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Privacy Policy

eAGE Digitech Private Limited (“PAYFEE,” the “Company,” “we,” “us,” and “our,”) respect your privacy and are committed to protecting it through our compliance with this privacy policy while providing a personalised and valuable service.

You agree that your use of PayFee’s services or our interface implies your consent to the collection and use of your Information in accordance with the terms of this Privacy Policy (“Privacy Policy”).

We take the privacy of our users seriously. In addition to this Privacy Policy, we have taken the following steps to further safeguard your privacy:

This policy applies only to information we collect through our Services, in email, text and other electronic communications sent through or in connection with our Services.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Services. By accessing or using our Services, you agree to this privacy policy. This policy may change from time to time, your continued use of our Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

We collect variety of information from and about users of our Services, including information : by which you may be personally identified; and/or about your internet connection, the equipment you use to access our Services and your usage details.

We may automatically collect certain information about the computer or devices (including mobile devices) you use to access the Services, and about your use of the Services, even if you use the Services without registering or logging in Website: viz., IP addresses; Domain servers; your preference setting; Types of computers accessing the Website; Types of web browsers used to access the Website; Referring source which may have sent you to the Website; and Other information associated with the interaction of your browser and the Website.

Stored information and files : Our applications also may access metadata and other information associated with other files stored on your mobile device. This may include, for example, photographs, audio and video clips, personal contacts and address book information.

Last URL visited : The URL of the last web page you visited before visiting our websites.

Mobile device IDs : Unique mobile device identifier, if you’re using our Services on a mobile device, we may use mobile device IDs (the unique identifier assigned to a device by the manufacturer), instead of cookies, to recognize you. We may do this to store your preferences and track your use of our applications. Unlike cookies, mobile device IDs cannot be deleted. Advertising companies may use device IDs to track your use of our applications, track the number of advertisements displayed, measure advertising performance and display advertisements that are more relevant to you. Analytics companies may use mobile device IDs to track your usage of our applications.

Your activity on the Services : Information about your activity on the Services, such as your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long you visited our Services, the date and time you used the Services, error logs, and other similar information.

Mobile status : For mobile application users, the online or offline status of your application. The information we collect or we may require you to provide us with certain information on or through our Services may include the following information: • Your full name, address, e-mail address, • telephone number, • date of birth • bank or payment card details • any proof of your identity and/or address • Details of any

transactions you carry out through our Website using your PayFee account and of the fulfilment of your requests; • Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number and password, available balance and transaction history of your bank account), • Details of any credit, debit or other card used by you for transactions; • Correspondence that you send us; • Information collected through cookies. • Your IP address, log-in times, operating system and browser type; and • In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies (“Third Party Information”), including your financial history, court judgements and bankruptcies, from credit reference and fraud prevention agencies when you open a PayFee account and at any time when we feel it is necessary to prevent fraud and minimise our financial risks.

Your searches and other activities: The search terms you have looked up and results you selected.

Your browsing information : How long you used our Services and which features you used; the ads you clicked on.

Your communications : Communications between you and other users or merchants through our Services; your participation in a survey, contest or promotion scheme; your request for certain features; your communication with us about employment opportunities posted to the services.

We may collect, process and store your user ID associated with any social media account (such as your Facebook and Google account) that you use to sign into the Services or connect with or use with the Services. When you sign in to your account with your social media account information, or otherwise connect to your social media account with the Services, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the information that you make available to us through the social media interface. This could include, without limitation, any information that you have made public through your social media account, information that the social media service shares with us, or information that is disclosed during the sign-in process. Please see your social media provider’s privacy policy and help center for more information about how they share information when you choose to connect your account. We may also obtain information about you from third parties such as partners, marketers, third-party websites, and researchers, and combine that information with information which we collect from or about you.

We may anonymize and/or de-identify information collected from you through the Services or via other means, including via the use of third-party web analytic tools as described below. As a result, our use and disclosure of aggregated and/or de-identified information is not restricted by this Privacy Policy, and it may be used and disclosed to others without limitation.

We use the information you provide to us to enhance the functionality and improve the quality of our Services, and to personalize your experience while using our Services. We also use this information to display relevant advertising, provide support to you, communicate with you, and comply with our legal obligations.

Cookies : “Cookies” are small computer files that are transferred to your computer’s hard drive that contain information such as user ID, user preferences, lists of pages visited and activities conducted while browsing the Website. Most browsers are set to automatically allow cookies. Please note it may be possible to disable some (but not all) cookies through your device or browser settings, but doing so may interfere with certain functionality on the Services. Major browsers provide users with various options when it comes to cookies. Users can usually set their browsers to block all third-party cookies (which are those set by third-party companies collecting information on websites operated by other companies), block all cookies (including first-party cookies such as the ones PAYFEE uses to collect search activity information about its users), or block specific cookies. To modify your cookie settings, please visit your browser’s help settings

at your option, expense and responsibility, you may block cookies or delete cookies from your hard drive. However, by disabling cookies, you may not have access to the entire set of features of the Website. Generally, we use Cookies to customize your experience on our Website and to store your password so you do not have to re-enter it each time you visit the Website. In addition, our business partners may use Cookies to provide us with anonymous data and information regarding the use of our Website. Specifically, some of our business partners use Cookies to show the Website’s ads on other websites on the internet as a result of you using the Website. Such Cookies do not contain any Information. You may opt out of receiving Cookies placed by such third party vendors by visiting the opt-out page.Other Cookies used by our business partners may collect other non-personally identifying information, such as the computer’s IP address, type of operating system, type of internet browsing software, what web pages were viewed at what time, the geographic location of your internet service provider and demographic information, such as gender and age range. This information is used to provide the Website with more information about our user’s demographics and internet behaviours. You may find out more about the information collected and how to opt-out of receiving these Cookies by visiting our partner’s website. We do not link the information stored in these Cookies directly to any of your Information you submit while on the Website. In order to comply with legislation and to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of these cookies on your device when you use our Website. Third parties whose products or services are accessible or advertised through the Services, including social media services, may also use cookies or similar tools, and we advise you to check their privacy policies for information about their cookies and other practices. We do not control the practices of such partners and their privacy policies govern their interactions with you.

Web Beacons : In limited circumstances we also may use “Web Beacons” to collect anonymous, non-Information about your use of our Website and the websites of selected sponsors and advertisers, and your use of e-mails, special promotions or newsletters we send to you. Web Beacons are tiny graphic image files imbedded in a web page or email that provide a presence on the web page or e-mail and send back to its home server information from the user’s browser. The information collected by web beacons allows us to statistically monitor how many people are using the Website and selected sponsors’ and advertisers’ websites, or opening our e-mails, and for what purposes.

Web Analytics : We may use third party website analytics services in connection with the Website. These website analytics services do not collect information that you do not voluntarily enter into the Website. These services do not track your browsing habits across websites which do not use their services. We are using the information collected from these services to find usability problems to make the Website easier to use. The recordings will never identify you or your account.

We use the information we collect from and about you for a variety of purposes, including to:

o Process and respond to your queries o Understand our users, improve the content and features of our Services, process and complete your transactions, and make special offers. o Administer our Services and diagnose technical issues. o Send you communications that you have requested. o Enable us to show you ads that may be of interest to you. o Generate and review reports and data about, and to conduct research on, our user base and Service usage patterns. o Administer contests and sweepstakes. o Provide you with customer support. o Provide you with notices about your account. o Carry out our obligations and enforce our rights arising from any contracts entered into between you and us. o Notify you about changes in our Services. o Allow you to participate in interactive features of our website. o For any other purpose with your consent. o We may also use your information to contact you about our own and third-party goods and services that may be of interest to you. o We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences.

We are required under applicable laws to retain certain records for a period of at least 5 (five) years after closure of your PayFee account, which will include your personal data such as your name, contact details, customer number and transaction history, etc. (“Retained Data”). Other than the Retained Data, we will delete and destroy all Personal Information that we hold about you when you (or we) terminate your PayFee account. We do not store your online banking login PIN, TAN and/or password.

• Please note that we will not store your credit card information. • Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from PayFee requesting your personal or security details, please do not respond to it (“Such E-mail”). Please forward any Such E-mail to payfee@eageonline.in and thereafter delete the e-mail immediately.

We may disclose personal information that we collect or you provide, as described in this privacy policy:

• To our subsidiaries and affiliates, which are entities under common ownership or control of our ultimate parent company PAYFEE Media Private Limited. • To contractors, service providers and other third-parties whom we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them. • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of PAYFEE’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by PAYFEE about the users of our Services are among the assets transferred. • To third-parties to market their products or services to you if you have consented to receive the promotional updates. We contractually require these third-parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. • a prospective buyer of our business or a buyer of a substantial number of the shares in our business; • the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others; • third parties where you have expressed an interest in receiving information about their goods and services; • third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral. Where the commission payment is based on transaction volumes, numbers or types of transactions, we may share that information with that third party, but we will not disclose the full details of each of your transactions without your further written consent; and • third parties we may occasionally use to provide you with the services that you have requested. We require these third parties to not use your personal information for any other purpose. • To fulfill the purpose for which you provide it. • For any other purpose disclosed by us when you provide the information. • comply with a court order or other legal process; • Protect the rights, property or safety of PayFee or another party; • Enforce our Terms of Service or • Respond to claims that any posting or other content violates the rights of third parties. • We may share your information with outside vendors that we use for a variety of purposes, such as to send you emails and messages on behalf of other PAYFEE members, push notifications to your mobile device on our behalf, provide voice recognition services to process your spoken queries and questions, help us analyze use of our Services, and process and collect payments. Some of our products, services and databases are hosted by third party hosting services providers. We also may use vendors for other projects, such as conducting surveys or organizing sweepstakes for us. We may share information about you with these vendors only to enable them to perform their services. • We may share your information when we believe in good faith that such sharing is reasonably necessary in order to investigate, prevent, or take action regarding possible illegal activities or to comply with legal process. We may also share your information to investigate and address threats or potential threats to the physical safety of any person, to investigate and address violations of this Privacy Policy or the Terms of Service, or to investigate and address violations of the rights of third parties and/or to protect the rights, property and safety of PAYFEE, our employees, users, or the public. This may involve the sharing of your information with law enforcement, government agencies, courts, and/or other organizations on account of legal request such as subpoena, court order or government demand to comply with the law. • If you interact with social media features on our Services, such as the Facebook Like button, or use your social media credentials to log-in or post content, these features may collect information about your use of the Services, as well as post information about your activities on the social media service. Your interactions with social media companies are governed by their privacy policies. • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of PAYFEE, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. • Consent. We may share your information in any other circumstances where we have your consent.

At any time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your PayFee account, financial history and transactions as part of our normal business operations with banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies (including, but not limited to) to identify and verify users in order to limit our exposure to fraud and other criminal activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your written request. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies. If you want to know what information these companies hold about you, you can write to them to request access to your information.

In order to be in compliance with anti-money laundering laws prevailing in various jurisdictions we may report suspicious transactions to concerned authorities and law enforcement agencies within those jurisdictions. In exchange for us permitting you to participate in, use and access our Website and services you hereby grant us the right to report any transactions which we deem suspicious, as determined solely by PayFee acting in its sole discretion. If for any reason we are of the belief or become aware of any transaction which we deem suspicious in nature, we may without prior notice or explanation to you take actions, which are in addition to all other rights and remedies available to us under this Privacy Policy, at law or in equity viz., report such transaction to the applicable central, state, provincial or local authorities and law enforcement agencies; de-activate or terminate your PayFee account forthwith; withhold any funds held in your PayFee wallet; and/or restrict you from registering a PayFee account on or with our Website or any of our affiliated websites.

It is our constant effort to provide you with choices regarding the personal information you provide to us. You can set your browser or mobile device to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of our Services may then be inaccessible or not function properly. We do not share your personal information with any advertising agency. You may also choose not to provide us with any Information while accessing the Website. In such an event, you can still access much of the Website; however you will not be able to access and use those portions of the Website that require your Information.

When you sign up for an account, you are opting in to receive emails from other PAYFEE users, businesses, and PAYFEE itself. You can log in to manage your email preferences and you can follow the “unsubscribe” instructions in commercial email messages, but note that you cannot opt out of receiving certain administrative notices, service notices, or legal notices from PAYFEE.

We may contact you via the e-mail address and phone number registered with your PayFee account. You may also receive system-generated transactional e-mails such as confirmations, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your PayFee account.

You expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the National Do Not Call Registry. As a PayFee account holder, you will occasionally receive information by e-mail from us, unless you have expressly chosen not to receive such communication, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us. However please note that you will still receive communication regarding your PayFee account such as transactional e-mails or other notifications affecting the operation of your PayFee account or our legal relationship.

If you receive an e-mail or are asked for your password by anyone claiming to work for us please forward the e-mail or report the incident by e-mail to us because it may be “Phishing”. Phishing means attempts to steal personal details and financial account details from a website user. “Phishers” use fake emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords etc.

If you would like to review, change or delete personal information we have collected from you, or permanently delete your account, please contact the PAYFEE Privacy Officer.

You have a legal right to a copy of any Information about you held by us. You also have a right to correct any errors in that Information. As mentioned above, you have a right to request that we cease to use your Information for direct marketing purposes.

We will take reasonable steps to accurately record the personal information that you provide to us and any subsequent updates. We encourage you to review, update, and correct the personal information that we maintain about you, and you may request that we delete personal information about you that is inaccurate, incomplete, or irrelevant for legitimate purposes, or are being processed in a way which infringes any applicable legal requirement.

We are committed to ensuring that your Information is secure. In order to prevent unauthorised access or disclosure of Information we have physical, electronic and managerial procedures in place to keep your information safe. We have implemented appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access to your information and to maintain data security. These safeguards take into account the sensitivity of the information that we collect, process and store and the current state of technology. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it, including the use of vault and tokenization services form third party service providers. The third party service providers with respect to our vault and tokenization services and also our payment gateway and payment processing are all validated as compliant with the payment card industry standard (generally referred to as PCI compliant service providers).

We assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control also any information that you may reveal in a review posting or other online discussion or forum is intentionally open to the public and is not in any way private. You should think carefully before disclosing any personally identifiable information in any public forum. What you have written may be seen and/or collected by third parties and may be used by others in ways we are unable to control or predict.

This high level of protection can only be effective if you follow certain security practices yourself. You must never share your PayFee account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately at payfee@eageonline.in. If we receive instructions using your user name and password, we will consider that you have authorized the instructions.

Although we make good faith efforts to store Information in a secure operating environment that is not open to the public, you should understand that there is no such thing as complete security, and we do not guarantee that there will be no unintended disclosures of your Information. If we become aware that your Information has been disclosed in a manner not in accordance with this Privacy Policy, we will use reasonable efforts to notify you of the nature and extent of the disclosure (to the extent we know that information) as soon as reasonably possible and as permitted by law. No method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security and thereby usage in a manner that is inconsistent with this Privacy Policy.

Children Below 13 years of Age : The Services are not intended for users under the age of 13. We do not knowingly collect any personal information from children under 13 or market to or solicit information from anyone under the age of 13.

The Services may contain links to third-party websites. If you follow a link to any of these websites, please note that these websites have their own Terms of Service and privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites. Your interactions are governed by the privacy policy of the company providing it.

Our Website also includes social media features, such as the Facebook. These features may collect your IP address, which page you are visiting on our Website, and may set a Cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your use of these features may result in the collection, processing or sharing of information about you, depending on the feature. Please be aware that we are not responsible for the content or privacy practices of other websites or services which may be linked on our services. We do not endorse or make any representations about third-party websites or services. Our Privacy Policy does not cover the information you choose to provide to or that is collected by these third parties. We strongly encourage you to read such third parties’ privacy policies.

The information we obtain from or about you may be processed and stored in servers, which may provide for different data protection rules than the country in which you reside. We comply with generally accepted industry standard regulations regarding the collection, use, and retention of data. By using the Services, you consent to the collection, transfer, use, storage and disclosure of your information as described in this Privacy Policy, including to the transfer of your information outside of your country of residence. If you have any questions relating to your personal data, please write to us on payfee@eageonline.in Any information submitted to us through our Service when applying for a job vacancy in our company, the information will be used to consider your application. We may retain your information for any period of time. This information may be shared with other companies for the purpose of evaluating your qualifications for the particular position or other available positions, as well as with third-party service providers for verification and other purposes.

We reserve the right to add to, change, update, or modify this Privacy Policy from time to time to reflect changes in the law, our data collection and use practices, the features of our services, or advances in technology. Please check this page periodically for changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is used. If we make any material changes to this Privacy Policy, we will post the changes here. Please review the changes carefully. Your continued use of the Services following the posting of changes to this Privacy Policy will amount to your consent and acceptance of changed Privacy Policy.

We makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of this Website and expressly disclaim liability for errors and omissions in the contents of this Website. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given with respect to the contents of the Website or its hyperlinks to other internet resources. Reference in this Website to any specific commercial products, processes, or services, or the use of any trade, firm or corporation name is for the information and convenience of the public, and does not constitute endorsement or recommendation by us.

If you have any queries relating to the processing/usage of information provided by you or PAYFEE’s Privacy Policy, you may email us at payfee@eageonline.in or write at the following address: Privacy Officer eAGE Digitech Private Limited. G1, Ground Floor, Sai Dham Greens, Gari Chaukhanti, Sector 121, Noida(UP). 201301.