The terms "We" / "Us" / "Our"/”Company” individually and collectively refer to ForPay Powered by Rechapi Private Limited and the terms "You" /"Your" / "Yourself" refer to the users.

• This Privacy Policy is an electronic record in the form of an electronic contract formed under the information Technology Act, 2000 and the rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the information Technology Act, 2000. This Privacy Policy does not require any physical, electronic or digital signature.
• This Privacy Policy is a legally binding document between you and ForPay Powered by Rechapi Private Limited (both terms defined below). The terms of this Privacy Policy will be effective upon your acceptance of the same (directly or indirectly in electronic form, by clicking on the I accept tab or by use of the website or by other means) and will govern the relationship between you and ForPay Powered by Rechapi Private Limited for your use of the website “Website” (defined below).
• This document is published and shall be construed in accordance with the provisions of the Information Technology (reasonable security practices and procedures and sensitive personal data of information) rules, 2011 under Information Technology Act, 2000; that require publishing of the Privacy Policy for collection, use, storage and transfer of sensitive personal data or information.
• Please read this Privacy Policy carefully by using the Website, you indicate that you understand, agree and consent to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use this Website.
• By providing us your Information or by making use of the facilities provided by the Website, You hereby consent to the collection, storage, processing and transfer of any or all of Your Personal Information and Non-Personal Information by us as specified under this Privacy Policy. You further agree that such collection, use, storage and transfer of Your Information shall not cause any loss or wrongful gain to you or any other person.

• To avail certain services on our Websites, users are required to provide certain information for the registration process namely: - a) your name, b) email address, c) sex, d) age, e) PIN code, password etc., and / or your occupation, interests, and the like. The Information as supplied by the users enables us to improve our sites and provide you the most user-friendly experience.
• All required information is service dependent and we may use the above said user information to, maintain, protect, and improve its services (including advertising services) and for developing new services
• Such information will not be considered as sensitive if it is freely available and accessible in the public domain or is furnished under the Right to Information Act, 2005 or any other law for the time being in force.
• Information obtained from your mobile device by way of using our app like device location, communication information including phone number, SIM Serial Number, contacts and call logs, device information (including storage, model, Network Carrier information), transactional and promotional SMS/app notifications
• Access to your mobile camera device for the functioning of many in-app functionalities for recording video including, but not limited to video KYC process and scan & pay etc.
• Access to the microphone to record audio for carrying out video KYC process and voice typing etc.
• Access to files from your mobile device such as audio, video files for the functioning of many in-app functionalities including, but not limited to in-app chat

• Contact List: We collect our users app contact details for better user app expereice and we are bound to not to share these contact details with any Third Party . We mainly do this to reduce wrong number recharge . We will try to show name of of number which you trying to recharge to verify if you doing correct recharge or not . You will always have option to Reject Contact Permission if you don't want us to save your contact list in our database

• Any Personal Data that we have access to shall never be shared without your consent.
• In various processes / submission of applications / availment of product / service offerings, we even seek your explicit consent to use / share your Personal Data.
• In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers.
• We may process, store and retain your Personal Data on our servers where the data centers are located, and/or on the servers of third parties having contractual relationships with us. All Sensitive Personal Data is stored in India. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force.
• We will share your data with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:
  1. For enabling the provision of the products / services availed by you, strictly on a “need to know” basis and subject to applicable laws.
  2. Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.
  3. Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.
  When you make purchases through our services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, billing information and payment preferences. This information may be shared with third-parties which assist in processing and fulfilling your requests, including Payment Card Industry (PCI) compliant payment gateway processors, and for providing you with products / services to better serve your needs and interests. Such sharing shall be in accordance with your instructions and subject to appropriate confidentiality and security requirements.
  

1. To facilitate the transactions or report on these transactions;
2. To undertake research and analytics for offering or improving our products / services and their security and service quality;
3. To check and process your requirements submitted to us for products / services and / or instructions or requests received from you in respect of these products / services;
4. To share with you, updates on changes to the products / services and their terms and conditions including platform’s terms and conditions;
5. 5. To take up or investigate any complaints / claims / disputes;
6. To respond to your queries or feedback submitted by you;
7. To verify your identity for us to provide products / services to you;
8. To carry credit checks, screenings or due diligence checks as lawfully required by us;
9. To monitor and review products / services from time to time;
10. To undertake financial / regulatory / management reporting, and create and maintain various risk management models;
11. To conduct audits and for record keeping purposes;
12. To enable us to show you advertisements which are relevant to you and your interests, selective offers and promotions, search results, location-based services;
13. To auto populate such third party pages basis your click on advertisement instances on our website and your proceeding to such pages;
14. To comply with the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us;
15. To undertake any measure to provide medical treatment or health services to you during an epidemic, outbreak of disease or any other threat to public health or to ensure your safety, or to provide assistance or services to you during any disaster or any breakdown of public order.

• To improve the responsiveness of the sites for our users, we may use "cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user's individual interests using the Identified Computer. Unless you voluntarily identify yourself (through registration, for example), we will have no way of knowing who you are, even if we assign a cookie to your computer. The only personal information a cookie can contain is information you supply (an example of this is when you ask for our Personalised Horoscope). A cookie cannot read data off your hard drive. Our advertisers may also assign their own cookies to your browser (if you click on their ads), a process that we do not control.
• Our web servers automatically collect limited information about your computer's connection to the Internet, including your IP address, when you visit our site. (Your IP address is a number that lets computers attached to the Internet know where to send you data -- such as the web pages you view.) Your IP address does not identify you personally. We use this information to deliver our web pages to you upon request, to tailor our site to the interests of our users, to measure traffic within our site and let advertisers know the geographic locations from where our visitors come.

• Our policy discloses the privacy practices for our own web site only. Our site provides links to other websites also that are beyond our control. We shall in no way be responsible in way for your use of such sites.

We shares the sensitive personal information to any third party without obtaining the prior consent of the user in the following limited circumstances:

1. When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms; for complying with the applicable laws and regulations.
2. We proposes to share such information within its group companies and officers and employees of such group companies for the purpose of processing personal information on its behalf. We also ensure that these recipients of such information agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.
3. We collect our users app contact details for better user app expereice and we are bound to not to share these contact details with any Third Party .

• We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.
  All information gathered on our Website is securely stored within our controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. And, of course, any information you include in a posting to the discussion areas is available to anyone with Internet access.
• However the internet is an ever evolving medium. We may change our Privacy Policy from time to time to incorporate necessary future changes. Of course, our use of any information we gather will always be consistent with the policy under which the information was collected, regardless of what the new policy may be.

Redressal Mechanism: Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to ForPay Powered by Rechapi Private Limited ("Grievance Officer").