Privacy Policy

This Policy includes terms and conditions, including the General Terms of Use and the Terms of Service, along with any agreements executed or accepted by you in connection with the Services, incorporated by reference (collectively, "Terms"), apply to you ("you" or "Customer"), when you access, use or interact / communicate with the website https://paykosh.com and the associated Android App, iOS App, mobile site or any other medium. The term 'Services' collectively refers to the UPI Services. The 'Terms of Services' collectively refers to the UPI Terms.  https://www.paykosh.com, These Terms are entered into between you and PayKosh ("PayKosh", "we", "us" or "our"). These Terms incorporate the Privacy Policy https://paykosh.com by reference (including any updates and amendments to such Privacy Policy).

Please read these Terms carefully before accessing the Portal or availing the Services. By using this Portal, you acknowledge that you have read and understood these Terms and agree to be bound by these Terms, without any limitation or qualification. If you do not agree with these Terms, please do not access the Portal or avail the Services. The information and data made available on the Portal or communicated to you in relation to the Services does not constitute an offer to buy or sell or solicitation of an offer to buy or sell any Services. The headings contained in these Terms are for reference purposes only. Capitalised terms not otherwise defined in these Terms will have the meaning as set out in the Privacy Policy. Do Not Disturb (DND). you express your intent to know and consent to receive, through telephonic calls, WhatsApp messenger application or SMS on your registered mobile number or any other alternate number of yours, or through any other communication mode, various offers, schemes, promotions or other services we may offer, now or in the future, and authorize PayKosh and its employees, associates, third-party agents and other authorized service providers to provide you such information. you agree and confirm that applicable laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) of the Telecom Regulatory Authority of India will not be applicable for such communication, calls, SMS or messages received from PayKosh, its employees, associates, third-party agents and service providers. you expressly waive any preferences you have set under the NDNC Registry. If you would not like to receive any promotional messages or communications, please contact us at https://paykosh.com to let us know your preferences.

User acceptance

By accessing or using the Portal or by availing Our Services, you agree to the terms of this Privacy Policy. The collection, use, processing, storage, retrieving, disclosure, or transfer of your information, including personal information and sensitive personal data or information (collectively, "Information") will be in accordance with this Privacy Policy and as required or permitted under applicable laws, including but not limited to the Information Technology Act, 2000 and the rules framed thereunder, as may be amended from time to time ("IT Laws") and the regulations, directions, circulars, guidelines or other mandates issued by the Reserve Bank of India ("RBI") or the National Payments Corporation of India and as applicable to the Services (collectively, "Applicable Laws").

Any Information, which is the subject matter of this Privacy Policy, provided by you or otherwise collected by Us is collected and retained by PayKosh that has the registered office at D-38/A, Ashok Marg, near Ahinsa Circle, Panch Batti, Cscheme Ashok Nagar Jaipur, Rajasthan 302001.

Please read this Privacy Policy carefully to make sure you understand how any Information you provide to Us will be handled. If you use any of Our Services, you will be regarded as having read and accepted this Privacy Policy. By accessing or using the Portal, you expressly consent to Our collection, processing, storage, transfer, use, disclosure and handling of your Information in accordance with this Privacy Policy. If you do not agree with the practices described in this Privacy Policy, please do not provide Us with your Information, or use, access or interact with the Portal and/or avail Our Services. 

You hereby represent to PayKosh that:

1. The Information you provide to PayKosh from time to time, is and shall be authentic, correct, current and updated and you have all the rights, permissions and consents as may be required to provide such Information to PayKosh.

2. Your providing the Information as well as PayKosh's consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any agreement, laws, charter documents, judgments, orders and decrees.

If you disclose to Us any Information relating to other people, you represent that you have the authority to do so and to permit Us to use such Information in accordance with this Privacy Policy.

You must ensure that the Information you provide Us remains accurate and up-to-date at all times. 

Your Information will primarily be stored in electronic form however certain data can also be stored in physical form. We may enter into agreements with third parties to store or process your Information or data. These third parties may have their own security standards to safeguard your Information or data and We will, on reasonable basis, require such third parties to adopt reasonable security standards to safeguard your Information.