We are sensitive to the scenario that We would be dealing with data and information of users. By using Our Website (www.anpay.in) and related mobile applications.You consent to the terms of Our online Privacy Policy and to Our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to Our services. We request You to read this Policy in accordance with Terms of Use and to use these to make informed decisions. This Privacy Policy sets out how Anpay uses and protects any information that You provide when You use Our Website for any transaction. We are committed to ensuring that information shared by You is protected and We assure You that it shall solely be used in accordance with this Privacy Policy.
Anpay application is used to Your can make-Recharge your Mobile or DTH, Bill payments like Electricity, Gas, Water, LPG Cylinder, Credit Card Bill Payment, Insurance Premium payment and so much more!
We follow systematic procedures to protect the security of the information/data shared with Us and stored on our Website. The information that You have shared on our Website is stored on a secure server with encryption and can be accessed only for official purposes. Any of Our employees who violate Our privacy and/or security policies related to customer data is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.
In the sign-up procedure, You are required to provide basic mandatory information like Your name, and mobile number, details We never request more information than is reasonably necessary to provide requested services. We assume all the information provided by You is true, accurate, current, non-misleading, consistent, and relevant. Once the registration process is completed, the said mobile number and password can be used to access Your account every time You visit Our Website.
Anpay does not sell products for purchase by children. We sell children's products for purchase by adults. If you are under the age of 18 years, you may use Anpay Services only with the involvement of a parent or guardian.
By providing Us Your Information or by making use of the Anpay Services provided by the Anpay App or Anpay platforms, You hereby consent to the collection, storage, processing, disclosure and/or transfer of any or all of Your Personal Information (as defined below), Sensitive Personal Information (as defined below) and Non-Personal Information (as defined below) by Anpay Entities, as specified under this Privacy Policy. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website/Application to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.
We and our Service Providers or Business Partners may also collect information made publicly available through other third-party platforms, through online or offline databases that are otherwise legitimately obtained and are subject to the third party's terms of use and/or privacy statement.
We and our Service Providers use data collection tools such as cookies/similar,etc on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. We offer certain features that are only available through the use of a "cookie".
We and our Service Providers 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, You are always free to decline our cookies if your device permits, although in that case you may not be able to use certain features on the app and you may be required to re-enter your password more frequently during a session.
We use your personal information to operate, provide, develop, and improve the products and services that we offer our customers. These purposes include:
Anpayis required, under applicable laws, to retain certain records for a period as suggested by regulatory authorities even after closure of Your Anpay account,which will include your personal data such as your name, contact details, customer number, and transaction history, etc. ("Retained Data"). Other than the Retained Data, we will delete and destroy all Personal Information that we hold about you when you (or we) terminate your Anpay account. We do not store your online banking login PIN, TAN, and/or password
Upon receiving your explicit consent, Anpay will have access to, use, store, and retain certain information including your contact list, SMS logs, and data, and location details.
Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from Anpay requesting your personal or security details, please do not respond to it ("Such E-mail"). Please forward any Such E-mail to dispute@anpay.in and thereafter delete the e-mail immediately.
Information about our customers is an important part of our business and we are not in the business of selling our customers’ personal information to others. We share customers’ personal information only as described below and with Anpay.in, Inc. and subsidiaries tha Anpay.in Inc. controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.
Other than as set out above, you will receive notice when personal information about you might be shared with third parties, and you will have an opportunity to choose not to share the information.
We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time. We have provided multiple levels of security to safeguard your app by Login/Logout option and AppLock feature that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication/OTP. Please do not share your Anpay login, password and OTP details with anybody
In order to comply with anti-money laundering laws that exist in various jurisdictions we reserve the right to report suspicious transactions to federal, state, provincial or local authorities and law enforcement agencies within those jurisdictions. In exchange for us permitting you to participate in, use and access our Website and services you hereby grant us the right to report any transactions which we deem suspicious, as determined solely by Anpay acting in its sole discretion. Examples of a suspicious transaction include but are not limited to use of funds suspected to be derived from illegal activities, any suspected intention to conceal or disguise funds derived from illegal activities, or suspicion that the involvement of our Website and services is in any manner intended to facilitate criminal activity. If for any reason we are of the belief or become aware of any transaction which we deem suspicious in nature, we may without prior notice or explanation to you take the following actions, which are in addition to all other rights and remedies available to us under this Privacy Policy, at law or in equity:
report such transaction to the applicable central, state, provincial or local authorities and law enforcement agencies; de-activate or terminate your Anpay account forthwith; withhold any funds held in your Anpay wallet; and/or restrict you from registering a Anpay account on or with our Website or any of our affiliated websites.
We may contact you via the e-mail address and phone number registered with your Anpay account. You may also receive system-generated transaction e-mails such as confirmations, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your Anpay account. You expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the National Do Not Call Registry.
As a Anpay account holder, you will occasionally receive information by e-mail from us, unless you have expressly chosen not to receive such communication, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us. However please note that you will still receive communication regarding your Anpay account such as transactional e-mails or other notifications affecting the operation of your Anpay account or our legal relationship.
Please read these conditions carefully before using the Anpay website& App. By using the Anpay website, you signify your agreement to be bound by these conditions.
In addition, when you use any current or future Anpay service (eg. Wish List or Marketplace) (" Anpay Service"), you will also be subject to the terms, guidelines and conditions applicable to that Anpay Service. ("Terms"). If these Conditions of Use are inconsistent with such Terms, the Terms will control.
These "Conditions of Use" constitute an electronic record within the meaning of the applicable law. This electronic record is generated by a computer system and does not require any physical or digital signatures.
Third-Party Advertisers and Links to Other Websites: Anpay Services may include third-party advertising and links to other websites and apps. Third-party advertising partners may collect information about you when you interact with their content, advertising, and services. For more information about third-party advertising a Anpay , including interest-based ads, please read our Interest-Based Ads policy. To adjust your advertising preferences, please go to the Advertising Preferences page. Use of Third-Party Advertising Services: We provide ad companies with information that allows them to serve you with more useful and relevan Anpay ads and to measure their effectiveness. We never share your name or other information that directly identifies you when we do this. Instead, we use an advertising identifier like a cookie or other device identifier. For example, if you have already downloaded one of our apps, we will share your advertising identifier and data about that event so that you will not be served an ad to download the app again. Some ad companies also use this information to serve you relevant ads from other advertisers. You can learn more about how to opt-out of interest-based advertising by going to the Advertising Preferences page.
You can access your information, including your name, address, payment options, profile information, Prime membership, household settings, and purchase history in the "Your Account" section of the website or mobile application. Click here for a list of examples that you can access. To request access to personal information that is not available through Your Account you can submit a request here.
"Cookies" are small computer files that are transferred to your computer's hard drive that contain information such as user ID, user preferences, lists of pages visited and activities conducted while browsing the Website. At your option, expense and responsibility, you may block cookies or delete cookies from your hard drive. However, by disabling cookies, you may not have access to the entire set of features of the Website.
Generally, we use Cookies to customize your experience on our Website and to store your password so you do not have to re-enter it each time you visit the Website.
In addition, our business partners may use Cookies to provide us with anonymous data and information regarding the use of our Website. Specifically, some of our business partners use Cookies to show the Website's ads on other websites on the internet as a result of you using the Website. Such Cookies do not contain any Information. You may opt out of receiving Cookies placed by such third party vendors by visiting the opt-out page.
Other Cookies used by our business partners may collect other non-personally identifying information, such as the computer's IP address, type of operating system, type of internet browsing software, what web pages were viewed at what time, the geographic location of your internet service provider and demographic information, such as gender and age range. This information is used to provide the Website with more information about our user's demographics and internet behaviours. You may find out more about the information collected and how to opt-out of receiving these Cookies by visiting our partner's website.
We do not link the information stored in these Cookies directly to any of your Information you submit while on the Website.
These are cookies which are essential for our Website to operate such as those which identify you so you can log into your Anpay account. They allow you to move around our Website and use the services you have requested. These Cookies will be activated when you enter our Website and as you use our Website.
These include Cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your Anpay account from being hijacked. These cookies will be activated when you enter our Website and as you use our Website.
These are Cookies that help us to improve how our Website works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the Website of one of our group or affiliated companies. All information collected by these Cookies is aggregated and therefore anonymous.
These Cookies allow us to deliver a more personalised service to you and allow our Website to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.
When you visit a page on our Website with content embedded from third parties, for example, YouTube or Twitter, Cookies may be downloaded onto your device. We do not set or control these Cookies. If you are concerned about the types of Cookies that may be downloaded you check the third party websites for more information about these Cookies.
We may use other Cookies from time to time in accordance with this Privacy Policy. By using our Website and other online services, you acknowledge that we may use some or all of the Cookies set out in this Privacy Policy and you agree that we can place performance and functionality Cookies on your device when you use our Website. If you do not agree to this you should cease using our Website and online services or adjust your browser settings.
If you have any questions as to how we collect and use your personal information, please contact our Grievance Officer. Many of our Anpay Services also include settings that provide you with options as to how your information is being used
Should you want to continue using our services but restrict our use of Cookies, you can block Cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all Cookies (including Strictly Necessary and/or Compliance Cookies, as described above) you may not be able to access all or parts of our Website. Our Website may issue some of the Cookies described above as soon as you visit our Website unless you have adjusted your browser setting so that it will refuse Cookies.
We may use third party website analytics services in connection with the Website. These website analytics services do not collect information that you do not voluntarily enter into the Website. These services do not track your browsing habits across websites which do not use their services. We are using the information collected from these services to find usability problems to make the Website easier to use. The recordings will never identify you or your account.
To maintain a high level of security, we reserve the right to conduct a security review at any time to validate your identity, verify your financial transactions and further document your consent to this Privacy Policy. To facilitate these security checks, you agree to provide such identification or other information or documentation as we, in our sole and unfettered discretion, deem necessary. If you fail to comply with any security request, we reserve the right to void your Anpay account. You will be notified of such verification request by e-mail or telephone and your Anpay account balances will be forfeited if you fail to provide us with such requested documentation and information within the time period reasonably specified by us. Such request for documentation and information may include a sworn affidavit of identity and eligibility, release of liability in favour of us and publicity authorization…
You may choose not to provide us with any Information while accessing the Website. In such an event, you can still access much of the Website; however you will not be able to access and use those portions of the Website that require your Information.
If cookies are disabled on your computer, tablet or mobile your experience on the website may be limited. For example, you may not be able to browse freely or use specific functions or features.
To disable or enable cookies you will need to change some settings on your Internet browser. We have provided step-by-step guides for the major desktop browsers below.
For information on how to manage cookies on your tablet or mobile please consult your documentation or online help files.
Google Chrome:
Firefox:
Internet Explorer 6+:
Safari:
Any other browser:
For information on how to manage cookies via other desktop browsers please consult your documentation or online help files.
Please read the following terms and conditions carefully before registering, browsing, downloading or using the site. By using the site or by using our services, you agree to be bound by these terms and conditions set forth below including any additional guidelines and future modifications that we implement from time to time. If at any time you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may refrain from using the site and immediately terminate your use of the services.
The Terms and Conditions (as may be amended from time to time) is a legal contract and an agreement between you, an individual customer, member, user, or beneficiary of this service of at least 18 years of age ("You"), and Anpay (together with its subsidiaries and other affiliates, "us", "we", " Anpay "), regarding Your use of our prepaid mobile/DTH recharge services (known as "Service") to purchase prepaid mobile/DTH recharge (known as "Recharge") and related Services on our website Anpay (known as the "Site"). Anpay .in reserves the right, at its sole discretion, to revise, add, or delete portions of these terms and conditions any time without further notice which shall be your responsibility to visit from time to time in order to stay abreast of any changes that the "Site" may introduce. The services hereunder are offered by Anpay , located at:
You shall be at least 18 years of age or over to register and avail the services of the "Site". You represent and warrant that he/she has the right, authority, and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement. You shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age or affiliation with any person or entity. The "Site" may terminate the registration of the "User", and any content or information that You have posted on the "Site" and/or prohibit You from using or accessing the Service or the Site (or any portion, aspect or feature of the Service o+r the Site) for any reason including the reasons stated above, at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18 years of age. Account Passwords and Registration You agree that the information You provide to Anpay on registration and at all other times, including payment, will be true, accurate, current, and complete. You also agree that you will ensure that this information is kept accurate and up-to-date at all times. If You have reason to believe that Your Account is no longer secure (e.g., in the event of a loss, theft or unauthorized disclosure or use of Your account ID, PIN, Password, or any credit, debit or prepaid cash card number or netbanking login/password, if applicable), then You agree to immediately notify Anpay and indemnify Anpay from any liabilities that may arise from the misuse of Your Account.
Impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another persons' digital signature, misrepresent the source, identity, or content of information transmitted via the Services, perform any other similar fraudulent activity or otherwise purchase Recharge with what we reasonably believe to be potentially fraudulent funds; infringe our or any third party's intellectual property rights, rights of publicity or privacy; post or transmit any message which is libelous, defamatory or which discloses private or personal matters concerning any person; refuse to cooperate in an investigation or provide confirmation of Your identity or any other information You provide to Anpay ; reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Services or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation; interfere or disrupt this Site or networks connected to this Site take any action that imposes an unreasonably or disproportionately large load on our infrastructure/ network; forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through our Site or to manipulate your presence on our Site; sell the Services, information, or software associated with or derived from it; breach this Agreement or any other Anpay agreement or policy; provide false, inaccurate or misleading information; use the Site to collect or obtain personal information, including without limitation, financial information, about other users of the Site; purchase Recharge with what Anpay reasonably believes to be potentially fraudulent funds; use the Services in a manner that results in or may result in complaints, disputes, reversals, charge backs, fees, fines, penalties and other liability to Anpay , a third party or You; use the Services in a manner that Anpay or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules; take any action that may cause Anpay to lose any of the Services from its service providers, Telcos, payment processors or other suppliers.
The Services and/or the Site may include links or references to other web sites or services solely as a convenience to users ("Reference Sites"). Anpay does not endorse any such Reference Sites or the information, materials, products, or services contained on or accessible through Reference Sites. In addition, Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Services and/or the Site are solely between You and such entity. Access and use of reference sites, including the information, materials, products, and services on or available through reference sites is solely at your own risk.
You agree that Anpay , in its sole discretion, for any or no reason, and without penalty, may suspend or terminate Your account (or any part thereof) or Your use of the Services and remove and discard all or any part of Your account, Your user profile, or Your recipient profile, at any time. Anpay may also in its sole discretion and at any time discontinue providing access to the Services, or any part thereof, with or without notice. You agree that any termination of Your access to the Services or any account You may have or portion thereof may be effected without prior notice, and You agree that Anpay will not be liable to You or any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Anpay may have at law or in equity. Upon termination for any reason, You agree to immediately stop using the Services.
In no event will Anpay or its contractors, agents, licensors, partners, or suppliers be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to
You agree to indemnify, save, and hold Anpay , its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the services or of the site, any violation by you of this agreement, or any breach of the representations, warranties, and covenants made by you herein. Anpay reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Anpay , including rights to settle, and you agree to cooperate with Anpay's defense and settlement of these claims. Anpay will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this agreement.
To the fullest extent permissible pursuant to applicable law, Anpay and its third-party partners, licensors, and suppliers disclaim all warranties, statutory, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by you from Anpay or through the services or the site will create any warranty not expressly stated herein. You expressly acknowledge that as used in this section, the term " Anpay " includes Anpay 's officers, directors, employees, shareholders, agents, licensors, subcontractors and affiliated companies.you ackknowledge that Anpay is a reseller and is not liable for any 3rd party (telcos & suppliers) obligations due to rates, quality, and all other instances, whether to any such telco's subscribers or otherwise. You expressly agree that use of the services and the site is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the internet generally. We do not warrant that the service will be uninterrupted or error-free or that defects in the site will be corrected. The services and the site and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an "as is" and "as available,""with all faults" basis and without warranties or representations of any kind either express or implied. Anpay , and its third party suppliers, licensors, and partners do not warrant that the data, Anpay software, functions, or any other information offered on or through the services, the site or any reference sites will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. Anpay and its third party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the services, the site or any reference sites in terms of correctness, accuracy, reliability, or otherwise. you understand and agree that you use, access, download, or otherwise obtain information, materials, or data through the services, the site or any reference sites at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and device) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and you should not rely on any such statement. This paragraph shall survive termination of this agreement. In no event will Anpay be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the site.
The services and the site are owned and operated by Anpay and/or third party licensors. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the services and the site provided by Anpay (the "materials") are protected by indian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between you and Anpay , all materials, trademarks, service marks, and trade names contained on the site are the property of Anpay and/or third party licensors or suppliers. You agree not to remove, obscure, or alter Anpay or any third party's copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the services. Except as expressly authorized by Anpay , you agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the materials. Anpay reserves all rights not expressly granted in this agreement. If you have comments regarding the services and the site or ideas on how to improve it, please contact us on info@Anpay.in or send us a message on the contact us page. Please note that by doing so, you hereby irrevocably assign to Anpay , and shall assign to Anpay , all right, title and interest in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.
AnPay may elect to resolve any dispute, controversy or claim arising out of or relating to this agreement or service provided in connection with this agreement by binding arbitration in accordance with the provisions of the indian arbitration & conciliation act, 1996. Any such dispute, controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Balurghat, India and judgment on the arbitration award may be entered in any court having jurisdiction thereof. All administrative fees and expenses of an arbitration will be divided equally between you and us. In all arbitrations, each party will bear the expense of its own lawyers and preparation. The language of arbitration shall be english.
Except as otherwise agreed by the parties or as described in the arbitration section above, you agree that any claim or dispute you may have against Anpay must be resolved by a court situate in Balurghat, India. This agreement shall be governed by the laws of india, without giving effect to any principles of conflicts of law.
If any provision of this agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.
This agreement, and any rights granted hereunder, may not be transferred or assigned by you without our prior written consent which may be withheld in our sole discretion, but may be assigned by us without restriction. Any assignment attempted to be made in violation of this provision shall be void and of no effect. Refund Policy for B2B Customer :- B2B customer, takes the balance. In any event, the balance will not return.
Quoted Anpay Fees is exclusive of any applicable taxes, all of which shall be the liability of and charged to you. Anpay shall be entitled, without exception and at its discretion, to deduct from any payments to be made to you, all outstanding Anpay Fees and any taxes.
We reserve the right, at any time, to add to, change, update, or modify this Privacy Policy so please review it frequently. If we do, then we will notify you here, as well as by posting a notice on our Website and, where appropriate, a link to the modified policy so that you can review it. In all cases, use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.
