Privacy Policy of JKSmartPay
M/s. Yourpanth Techservice Private Limited, a company
registered under the Companies Act, 2013 and having its registered office at SHOP
NO 102, BOMBAY SILVER 2, 80 FEET MAIN ROAD, Rajkot – 360003, Gujarat, India (hereinafter
referred to as the “Company”, “we”, “us” or “our”), owns and controls the
Website www.jksmartpay.com and its mobile
applications (collectively referred to as the “Website” or “Application”) and
is engaged in the business of providing a platform for banking,
financial technology, utility payments, and digital services for individuals
and businesses in India (hereinafter referred to as the “Services”).
For the purpose of this Privacy Policy, wherever the context so
requires, “You”, “Your”, or the “User” shall mean the individuals or entities
who visit, access, or use the Website/Application and avail the Services.
Please read this Privacy Policy carefully before using JKSmartPay or
submitting any personal information. By using JKSmartPay, it shall be deemed
that You expressly consent to be bound by the terms and conditions described in
this Privacy Policy.
1. Links
to Other Websites
The procedures and practices set forth in this Privacy Policy describe
the use and disclosure of User Information collected through JKSmartPay
Products. These Products may contain links to other websites or applications.
Any personal information collected when the User visits such websites is not
governed by this Privacy Policy. Users are encouraged to exercise caution and
review the privacy policies applicable to such third-party websites before
accessing them. The Company is not responsible for and has no control over the
practices and content of any third-party websites accessed through JKSmartPay.
2.
Competency to Contract
By agreeing to this Privacy Policy, a User (if a natural person)
represents that they are at least 18 years of age and competent to contract
under applicable Indian laws. Where the User is registering on behalf of a
company, partnership, or other legal entity, such User represents that they are
duly authorized by such entity and permitted under applicable laws to accept
this Privacy Policy. Users below the age of majority may not use JKSmartPay or
provide any information.
3. Collection of Information
Towards providing the Services, JKSmartPay may collect the following
information (“User Information”):
3.1
Information provided by the User:
Users may be required to give us information when creating or using an
account or when communicating with us by phone, email, or otherwise. This may
include without limitation:
·
Name, company name, and details
·
Business nature and registration information
·
Postal address, email address, and mobile number
·
Identification proofs such as PAN, Aadhaar, GST, or business license
·
Financial and banking information
·
Location details
·
Other details required for compliance with laws or to deliver Services
3.2
Information automatically collected:
JKSmartPay may collect technical and usage-related information
including:
·
IP address, login details, browser type, and device details
·
Time zone, operating system, and platform
·
Information about User’s activity on the Website (pages viewed,
searches, response times, interaction data, etc.)
·
Metadata such as date, location, and communication details used for
contacting customer service
3.3
Information from other sources:
We may receive information about Users from third-party partners such as
payment processors, analytics providers, or marketing partners, in accordance
with applicable laws.
4. Usage
of User Information
User Information is used for:
·
Facilitating and fulfilling User’s requests and Services
·
Transaction tracking and status updates
·
Fraud detection and risk management
·
Sharing User data with trusted third parties (payment processors,
service providers)
·
Research, analytics, and service improvement
·
Providing product updates, offers, and promotions
·
Complaint/claim resolution and dispute handling
·
Record keeping and audits
·
Compliance with applicable laws and regulatory directions
·
Marketing communications via SMS, WhatsApp, email, or calls (Users
consent to such communications regardless of NDNC registry status)
·
Enhancing User experience through personalization
5. Data
Analytics & Benchmarking
We may use information generated during your use of JKSmartPay Services
for analytics, forecasting, research, and development to improve performance
and offer a better user experience. This may include:
·
Statistical reporting and benchmarking
·
Development of new features
·
Location-based services where applicable
Users have the right to object to certain processing. To exercise this
right, please contact us at support@jksmartpay.com.
6.
Storage of User Information
All User Information is stored in accordance with applicable Indian
laws. By using JKSmartPay, you consent to such collection, storage, and
processing.
7.
Dissemination of User Information
User Information may be shared with:
·
Governmental authorities (as required by law)
·
Affiliates of JKSmartPay
·
Payment partners, processors, and vendors assisting in Services
·
Potential investors or buyers in case of restructuring
Non-sensitive data may also be shared with analytics providers for
improving services.
8.
Service Providers
We may employ third-party companies to provide services on our behalf,
such as:
·
Payment gateway operations
·
Transaction processing
·
IT and cloud infrastructure
·
Customer support and analytics
These providers may access User Information strictly to perform their tasks and
are obligated not to disclose or misuse it.
9.
Information Security
JKSmartPay adopts commercially reasonable practices to protect User
Information against unauthorized access, misuse, loss, or alteration. While
best efforts are taken, we cannot guarantee that data breaches, malicious
attacks, or unforeseen events will never occur. Users acknowledge that
transmission of data is at their own risk.
10.
Retention of User Information
We may retain User Information for as long as you maintain an account
with JKSmartPay or as required under applicable law. Upon termination, data may
still be retained for compliance and audit purposes.
11.
Disclosure Policy (IT Rules, 2011 Compliance)
We may disclose Personal Information where:
1. Required for lawful
purposes connected to the Website or Services
2. Necessary for
compliance with a legal obligation
3. Required to
investigate or prevent fraud, cyber incidents, or violations of law
4. Pursuant to court
orders, law enforcement requests, or government directives
12.
Cookies & Tracking
JKSmartPay may use cookies or third-party libraries to collect usage
data and improve services. Users can choose to disable cookies, but some
features may not function properly.
13.
Contact Details
For queries, grievances, or requests regarding this Privacy Policy,
please contact:
Contact Person: Mr. Jaykumar Kothadiya
Company: Yourpanth Techservice Private Limited
Address: SHOP NO 102, BOMBAY SILVER 2, 80 FEET MAIN ROAD, Rajkot –
360001, Gujarat, India
Phone: +91 8488889794
Email: support@jksmartpay.com
14.
Grievance Redressal
In accordance with the Information Technology Act, 2000 and rules
thereunder, the Grievance Officer is:
Mr. Jaykumar Kothadiya
Email: jaykumar@jksmartpay.com
Phone: +91 8488889794
15. Scope
of Policy
This Privacy Policy applies exclusively to JKSmartPay and services
provided by Yourpanth Techservice Private Limited. It does not extend to
services offered by third-party partners or external sites.
16.
Updates to Privacy Policy
JKSmartPay may update this Privacy Policy from time to time. Changes
will be effective immediately upon posting on the Website/Application.
17. User
Declarations
By using JKSmartPay, the User declares that:
1. They understand and
consent that their Personal Information is being collected and processed.
2. They understand the
purpose and recipients of such information.
3. They have the right
to decline providing information, with the understanding that it may limit
access to Services.
4. They have read and
understood this Privacy Policy.
18.
Disclaimer
The Company shall not be liable for any unauthorized disclosure of User
Information due to malicious attacks, errors, or breaches beyond its control.