PRIVACY POLICY 
We appreciate the confidence You invest in us and understand how crucial secure transactions and
information privacy are. This Privacy Policy describes how PayOff Retail (collectively “PayOff
Retail/     we/     our/     us”) collect, use, share or otherwise process Your personal information
through PayOff Retail’s website, its mobile application, and website
(hereinafter referred to as the “Platform / Website”). 
While You might be able to access some areas of the Platform / Website without creating an
account with us, kindly be aware that we do not provide any goods or services through this
Platform outside of India. Your personal information will primarily be stored and processed in
India and may have data protection laws that are different from those that apply in the country in
which You are located.  
You expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of
Use, and the applicable service/product terms and conditions by visiting this Platform/Website,
providing Your information, or using the product/service. You also expressly agree to be governed
by the laws of India, including but not limited to the laws governing data protection and privacy.
Please refrain from using or gaining access to our Platform if You disagree. 
Collection of Your  Personal Data 
“Personal Information” shall mean the information which identifies the User, name, identification
number, email address, age, gender, or phone number provided to us     at the time of registration
or any time thereafter. Personal information may include “sensitive personal information or data”
as defined under the Information Technology (Reasonable Security Practices and Procedures and
Sensitive Personal Data or Information) Rules, 2011 (herein “the Rules”) and in this context,
includes passwords or any financial account information provided by You during registration. 
When You use our Platform/Website, we collect and store Your information which is provided by
You from time to time. In general, You can browse the Platform without telling us who You are
or revealing any personal information about Yourself. Once You give us Your personal
information, You are not anonymous      to us. Where possible, we indicate which fields are required
and which fields are optional. You always have the option to not provide information by choosing
not to use a particular service, product or feature on the Platform/Website. 
We may track Your buying behaviour, preferences, and other information that You choose to
provide on our Platform/Website. We use this information to do internal research on our users'
demographics, interests, and behaviour to better understand, protect and serve our users. This
information is compiled and analysed on an aggregated basis. This information may include the
URL that You just came from (whether this URL is on our Platform or not), which URL You next
go to (whether this URL is on our Platform or not), Your computer browser information, and Your
IP address. 
When You create an account, transact with us, or take part in an event or contest, we may ask You
for Your personal information (including Your email address, delivery address, name, phone
number, credit card or debit card information, and details of other payment instruments). Some
areas of our Platform allow You to explore without registering, but other activities (such placing
a purchase or using our online content or services) do require registration. We send You offers
based on Your past purchases and interests using the information provided by You on our Platform. 
We will collect the information You give us if You choose to post messages on our message
boards, chat rooms, or other message areas, or if You choose to leave feedback on the Platform or
the social media accounts we maintain, or if You choose to use a feature similar to shopping on
the Platform/Website. As permitted by law, we keep this information as long as it's required to
settle disputes, offer customer support, troubleshoot issues, or conduct internal research and
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 Platform, we may collect such
information into a zip file specific to You. 
If You enrol into any type of Program or similar programs offered by PayOff Retail Platform, we
will collect and store Your personal information such as name, contact number, email address,
communication address, date of birth, gender, zip code, lifestyle information, demographic and
work details which is provided by You to PayOff Retail or a third-party business partner that
operates online/offline establishments or platforms, websites where You can earn Profit Sharing
Balance coins (“PSB”) for purchase of goods and services, and redeem PSB coins for the same.
We will also collect Your information related to Your transactions on PayOff Retail
Platform/Website and such third-party business partner platforms. When such a third-party     
business partner collects Your personal information directly from You, You will be governed by
their privacy policies. PayOff Retail shall not be responsible for the third-party business partner’s
privacy practices or the content of their privacy policies, and we request You to read their privacy
policies prior to disclosing any information. 
Use of Demographic / Profile Data / Your Information 
To fulfil Your requests for products and services, we use the personal data You give. You will
have the option to reject any use of Your personal information for marketing purposes.      
We use Your personal information to assist sellers and business partners in handling and fulfilling
orders; enhancing customer experience; resolve disputes; troubleshoot problems; help promote a
safe service; collect money; measure consumer interest in our products and services; inform You
about online and offline offers, products, services, and updates; customize and enhance Your
experience; detect and protect us against error, fraud and other criminal activity; enforce our terms
and conditions; and as otherwise described to You at the time of collection of information. 
With Your consent, we may have access to Your SMS, instant messages, contacts in Your
directory, location, camera, photo gallery and device information. We may also request You to
provide Your PAN, GST Number, Government issued ID cards/number and Know-YourCustomer
(i) check Your eligibility for certain products and services including but not limited to
credit and payment products;  
(ii) issue GST invoice for the products and services purchased for Your business
(iii) enhance Your experience on the Platform and provide You access to the products and
services being offered by us, sellers, affiliates or lending partners. You understand that
Your access to these products/services may be affected in the event consent is not
provided to us. 
In our efforts to continually improve our product and service offerings, we and our affiliates collect
and analyse demographic and profile data about our users' activity on our Platform or Website. 
We identify and use Your IP address to help diagnose problems with our server, and to administer
our Platform. Your IP address is also used to help identify You and to gather broad demographic
We will occasionally ask You to participate in optional surveys conducted either by us or through
a third-party market research agency. These surveys may ask You for personal information, contact
information, date of birth, demographic information , attributes such as Your interests, household
or lifestyle information, Your purchasing behaviour or history, preferences, and other such
information that You may choose to provide. The surveys may involve collection of voice data or
video recordings, the participation of which would purely be voluntary in nature.  
We use this data to tailor Your experience at our Platform, providing You with content that we
think You might be interested in and to display content according to Your preferences. 
We use data collection devices such as "cookies" on certain pages of the Platform to help analyse
our web page flow, measure promotional effectiveness, and promote trust and safety. You may
refer to our Cookie Policy for details on the same.            
Sharing of personal information 
We may share personal information internally within PayOff Retail and its affiliates and with other
third parties if needed for purposes of providing products and services offered by them, such as- 
i) We may disclose Your personal information to third parties, such as sellers and business
partners. This disclosure may be required for us to provide You access to our products and services;
for fulfilment of Your orders; for enhancing Your experience; for providing feedback on products;
to collect payments from You; to comply with our legal obligations; to conduct market research 
or surveys; to enforce our Terms of Use; to facilitate our marketing and advertising activities; to
analyse data; for customer service assistance; to prevent, detect, mitigate, and investigate
fraudulent or illegal activities related to our product and services. We do not disclose Your personal
information to third parties for their marketing and advertising purposes without Your explicit
ii) We may disclose personal information if required to do so by law or in the good faith belief that
such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal
process. We may disclose personal information to law enforcement agencies, third party rights
owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce
our Terms of Use or Privacy Policy; respond to claims that an advertisement, posting or other
content violates the rights of a third party; or protect the rights, property or personal safety of our
users or the general public. 
We and our affiliates will share / sell some or all of Your personal information with another
business entity should we (or our assets) plan to merge with, or be acquired by that business entity,
or reorganization, amalgamation, restructuring of business. Should such a transaction occur then     
the other business entity (or the new combined entity) will also be required to follow this Privacy
Policy with respect to Your personal information. 
Links to Other Sites 
Our Platform may provide links to other websites or applications that may collect personal
information about You. We are not responsible for the privacy practices or the content of those
linked websites. 
Security Precautions 
We maintain reasonable physical, electronic and procedural safeguards to protect Your
information. Whenever You access Your account information, we offer the use of a secure server.
Once Your information is in our possession, we adhere to our security guidelines to protect it
against unauthorized access. However, by using the Platform, the users accept the inherent security
implications of data transmission over the internet which cannot always be guaranteed as
completely secure, and therefore, there would always remain certain inherent risks regarding use
of the Platform. Users are responsible for ensuring the protection of login and password records
for their account. 
We provide all users with the opportunity to opt-out of receiving non-essential (promotional,
marketing-related) communications after setting up an account with us via our Platform. If You
do not wish to receive promotional communications from us, then unsubscribe/opt-out through
Advertisements on Platform 
We use third-party advertising companies to serve ads when You visit our Platform/Website.
These companies may use information (not including Your name, address, email address, or
telephone number) about Your visits to this and other websites in order to provide advertisements
about goods and services of interest to You. You have an option to opt out from tracking of
personalized advertising using the “Opt out of Ads Personalization” settings using Your device’s
settings application. PayOff Retail will have no access to Your Google Advertising ID (GAID)
once You select this feature. 
Children Information 
Use of our Platform is available only to persons who can form a legally binding contract under the
Indian Contract Act, 1872. We do not knowingly solicit or collect personal information from
children under the age of 18 years. If You have shared any personal information of children under
the age of 18 years, You represent that You have the authority to do so and permit us to use the
information in accordance with this Privacy Policy. 
Data Retention 
We retain Your personal information in accordance with applicable laws, for a period no longer
than is required for the purpose for which it was collected or as required under any applicable law.
However, we may retain data related to You if we believe it may be necessary to prevent fraud or
future abuse, to enable PayOff Retail to exercise its legal rights and/or defend against legal claims
or if required by law or for other legitimate purposes. We may continue to retain Your data in
anonymised form for analytical and research purposes. 
Your Rights 
We take every reasonable step to ensure that Your personal information that we process is accurate
and, where necessary, kept up to date, and any of Your personal information that we process that
You inform us is inaccurate (having regard to the purposes for which they are processed) is erased
or rectified. You may access, correct, and update Your personal information directly through the
functionalities provided on the Platform.  
You may add, amend or delete certain information by logging into our Website and visiting Profile
and Settings tab and by entering a correct One Time Password (OTP) generated on the registered
mobile number. You can also write to us at the contact information provided under the Contact Us
tab to assist You with these requests. 
You have an option to withdraw Your consent that You have already provided by writing to us at
the contact information provided under the Contact Us tab. Please mention “for withdrawal of
consent” in the subject line of Your communication. We will verify such requests before acting
upon Your request. Please note, however, that withdrawal of consent will not be retroactive and 
will be in accordance with the terms of this Privacy Policy, related Terms of Use and applicable
In the event You withdraw consent given to us under this Privacy Policy, such withdrawal may
hamper Your access to the Platform or restrict provision of our services to You for which we
consider that information to be necessary. 
Your Consent 
By visiting our Platform or by providing Your information, You consent to the collection, use,
storage, disclosure and otherwise processing of Your information (including sensitive personal
information) on the Platform in accordance with this Privacy Policy.  
If You disclose to us any personal information relating to other people, You represent that You
have the authority to do so and to permit us to use the information in accordance with this Privacy
You, while providing Your personal information over the Platform or any partner platforms or
establishments, consent to us (including our other corporate entities, affiliates, lending partners,
technology partners, marketing channels, business partners and other third parties) to contact You
via Short Message Service (SMS), instant messaging apps, call and/or e-mail for the purposes
specified in this Privacy Policy. 
Changes to this Privacy Policy 
Payoff Retail may update or amend this Privacy Policy at any time, with or without advance notice.
In the event there are significant changes in the way Payoff Retail treats Your personally
identifiable information, Payoff Retail shall alert You to significant amendments by posting the
last updated date of the Privacy Policy, will display a notice on the Platform or send You an email
when we are required to do so under any applicable law.  
Notwithstanding the above, Payoff Retail shall not be required to notify You of any changes made
to the Privacy Policy.  
Should You have any concern or reject the changes in the Privacy Policy You can refuse to accept
the amendments and opt for withdrawing Your Personal Information by writing to us through our
Support page and Contact Us page. 
Conditions of Use  
Payoff Retail does not warrant that this Platform, its servers, or email sent by us or on our behalf
are virus free.  
We will not be liable for any damages of any kind arising from the use of this Platform, including,
but not limited to compensatory, direct, indirect, incidental, punitive, special, or consequential
damages, loss of data, goodwill, business opportunity, income or profit, loss of or damage to
property and claims of third parties.  

Grievance Officer  
Any discrepancies and grievances with respect to processing of Personal Information shall be
informed to the designated Grievance Officer as mentioned below: 
Name: [LL Comment: PayOff Retail to provide details for the same] 
Designation: [LL Comment: PayOff Retail to provide details for the same] 
Email Id: [LL Comment: PayOff Retail to provide details for the same] 
Governing Law and Jurisdiction 
The Courts in India alone shall have exclusive jurisdiction for all and any matters arising out of or
concerning or relating to or touching this Policy. 
In the event that any dispute arises between the Parties in connection with this Policy, the Parties
shall conduct negotiations in good faith to solve such dispute. If mutual resolution cannot be
reached within 15 (fifteen) days after the commencement of such negotiations, the Parties shall
refer such dispute to a sole arbitrator. The arbitration proceedings shall be governed in accordance
with the Arbitration and Conciliation Act, 1996 and rules framed thereunder. The venue, place and
seat of the arbitration shall be Mumbai, India and the language of the arbitration proceedings shall
be English or Hindi or Gujarati. The award rendered shall be in writing, and shall set out the
reasons for the sole arbitrator’s decision. The award shall allocate or apportion the costs of the
arbitration as the sole arbitrator deems fair. Any award made in such arbitration will be final and
binding on the Parties. This Policy, and the rights and obligations of the Parties shall remain in full
force and effect pending the award in such arbitration proceeding, which award, if appropriate,
shall determine whether and when, any termination shall become effective.  

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