Privacy Policy
Data by which you are identified is termed as “Personal Data”. Personal Data does not include any
information that is freely available or accessible in public domain. Your Privacy is of utmost
importance to us and protection of your Personal Data is a key commitment for us. We are also
governed by the Banking Codes and Standards Board of India and Information Technology (Reasonable
security practices and procedures and sensitive personal data or information) Rules, 2011 to
maintain the privacy of your Personal Data.
I. Personal Data
Personal Data we may collect from you are as under:
1. Personal details (e.g. name, contact details, residential address, date of birth, documents
such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license,
and/or education details) needed to avail other services from us.
2. Your details including transaction history, balances, payment details, for effecting transfer
of monies through various payment channels provided by us.
3. financial details (e.g. income, expenses, and/or credit history) needed as part of
application request for some of our services;
4. voice recordings of our conversations with our customer care agent with you to address your
queries/grievances;
5. employment details (e.g. occupation, positions held, employment history, salary and/or
benefits) as part of our record retention for Central KYC Records Registry (CKYCR) purposes
under Prevention of Money Laundering (Maintenance of Records) Rules, 2005
6. opinions provided by you to us by way of feedback or responses to surveys;
7. information obtained from your mobile device by way of using our app like device location,
communication information including contacts and call logs, device information (including
storage, model, mobile network), transactional and promotional SMS/app notifications.
II. Storage of Personal Data
We store and process your Personal Data only in India, in accordance with RBI circular in respect
of the Storage of Payment System Data dated 6th April 2018. Our data center and systems also
maintain backup and disaster recovery systems in India.
III. Sharing of your Personal Data
Any Personal Data that we have access to shall never be shared without your consent.
In various processes / submission of applications / availment of product offerings, we even seek
your explicit consent to use / share your Personal Data. In our business and operational
processes, we only share the data on a partial and “need-to-know” basis to designated personnel
or partners or service providers. We will share your data with competent/
legal/statutory/regulatory agencies / authorities or partners/service providers acting on our
behalf (as the case may be) in following cases:
1. only for enabling the provision of the services availed by you, strictly on a “need to know”
basis and subject to applicable laws.
2. it is directed or required by legal/regulatory / statutory / governmental authorities under
applicable laws/regulations though a legally obligated request.
3. it is required by financial institutions to verify, mitigate or prevent fraud or to manage
risk or recover funds in accordance with applicable laws/regulations.
IV. Usage of Your Personal Data
We use your Personal Data in our business Operations for providing our or our partners’
products/services and to perform, among other actions, the following:
To facilitate the transactions or report on these transactions;
To undertake research and analytics for offering or improving our services and their security
and service quality;
To check and process your requests submitted to us for products / services and / or instructions
or requests received from you in respect of these products / services;
To share with you, updates on changes to the products / services and their terms and
conditions;
To take up or investigate any complaints / claims / disputes;
To respond to your queries or feedback submitted by you;
To verify your identity for us to provide products / services to you;
To carry credit checks, screenings or due diligence checks as lawfully required by us;
To monitor and review services from time to time;
To undertake financial / regulatory / management reporting, and create and maintain various risk
management models;
For conducting audits and for record keeping purposes;
For selective offers and promotions.
We also use your Personal Data to fulfill the requirements of applicable laws / regulations and
/ or court orders / regulatory directives received by us.
- To facilitate the transactions or report on these transactions;
- To undertake research and analytics for offering or improving our services and their
security and service quality;
- To check and process your requests submitted to us for products / services and / or
instructions or requests received from you in respect of these products / services;
- To share with you, updates on changes to the products / services and their terms and
conditions;
- To take up or investigate any complaints / claims / disputes;
- To respond to your queries or feedback submitted by you;
- To verify your identity for us to provide products / services to you;
- To carry credit checks, screenings or due diligence checks as lawfully required by us;
- To monitor and review services from time to time;
- To undertake financial / regulatory / management reporting, and create and maintain various
risk management models;
- For conducting audits and for record keeping purposes
- For selective offers and promotions.
V.Cookie Policy
- Please note that a "cookie" is a small piece of information stored by a web server on a web
browser so it can be later read back from that browser.
- We may use cookie and tracking technology depending on the features offered.
- No Personal Data will be collected via cookies and other tracking technology; however, if
you previously provided Personal Data, cookies may be tied to such information.
VI. Links to other websites
Our website may contain links to other websites which are not maintained by us. This privacy
policy only applies to us. You are requested to read the other websites’ privacy policies when
visiting these websites.
VII. Reasonable Security Practices and Procedures
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 can not be used on different device without any additional authentication/OTP. Please do
not share your The Gold Pay login, pass word and OTP details with anybody.
VIII. Contact us
You may contact us on any aspect of this policy or for any discrepancies/grievances with respect
to your Personal Data, by writing at support@gwebcloud.com.
IX. Policy Review & Updates
This policy will be reviewed by us as and when required and the same may change at any time. The
latest & most updated policy can always be found at http://pjbill.com This privacy policy is
subject to change based on business, legal and regulatory requirements. You are kindly advised
to review the policy periodically to keep yourself abreast of any changes to the policy.