PayCR - Privacy Policies

1. SCOPE

This internet resource, www.paycr.com, and the application titled "PayCR" ("Application") is owned and hosted by Mediwin Laboratories Next, having its registered office at PLOT NO. 20, VITA ENCLAVE, DHULKOT, AMBALA CITY- 134003, under the trade name "PayCR" (hereinafter referred to as "PayCR", which also includes PayCR's affiliates, successors, and assigns). PayCR is committed to protecting the User’s information and privacy. PayCR enables Users to make various online payments and transfers, including but not limited to bill payments, merchant payments, and personal transfers through the Application ("Services"). Users agree to take full responsibility for the Transactions made on the platform with respect to the nature of the transaction, beneficiary, and the tax implications pertaining to the same. For the purposes of this Privacy Policy, a "Transaction" means a payment instruction that results in the successful transfer of funds from a User to a payee.
This Privacy Policy is designed to help the User understand how PayCR may collect, process, store, and use the information provided by the User to PayCR and to assist the User in making informed decisions while using the Application and the Services.
The capitalized terms used in this Privacy Policy, but not defined herein, shall have the meanings given to such terms in the Terms of Service available at [●].
The privacy of the personal information and data of the Users is paramount to PayCR. To better protect such privacy, PayCR has hereunder set out its privacy policy in relation to the Application (hereinafter referred to as the "Privacy Policy"). This Privacy Policy describes how PayCR will collect, receive, store, use, deal with, handle, manage, process, provide access to, share, disclose, protect, and analyze the User Information (as defined below). Please read this Privacy Policy before using the Application or submitting any personal information.
This Privacy Policy has been published inter alia in compliance with the provisions of the Information Technology Act, 2000 and the rules and regulations made thereunder (including, but not limited to: (i) The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011; and (ii) The Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021).

2. CONSENT TO THIS POLICY AND CHANGES IN POLICY

By accessing and using our website, the user (“User”) expressly gives PayCR consent to collect, receive, store, use, deal with, handle, manage, process, provide access to, share, disclose to and analyze the User Information in the manner set forth in this Privacy Policy. If the User does not agree to the terms of this Privacy Policy, please do not use or access the website.
By accessing the website or by otherwise providing any User Information, each User will be deemed to have read, understood, and agreed to the terms and conditions outlined in the Privacy Policy and agree to be bound by the Privacy Policy. This Privacy Policy supersedes all previous oral and written terms and conditions (if any) communicated to a User, relating to the use of / accessing the website.
PayCR may, at any time, change, modify, add, or delete any terms of the Privacy Policy, at its sole discretion, without advance notice. Any such change, modification, addition, or deletion of this Privacy Policy or any terms thereof shall be published on the website to enable User(s) to review the same. Provided that apart from such publication, PayCR shall be under no obligation to inform or intimate the User(s) of any such change, modification, addition, or deletion.

3. LINKS TO THIRD PARTY WEBSITES

The procedures and practices set forth in this Privacy Policy describe the use and disclosure of User Information collected by PayCR. The Application and/or other platforms of PayCR, as available, may contain links to other websites. Any personal information about the User collected whilst visiting such websites is not governed by this Privacy Policy. The User is encouraged to exercise caution and review the privacy policies applicable to such websites before accessing them. The User acknowledges that PayCR shall not be responsible for and has no control over the practices and content of any website accessed using the links contained on the Application.

4. COMPETENCY TO CONTRACT

By agreeing to this Privacy Policy, a User (which such User is a natural Person) represents that the User is at least the age of majority i.e. 18 years, and is competent to contract. Additionally, where the User is registering on behalf of, and is the authorized representative of, a company, partnership, or any other legal entity, such User has been duly authorized by such entity and is permitted under applicable laws to accept these Terms. In case the User is a natural person who is not of the age of majority or is not competent to contract, the User may not use the Application and/or the Services, or provide any information to PayCR.

5. INFORMATION COLLECTION

PayCR collects two basic types of information from a User in conjunction with a User’s use of the Application i.e. personal information, which is any information that exclusively identifies a User (e.g., the User’s name, address, email address, financial information like bank account details, identification information amongst others) and non-personal information, which is information that does not exclusively identify a User but is related to the User nonetheless such as, information about a User’s interests, demographics, and use of the Application. PayCR may also receive personal information regarding a User as shared by third parties who may be PayCR’s clients or otherwise avail Service from PayCR.
When the User accesses the Application to make Transactions, PayCR may collect information about the Transaction, as well as other information associated with the Transaction such as amount sent or requested, amount paid for products or services, payee information, including information about any funding instruments used to complete the Transaction, device information, technical usage data, and geolocation of the User.

6. USE OF INFORMATION

The information we collect is used for the following purposes:
• To Provide Services: To manage your account, to provide and deliver services you request, and to process and complete transactions.
• To Improve Services: To understand and analyze the usage trends and preferences of our users to make our services better, develop new features, and improve the functionality and user-friendliness of our services.
• To Communicate: To communicate with you directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the webste, and for marketing and promotional purposes.
• For Security: To monitor and verify identity or service access, combat spam or other malware or security risks.
• Compliance: To enforce compliance with our Terms of Service and applicable law. This may include developing tools and algorithms that help us prevent violations.

7. DATA SECURITY

PayCR takes the security of your data very seriously. We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. These include:
• Data Encryption: Using SSL technology to encrypt data during transmission.
• Secure Servers: Hosting data in secure server environments that use firewalls and other advanced technology to prevent interference or access from outside intruders.
• Access Controls: Limiting the access to personal information to those employees, contractors, and agents who need to know this information in order to operate, develop, or improve our services.
Despite these measures, the transmission of information via the internet is not completely secure and we cannot guarantee the security of your personal data transmitted to our site.

8. USER RIGHTS

You have certain rights with respect to your personal data, including those set forth below:
• Access: You have the right to access the data we hold about you.
• Modify: You can also ask us to correct or update your personal data.
• Delete: You have the right to request that we delete your personal data from our systems.
• Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.
Please note that these rights are not absolute, and restrictions apply. If you wish to exercise any of these rights, please contact us using the information below.

9. CHANGES TO THIS POLICY

PayCR reserves the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.
If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

10. CONTACT INFORMATION

Questions about the Privacy Policy or the information practices of our services should be directed to PayCR’s Privacy Officer by emailing at contact@paycr.in or by mailing us at:
PayCR
PLOT NO. 20,
VITA ENCLAVE,
DHULKOT
AMBALA CITY- 134003