Welcome to PhyloPay
All through this policy, the use of “Personal Data” term is made to describe information that is related to a particular individual or organization, and can be utilized in the identification of that individual. Personal Data is not considered by us to incorporate information which has been anonymized, such that it doesn’t distinguish a particular user.
Collection of data/information
We happen to gather such information specific to you which is necessary to run our business and to empower us to deliver and better our Services, and come up with newer products for you. We might collect the accompanying information about you:
Based on the Services opted for, we might ask you to provide your name, telephone number, residential address, email address, Taxpayer Identification, Adhaar details, or any other identification issued by the government. Also, we might need additional Personal Data from you, to confirm identification and verification.
Transaction related Information
We gather transaction specific and other related information like payment amount, transaction description, transaction date, and any merchant information comprising of device information, payment instrument information (the one used for transaction) and information about the geo-location.
We collect information about how you use our Services, including your access times, log-in and log-out information, browser types and language, Internet Protocol (“IP”) addresses, mobile device and operating system, any specific page you visit on our platform, content you view, features you use, the date and time of your visit to or use of the Services, your search terms, and date about how you interact with our Services.
We might collect device-specific information when you access our Services, including your hardware model, operating system and version, unique device identifiers, mobile network information, and information about the device’s interaction with our Services. We may also identify other software running on the device (but will not collect any content from such software) for anti-fraud and malware-prevention purposes.
Information from other sources
We also collect information about you from third parties relating to identity and account verification process, credit investigation, fraud detection process, or collection procedures, in addition to any publicly available information.
– You acknowledge and agree that in the interests of improving personalisation, offering new features in the existing services you are availing, offering new products/ services which may be relevant for you and Service efficiency, we may, under controlled and secure circumstances, share your Information with our affiliates or associates.
– We do not use your Information for marketing purposes unless we receive the express consent of the User.
– Information security is critical to us and we will not share your Information with any other third parties except, and only to the extent necessary, with parties such as our merchants, acquiring banks, credit card processors, etc. for us to deliver payment processing services to you.
– We do not share, disclose or distribute any of your Information to any third party unless required under an arrangement between Phylo and the third party for product enhancement, analysis, risk and security purposes, communication purpose, etc. For example, Phylo may, itself or through third parties, send you e-mails, SMS, such other means to communicate, send reminders for payment, advertise its services, promote new products and activities or for your invaluable feedback.
– Phylo does not control the acts of its Users. All Users should be aware that, when they disclose Information such as their name, e-mail address, etc. to third parties, the Information may be collected and used by others to send unsolicited e-mail from other parties, who may or may not be Users.
Usage of Cookies
We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Cookies help provide additional functionality to the Website and help us analyze Website usage more accurately. Through Cookies we can offer additional site functionality, and make sure that those who are most interested can find us online. For example, we may set a cookie on your browser that enables you to access this Website without needing to enter a password more than once during a single visit. Cookies also support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. Based on Website usage and browsing data we collect through Cookies, Phylo can also target specific promotions or advertisements directly related to your interest in us (see interest-based advertising above).
Cookies help us test different versions of our services to see which particular features or content users prefer. We might also optimize and improve your experience by using cookies to see how you interact with our services, such as when and how often you use them and what links you click on. We may use Google Analytics to assist us with this. Learn more about the cookies you may encounter through our use of Google Analytics.
Although no data transmission or storage can be guaranteed 100% secure and error free, Phylo takes great care to protect Personal Data collected via this Website from loss, misuse, and unauthorized access, disclosure, alteration, or destruction, in both transit and at rest. Access to user data is limited (via username/password authentication and 2-factor verification, among other safeguards) only to those employees who require it to perform their job functions. Connections to this Website are secured with an Extended Validation (EV) SSL certificate with 256-bit encryption, and our data centers boast enterprise-level security with top-level industry certifications and fault-tolerant, distributed systems.
For what duration does Phylo hold my personal data?
We will keep your Personal Data for as long as it remains necessary for the operation of the Website and Services or as required by law, which may extend beyond the termination of our relationship with you. However, even after you close 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 Service or other applicable agreements or policies, or to take any other actions consistent with applicable law.
Request changes to the collected information
If you are a User, and would like to view the information we have collected from you or you want to correct your information or details, please send us your request by email at email@example.com
The User can at any time while availing the services or otherwise, withdraw his/her consent given previously to Phylo for collecting, receiving, possessing, storing, dealing or handling Information of the User, by sending us your request by email. In such case, Phylo will unfortunately not be in a position to provide the Services to you. However, Phylo will be able to retain such Information for the time period in accordance with the applicable laws.
Complaints and Reach us