Introduction

This website is owned and operated by Roopay Pte Ltd. ("Roopay") a company providing payment gateway services and enabling ecommerce, marketing and payment processing, with various subsidiaries including an Indian subsidiary Sanaroo Payment Solutions Pvt. Ltd. (SPS). We understand that you care about how your information is used and shared when you enter it on our websites or mobile app under the brand name “payoye” or www.payoye.com and this notice describes our privacy policy.

SPS respects each individual's right to personal privacy. We will collect and use information through our website or mobile app including registration forms, inquiry forms, product transaction forms, mobile and API services only in the ways disclosed in this statement.

SPS is committed to maintaining the principles of transparency, accountability and choice regarding the collection and use of your personal information.

Part I. Information collection

SPS collects information through its website or mobile app and related ecommerce services at several points.

• We also collect user registration data such as name, email address, phone number and address when merchants, users or affiliates register to use SPS’s payment platform by means of voluntary submission forms for the purpose of providing such users with our services. Information is also collected from online forms completed by people wishing to learn more about the SPS product or from emails sent to SPS.
• SPS also collects personal and payment information from online transaction forms including those generated through SPS APIs and completed by end users, merchants or customers using SPS’s Payment Platform services to buy products, subscriptions and services ("Products") from product suppliers charging for their products through SPS Payment Platform.

Tracking Technologies

• SPS employs cookies. A cookie is a small text, graphic or flash file that our web servers place on a user's computer hard drive or other web-based device to act as a unique identifier. Cookies may also enable SPS to automatically login a user back to our services provided he/she choose to enable such option. SPS cookies do not have an expiration date. Our cookies may collect personally identifiable information, including the username and password to support optional automatic logon. Cookies may also be used to identify and track transactions introduced by recognized SPS affiliates and also to support optional choices by users to save and make available for reuse certain payment information for future transactions. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
• Technologies such as: cookies, beacons, tags and scripts are used by SPS and our marketing partners, merchants, affiliates, or analytics or service providers, including online customer support providers, online transaction processors. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
• Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.
• As is true of most web sites, we gather certain information automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may link this automatically collected data to other information we collect about you.

Part II. Information usage

• The information collected by Roopay Pte Ltd will be used by SPS in conjunction with the terms specified in this document. Users who provide information may receive email announcements regarding SPS's services from time to time.
• SPS will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties.
• Registered product suppliers may receive additional announcements from SPS about transactions generated through SPS services, instant notifications, SPS service changes, revisions and updates, affiliate product opportunities, services, legal notices, special offers, and a newsletter.
• SPS may also use personal information to provide announcements about functions or services that users are registered to use, about any user account they may create, about fulfillment of a specific transaction that may be requested, or about other significant developments that may affect use of the Site and or Payment services. Users cannot normally opt-out of this kind of email communication.
• Information we collect from customers may be used to create online invoices, transaction confirmation notices, delivery of licenses, access keys and product download files and associated documentation, subscription accounts, instant notifications relating to such transactions, refunds and refund notices, warranty and dispute records, and customer profiles based on browsing or purchasing history. As SPS is acting as payment service provider, merchant and/or reseller for product suppliers we need to share relevant customer information with the specific product supplier involved in the transaction in order for them to fulfill the transaction. Such information, if provided to product suppliers, is supplied on the condition that it should not be used for spamming or direct marketing by another party.
• Out of respect for the privacy of our Customers we present the option to opt out of any mailing lists operated by SPS as set out in the Opt Out section of this policy.

Payment data

Personal payment information such as credit card numbers, bank account information, name, email address and phone number is collected and passed on to authorized payment processors in order to make payments sanctioned by SPS customers. Such information is handled through industry standard secure protocols such as SSL and where appropriate in accordance with relevant Payment Card Industry (PCI) compliance standards. Such information may also be passed when making payment via SPS through mobile devices.

Such data may also be encrypted and securely stored by SPS in accordance with PCI standards. When expressly directed and approved by a customer it may be used to generate recurring or new transactions as requested by such customer. Transaction details may also be passed to relevant taxation authorities in respect of sales taxes, VAT, withholding tax, and other relevant taxes and duties.

Service providers

We use other third parties such as a service provider to provide you with support when using our site and including the use of live chat software. When you sign up for our services we will share your personal information only as necessary for the third party to provide that service.

Affiliate tracking information

Certain product transactions may have taken place following a valid referral by a recognized affiliate introduction. In such cases basic non-personal information about the transaction will be tracked and passed to the relevant affiliate so that their role in the sale can be recorded and any due affiliate commission paid over at the relevant time.

Forums and Group Boards

The SPS website or mobile app may offer forums and message boards. Please be advised that information voluntarily posted in these venues becomes public knowledge. To request removal of your personal information from our blog or community forum, contact us at privacypolicy@payoye.com In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

External links

We offer links to other websites including those of product suppliers. Please note: when clicking on links to other websites, we encourage you to read their privacy policies. Their standards may differ from ours.

Social Media Widgets

Our Web site or mobile app includes Social Media Features, such as the Facebook and Twitter buttons and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Compliance with court orders & law enforcement agencies

SPS may disclose personal information without notification in order to comply with a legal requirement, court order or subpoena, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others or investigate fraud or to cooperate with law enforcement or government agencies.

Merger, sale and/or transfer of corporate assets or reorganization

SPS may transfer information as part of any corporate merger, sale, acquisition, transfer or assets or reorganization without notice. Such transfer will be on the basis of the continuation of all privacy rights set out in this document. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Changes in this policy & notification

SPS reserves the right to change this policy as and when it sees fit. If our policy on information collection or uses changes, we will advise you by posting a dated copy here or if you are a registered SPS user then you will also be advised via email. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this site prior to the change becoming effective.

Opt out process

Customers have the option not to be added to mailing lists operated by SPS. To exercise your opt out rights please send an email to us at privacypolicy@payoye.com requesting that your personal information be deleted from any mailing lists operated by Roopay. You may also follow the unsubscribe instructions contained in each of the emails you receive.

Part III. Access to information

Roopay Pte Ltd. maintains the accuracy of our information by providing users instant access to it and allowing updates to take effect immediately. Registered users may access their own personal information via our login pages, both for customers and merchants and update any inaccuracies they may find. Users may choose to remove their information from our database by contacting us over email at : privacypolicy@payoye.com . We will respond to your request at the earliest possible time.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal and tax obligations, resolve disputes, and enforce our agreements.

Part IV. Problem resolution

If problems arise, users and merchants may contact SPS by phone, email or mail, see here for more information. We are committed to resolving disputes within 10 business days.

Part V. Data storage and security

SPS protects user information both in our servers and on the users computer with the following industry standard security measures: registry data encryption, data file encryption, secure servers, firewalls, SSL encryption of sensitive information such as your payment information and other proprietary technologies and procedures used to protect consumer privacy. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any further questions about privacy or security, please contact us by sending an email to: privacypolicy@payoye.com