Introduction to Privacy Policy
This privacy policy (the “Privacy Policy”) applies to your use of the website of Razorpay hosted at razorpay.com, the Services (as defined under the Razorpay “Terms of Use”) and Razorpay applications on mobile platforms (Android, Blackberry, Windows Phone, iOS etc.) (collectively referred to as “RAZORPAY” or “WEBSITE”), but does not apply to any third-party websites that may be linked to them, or any relationships you may have with the businesses listed on Razorpay.
The terms “we”, “our” and “us” refer to Razorpay and the terms “you”, “your” and “User” refer to you, as a user of Razorpay.
The term “Personal Information” means information that you provide to us which personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information. Our practices and procedures in relation to the collection and use of Personal Information have been set out below in order to ensure safe usage of the Website for you.
We have implemented reasonable security practices and procedures that are commensurate with the information assets being protected and with the nature of our business. While we try our best to provide security that is better than the industry standards, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information that is being transmitted to us by you.
By visiting this Website, you agree and acknowledge to be bound by this Privacy Policy and you hereby consent that we will collect, use, process and share your Personal Information in the manner set out herein below. If you do not agree with these terms, do not use the Website.
It is clarified that the terms and conditions that are provided separately, form an integral part of your use of this Website and should be read in conjunction with this Privacy Policy.
Information We Collect and How We Use It
We collect, receive, and store your Personal Information. If you provide your third-party account credentials (“Third Party Account Information”) to us, you understand that some content and information in those accounts may be transmitted to your account with us if you authorize such transmissions. That Third Party Account Information transmitted to us shall be covered by this Privacy Policy.
You may choose not to provide certain information; however, doing so may restrict you from registering with us or accessing some of our features and services.
We make commercially reasonable efforts to ensure that the collection of Personal Information is limited to what is necessary to fulfill the purposes identified below. If we intend to use your information in a manner different from the purpose for which it was collected, we will seek your consent before doing so.
The Personal Information collected will be used only for the purpose of enabling you to use the services provided by us, promoting a safe service, understanding consumer interest in our products and services, informing you about online offers and updates, troubleshooting problems, customizing your experience, detecting and protecting against errors, fraud, and other criminal activity, collecting payments, enforcing our terms and conditions, and as otherwise described at the time such information is collected.
Account Information of Merchants
If you create an account to take advantage of the full range of services offered on Razorpay, we ask for and record Personal Information such as your name, email address, and mobile number.
We may also collect and store your Sensitive Personal Data or Information, including financial details such as credit card, debit card, bank account information, and Know Your Customer (KYC) documents, as per RBI regulations and any other information you choose to save in your Razorpay account.
We use your email address to send you updates, news, and newsletters—if you willingly subscribe during or after signup—and to contact you on behalf of other users (for example, if another user sends a friend request or personal message).
If you do not want to receive communications that are not relevant to your use of our services, you may click the unsubscribe link at the bottom of such emails. We use your mobile number to send transaction and SMS alerts based on your preferences. To opt out of such SMS alerts, please contact us at razorpay.com/support.
Razorpay assures that your Personal Information will never be made public or sold to any third party.
As a user, you have the option to erase any information you have provided, including Personal Information. If you choose to do so, Razorpay will delete all stored information from its servers accordingly.
Customer Information
We also store customer information such as address, mobile number, third-party wallet details, card details, and email address for customers making payments through Razorpay checkouts.
This information is shared with businesses powered by Razorpay applications only when the customer explicitly chooses to share it.
However, Razorpay is not liable in any way for any misuse of this information by the businesses or individuals associated with the businesses to whom the information is shared by the customer.
Activity
We record information relating to your use of Razorpay, such as the searches you undertake, the pages you view, your browser type, IP address, location, requested URL, referring URL, and timestamp information. We use this information to administer Razorpay and provide the highest possible level of security and service to you.
We also use this information in the aggregate to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of Razorpay. However, you cannot be identified from this aggregate information.
We own all the intellectual property rights associated with the Website and its contents. No right, title, or interest in any downloaded material is transferred to you as a result of any such downloading or copying. The Website is protected by copyright as a collective work and/or compilation (meaning the collection, arrangement, and assembly of all the content on this Website), pursuant to applicable law.
Our logos, product and service marks and/or names, trademarks, copyrights, and other intellectual property—whether registered or not (“Our IP”)—are exclusively owned by us. Without our prior written permission, you agree not to display and/or use Our IP in any manner. Nothing contained on this Website or in its content should be construed as granting the user any license, right, or interest whatsoever in and/or to Our IP, without our express written permission.
Cookies
We send cookies to your computer in order to uniquely identify your browser and improve the quality of our service. The term “cookies” refers to small pieces of information that a website sends to your device while you are browsing. We may use both session cookies (which expire once you close your browser) and persistent cookies (which remain on your computer until you delete them).
Persistent cookies can be removed by following your browser’s help file instructions. If you choose to disable cookies, some areas of Razorpay may not function properly.
Razorpay may use third-party tools that collect anonymous data about your visits through cookies and your interaction with Razorpay’s products and services. These third parties may use the collected data to show targeted advertisements. However, no personally identifiable information is collected or used in this process.
Razorpay users can opt out of this data sharing by disabling cookies in their browser. We recommend referring to your browser’s help documentation for guidance on cookie settings.
Transfer of Information
We do not share your Personal Information with any third party except for financial institutions such as banks, the Reserve Bank of India (RBI), or other regulatory agencies when required. We may also share it to provide services through Razorpay, perform quality assurance, help create user accounts, offer technical and customer support, or deliver specific services as instructed by you.
These third parties are obligated not to use your Personal Information for any purpose other than delivering the services requested by you.
We may share your Personal Information with our parent company, subsidiaries, joint ventures, or affiliates that are under common control, in which case we will require them to comply with this Privacy Policy. If our company or its assets are acquired by another entity, that entity will gain access to your Personal Information and will assume the rights and obligations with respect to your data as described in this Privacy Policy.
We may also disclose your Personal Information to third parties if we believe it is necessary to (a) investigate or take action regarding suspected illegal activities, (b) enforce our Terms and this Privacy Policy, (c) comply with applicable laws and legal processes such as subpoenas or court orders, or (d) protect our rights, property, or safety and that of our users, affiliates, or the general public.
We may share aggregate, non-identifiable data with third parties to describe user behavior, such as the number of users who have viewed or interacted with advertising content. No Personal Information is included in such disclosures.
Links
References on this Website to any names, marks, products, or services of third parties, or hyperlinks to third-party websites or information, are provided solely for your convenience. They do not constitute or imply our endorsement, sponsorship, or recommendation of the third party, or of the information, products, or services.
Except as otherwise stated in this Privacy Policy, we do not share your Personal Information with third parties and are not responsible for their privacy practices. We strongly recommend that you review the privacy policies of all third-party websites you visit.
User Access of Personal Information
As a registered Razorpay User, you may access and modify certain Personal Information and update your privacy preferences by navigating to the “Account” section of this Website. Keeping your information accurate and up to date is your responsibility, and we encourage regular review of your data.
Security
Your account is password protected. We use industry standard measures to protect the Personal Information that is stored in our database. We follow industry standard best practices on Information Security, as also mentioned on our website.
We limit the access to your Personal Information to those employees and contractors who need access to perform their job function, such as our customer service personnel. If you have any questions about the security on Razorpay, please contact us at disclosures@razorpay.com.
You hereby acknowledge that Razorpay is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorized manner.
Terms and Modifications to this Privacy Policy
Our Privacy Policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically. These changes will be effective immediately on the users of Razorpay.
Please note that at all times you are responsible for updating your Personal Information, including providing us with your most current e-mail address.
If you do not wish to permit changes in our use of your Personal Information, you must notify us promptly that you wish to deactivate your account with us. Continued use of Razorpay after any change or amendment to this Privacy Policy shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
Applicable Law
Your use of this Website will be governed by and construed in accordance with the laws of India. The users agree that any legal action or proceedings arising out of your use may be brought exclusively in the competent courts or tribunals having jurisdiction in Bengaluru, India, and irrevocably submit themselves to the jurisdiction of such courts or tribunals.
Complaints and Grievance Redressal
If you contact us to provide feedback, register a complaint, or ask a question, we will record any Personal Information and other content that you provide in your communication so that we can effectively respond to your communication.
Any complaints or concerns in relation to your Personal Information or the content of this Website, or any dispute or breach of confidentiality or proprietary rights of a user during use of the Website, or any intellectual property concerns, should be immediately informed to the Grievance cum Nodal Officer at the coordinates mentioned below in writing or by raising a grievance ticket through the hyperlink provided below.