We value the trust you place in us and recognize the importance of secure transactions and information privacy. This Privacy Policy describes how Pipo ZenPay Private Limited and its affiliates (collectively “Pipo ZenPay, we, our, us”) collect, use, share, or otherwise process your personal data through the Pipo ZenPay website www.PipoZenPay.com, its mobile application, and m-site (hereinafter referred to as the “Platform”).

While you can browse sections of the Platform without the need to share any information with us, please note that we do not offer any product or service under this Platform outside India and your personal data will primarily be stored and processed in India. By visiting this Platform, providing your information, or availing of our product/service, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of Use, and the applicable service/product terms and conditions. You also agree to be governed by the laws of India, including but not limited to the laws applicable to data protection and privacy. If you do not agree, please do not use or access our Platform.

Collection of Your Information

When you use our Platform, we collect and store your information that you provide from time to time. Once you give us your personal data, you are not anonymous to us. Where possible, we indicate which fields are required and which fields are optional. You always have the option to not provide data by choosing not to use a particular service, product, or feature on the Platform.

We may track your buying behavior, preferences, and other information that you choose to provide on our Platform. We use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect, and serve our users. This information is compiled and analyzed on an aggregated basis. This information may include the URL that you just came from (whether this URL is on our Platform or not), which URL you next go to (whether this URL is on our Platform or not), your computer browser information, and your IP address.

We may collect personal data (such as email address, delivery address, name, phone number, credit card/debit card, and other payment instrument details) from you when you set up an account or transact with us or participate in any event or contest. While you can browse some sections of our Platform without being a registered member, certain activities (such as placing an order or consuming our online content or services) do require registration. We use your contact information to send you offers based on your previous orders and your interests.

If you choose to post messages on our message boards, chat rooms, or other message areas or leave feedback on the Platform or the social media handles maintained by us or if you use voice commands or virtual try-and-buy or similar features to shop on the Platform, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support, troubleshoot problems, or for internal research and analysis as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Platform, we may collect such information into a file specific to you.

If you enroll in our loyalty and membership program, such as ZenCoins, VIP, or similar programs offered by Pipo ZenPay, we will collect and store your personal data such as name, contact number, email address, communication address, date of birth, gender, zip code, lifestyle information, demographic and work details which is provided by you to Pipo ZenPay or a third-party business partner that operates online/offline establishments or platforms where you can earn loyalty points for the purchase of goods and services, and redeem loyalty points. We will also collect your information related to your transactions on Pipo ZenPay and third-party business partner platforms. When such a third-party business partner collects your personal data directly from you, you will be governed by their privacy policies. Additionally, we collect your UPI ID if you choose to pay via our Pipo ZenPay UPI platform. Pipo ZenPay shall not be responsible for the third-party business partner’s privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information.

Pipo ZenPay has onboarded certain third-party business partners on the Platform who specialize in categories like travel ticket reservations, booking online movie tickets, paying online bills, and more (Ultra-Partners). If you use the services of Ultra-Partners, you will be redirected to Ultra-Partners websites/applications and your entry to Ultra-Partners websites/applications will be based on your Pipo ZenPay login credentials after seeking your permissions to share the data further. Pipo ZenPay shall not be responsible for the Ultra-Partner’s privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information.

Use of Demographic / Profile Data / Your Information

We use your personal data to take and fulfill orders, deliver products and services, process payments, and communicate with you about orders, products, services, and promotional offers. To the extent we use your personal data to market to you, we will provide you the ability to opt-out of such uses. We use your personal data to assist sellers and business partners in handling and fulfilling orders; enhancing customer experience; resolving disputes; troubleshooting problems; helping promote a safe service; collecting money; measuring consumer interest in our products and services; informing you about online and offline offers, products, services, and updates; customizing and enhancing your experience; reporting to regulatory authorities where required, detecting and protecting us against error, fraud, and other criminal activity; enforcing our terms and conditions; and as otherwise described to you at the time of the collection of information.

With your consent, we may have access to your SMS, instant messages, contacts in your directory, location, camera, photo gallery, and device information. We may also request you to provide your PAN, credit information report (from credit agencies), GST Number, Government-issued ID cards/number, and Know-Your-Customer (KYC) details to: (i) check your eligibility for certain products and services like insurance, credit, and payment products; (ii) issue a GST invoice for the products and services purchased for your business requirements; (iii) enhance your experience on the Platform and provide you access to the products and services being offered by us, sellers, affiliates, or lending partners. You understand that your access to these products/services may be affected if consent is not provided to us.

In our efforts to continually improve our product and service offerings, we and our affiliates collect and analyze demographic and profile data about our users' activity on our Platform. We identify and use your IP address to help diagnose problems with our server, and to administer our Platform. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to participate in optional surveys conducted either by us or through a third-party market research agency. These surveys may ask you for personal data, contact information, date of birth, demographic information (like zip code, age, or income level), attributes such as your interests, household or lifestyle information, your purchasing behavior or history, preferences, and other such information that you may choose to provide. The surveys may involve the collection of voice data or video recordings, the participation of which would be purely voluntary in nature. We use this data to tailor your experience on our Platform, providing you with content that we think you might be interested in and to display content according to your preferences.

Cookies

We use data collection devices such as "cookies" on certain pages of the Platform to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. Cookies do not contain any of your personal data. We offer certain features that are only available through the use of a "cookie". We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline/delete our cookies if your browser permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session. Additionally, you may encounter "cookies" or other similar devices on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by third parties. We use cookies from third-party partners such as Google Analytics for marketing and analytical purposes. Google Analytics helps us understand how our customers use the site. You can read more about how Google uses your personal data here: https://www.google.com/intl/en/policies/privacy/. You can opt-out of Google Analytics here: https://tools.google.com/d lpage/gaoptout.

Last Updated: March 2024