PAYJM is fully committed to maintain and protect the privacy, secrecy, security and integrity of the information received by it from persons accessing its website/mobile app, its members and their customers in accordance with applicable statutes, rules, regulations and directions issued thereunder. PAYJM adopts and implements best international standards and practices for protection, non-disclosure and privacy of information.

1.PRIVACY & SECURITY OF WEBSITE

PAYJM is committed to protect users’ privacy. PAYJM understands and appreciates concerns of visitors and users of its website about their privacy, confidentiality and security of information that may be provided by them to PAYJM. When a person visits PAYJM website, the website administrator uses cookies to monitor the edit facility used by PAYJM and to collect statistics by browser users, including information about the time and date when a visitor accessed the site, the pages he visited, the Internet domain and IP address from which she/he accessed the site and information on the browsing software he/she used to access the site. However, no attempt is made to gather or keep personal details to identify users except, in an unlikely event of an investigation, where a law enforcement agency may exercise a power to inspect activity logs. PAYJM website enables a visitor to access several other websites on which PAYJM has no control. PAYJM is not responsible for the content and the privacy practices of such websites. PAYJM encourages a visitor to examine each website’s privacy statement. PAYJM does not owe any responsibility to such visitor of PAYJM website for the access to other websites.

2.COLLECTION OF INFORMATION

PAYJM, in its role as a retail payment system service provider, may receive financial information of a person which may include name of bank, account number, withdrawal amount, cheque number, payee details etc. Collection of such information by PAYJM is in consonance with statutory and regulatory requirements and internal procedural and operating guidelines and bye-laws. The internal procedural, operating guidelines and bye-laws of PAYJM are duly documented.

3.STORAGE OF INFORMATION

As a corporate body and payment system service provider, PAYJM maintains the records and information in a safe and secured manner as per its policy and in compliance with the statutory provisions and directions for the period required by it and as prescribed by laws and rules etc. PAYJM does not allow any unauthorized access to the information stored by it in paper or electronic form. Personal information is stored in paper within PAYJM’s premises and electronic files on approved archives (or cloud servers provided by well reputed cloud service provider with all the required compliance). The information is securely stored and access is restricted to authorised personnel only. PAYJM incorporates confidentiality clause in non-disclosure agreement with entities having business with PAYJM to keep personal information secure and confidential and not to disclose the personal information to others, unless required by law or by an order of a court or by written instruction by PAYJM. Such non-disclosure agreements stipulate that all personal information obtained by other party from the arrangement with PAYJM will be returned or destroyed on termination/expiry of the non-disclosure agreement.

4.PROTECTION OF INFORMATION

It is PAYJM’s commitment to ensure that there are appropriate operational, physical, electronic, procedural and technical safeguards against any unauthorized access or breach of data security to avoid any loss or damage to the owners of confidential information. Some of the salient features of information security system are as under:

1. Use of firewalls, encryption and data leakage prevention technologies to protect information;
2. Audit of all vendors and service providers and execution of non-disclosure agreements before availing their services;
3. Continuous monitoring of PAYJM’s physical and technical environment for vulnerabilities and potential intrusions and implementation of controls to identify and address any concern related to protection of data.
4. PAYJM has comprehensive documented information security policy & procedures to ensure that the information provided to it is reasonably secure, available and with assured quality.

5.EMAIL

Email correspondence sent to PAYJM is treated as record and will be retained as required by law. The name and address details of senders are neither added to a mailing list nor disclosed to third parties without consent of the sender unless required by law. Email messages may be monitored by website support staff of PAYJM for system trouble shooting and maintenance purposes.

6.CONTACT

If anybody has any query about privacy and security practices of PAYJM, she/he may send their query by email to support@jmpayment.com

DISCLAIMER

The contents of website of PAYJM are provided for information purposes only. PAYJM makes no statement, representation or warranty about the accuracy or completeness of any information contained in its web site or which is incorporated into it by reference. PAYJM disowns and disclaims all responsibility and all liability (including, without limitation, liability in negligence or tort) for all expense s, losses, damages and costs one might incur as a result of the information being inaccurate or incomplete in any way for any reason. The information on PAYJM website is provided on the basis that all persons accessing the site undertake responsibility for making independent inquiry about the relevancy and accuracy of its content. PAYJM disclaims all liability for any damages arising from users’ access to, use of, or downloading of any material or part thereof from PAYJM website. Despite best efforts, PAYJM makes no warranty that the information in its website or any of the linked sites is free from any infection by computer viruses or other contamination.