1.1. By visiting this website
https://billingpay.co.in/privacy-data-security
("Website") you agree to be bound by the terms and conditions of
Easy Bill Pay Card Services (“Billingpay”)'s Privacy & Data Security Policy.
If you do not agree please do not use or access this Website. By mere use of the Website, you
expressly consent
to our use and disclosure of your personal information in accordance with this Privacy & Data
Security Policy.
This Privacy & Data Security Policy is incorporated into and subject to the Terms of Use provided at
https://billingpay.co.in/terms-and-conditions
("Terms of Use").
1.2. This Privacy & Data Security Policy is subject to change at any time without notice.
To make sure you are aware of any changes, please review this Privacy & Data Security Policy
periodically.
1.3. We communicate with You by email, SMS or by posting notices on the Website.
For contractual purposes, You consent to receive communications from us electronically and You agree
that all agreements, notices, disclosures and other communications that we provide to You
electronically
satisfy any legal requirement that those communications be in writing.
2.1. This Website, including the information and materials, and any software made available, are provided “as is” and “as available” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose, or warranty of any kind, express or implied, regarding third-party content. Easy Bill Pay Card Services (“Billingpay”) shall take commercially reasonable endeavors to keep the Website free from any kind of unauthorized access or computer viruses; however, Billingpay cannot warrant that the Website shall be free of any computer viruses or any unauthorized access. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
3.1. In no event shall Billingpay or any of its subsidiaries, affiliates, their directors,
officers, employees, representatives, and service providers be liable to any entity for any direct,
indirect, special, consequential, or other damages (including, without limitation, any lost profits,
business interruption, loss of information or programs, or other data on your information handling
system)
that are related to the use of, or the inability to use, the content, materials, and functions of
this
Website or any linked website, even if Billingpay is expressly advised of the possibility of such
damages.
Billingpay accepts no liability for any errors or omissions, whether on behalf of itself or third
parties.
3.2. In the event Billingpay is found liable, despite the limitation above, for any proven
and actual
loss or damage which arises out of or in any way connected with any of the occurrences described
above,
then you agree that the liability of Billingpay shall be restricted to, in the aggregate, any
service/transactional fees paid by you to Billingpay in connection with such transaction(s) on this
Website, if applicable.
4.1. We store your credit card data to clear off your bills.
4.2. All the Personally Identifiable Information (PII) data collected is stored securely
and is shared only with underwriting NBFCs/Banks with your consent.
4.3. Our services are hosted on Cloudflare, which operates in a
PCI-DSS compliant environment
.
5.1. We reserve the right to investigate complaints or reported violations of this Privacy & Data Security Policy and to take any action as deemed appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties, and disclosing any information necessary or appropriate to such persons or entities relating to users' profiles, e-mails, addresses, usage history, posted materials, IP addresses, and any other information if required by the appropriate authorities.
6.1. This Website is for informational purposes only and should not be construed as technical advice of any manner. You are solely responsible for any act or transaction undertaken by you. By viewing/accessing the Website, you agree to the exclusive jurisdiction of courts at Delhi, India in respect of any action arising therefrom or related thereto.
7.1. You consent to the use of your personal information by BillingPay and/or its third-party
providers and distributors in accordance with the terms of and for the purposes set forth in the
Privacy & Data Security Policy for providing you services and products including but not limited to
personal loans. BillingPay reserves the right to use the information to provide you a more
personalized online experience.
7.2. We use the information we collect to:
7.2.1. Provide you the services that you have requested.
7.2.2. Tell you about exciting offers which we think you will value.
7.2.3. Customize the content and advertising that you see on the Website.
7.2.4. Improve your experience on the Website and with BillingPay.
7.2.5. As otherwise described to you at the point of collection or with
your
consent.
7.2.6. As permitted by applicable law, to assist us in advertising our
products and services in various mediums including, without limitation, sending promotional emails,
advertising our services on third-party sites and social media platforms, direct mail, and by
telemarketing.
7.2.7. To protect our customers, employees or property — for instance, to
investigate fraud, harassment, or other types of unlawful activities involving BillingPay or its
affiliates and third parties that we do business with, and to enforce this Privacy & Data Security
Policy, as well as our Terms of Service.
7.3. BillingPay shall share personal information about you with partners or
affiliated
companies to provide products or services you’ve requested or to suggest products and services
suitable for you.
7.4. BillingPay provides the information to trusted partners who work on behalf of or
with BillingPay. These companies may use your personal information to help BillingPay communicate
with you about offers from BillingPay and our marketing partners. However, these companies do not
have any independent right to share this information.
7.5. BillingPay may share your information with its business partners who provide
services, who are NBFC, who sponsor an event, or who jointly offer a service or feature with
BillingPay.com.
7.6. BillingPay shall transfer information collected from you if BillingPay is
acquired
by or merged with another company.
7.7. We may disclose the information we collect from you in order to comply with
applicable law, judicial proceedings, a court order, or other legal process. We may disclose the
information collected from you if we believe it is necessary to share information in order to
investigate, prevent, or take action regarding illegal activities, suspected fraud, situations
involving potential threats to the physical safety of any person, as evidence in litigation in which
we are involved, or as otherwise required by law.
7.8. 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 Website, we may
collect such information into a file specific to you.
7.9. From time to time, we may seek your consent to use your information for a
purpose
not described in this Privacy & Data Security Policy. We may also share your personal information
with third parties under other circumstances where we have your consent for specific purposes.
7.10. You may choose to give us personal information, such as your name, contact
number,
address or e-mail id that may be needed, for example, to correspond with you, to participate on the
site, or to apply for a Loan.
7.11. We sometimes collect anonymous information from visits to our Website to help
us
provide better customer service. For example, we keep track of the domains from which people visit
and we also measure visitor activity on our Website, but we do so in ways that keep the information
anonymous. BillingPay or its affiliates or vendors may use this data to analyse trends and
statistics and to help us provide better customer service. This anonymous information is used and
analysed only at an aggregate level to help us understand trends and patterns. None of this
information is reviewed at an individual level.
7.12. We maintain standard call and IP logs that record data about all users who call
us
and/or access our Website. We store this information for providing services and as an analysis tool.
All call logs are stored securely and may only be accessed by our employees or designees on a
need-to-know basis for a specific purpose. We use call log information to help provide our members
the efficient services under this membership. We collect IP address of all visitors to the Website.
7.13. We identify and use your IP address to help diagnose problems with our server,
and
to administer our Website. Your IP address is also used to help identify you and to gather broad
demographic information.
7.14. We will make a sincere effort to respond in a timely manner to your requests to
correct inaccuracies in your personal information. To correct inaccuracies in your personal
information please return the message containing the inaccuracies to the sender email id with
details of the correction requested.
7.15. BillingPay may, if you so choose, send direct mailers to you at the address
given
by you. You have the option to ‘opt-out’ of this direct mailer by way of links provided at the
bottom of each mailer. We respect your privacy and, in the event that you choose to not receive such
mailers, we will take all steps to remove you from the list.
7.16. BillingPay provides links to websites and access to content, products and
services
from third parties, including users, advertisers, affiliates, service providers and sponsors of the
Website. You agree that BillingPay is not in control of and is not responsible for the availability
of, content provided on, accuracy and completeness of information on, third-party websites. The User
is requested to peruse the policies posted by such third-party websites regarding their Privacy &
Data Security Policy and terms of use before using/accessing such websites.
7.17. You consent BillingPay to communicate with you via Calls, SMS, WhatsApp
messages,
Emailers, etc.
7.18. BillingPay is not responsible for third-party content accessible through the
Website, including opinions, advice, statements and advertisements, and you shall bear all risks
associated with the use of such content. BillingPay is not responsible for any loss or damage of any
sort the user may incur from dealing with any third party.
7.19. In the event you intend to delete the information submitted by you to
BillingPay
from BillingPay’s database, you shall inform us about the same at info@billingpay.com. It is
clarified that after such request, you will not be able to access all the services and content
available on the Website.
8.1. A “cookie” is a small piece of information stored by a web server on a web browser so it
can be later read back from that browser. Cookies are useful for enabling the browser to remember
information specific to a given user. We place both permanent and temporary cookies in your
computer’s hard drive. The cookies do not contain any of your personally identifiable information.
8.2. We use data collection devices such as “cookies” on certain pages of the Website
to
help analyze our web page flow, measure promotional effectiveness, and promote trust and safety.
8.3. 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 our cookies if your browser permits, although
in that case, you may not be able to use certain features on the Website and you may be required to
re-enter your password more frequently during a session.
8.4. Additionally, you may encounter “cookies” or other similar devices on certain
pages
of the Website that are placed by third parties. We do not control the use of cookies by third
parties and you shall be solely responsible for accepting such third-party cookies.
9.1. We may invite you to post content on the Website, including your comments, pictures, and any other information that you would like to be available on the Website. If you post content on the Website, the information that you post will be available to other visitors of the Website. If you post your own content on the Website, your posting may become public and we cannot prevent such information from being used in a manner that may violate this Privacy & Data Security Policy, the law, or your personal privacy. You shall be solely responsible for any such information, picture, review, content, remarks, etc. posted by you.
10.1. If you have a technical or general support question, please mail us at corporate@billingpay.com to reach out to us directly.
11.1. We collect your PAN Card which is voluntarily provided by you to us. We use this for
fulfillment of our services which includes but is not limited to assisting our partner Banks/NBFCs
in providing the facility opted voluntarily by the user on BillingPay’s platform - validate your
identity, map you to your credit report, share with our underwriting partner Banks or NBFCs with
your consent.
11.2. We collect your KYC data only for the purpose of fulfillment of our services
including but not limited to assisting our partner Banks/NBFCs in providing the facility opted
voluntarily by the user on BillingPay’s platform.
11.3. We collect your employment and other personal information if you submit any
forms
on our website for the purpose of fulfillment of our services which includes but is not limited to
assisting our partner Banks/NBFCs in providing the facility opted voluntarily by the user on
BillingPay’s platform.
In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of the Grievance Management are as follows:
BillingPay is committed to protecting the confidentiality, integrity, and privacy of your personal and credit-related information in accordance with the provisions of the Credit Information Companies (Regulation) Act, 2005 (CICRA), the relevant rules and guidelines issued by the Reserve Bank of India (RBI), and applicable data protection laws including the Information Technology Act, 2000.
This section summarizes our full Data Protection Policy, which governs the collection, usage, storage, sharing, and protection of your personal and credit-related data.
We collect and process personal and credit-related information strictly for lawful purposes such as identity verification, credit assessment, reporting to credit information companies, compliance with regulatory obligations, and service delivery. Data is only used for the purpose for which it was collected or as required under law.
We ensure that your data is collected with informed consent where applicable. You are notified of the nature and purpose of the data collection at the time of collection, as per the regulatory requirements.
We limit the collection and processing of data to what is directly relevant and necessary for the intended purpose. We do not use your information for purposes unrelated to the services we provide, unless legally obligated.
We take reasonable steps to ensure that personal and credit data is accurate and up-to-date. You have the right to access and correct any inaccuracies in your data, and can raise disputes regarding your credit information through appropriate channels.
Personal data is retained only for as long as required to fulfill its purpose, or to meet legal, regulatory, or contractual obligations. After the retention period, we securely delete or anonymize the data in compliance with applicable laws.
We strictly adhere to RBI guidelines, ensuring your explicit consent for all data collection, use, sharing with any third parties, and retention. You have the choice to deny non-essential data use, control disclosure, and withdraw consent, and we honor your "right to be forgotten" (data deletion) unless legally required to retain it.
We maintain industry-standard technical and organizational security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. This includes:
We may share your personal and financial data with RBI-licensed Credit Information Companies (Experian) in compliance with CICRA, solely for the purpose of credit reporting and risk assessment. Such sharing is governed by regulatory agreements and strict confidentiality obligations.
As a data principal, you have the right to:
You may contact our designated Grievance Officer for any concerns or complaints regarding your personal or credit data. All complaints will be addressed in a timely manner in accordance with the grievance redressal mechanism under CICRA and RBI guidelines.