Privacy Policy

The ScanPay (referred to as "ScanPay," "we," "our," or "us") provides a service that enables a convenient way to transfer money between you and others who are enrolled directly with ScanPay or enrolled with a financial institution or a Payment Service Provider App that partners with UPI (each, a “User”) using aliases, such as email addresses or mobile phone numbers. We refer to financial institutions that have partnered with UPI or ScanPay as “Network Financial Institutions.” This privacy policy (“Privacy Policy”) explains our information privacy practices and the choices you can make about the collection, use, disclosure, and retention of information you submit or we collect through our website and/or the Zelle our app. We specify in this Privacy Policy when the contents apply to our website or the ScanPay mobile app and we use the term “Site” when the contents apply to both. To make this Privacy Policy easy to find, we make it available on the website homepage and in the mobile app.

Contents & Summary

A list summarizing the contents of this Privacy Policy appears below.

Scope and Consent

By using the Site, you expressly consent to our collection, use, disclosure, and retention of your personal information and other information as described in this Privacy Policy. Your use of the website and/or mobile app is also governed by the User Service Agreement User Service Agreement and Terms of Use. Do not use the Site if you do not agree to these terms.

Information We Collect, Disclose for a Business Purpose, and Commercialize

When you use the Site, we may collect or access or commercialize the following information:

• Personal and online identifiers (such as first and last name, email address, or unique online identifiers)
• Certain customer record information (such as address, telephone number, financial account numbers, or any other financial information)
• Commercial or transaction information (such as records of transactions made through ScanPay)
• Internet or other electronic network activity information (such as browsing history, search history, interactions with our Site)
• Biometric information (such as call recordings)
• Geolocation information
• SMS and Emails
• Other information about you that is linked to the personal information above (such as information you associate with your ScanPay profile)

Categories of Sources of Personal Information We Collect

We collect personal information from the following categories of sources:

1. Users of the Site (when accessing or using the Site)
2. Users’ devices (when accessing or using the Site);
3. Network Financial Institutions and

Why We Collect, Use, and Share Information for Business and Commercial Purposes

We use and disclose the personal information we collect for our commercial and business purposes, including, without limitation:

1. Preventing, detecting and protecting against security incidents, fraud and prohibited or illegal activities
2. Performing services (for us or our service providers) such as account servicing, providing customer service, fulfilling transactions, verifying consumer information, providing analytic services
3. Internal research for technological improvement
4. Internal operations
5. Verifying the existence of your financial account
6. To enforce our terms and conditions
7. Researching and resolving issues related to transactions you sent or received
8. Debugging
9. Facilitating transactions, including enabling our Network Financial Institutions to complete money transfers between their customers and you
10. Notifying you, by text or email, of a pending money transfer or a request for payment
11. Facilitating enrollment and resolving issues relating to enrollment
12. Identity verification
13. Verifying changes you have made to your personal information
14. To create and deliver targeted marketing and advertising tracked to what we believe may potentially interest you
15. Auditing related to our interactions with you
16. Activities to create, develop, operate, deliver, maintain and improve our products and services
17. Legal compliance
18. Responding to your requests and complying with your stated communication preferences
19. Providing you with a safe, efficient, and customized experience
20. Authentication
21. Providing other services you request
22. Other one-time uses

Recipients of Personal Information

We may commercially use some of the categories of personal information designated above to the categories of third parties listed below:

Advertising networks

We may disclose the categories of personal information designated above to the categories of third parties listed below for business purposes

1. Other ScanPay Users
2. UPI Network Participants
3. Our Network Financial Institutions
4. Law enforcement, government agencies and other authorized third parties
5. New owners (in the event we plan to merge with or be acquired by that business entity)
6. Companies in the mobile app industry
7. Ad networks
8. Other entities

Verification Process and Required Information

We may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.

Authorized Agent

You may designate an authorized agent to make a request on your behalf.

Minors' Right to Opt In

The Site does not knowingly collect information from children as set forth above, however if we ever do, we will provide an opt-in before selling any such data of children.

Accessing, Reviewing and Updating Personal Information

You can access, review, and update your personal information at any time by accessing your profile in the ScanPay mobile app.

Our Data Retention Practices

We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law.

How We Use Cookies and Tracking Technologies

We use tracking technologies (including cookies) to recognize you, protect your privacy, and customize your experience on the Site.

Links to Third-Party Websites

We are not responsible for the privacy practices of third-party websites that are linked to or from our Site. Please refer to the privacy notices of those websites for information regarding their privacy practices.

Security

To help us protect the privacy of your data, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls.

Children's Privacy

The User Service Agreement defines eligibility requirements to use the ScanPay mobile app. Our Site is not intended for children under the age of 13.

Territorial Scope and Processing

We are located in India. Our services are available for eligible Indian users only. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in India. Additionally, we may use third-party service providers that may be located in and process or store your personal information in India and other countries. If you create a profile, you consent to the collection and/or processing of your personal information and tracking technologies/cookies as described in this Privacy Policy.

Notification Regarding Updates to This Privacy Policy

You agree that we may notify you about material changes to this Privacy Policy by posting notices on this Site.