV number of a User.
        </p>
        <p>&nbsp;</p>
        <div>
            <strong>10. Disclaimer </strong>
        </div>
        <p>
            You are aware that however as robust and effective as the security measures are, no security system
                                    is impenetrable. You hereby acknowledge that the User is aware of all security risks, including possible
                                    third-party interception of any of his transactions and statements of account on the internet and the
                                    content of his transactions or statements of account becoming known to third parties. The User agrees
                                    and undertakes that he shall not hold PayMate/ PayMate Associates liable therefore in any way. The
                                    use and storage of any information, including without limitation, the credit card number, PIN,
                                    password, account information, transaction activity, account balances and any other information
                                    available on the User's internet access device or computer or mobile phone is at his own risk and
                                    responsibility. The User furthermore acknowledges and accepts that PayMate may not encrypt all
                                    content or communications from and to their PayMate platform.
        </p>

        <p>&nbsp;</p>
        <div>
            <strong>11. Choice of Opt in/Opt out </strong>
        </div>
        <p>
            We provide all users with the opportunity to opt-out of receiving non-essential (promotional,
                                    marketing-related) communications from us on behalf of our partners, and from us in general, after
                                    setting up an account. If you want to remove your contact information from all our lists and
                                    newsletters, please visit unsubscribe
        </p>
        <p>&nbsp;</p>
        <div>
            <strong>12. General </strong>
        </div>
        <div>
            <ol type="1">
                <li>The User hereby agrees that the account information and copies of all documents submitted
                                            by a User are and shall remain the sole and exclusive property of PayMate, and PayMate shall
                                            not be obliged to return the same to him upon his request.
                </li>
                <li>Any unauthorized access to the PayMate web-site is a breach of these terms and a violation
                                            of the law.
                </li>
                <li>A User agrees not to access PayMate web-sites by any means other than through the interface
                                            that is provided by PayMate for use in accessing the same
                </li>
                <li>Any content that maybe restricted or banned by a government order, will be withdrawn
                                            during the pendency of that order.
                </li>
                <li>PayMate is the sole and absolute owner of all and whatsoever intellectual property rights in
                                            the trade mark "PayMate" and the design in respect thereof.
                </li>
                <li>PayMate will be entitled to take any legal action against any person invading and/or
                                            encroaching upon the said rights.
                </li>
            </ol>
            <p>
                This Policy does not apply to the practices of companies that PayMate does not own or control, or to
                                        people that PayMate does not employ or manage.
            </p>
            <p>
                If a User has any questions he may write to PayMate online or he may write to PayMate Customer
                                        Support at <a href="mailto:contact@paymate.co.in">contact@paymate.co.in </a>
            </p>
            <p>
        </div>
        <p>
           <b> Last Updated on: 7<sup>th</sup> March, 2022</b>
        </p>
        <p>
            PayMate Services are provided by PayMate India Limited (previously known as PayMate India Private Limited)
                                    [CIN U72200MH2006PLC205023] Users are requested to read terms and conditions carefully
        </p>
        <p>
            © 2021-2022- PAYMATE INDIA LIMITED
        </p>
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