Introduction to Privacy Policy

This privacy policy (the “Privacy Policy”) applies to your use of the website hosted at razorpay.com, the Services (as defined under the “Terms of Use”), and applications on mobile platforms (Android, Blackberry, Windows Phone, iOS, etc.) (collectively referred to as the “Website”). It does not apply to any third-party websites linked to them or any relationships you may have with businesses listed on the Website.

 

The terms “we”, “our”, and “us” refer to the company, and the terms “you”, “your”, and “user” refer to you, as a user of the Website. “Personal Information” means information that personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data tied to such information. Our practices and procedures regarding the collection and use of Personal Information are outlined below to ensure the safe usage of the Website.

 

We have implemented reasonable security practices and procedures commensurate with the information assets being protected and the nature of our business. While we strive to provide security better than industry standards, due to internet vulnerabilities, we cannot ensure or warrant complete security of all transmitted information. By visiting this Website, you agree to be bound by this Privacy Policy and consent to our collection, use, processing, and sharing of your Personal Information as set out herein. If you do not agree with these terms, do not use the Website.

 

Please note that the terms and conditions provided separately form an integral part of your use of this Website and should be read in conjunction with this Privacy Policy.

 

Information We Collect and How We Use It

 

We collect, receive, and store your Personal Information. If you provide your third-party account credentials (“Third Party Account Information”) to us, you understand that content and information from those accounts may be transmitted to your account with us if authorized, and such information is covered by this Privacy Policy. You may choose not to provide certain information, but this may restrict your ability to register or access some features and services.

 

We use commercially reasonable efforts to limit the collection of Personal Information to what is necessary for the purposes identified below. If we use your information for a different purpose than that for which it was collected, we will seek your consent before such use.

 

Personal Information collected will be used to enable your use of our services, ensure service safety, gauge consumer interest in our products/services, inform you about online offers and updates, troubleshoot problems, customize the user experience, detect and protect against errors, fraud, and other criminal activities, collect payments, enforce our terms and conditions, and as otherwise described to you at the time of collection.

 

Account Information of Merchants

 

If you create an account to utilize our full range of services, we collect and record Personal Information such as your name, email address, and mobile number. We may also collect and store Sensitive Personal Data or Information (such as financial details including credit card, debit card information, bank account, and Know Your Customer (KYC) documents as per RBI regulations, and any other applicable information) that you choose to save in your account. We use your email address to send updates, news, and newsletters (if subscribed), and to contact you on behalf of other users (such as friend requests, and personal messages). To opt out of non-relevant communications, click the unsubscribe link in emails. We use your mobile number to send transaction and SMS alerts based on your preferences. To stop receiving SMS alerts, notify us at [website support email or contact]. We assure you that your Personal Information is not made public or sold to third parties.

 

Users have the option to erase any provided information, including Personal Information. If you choose this option, we will delete all stored User information from our servers.

 

Customer Information

 

We store customer information such as address, mobile number, Third Party Wallet details, Card Details, and email addresses used for payments through our checkouts. Information is shared with respective businesses only when customers choose to share it. We are not liable for any misuse of this information by businesses or related individuals.

 

Activity

 

We record information related to your usage, including searches, viewed pages, browser type, IP address, location, URLs, referral URLs, and timestamps. This information is used to administer our services, enhance security and service levels, and perform statistical analyses of user behavior and interests in different areas. Aggregate information is used for these analyses and does not identify individuals.

 

We own all intellectual property rights associated with the Website and its contents. No rights, title, or interest in downloaded material transferred to you. The Website is protected by copyright as a collective work and/or compilation under applicable law.

 

Our logos, product names, service marks, trademarks, copyrights, and other intellectual property (“Our IP”) are exclusively owned by us. You agree not to display or use Our IP without our prior written permission. Nothing on this Website or its content grants any license or right to Our IP without our express written permission.

Cookies

 

We use cookies to uniquely identify your browser and improve our service quality. “Cookies” are small pieces of information sent to your computer’s hard drive while you view a website. We use session cookies (expire when you close your browser) and persistent cookies (remain until deleted). Follow your browser’s help file to delete persistent cookies. Disabling cookies may affect functionality. Third-party tools may collect anonymous information about your visits using cookies and interact with our products/services. These tools do not collect Personal Information and do not have access to User information.

 

Enforcement

 

We may use collected information (including Personal Information) to investigate, enforce, and apply our terms and conditions and Privacy Policy.

 

Transfer of Information

 

We do not share Personal Information except with financial institutions like banks, RBI, or regulatory agencies as required, to provide services, conduct quality assurance, create accounts, provide technical/customer support, or specific services per your instructions. Third parties are required to use Personal Information only for requested services.

 

We may share Personal Information with our parent company, subsidiaries, joint ventures, or other affiliated companies (collectively, “Affiliates”) present or future, who must comply with this Privacy Policy. If our company is acquired, your Personal Information will be transferred with our assets and handled per this Privacy Policy. We may disclose Personal Information to third parties if reasonably necessary to (a) address suspected illegal activities; (b) enforce our terms and conditions and Privacy Policy; (c) comply with legal processes like warrants, subpoenas, statutes, or court orders; or (d) protect our rights, reputation, property, or that of Users, Affiliates, or the public. We’re not obligated to contest any government requests.

 

We may disclose aggregate information about User behavior to third parties for business relationships, such as advertisers and content distributors. For example, we may disclose User numbers exposed to, or clicked on, advertisements.

 

Links

 

References to third-party names, marks, products, services, or hyperlinks on this Website are for convenience and don’t imply endorsement, sponsorship, or recommendation by us. We don’t share Personal Information with these third parties and aren’t responsible for their privacy practices. Review their privacy policies on third-party websites.

User Access to Personal Information

 

As a registered user, access the “Account” section to modify some Personal Information and privacy preferences.

 

Security

 

Your account is password-protected. We use industry-standard measures to secure Personal Information in our database. We follow best practices for information security, detailed on our website. Access to your Personal Information is limited to employees and contractors needing it for their jobs, such as customer service. Questions about security, contact us at [disclosures email or contact].

 

You acknowledge that we are not liable for intercepted internet information and release us from claims related to unauthorized information use.

 

Terms and Modifications to Privacy Policy

 

Our Privacy Policy may change without notice. Review it periodically for updates. Changes apply immediately. You’re responsible for updating your Personal Information, including providing your current email address.

 

To decline changes in Personal Information use, promptly deactivate your account. Continued use after changes indicates acceptance and agreement to new terms.

 

Applicable Law

 

Your Website use follows Indian laws. Any legal action related to your use may be in Bengaluru, India courts/tribunals. You agree to their jurisdiction.

 

Complaints and Grievance Redressal

 

Provide feedback, complaints, or questions to record Personal Information and content for effective response. For privacy-related complaints, or rights/disputes during Website use, contact the Grievance cum Nodal Officer via writing or a grievance ticket hyperlink provided.