Privacy Policy – Pay4Bharat

Website: www.pay4bharat.com
Managed by: Shri Sadguru Traders
Registered Address: Rajputana, Rabupura, Greater Noida, Gautam Buddha Nagar, Uttar Pradesh – 203209
Email: shrisadgurutraders74@gmail.com

1. Legal Notice and Electronic Record

This Privacy Policy is an electronic record in the form of an electronic contract formed under the provisions of the Information Technology Act, 2000, the rules made thereunder, and the amended provisions pertaining to electronic documents and records in various statutes as amended by the IT Act, 2000.

This Privacy Policy does not require any physical, electronic, or digital signature.

This document is published in accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 and Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

This Privacy Policy is a legally binding contract between you (“User”, “You”, “Yourself”) and Pay4Bharat, managed by Shri Sadguru Traders (“We”, “Us”, “Our”), governing your use of the website www.pay4bharat.com and its related services.

By using this website, or by clicking “I Agree”, you consent and agree to the terms of this Privacy Policy under Sections 43A and 72A of the Information Technology Act, 2000.
If you do not agree, please do not use this website.

2. Definition of Sensitive Personal Data or Information (SPDI)

As per Rule 3 of the IT Act 2000 & Amendments (2008), “Sensitive Personal Data or Information (SPDI)” includes:

• Passwords
  
  

• Financial information such as bank account, credit/debit card, or payment instrument details
  
  

• Sexual orientation
  
  

• Any detail relating to the above categories, or information received for processing under lawful contract
  
  

3. Information We Collect

We collect information to provide better services and experiences to our users, including:

a. Personal Information

• Full Name
  
  

• Contact Number
  
  

• Email Address
  
  

• Date of Birth
  
  

• PAN or Aadhaar Number (if applicable)
  
  

• Address or Location
  
  

b. Financial Information

• Bank Account / UPI details
  
  

• Wallet transactions and payment history
  
  

c. Technical & Device Information

• IP Address, browser type, and operating system
  
  

• Cookies, access logs, and device identifiers
  
  

d. User Activity

• Transaction data, website usage patterns
  
  

• Messages, feedback, and communication records
  
  

4. How We Use Your Information

We collect and process data for the following purposes:

• To create and manage your Pay4Bharat account
  
  

• To process transactions, payments, or refunds
  
  

• To verify user identity and prevent fraud
  
  

• To improve site performance and service delivery
  
  

• To send important updates or promotional offers
  
  

• To comply with applicable laws and legal obligations
  
  

We may use your IP address to help diagnose problems with our servers and to administer our website.

5. Use of Cookies

We use cookies and similar technologies to analyze traffic, store preferences, and enhance user experience.
Cookies help in:

• Recognizing you on return visits
  
  

• Saving login sessions and preferences
  
  

• Measuring page flow and promotional effectiveness
  
  

You may disable cookies through your browser settings, but some website features may not function properly without them.

For more information, visit www.allaboutcookies.org.

6. Data Collection Devices

We may use “data collection devices” such as cookies, analytics tools, and web beacons to gather insights about user activity.
Certain features are available only through cookies.
You are free to decline cookies, but functionality may be limited.

7. Information Security Standards

Pay4Bharat is committed to maintaining ISO/IEC 27001:2013 standard security practices to ensure continual improvement and data protection.
We employ:

• Secure SSL encryption
  
  

• Firewalls and restricted access controls
  
  

• Periodic data backups and audits
  
  

• Strict internal security protocols
  
  

Your information is stored on secure servers located in India.

8. Sharing of Personal Information

We do not sell or rent your personal data. However, data may be shared:

• With law enforcement or regulatory authorities when required
  
  

• With affiliated entities or trusted partners for legitimate business operations
  
  

• To prevent or investigate fraud, violations, or technical issues
  
  

• During mergers, acquisitions, or restructuring, with assurance that the new entity adheres to this Privacy Policy
  
  

We may disclose information if legally required or in good faith belief that such disclosure is necessary for compliance or protection of rights and safety.

9. Links to Other Websites

Our website may contain links to other third-party websites.
We are not responsible for their privacy practices, policies, or content.
Users are encouraged to read the respective privacy policies of linked websites before sharing any data.

10. Choice / Opt-Out

Users can opt out of receiving non-essential communications (promotions, newsletters) by using the unsubscribe link or contacting us directly.
Transactional communications related to account activity or service alerts cannot be opted out of.

11. Information Retention

We retain personal data:

• As long as the account remains active; or
  
  

• As required by applicable laws for legal, tax, or regulatory purposes
  
  

After expiry, information is securely deleted or anonymized.

12. Consent

By using our website and providing your information, you consent to:

• The collection, use, and disclosure of your personal information as per this policy
  
  

• Communication via email, SMS, or WhatsApp for transactional and promotional purposes
  
  

If you withdraw consent, certain features or services may no longer be available.

13. Children’s Data

Pay4Bharat does not knowingly collect information from individuals under the age of 18 years.
If such data is identified, it will be deleted immediately.

14. User Rights and Access

You have the right to:

• Access your personal data
  
  

• Request corrections or updates
  
  

• Withdraw consent or request deletion (where legally permissible)
  
  

• Obtain explanations regarding processing
  
  

Requests can be sent to
📧 shrisadgurutraders74@gmail.com

15. Security Precautions

Whenever you log in or change account details, we use secure servers and SSL encryption.
Strict access controls, employee confidentiality, and multi-layer security ensure the integrity of your data.

16. Changes to Privacy Policy

We may update this policy periodically.
All changes will be reflected here with an updated “Effective Date.”
Significant changes may be communicated via email or notice on our website.

17. Your Consent

By using this website, you explicitly agree and provide your unconditional consent to Pay4Bharat, under Section 43A and Section 72A of the IT Act, 2000, for data collection, storage, and lawful processing as described herein.

18. Grievance Redressal

As per Rule 5(9) of the IT Rules, 2011, the Grievance Officer for Pay4Bharat is:

Grievance Officer:
📍 Shri Sadguru Traders
Rajputana, Rabupura, Greater Noida,
Gautam Buddha Nagar, Uttar Pradesh – 203209
📧 shrisadgurutraders74@gmail.com

We will acknowledge and address all grievances within 15 working days.

19. Governing Law and Jurisdiction

This Privacy Policy is governed by the laws of India.
All disputes shall be subject to the exclusive jurisdiction of the courts in Gautam Buddha Nagar (Greater Noida), Uttar Pradesh.

✅ Pay4Bharat remains committed to ensuring the confidentiality, security, and lawful handling of your personal and financial information in full compliance with Indian data protection standards.