LEARN MORE ABOUT OUR
We collect such information about you which is essential to operate our business and to enable us to deliver and improve our Services. We may obtain the following information about you and your device from which you avail Services
For providing Services we require certain information for registration such as your name, physical addresses, postal addresses, location, telephone, mobile and fax numbers; and certain information about your personal identity such as gender, age, photograph etc. For User Identification we may need your PAN card number, KYC related information such as videos or other online/ offline verification documents as mandated by relevant regulatory authorities, your business-related information. Aadhaar information including Aadhaar number or Virtual ID for the purposes of e-KYC/Offline KYC authentication with the Unique Identification Authority of India (UIDAI). Note that submission of Aadhaar information is not mandatory for e-KYC authentication, you can also use other types of information for completing your KYC. Further, we also collect and store your usernames, passwords, email addresses, OTP, your device details such as device identifier, internet bandwidth, mobile device model, browser plug-ins, and cookies or similar technologies that may identify your browser/ our application and plug-ins, and time spent, and IP address and other security-related information that you use for our Sites in relation to our Services.
Service Usage and Transactional Information: For enabling you to make payments using our Services, we may, upon your consent, collect, your financial information such as your bank account or details mentioned on your credit cards or debit cards, or other payment instrument details etc. that are required for a successful transaction. Further, for certain Services, including our bill payment service, we require your bill payment account information such as your account number, payment history, your account history with us etc. We also store transaction details such as amount spent, merchant name, transaction ID, date and time of the transaction, of your transactions. Further, we may also store information relating to your income, employment and lifestyle levels.
Correspondence Information: We collect the content, information about your correspondence, the destination/origin of communications between you and any other person using our Services, which include email communications, blog, chat room and discussion board communications, instant message communications, experts forum communications, facsimile mail communications, membership of mailing lists etc.
Stored Information: We may collect any data or information relating to you which is either created by you or by a third party while availing various ShopSe services, or data which you wish to store on our servers such as usernames, image files, documents, etc. or which may be required to display information to you through our Service.
One Time Password ('OTP'): OTP is a one-time password which is provided by your issuing bank in order to carry out the second-factor authentication of your debit/credit card. If you opt for our 'one tap' feature, you understand that we will be able to retrieve your OTP from the message received on your mobile and populate and submit the OTP on the issuer's page for second factor authentication of your debit/credit card.
Information from other sources: We collect information about your navigation using our Services, for example, the URLs of websites from which you reach our Site, websites or pages of merchants you visit using our Services. Further we may also collect certain information from your sms sent by alphanumeric senders. We and our service providers or business partners may also collect your Personal Information from third parties or information made publicly available including but not limited to:
a) credit score, financial history and other information for the purpose of verifying and authenticating a transaction request you place with us to prevent suspicious transactions, or to comply with court judgements and orders, from credit reference and fraud prevention agencies:
b) your demographic and photo information including but not limited to Aadhaar number, address, gender, and date of birth as a response received from UIDAI upon successful Aadhaar e-KYC/Offline KYC.
Information may be collected at various stages of your usage of the Sites such as:
visiting our Sites
registering on the Site as an “user” or “merchant” or any other relationship that may be governed by terms and conditions listed on the Site
transacting or attempting to transact on the Site
accessing links, e-mails, chat conversations, feedbacks, notifications sent or owned by ShopSe and if you opt to participate in our occasional surveys
otherwise dealing with any of the ShopSe affiliates / entities / subsidiaries / associates.
Purpose and use of information
We understand the importance of your Information and ensure that it is used for the intended purpose.
We require the profiling information which includes details such as identity details, contact details, usernames and passwords in order to manage our relationship with you, creation of your account and verification of your identity and access privileges and provide Services offered by us or services offered by merchants, third party service providers, our business partners or our subsidiaries, affiliates, associates.
To conduct the KYC compliance process as a mandatory prerequisite as per the requirements of various regulatory bodies, including UIDAI under the Aadhaar Act and its Regulations; to validate, process and/or share your KYC information with other intermediaries, Regulated Entities (REs) or financial institutions or with any other service providers as may be required; to process payments on your behalf and on your instructions; communicate with you for your queries, transactions, and/or any other regulatory requirement, etc.; to authenticate any transaction processed through the Site;
To allow third parties to contact you for products and services availed/requested by you on the Sites or third-party links
To carry credit checks, screenings or due diligence checks as lawfully required by us for providing the Services or processing the loan/credit lines/EMI transactions; detect and protect us against error, fraud, money laundering and other criminal activity;
To enforce our terms and conditions; to meet legal obligations
To resolve disputes; troubleshoot problems; technical support and fixing bugs; help promote a safe service; to identify security breaches and attacks; investigating, preventing, and taking action on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by ShopSe or government agencies located within India or outside the Indian jurisdiction
To improve our Services, we need to constantly update and alter our business and marketing strategies for which we require the navigational and log information to determine and analyse the merchants, markets, technology, operating systems, browsers, devices, locations from which our Services are used most or used least. For example, such information and its analysis will help us focus more on your needs by providing you a wider range of Services, or developing updates for particular operating systems and mobile application versions, etc. Further, the information collected helps us offer you other products, programs, or services that we believe may be of interest to you. In addition, such information collected will help us alert you in case of software compatibility issues.
We want to serve you better and therefore we require your correspondence information in order to enable us to learn about the information and content of communications by you such that we can deduce your feedback from such communications, analyse, endeavour to improve, ask you for further feedback, reply.
The data collected by cookies helps us track, analyse and understand User trends so as to enable us to understand lacunas (such as slow response time on our website page) and improve your interactive experience of using our Services, our web design, features and functionalities.
We will use your Information for marketing purposes. To inform you about online and offline offers, products, services, and updates; customizing and improving your experience by marketing, presenting advertising, and offering tailored products and offers
We access data or information stored by third parties in case required for providing you uninterrupted and satisfactory Services or in case consented by you.
For enabling you to make quicker transactions and relieving you from the hassle of copying/ keying in the 6 digit OTP, we have developed advanced technologies which would automatically retrieve the OTP and the mention the same in the relevant column of the transaction page.
Further, we may use the data and Information collected/ stored as mentioned above for improving our services, improving user experience, risk checks, strengthening our security checks, for analysis, for offering you new features in the existing services you are availing or offering altogether new product/ service which may be relevant for you and such other purposes. We collect and use some of your Information in an aggregated form to compile statistical and demographical profiles for our business and marketing activities and to customise our Services to you. It is clarified that the consolidated Information of all Users which has been collected by us or provided to us, is the property of ShopSe and we may use it, in whole or in part, at our sole discretion and without any compensation to you, for any legitimate purpose and you hereby confirm that you have no objection to the aforesaid use of your Information.
While we may also process your Personal Information for other legitimate business cases, we ensure to take appropriate steps to minimize the processing to the extent possible, making it less intrusive to your privacy.
Cookies or Similar Technologies:
Sharing or Disclosure of Information
Your Personal Information is shared as allowed under applicable laws, after following due diligence and in line with the purposes set out in this Policy.
We may share your Personal Information in the course of your transaction with different categories of recipients such as business partners, service providers, merchants, affiliates, associates, subsidiaries, legally recognized authorities, regulatory bodies, governmental authorities, financial institutions, internal teams such as marketing, security, investigation team, etc.
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.
Personal Information will be shared, as applicable, on need-to-know basis, for the following purposes:
• for facilitating the services between you and the service provider, as requested
• for the Aadhaar authentication process by submitting Aadhaar information to Central Identities Data Repository (CIDR) and National Securities Depository Limited (NSDL)
• for complying with applicable laws as well as meeting the Know Your Customer (KYC) requirements as mandated by various regulatory bodies, whose regulated service/product you opt through our Services/Sites
• for completing a payment transaction initiated by you on a merchant site, where based on your instructions, the merchant requests to fetch your Personal Information from us
• for the purpose of processing your financial product/service requests placed with us and ensuring that these requests reach the relevant financial institution whose service/product you have opted for
• if it is required by financial institutions to verify, mitigate, or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations
• for grievance redressal and resolution of disputes
• with the internal investigation department within ShopSe or agencies appointed by ShopSe for investigation purposes located within or outside the Indian jurisdiction
You acknowledge and agree that in the interests of improving personalisation, for analysis, for 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 subsidiaries, affiliates or associates.
We do not share, disclose or distribute any of your Information to any third party unless required under an arrangement between ShopSe and the third party for product enhancement, analysis, risk and security purposes, communication purpose, etc. For example, ShopSe 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.
If, by usage of some functionalities of our Service, you receive Information about other User(s), you agree to keep the same confidential and only use it in connection with the Services, without disclosing the same to another user or third party.
In order to ensure that all our Users comply with the user rules, we may monitor your Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance.
We may disclose the Information pursuant to applicable laws, a directive or order of a government entity or statutory authority or any judicial or regulatory authority or to law enforcement agencies in any official investigation including but not limited to cyber incidents, prosecution and punishment of offences. You agree that ShopSe has the right to monitor and to disclose Information as may be necessary to satisfy any law, regulation or other governmental request. We may transfer Your Information or other information collected, stored, processed by ShopSe to any other entity or organization located in India or outside India only in case it is necessary for providing Services to You in connection with Application. We will cooperate with the appropriate law enforcement authorities in investigating claims of illegal activity.
If you decline to submit Information to us, then we will unfortunately not be in a position to provide the Services to you.
If all or some of the business, stock or assets of ShopSe are acquired or merged with another business entity or there is any amalgamation, demerger, reorganization, or corporate restricting in any form, we will share all or some of your information with this entity to continue to provide the Service to you.
ShopSe 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. In the event that you encounter any person improperly collecting or using information about Users, please contact us by emailing at email@example.com.
While the information is shared with third parties as per purposes set out in this Policy, processing of your Personal Information is governed by their policies. ShopSe ensures stricter or no less stringent privacy protection obligations are cast on these third-parties, wherever applicable and to the extent possible. However, ShopSe may share Personal Information with third-parties such as legally recognized authorities, regulatory bodies, governmental authorities, and financial institutions as per purposes set out in this Policy or as per applicable laws. We do not accept any responsibility or liability for usage of your Personal Information by these third parties or their policies.
Storage and Retention
To the extent applicable, we store Personal Information within India and retain it in accordance with applicable laws and for a period no longer than it is required for the purpose for which it was collected.
However, we may retain Personal Information related to you if we believe it may be necessary to prevent fraud or future abuse or if required by law such as in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect or for other legitimate purposes.
We collect, store or retain the Personal Information in compliance with the applicable laws and regulations. Some Personal Information (for e.g., Aadhar XML file) may be collected and stored only for a short duration and some Personal Information(for e.g., Credit or debit card numbers) may not be stored at our end, but directly transferred to third parties who are required and authorised to use, store or transfer the Information.
Once the Personal Information has reached its retention period, it shall be deleted in compliance with applicable laws.
Security of Information
ShopSe is an ISO 27001 and PCI DSS certified entity. We work to protect the security of your information during transmission by using appropriate software, which encrypts information you input. This encrypted information is stored on secure systems/computers. Further, the database is stored on servers secured behind a firewall and we ensure that the number of employees involved in the management of the data centre who have physical access to these computers is limited. Also, we use advanced security technology to prevent our computers from being accessed by unauthorized persons.
We have also implemented information security practices and standards and have in place information security programmes and policies containing managerial, technical, operational and physical security measures that are in compliance with the Indian laws including Aadhar Regulations, so as to protect the Information provided to us from unauthorized access, use, modification, damage, disclosure or impairment.
No data transmission over the internet is fully secure, so we cannot ensure or warrant the security of any information you submit to us. Further, we do not guarantee in any way, the security of any Information that you transmit or share on the Site; and you do so at your own risk.
If any security breach comes to our knowledge, then we may take all steps required to protect misuse of such Information and may attempt to notify you electronically so that you can take appropriate protective steps.
Further, you are responsible for maintaining the confidentiality and security of your login id and password. Please do not share your login, password, and OTP details with anybody. It shall be your responsibility to intimate us in case of any actual or suspected compromise to your Personal Information.
Third-Party Products, Services, or Websites
Changes to the 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 on the firstname.lastname@example.org
The User can at any time while availing the services or otherwise, withdraw his/her consent given previously to ShopSe for collecting, receiving, possessing, storing, dealing or handling Information of the User or ask for deletion of Personal Information or User account, by sending us your request by email on email@example.com. In such case, ShopSe will unfortunately not be in a position to provide the Services to you. However, ShopSe will be able to retain such Information for the time period in accordance with the applicable laws.
We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us, after setting up an account. If you want to remove your contact information from all our lists and newsletters, please click on the unsubscribe button on the emailers or write to us at firstname.lastname@example.org.
For the above requests, ShopSe may need to request specific information from you to confirm your identity and ensure authentication. This is a security measure to ensure that Personal Information is not disclosed to any person who does not have a right to receive it or is not incorrectly modified or deleted.
In cases where you need any further information specific to the product/ services that you are availing, we request you to read through the Terms and Conditions specific to the product/service which is easily accessible through the Sites. For seeking any further information on the same, you can write to us at the details mentioned in the ‘Contacting ShopSe’ section of this Policy.
We do not knowingly solicit or collect Personal Information from children under the age of 18 and use of our Sites is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you must use the Sites or services under the supervision of your parent, legal guardian, or any responsible adult.