Data Privacy Policy

Section 1 – What Data do We collect

Personal Data: For the purposes of this Privacy Policy, “Personal Data” means any information that relates to an individual, which directly or indirectly, in combination with other information Data Privacy Policy 4 available or likely to be available with Us, is capable of identifying such individual. Depending on who you are (e.g., a merchant, customer, cardholder, consumer, supplier or business partner) and how you interact with us (e.g., telephone, online or offline), we may collect, use, process, transfer and store different categories of Personal Data.

Pursuant to the above, We or Our Partners may collect information different categories of Personal Data. These could typically be:

• Name and Contact Information such as: Name, user ID, age, Telephone/mobile Number, Email Address, Address (es)
• Financial Information such as: Your payment details, Personal bank account numbers, card information, UPI details etc.
• Payment/transaction information such as: card holder name, merchant name and category identifier, shopping and payment information like time, amount, goods purchased, other information provided by You directly or indirectly to Us or provided to Us by banks, merchants or other service providers or business partners
• Log Data such as: Your IP address, location, URL, timestamp information, device data, browsing data etc.; andIdentification information such as: Know Your Customer (KYC) documents such as Permanent Account Number (PAN), GST Number, etc.
• Any other information provided directly or indirectly to us such as account usernames and passwords, data collected via permissible cookies settings, promotion or marketing campaigns, customer service interaction data, etc.

If You send Us personal correspondence, such as emails or letters, We may collect such information into a file specific to You.

We may also collect, use and/or share non-personal data or anonymized data such as statistical or demographic data

Exception to Personal Data: If any information provided by You is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other Applicable Laws, such information shall not be regarded as Personal Data

1.1. We collect Personal Data directly from You in different ways on the Website when You voluntarily submit information such as name, email address, phone number, designation, and company name through the ‘Contact Us’ page of the Website. You may also choose to provide such information via other channels including email, sales partners, surveys, promotions, events, social media etc. By providing such information, the User explicitly consents to the collection, use, processing, sharing and storage of said data by Phi Data Privacy Policy 5 Commerce.

1.2. It is acknowledged and understood that Our Partners may collect Your information when You use Our Services and share with Us. This may include: when You scan a QR code to make payment to Our merchants in furtherance to which we receive Your Personal Data or if You are using one of Our payment products or applications; or enter a competition, promotion or survey or You agree to receive marketing materials to be sent by Us; or are prompted to give Us Your financial information, credit card related or identification information on Our web-checkout/payment pages or via other similar channels to complete a transaction

1.3. We collect Your Personal Data and payment information on our checkout/payment pages or similar channels in order for Us to complete transaction(s).

1.4. We or Our Partners may collect Your Personal Data for conducting fraud, bribery, money laundering or risk assessments etc.

1.5. As a merchant/client, You understand and acknowledge that We collect Personal Data from You when You directly register with Us for availing any products or services including initiating an account-based relationship with Us through the ‘Merchant Login’ page of Our Website. By providing such information, You explicitly consent to the collection and storage of said data and all other related data that may be collected or shared with us is governed by a separate Merchant/Business Agreement with you.

1.6. We may also collect Your Personal Data (e.g., Log Data) for analysis and improvement of Our Services.

URLs: In general, You can browse Our Website without telling Us who You are or revealing any Personal Data about yourself. Once We collect Your Personal Data, pursuant to Your use of Our Service, You are not anonymous to Us. Where possible, We indicate which fields are required and which fields are optional. You always have the option to not provide information for the fields that are optional. We may automatically track certain information about You based upon Your behavior on Our Website / Application. We use this information to do internal research on Our users’ demographics, interests, and behavior to better understand, protect and serve Our users. This information is compiled and analyzed on an aggregated basis. This information may include the URL that You just came from (whether this URL is on Our Website or not), which URL You next go to (whether this URL is on Our Website or not), Your browser information, and Your IP address.