Our privacy policy is subject to change at any time without
prior notice. You are advised to review the policies periodically for any
changes. By downloading this app you agree to the terms and conditions of this
Privacy Policy given by the application. We will not be able to onboard
you in case you are not in agreement with the terms and condition. By
mere use of MOS Utility Private Limited, 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.
Collection of Personally Identifiable Information and
other Information:
When you use our application, we collect and store your
personal information provided by you from time to time. We do so to ensure that
you are provided a safe, efficient, smooth and seamless experience. This also
allows us to understand your needs and provide for services and features that
best suit them. We strive to provide for customizations on our application to
ensure that your experience is always safer and easier. This requires collection
of personal information to the extent necessary for achieving this purpose and
objective. You may please note that it is mandatory to register yourself in
order to use the app. And once you give us your personal information, you are
not anonymous to us. We may automatically track certain information about you
based upon your behaviour on our app to the extent we deem fit. If you choose to
transact on the app, we collect information about your transaction behaviour. We
collect some additional information, such as a billing address, details of
recipient or payer of the transaction, location, etc. which may be used for
providing better experience to you while using the App. If you choose to provide
information by way of messages on our message boards (as & when available)
and/or chat rooms or any other message areas or if you prefer to leave feedback,
we will collect that information you provide to us. We retain this information
as necessary to resolve disputes in terms of transactions and otherwise, where
needed, provide customer support and troubleshoot problems as permitted by law.
We collect personally identifiable information (email address, name, phone
number, Aadhar number etc.) from you when you register with us to create your
unique identification in terms of a Virtual Payment Address and/or any other
unique registration identification that is/shall be made available to our
customers.
Use of Demographic / Profile Data / Your Information
We use personal information to provide the services you
request. We use your personal information to resolve disputes; troubleshoot
problems; Send money, collect money; measure consumer interest in our products
and services and we may use this information to keep you apprised on any online
and offline offers, products, services, and updates that shall be made available
for use of our customers. We use the information thus obtained to customize your
experience; detect and protect us against error, fraud and other criminal
activity; enforce our terms and conditions which are an integral part of the use
of this application; and as otherwise described to you at the time of such
collection. 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 demographic information. MOS UTILITY PRIVATE
LIMITED uses the SMS platform for sending messages related to password reset,
Beneficiary addition, Maintenance Notification, Promotional offers for our
Agents etc.
Sharing of personal information:
We may disclose personal information if required to do so by
law or in the good faith belief that such disclosure is reasonably necessary to
respond to subpoenas, court orders, or other legal processes. We may disclose
personal information to law enforcement offices upon such requests, third party
rights owners or others in the good faith belief that such disclosure is
reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims
that an advertisement, posting or other content violates the rights of a third
party; or protect the rights, property or personal safety of our users or the
general public. We will share some or all of your personal information with
another business entity should we (or our assets) plan to merge with, or be
acquired by that business entity, or re-organization, amalgamation,
restructuring of business. Should such a transaction occur that other business
entity (or the new combined entity) will be required to follow this privacy
policy with respect to your personal information.
Security Precautions
Our app has stringent security measures in place to protect
the loss, misuse, and alteration of the information under our control and
follows the best practices in the industry in this regard. Whenever you change
or access your account information, it is through secure channels. Once your
information is in our possession we adhere to strict security guidelines,
protecting it against unauthorized access.
Your Consent
By using the app and/ or by providing your information, you
consent to the collection and use of the information you disclose on the app in
accordance with this Privacy Policy, including but not limited to Your consent
for sharing your information as per this privacy policy. If we decide to change
our privacy policy, we will post those changes on this page so that you are
always aware of what information we collect, how we use it, and under what
circumstances we disclose it.
Further Questions?
Please contact us regarding any questions regarding this
policy, at [email protected]
DATA SECURITY POLICY
User relationship and data security are part of important
offerings and we consider this as the most important asset of our business
model. We are committed to maintaining the confidentiality, integrity and
security of any personal information about our users. We are proud of our
privacy practices and the strength of our App and site security and want you to
know how we protect your information and use it to provide you with the best
possible service. Our privacy and security standards enable us guard against
identity theft and provide security for user profile and transactional history.
We constantly re-evaluate our privacy and security policies and adapt them to
meet data security standards and to deal with new challenges. Data Privacy We do
not and will not sell, rent or lease your personal information or transactional
history to any Third Parties for any revenue generation or profit making
activities. Privacy of Registration Data Your Registration Information including
fraud prevention control data elements like Device ID for auth, Lat Long for
txn, etc stored by us for preventions and is completely confidential and is not
shared with any external agency / individual at any cost and used for improving
your services. We use the registration details to analyse your information
consumption pattern and to offer better services and a better user experience.
We may share a Basic Profile (Mobile Number, Name etc) with the agencies
appointed by us to send out SMS & Email communications related to our Activities
and initiatives. We have ensured that these parties shall keep any Personally
Identifiable Information provided by us confidential and will not be initiating
any unsolicited communication messages to you. When you visit www.paynearby.inor
any other interface provided by the company, we may collect technical and
navigational information, such as browser type, IP address, pages visited, and
average time spent with us. This information may be used, for example, to alert
you to software compatibility issues, or it may be analyzed to improve our Web
design and functionality. We may use third party service providers to help us
analyze certain online activities. For example, these service providers may help
us measure the performance of our online campaigns or analyze visitor activity
our site. We may permit these service providers to use cookies and other
technologies to perform these services for optimisation of our platform. We do
not share any personally identifiable information about our customers with these
third party service providers, and these service providers do not collect such
information on our behalf. Our third party service providers are required to
comply fully with this Privacy and Security Policy. Disclosing Your Information
to Protect Our Rights or If Required By Law Notwithstanding the foregoing, MOS
Utility Private Limited reserves the right (and you authorize us) to share or
disclose your Registration Information and Account information when MOS Utility
Private Limited determines, in its sole discretion, that the disclosure of such
information is necessary to identify, contact, or bring legal action against
you. Since your data is yours, you can remove it at anytime you want. When you
request us to delete your account for the Service, your data will be permanently
expunged from our primary production servers and further access to your account
will not be possible. We will also promptly disconnect any connection we had
established to your Account Information. However, portions of your data,
consisting of aggregate data derived from your Account Information, may remain
on our production servers indefinitely. Your data may also remain on a backup
server or media. MOS Utility Private Limited team keeps these backups to ensure
our continued ability to provide the Service to you in the event of malfunction
or damage to our primary production servers. Cookies and Web Beacons Are Used To
Analyze Site Usage and Improve the Service. "Cookies" are alphanumeric
identifiers in the form of text files that are inserted and stored by your Web
browser on your computer's hard drive. MOS Utility Private Limited team may set
and access cookies on your computer to track and store preferential. We Comply
With CAN-SPAM Regulations for Our News letters. MOS Utility Private Limited team
sends only verified, opt-in e-mail newsletters, specifically requested by our
subscribers. Because we provide you the option of receiving our promotional
newsletters, MOS Utility Private Limited subscribers have the ability to opt-out
of receiving these newsletters by emailing us at given mail ID. We also will not
send users service-related emails which they do not have the ability to opt-out
of. Your Data Is Secure and Only Seen By You. Your data is yours and only you
(through your Registration Information) have access to your data on the Service.
We use a combination of firewall barriers, encryption techniques and
authentication procedures, among others, to maintain the security of your online
session and to protect your accounts and systems from unauthorized access. Our
servers are in a secure facility and access requires multiple levels of
authentication, including biometrics (hand print scan) procedures. Security
personnel monitor the system 7 days a week, 24 hours a day. Our databases are
protected from general employee access both physically and logically. All
Registration Information and Account Information is stored in an encrypted
database, and all backup drives and tapes are encrypted with different keys.
Contact Us If You Have Any Questions or Concerns If you have any questions,
comments, concerns or feedback regarding this Privacy and Security Policy, send
an email to [email protected]