Privacy Policy

02General

We do not sell personal information to third parties. We may share relevant information with banks, payment gateways, billers, BBPS participants, service providers, technology partners, agents, merchants and other parties where necessary to provide requested services, process transactions, resolve disputes, prevent fraud or comply with legal obligations.

We use your email address and mobile number for account-related communications, transaction notifications, security alerts, customer support, service updates and other communications relating to services you request. Promotional communications, where applicable, will be handled in accordance with applicable law and your communication preferences.

We may use aggregated or anonymised statistical information about website visits, transactions and service usage for analytical and operational purposes, provided the information does not identify individuals. We may disclose information to competent authorities or other parties where required by applicable law, lawful request, court order or regulatory direction.

03Personal Information

Personal information means information relating to an identified or identifiable individual that we collect or process in connection with our services. Depending on the services used, this may include:

• Name, address, mobile number and email address.
• Account registration, customer, agent and merchant identification details.
• KYC and verification information, where required.
• Bank account details, beneficiary names and IFSC codes for relevant payment and payout transactions.
• Transaction IDs, order IDs, payment references, transaction amounts, dates, statuses and settlement details.
• Wallet ledger information, including credits, debits, balances, refunds and reversals, where applicable.
• Bill payment information relating to supported categories such as utilities, education fees, insurance and FASTag recharges.
• Information needed to facilitate travel-related bookings or other services offered through our platform.
• Support communications, complaints and documents submitted to resolve transaction issues.
• Technical information such as IP address, browser type, device details, login activity and website usage data.
• When you browse our website, we may collect technical information such as the domain from which you access the internet, your IP address, browser information and aggregated website statistics. We seek to collect only information reasonably necessary for the relevant purpose, subject to applicable law.

04Use of Personal Information

We may use personal information to:

• Provide services and products requested by you.
• Register and manage customer, agent and merchant accounts.
• Facilitate bill payments, recharges, vendor payouts and other supported transactions.
• Maintain transaction records, wallet ledgers, settlements and account statements.
• Verify identity, bank details and beneficiary information where required.
• Resolve disputes, troubleshoot issues and provide customer support.
• Detect, investigate and prevent errors, fraud, unauthorised transactions and unlawful activities.
• Comply with applicable legal, regulatory, accounting, audit and reporting requirements.
• Measure service usage, improve our platform and enhance user experience.
• Send transaction updates, service notices, security alerts and policy changes.
• Send offers or promotional communications where permitted by law.
• Enforce our Terms and Conditions and protect the rights, property and security of the Company, users and partners.

We will not use personal information for an incompatible purpose unless permitted by applicable law or supported by the required consent.

05Do We Use Cookies?

Our website and digital platforms may use cookies and similar technologies to maintain sessions, remember preferences, support account functionality, improve performance and understand how users interact with our services.

We may use trusted service providers for analytics, performance monitoring and related technical functions, subject to applicable law. You can manage or disable cookies through your browser settings. If you disable cookies, some website features or services may not function properly. Where required by law, we will obtain consent before using non-essential cookies or similar technologies.

06We Use Cookies To

Cookies and similar technologies may be used to:

• Remember user preferences and maintain website sessions.
• Support account and website functionality.
• Help protect website security.
• Compile aggregated information about website traffic and interactions.
• Identify technical errors and improve platform performance.

You may disable cookies through your browser settings. Disabling certain cookies may affect the functionality, security or availability of some website features.

07Data Localisation and Storage (Payment and Settlement Systems Act, 2007)

Pulse Payment Technologies Private Limited recognises the importance of protecting payment-related information and complying with applicable Indian laws, regulatory requirements and Reserve Bank of India directions.

Where payment data localisation requirements apply to a payment system or service, payment data will be stored and handled in accordance with applicable requirements and directions, including relevant RBI requirements concerning payment system data storage.

The Company applies appropriate safeguards to transaction information and related records that it processes or maintains. Access is restricted to authorised personnel and relevant service providers or regulated partners as necessary for legitimate operational, security, compliance and service-related purposes.

Where our role, payment arrangements or applicable law require payment system data to be stored exclusively in India, we will comply with that requirement. Any permitted processing, access, transfer, backup or storage outside India will be handled in accordance with applicable law and regulatory directions. We maintain appropriate access controls and security measures to protect information against unauthorised access, misuse, alteration or disclosure.

08Your Rights Under the Digital Personal Data Protection Act, 2023

The Company is committed to handling personal data in accordance with applicable Indian data protection laws, including the Digital Personal Data Protection Act, 2023 and the rules and provisions in force from time to time.

Depending on the provisions in force and the circumstances, you may have rights to:

• Request information about personal data processed by us and relevant processing details available under applicable law.
• Request correction or completion of inaccurate or incomplete personal data.
• Request erasure of personal data where legally applicable, subject to mandatory retention and other lawful requirements.
• Raise grievances regarding the processing or handling of personal data.
• Nominate another individual to exercise applicable rights in the event of death or incapacity, in accordance with applicable law.

Where processing is based on consent, you may withdraw consent through the applicable channel. Withdrawal will not affect the lawfulness of processing carried out before withdrawal and may affect our ability to provide services that depend on the relevant information.

To exercise your rights or raise a grievance, contact our Grievance Officer using the details in the Grievance Redressal section. We will handle requests and grievances within the timelines prescribed by applicable law and may request reasonable information to verify your identity before acting on a request.

We will provide notices or obtain consent for material changes where required by applicable law.

09Links to Other Websites

Our website or digital platforms may contain links to third-party websites, applications or services, including banks, payment gateways, billers, insurance providers, travel service providers and other business partners.

These third parties may maintain separate privacy policies and terms of use. We do not control the independent privacy practices of third parties and are not responsible for their content or activities, except to the extent required by applicable law. We encourage you to review their privacy policies before providing information directly to them.

10Security

Pulse Payment Technologies Private Limited implements reasonable technical, organisational and operational security measures designed to protect personal information against loss, misuse, unauthorised access, alteration and disclosure.

Depending on the services and systems involved, safeguards may include restricted access, authentication controls, secure communications, monitoring, transaction records, backups and other appropriate measures. Access to personal information is limited to authorised personnel and service providers who require it for legitimate business, operational, security or compliance purposes.

No electronic transmission or storage system can be guaranteed to be completely secure. Where a personal data breach occurs, we will take appropriate steps to address it and provide notifications to affected individuals or authorities where required by applicable law.

11Consent

By using our website or services and providing personal information, you acknowledge the collection and processing of that information as described in this Privacy Policy, subject to applicable law.

Where consent is required, we will obtain it through an appropriate method. You may withdraw consent for processing based on consent by contacting our Grievance Officer or using an applicable withdrawal mechanism. Withdrawal may affect your ability to use services that depend on the relevant information. It does not affect processing lawfully carried out before withdrawal or processing otherwise permitted or required by law.

12Grievance Redressal

For privacy-related complaints, requests to exercise data protection rights or concerns regarding the handling of personal information, please contact:

Company Name: Pulse Payment Technologies Private Limited

Grievance Officer: Lankadasula Balaji

Email: support@payintime.in

Contact Number: 9966444826

Registered Office Address: Flat No. 202, Plot No. 119, Road No. 15B, Gopal Nagar Society, Hyderanagar, Hyderabad, Telangana, India – 500085

Please mention “Privacy Grievance” or “Personal Data Request” in the subject line and provide sufficient details for us to investigate your concern. Do not include passwords, PINs or OTPs. We will acknowledge and address grievances within the applicable timelines prescribed by law and follow our grievance-handling procedures.