Introduction
Hindon Mercantile Limited (MufinPay) acknowledges the importance of protecting your personal, financial, and transaction information. We assure you that the information made available to us will be kept in strict confidentiality, and we will use the information only to help us service your account better, provide you with products and services that you may have requested, and inform you about other products and services that may be of interest to you. We do not sell your personal information to third parties. Hindon Mercantile Limited (MufinPay) shall protect the personal details received from you with the same degree of care to prevent the unauthorized use of the information as we protect our own confidential information of alike nature.
The information collected from you will be used in the right spirit and context in which it is intended to be used. Under certain circumstances, Hindon Mercantile Limited (MufinPay) may be required to share the information with third parties, where we feel, they can contribute to adding value and improving the quality of services provided by us to you. Hindon Mercantile Limited (MufinPay) shall take all reasonable steps to ensure that the confidentiality of your information is maintained by MufinPay strict confidentiality requirements on all the third parties with whom we may part with the information. We may also use third-party cookies for the same. Hindon Mercantile Limited (MufinPay) also has to share your personal information wherever it is required to be disclosed under law to any governmental/statutory agency or regulatory bodies.
Information We Collect or Receive About You
We need to collect or receive information about you to provide you with the services or the support you request. The type of information can vary depending on the country from which you access our services. Additionally, you can choose to voluntarily provide information to us.
User Data Deletion Request
You have the right to request the deletion of your data. Please contact us using the details provided at the end of this Privacy Policy if you wish to exercise this right.
Information You Provide
We collect or receive information about you when you use our MufinPay App and/or Services, including:
- Identification Information: Your name; email address; mailing address; mobile/phone number; photograph; birthdate; passport, driver’s license, PAN, or other government-issued identification; or other historical, contact, and demographic information when you apply, use, or sign up for a MufinPay MufinPay App and/or other Services, signature, and authentication credentials (for example, information you use to log in to your account), including IP address.
- Financial Information: Information such as bank account, payment card numbers, credit reports, and other publicly available information.
- Tax information: PAN details.
- Transaction Information: When you use our MufinPay App and/or Services to make, accept, request, or record payments, we receive information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
- Other Information You Provide: Information that you voluntarily provide to us, including any survey responses; participation in contests, promotions, or other prospective seller marketing forms or devices; suggestions for improvements; referrals; or any other actions performed on the services.
Information We Collect or Receive from Your Use of our MufinPay App and/or Services
We collect or receive information about you and the devices you use to access the MufinPay App and/or Services, such as your computer, mobile phone, or tablet. The information that we collect or receive includes:
- Business Information: Information about products and services you sell (including inventory, pricing, and other data) and other information you provide about you or your business.
- Customer Information: Information you collect from your customers, including email address, phone number, payment information, or other information.
Information We Collect or Receive from Other Sources
We also collect or receive information about you from third parties, including:
- Identity Verification: Information from third-party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources. In some circumstances, where lawful, this information may include your government-issued identification number.
- Background Information: To the extent permitted by applicable laws, we may obtain background check reports from public records of criminal convictions and arrest records. We may use your information, including your full name, government-issued identification number, and date of birth, to obtain such reports.
- Credit, Compliance, and Fraud: Information about you from third parties in connection with any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.
HOW WE USE YOUR INFORMATION
We may use information about you for MufinPay, including:
- Providing, Improving, and Developing our services
- Determining whether the services are available in your country;
- Processing or recording payment transactions or money transfers;
- Otherwise providing you with the MufinPay products and features you choose to use;
- Displaying your historical transaction or appointment information;
- Providing, maintaining, and improving our services;
- Developing new products and services;
- Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages including to resolve disputes, collect fees, and provide assistance for problems with our Services or your MufinPay account;
- Improving, personalizing, and facilitating your use of our services;
- Measuring, tracking, and analyzing trends and usage in connection with your use or the performance of our services.
Communicating with You About our Services
- Sending you information we think you may find useful or which you have requested from us about our products and services;
- Conducting surveys and collecting feedback about our Services.
Protecting our Product and Services and Maintaining a Trusted Environment
- Investigating, detecting, preventing, or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf;
- Protecting our, our customers’, or your customers’ rights or property, or the security or integrity of our services;
- Enforcing our Terms of Use or other applicable agreements or policies;
- Verifying your identity (e.g., through government-issued identification numbers);
- Complying with any applicable laws or regulations, or in response to lawful requests for information from the government or through legal process;
- Fulfilling any other purposes disclosed to you in connection with our services;
- Contacting you to resolve disputes, collect fees, and provide assistance with our services.
Advertising and Marketing
- Communicating with you about opportunities, products, services, contests, promotions, discounts, incentives, surveys, and rewards offered by us and select partners;
- If we send you marketing emails, each email will contain instructions permitting you to “opt out” of receiving future marketing or other communications.
Other Uses
- For any other purposes disclosed to you in connection with our services from time to time.
HOW WE SHARE YOUR INFORMATION
We may share information about you as follows:
With Other Users of our Services with Whom You Interact
With other users of our services with whom you interact through your own use of our Services. For example, we may share information when you make or accept a payment, appointment, or money transfer using our services.
With our Affiliates
With our group companies and corporate affiliates, for the purposes outlined herein.
With Third Parties
- With third parties to provide, maintain, and improve our services, including service providers who access information about you to perform services on our behalf (e.g., fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, credit bureaus, partners providing services on MufinPay behalf, and other entities in connection with the services;
- With third parties that run advertising campaigns, contests, special offers, or other events or activities on our behalf or in connection with our services.
Business Transfers and Corporate Changes
- To a subsequent owner, co-owner, or operator of one or more of the services; or
- In connection with (including, without limitation, during the negotiation or due diligence process of) a corporate merger, consolidation, or restructuring; the sale of substantially all of our stock and/or assets; financing, acquisition, divestiture, or dissolution of all or a portion of our business; or other corporate change.
Safety and Compliance with Law
If we believe that disclosure is reasonably necessary
- To comply with any applicable law, regulation, legal process or governmental request (e.g., from tax authorities, law enforcement agencies, etc.);
- To enforce or comply with applicable agreements or policies;
- To protect our or our customers’ rights or property, or the security or integrity of our Services; or
- To protect us, users of our services or the public from harm, fraud, or potentially prohibited or illegal activities.
With Your Consent
For example:
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- At your direction or as described at the time you agree to share;
- When you authorize a third-party application or website to access your information.
Aggregated and Anonymized Information
We also may share (within our group of companies or with third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our services.
HOW LONG WE RETAIN YOUR INFORMATION
We generally retain your information as long as reasonably necessary to provide you the services or to comply with applicable law. However, even after you deactivate your account, we can retain copies of information about you and any transactions or services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations, or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our services, to assist with investigations, to enforce our Terms of Use or other applicable agreements or policies, or to take any other actions consistent with applicable law.
User Data Deletion Request:
You have the right to request the deletion of your data. Please contact us using the details provided at the end of this Privacy Policy if you wish to exercise this right.
Force Majeure:
Hindon Mercantile Limited (MufinPay) will not be held liable for any loss, damage, or misuse of the Personal Information of the users due to a Force Majeure Event. A “Force Majeure Event” for the purpose of this Privacy Policy shall mean any event that is beyond the reasonable control of Hindon Mercantile Limited (MufinPay) and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage device, computer viruses breach of security and encryption or any other cause beyond the control of Hindon Mercantile Limited (MufinPay).
Does Hindon Mercantile Limited (MufinPay) use “cookies”?
A “cookie” is a small data file that a website can send to your web browser and store on your computer or Mobile Device. Hindon Mercantile Limited (MufinPay) uses a cookie only for the purpose of identifying the language (e.g., English) that you have selected for your browser sessions on your computer or Mobile Device. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to use all the features of the Services or the Hindon Mercantile Limited (MufinPay) Website. This Privacy Policy does not apply to third-party cookies or other tracking technologies, and Hindon Mercantile Limited (MufinPay) has no responsibility for them. If you are concerned about them, please check the privacy policies of the third-party sources of these cookies and other tracking technologies.
Third Party Sites:
Hindon Mercantile Limited (MufinPay) shall take all precautions to maintain the confidentiality of personal and sensitive information/data pertaining to its customers/users and business associates by imparting proper training to its employees and by providing restricted access to persons who may require access to such data strictly on a need-to-know basis. Hindon Mercantile Limited (MufinPay) maintains reasonable physical, electronic, and procedural safeguards to protect the security of your Personal Information. These safeguards include encrypted storage of some of your Personal Information and limiting third-party decryption of Personal Information to that which is reasonably desirable or appropriate to provide the services. Hindon Mercantile Limited (MufinPay) uses firewalls and other security technology to protect its network and systems from external attack, and by requiring you to enter a unique username, password, and PIN to access or update your Personal Information. All users must enter their PIN when confirming changes to their Personal Information or executing transactions.
Updates and Changes to Privacy Policy:
Hindon Mercantile Limited (MufinPay) reserves the right to change the data privacy practices and update this privacy statement as and when the need arises, and the same will be made available on the website. By using/accessing/ registering Hindon Mercantile Limited (MufinPay) services users are deemed to have agreed to the terms of this Privacy Policy. This Privacy Policy should, at all times, be read along with the Terms and Conditions and the policies of Hindon Mercantile Limited.
Disputes:
Any dispute arising out of this privacy policy or an arrangement shall be governed and construed in accordance with the Terms and Conditions of Hindon Mercantile Limited (MufinPay) and will be subject to the exclusive jurisdiction of the competent Courts at New Delhi.
Contact:
In case of any questions or comments about this Privacy Policy please contact us by email to care@mufinpay.com