1. Introduction
This Privacy Policy ("Policy") outlines the practices of JATTA M KOMMERCE PVT LTD ("Company," "we," "us," or "our"), the owner and operator of the brand NeoMoneyPay.com, regarding the collection, use, storage, and disclosure of your personal data when you use our website, NeoMoneyPay.com, and any related services (collectively, the "Services").
We are committed to protecting your privacy and handling your data responsibly and in accordance with applicable Indian laws, including the Information Technology Act, 2000, and its associated rules, and the Digital Personal Data Protection Act, 2023 (DPDPA).
By using our Services, you consent to the practices described in this Policy. If you do not agree, please do not use our Services.
2. Information We Collect
We collect information that you provide directly to us and information about your use of our Services, which may include:
- Personal Identification Information: Name, email address, phone number, mailing address, date of birth, photograph, government-issued identification details (PAN, Aadhaar, Driver's License, etc.), and signature.
- Financial Information: Bank account details, payment card numbers, payment transaction history, and credit information.
- Transaction Information: Details of transactions you carry out through our Services, including amount, time, date, recipient/payer details, and device used.
- Technical and Usage Information: IP address, device identifier, hardware model, operating system, browser type, app version, and information about your interaction with our Services (logs, clickstream data).
- Location Information: Precise geolocation data where required for specific services, subject to your device permissions.
- Background Information: To the extent permitted by law, we may obtain information from credit bureaus or fraud prevention agencies for identity verification and credit assessment.
3. How We Use Your Information (Purpose and Legal Basis)
We use your information for specified, legitimate purposes, primarily to provide and improve our Services. This includes:
- Providing Our Services: To create your account, process transactions, verify your identity, and provide customer support.
- Security and Fraud Prevention: To detect, prevent, and investigate fraud, security breaches, and other prohibited or illegal activities.
- Communication: To send you transactional information, service updates, security alerts, and support messages. With your consent, we may also send you promotional communications.
- Compliance: To comply with legal and regulatory obligations under Indian law, including anti-money laundering (AML) and KYC regulations.
- Service Improvement: To analyze usage trends, conduct research, and develop new features and services.
Under the DPDPA, we process your data based on your consent or for certain legitimate uses as defined by the law.
4. How We Share Your Information
We do not sell your personal data. We may share your information in the following circumstances:
- With Your Consent: For any other purpose disclosed to you at the time we collect the information, with your explicit consent.
- Service Providers: With trusted third parties who perform services on our behalf (e.g., payment processing, data analytics, customer support, cloud storage), under strict contractual obligations to protect your data.
- Legal and Regulatory Authorities: To comply with a legal obligation, protect our rights, or respond to lawful requests from public authorities.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
- Financial and Credit Partners: With banking partners, NBFCs, and credit bureaus as necessary to provide the Services.
5. Data Retention
We will retain your personal data only for as long as is necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law (e.g., for regulatory compliance, dispute resolution).
6. Your Rights Under the DPDPA
As a Data Principal under the DPDPA, you have the following rights regarding your personal data:
- Right to Access: You can request a summary of the personal data we process about you.
- Right to Correction and Erasure: You can request the correction of inaccurate data or the erasure of your data.
- Right of Grievance Redressal: You have the right to readily available means to register a grievance.
- Right to Nominate: You can nominate another individual to exercise your rights in the event of your death or incapacity.
You can exercise these rights by contacting us at support@neomoneypay.com.
7. Data Security
We implement reasonable administrative, technical, and physical security measures designed to protect your personal data from unauthorized access, loss, misuse, or alteration. These include encryption, secure servers, and access controls. However, no internet transmission is completely secure, and we cannot guarantee absolute security.
8. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to analyze trends, administer the website, and track users' movements around the site. You can control the use of cookies at the individual browser level.
9. Grievance Officer
In compliance with the IT Act and the DPDPA, we have appointed a Grievance Officer. If you have any questions or concerns about this Policy, or wish to exercise your rights, please contact:
Name: REVAN SIDDAPPA
Email: grievance@neomoneypay.com
Address: Jatta M Kommmerce Pvt Ltd
220, 1st Floor
Citi Mall, New Link Road,
Andheri
(W)
Mumbai 400053.
10. Changes to This Policy
We may update this Policy from time to time. We encourage you to review this Policy periodically to stay informed about how we are protecting your information.
11. Governing Law and Jurisdiction
This Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the courts in India.