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Privacy Policy

PAYROCKET TECHNOLOGY PRIVATE LIMITED PRIVACY POLICY

Last Updated: July 28, 2022

1. INTRODUCTION

Payrocket Technology Private Limited (“Payrocket,” “Unipe,” “we,” “us,” or “our”) respects the privacy of its Users (“User,” “your,” or “you”). This Privacy Policy (the “Privacy Policy”) explains how we collect, use, disclose, and safeguard your information when you use Payrocket Platform (the “Platform”) through Payrocket’s website at www.unipe.money (the “Website”) or Payrocket’s mobile application (the “App”).

 

Payrocket is committed to protecting the privacy of its Users whose information is collected and stored while using Payrocket’s Platform through our Website or App. This Privacy Policy is applicable to our Website, Platform and all applications offered for sale to the public.

 

Payrocket provides a SaaS-based platform and Android application that offers payroll services and compliance filing services for enterprise customers, and also provides financial Services like credit offering and savings options via our website and mobile applications for employees. 

 

The capitalized terms have the same meaning as ascribed in our Terms of Use or Terms of Service as applicable, unless otherwise noted here.

 

PLEASE READ THIS PRIVACY POLICY CAREFULLY TO UNDERSTAND OUR POLICIES AND PRACTICES REGARDING YOUR INFORMATION AND HOW WE WILL TREAT IT. BY ACCESSING OR USING OUR WEBSITE, APP, AND PLATFORM, YOU AGREE TO ACCEPT ALL THE TERMS CONTAINED IN THIS PRIVACY POLICY AND ACKNOWLEDGE AND AGREE WITH THE PRACTICES DESCRIBED HEREIN. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS AND USE OUR WEBSITE, APP, AND PLATFORM.

IF YOU HAVE ANY QUESTIONS REGARDING THIS PRIVACY POLICY, PLEASE SEND US AN EMAIL AT [info@unipe.money

WE ARE LOCATED IN INDIA AND OUR OPERATIONS ARE IN INDIA. OUR WEBSITE, APP AND PLATFORM IS ONLY AVAILABLE TO RESIDENTS IN INDIA. 

 

WE DO NOT SELL YOUR PERSONAL INFORMATION, NOR DO WE INTEND TO DO SO. 

 

2. TERRITORIAL RESTRICTION

Our Website, App, and Platform are only available for use and download outside the European Union. Our Website, App, and Platform are not available for use or download by residents of, visitors to, or your employees who reside in the European Union (collectively a “European”). If you are a European, please do not download, register, and/or use our Website, App, or Platform. If you are a resident of the United States (“US”), the laws of the State of Delaware, United States shall apply.  If you are a resident of any other country, please ensure compliance with all local laws prior to using our Website, App, or Platform.  You must comply with this Privacy Policy and our Terms of Use and Terms of Service, as applicable.

 

If you have any questions regarding this Section, please email us at info@unipe.money.

 

3. WHAT INFORMATION DO WE COLLECT?

 

When you register to use our Website, App, or Platform, we collect personal information (also referred to as personally identifiable information or “PII”) which may include your name, online contact information such as your email address or username, phone number, driver’s license or ID card number, biometric data, education information, professional or employment-related information, and other personal information. The information so collected will be stored on our servers. You are able to change your personal information via email by contacting us at info@unipe.money or through your profile or account settings on our Website, App, or Platform. 

 

 a. Geolocation and Equipment Information.  We may collect information that does not personally identify you such as (i) your

     geolocation, and (ii) information about your internet connection, the equipment you use to access our Website, App, or

     Platform, and usage details.

 

 b. Financial Information. We currently do collect and store credit cards or bank information, and we are using a third-party

     payment processor, Cashfree. 

 

4. HOW DO WE COLLECT INFORMATION?

We collect personal information from you in the following ways:

 a. At registration on our Website, App, or Platform; 

 b. In email, text, and other electronic messages between you and our Website, App, or Platform;

 c. Through mobile and desktop applications your downloads from our Website, App, or Platform, which provides dedicated

     non-browser based interaction between you and our Website, App, or Platform; 

 d. When you interact with our advertising and applications on third-party website and services, if those applications or

      advertising include a link to this Privacy Policy; 

 e. From you placing an order, which includes details of transactions you carry out on our Website, App, or Platform;

 f.  When you subscribe to a newsletter; 

 g. From your responses to a survey; 

 h. From forms filled out by you; and 

 i.   From records or copies of correspondences (including email addresses) if you contact us. 

 

5. HOW DO WE USE YOUR INFORMATION?

 

We use the information that you provide to:

 

 a.   Personalize your experience in using our Platform; 

 b.   Provide you with information, products, or services requested from us;

 c.   Present our Website, App, and Platform and their contents to you;

 d.   Provide you with notices about account and/or subscription, including expiration and renewal notices;

 e.   Carry out obligations and enforce rights arising from contracts entered into between you and us, including billing and

       collection; 

 f.    Notify you about changes to our Website, App, and Platform and any products or services; 

 g.   Allow you to participate in interactive features on our Website, App, and Platform; 

 h.   Improve the Website, App, and Platform; 

 i.    Improve our customer service;

 j.    Administer contests, promotions, and surveys or other Website, App, and Platform features; 

 k.   Process transactions;

 l.    Anonymize data and aggregate data for statistics;

 m. Contact you for other purposes with your consent;

 n.   Contact you about our products and services that may be of interest; 

 o.   Contact you about third parties’ goods and services; 

 p.   Enable the display of advertisements to our advertisers’ target audiences, although personal information is not shared with

       advertisers without your consent; and

 q.   Send you periodic emails, in accordance with the CAN-SPAM Act of 2003 as detailed in Section 14, via the email address

       provided by you to (i) send information, respond to inquiries, and/or other requests or questions; (ii) process orders and send

       information and updates pertaining to such orders; (iii) send additional information related to your product and/or service;

       and (iv) market to our mailing list or continue to send email to you after the original transaction has occurred. 

All information collected will be used to build a credit risk score using our proprietary credit scoring algorithm for individuals, which you will be able to get credit services from our Platform via our App.

6. OUR COOKIE POLICY

Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this Privacy Policy, we refer to all of these technologies as “Cookies.” 

 

We use Cookies on our Website and App to (a) help remember and user journey, (b) understand and save your preferences for future visits, (c) keep track of notifications, (d) compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future, and (e) allow trusted third-party services that track this information on our behalf.  You can set your browser to refuse all or some browser Cookies, but it may affect your user experience. We honor Do Not Track signals and, if one is in place, we will not track, plant cookies, or use advertising. 

 

Occasionally, at our discretion, we may include or offer third-party products or services on our Website, App, or Platform.  These third-party sites have separate and independent privacy policies.  We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Website, App, or Platform and welcome any feedback at about these sites.  Please contact us at info@unipe.money.

 

7. HOW DO WE PROTECT INFORMATION WE COLLECT?

 

Our Website and App receive regular security scans and penetration tests.  Our Website and App also receive regular malware scans.  In addition, our Website and App use an SSL certificate as an added security measure. We require username and passwords for our employees who can access your personal information that we store and/or process on our Platform and servers. In addition, we actively prevent third parties from getting access to your personal information that we store and/or process on our Platform and servers.  We accept payment by credit card through a third-party credit card processor on our behalf.  

 

8. DATA SECURITY MEASURES.

 

 a. Security Measures.  We have implemented measures designed to secure your personal information from accidental loss and

     from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers

     behind firewalls.  The safety and security of your information also depends on you. Where we have given you (or where you

     have chosen) a password for access to certain parts of our Website, App, or Platform, you are responsible for keeping this

     password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information

     via the internet is not completely secure. Although we do our best to protect your personal information, we cannot

     guarantee the security of your personal information transmitted to our Website, App, or Platform. Any transmission of

     personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security

     measures contained on our Website, App, or Platform. 

 b. Fair Information Practice Principles.  In the event of a personal data breach, we will notify you within forty-eight (48) hours

     via (i) email and/or (ii) our Platform notification system on our Website and/or App.  We agree to the individual redress

     principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and

     processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data

     users, but also that that individuals have recourse to courts or a government agency to investigate and/or prosecute non

     compliance by data processors.

 c. Open-Source Software: We use the following open-source software in the provision of our Services, which can be found here.

 

9. DISCLOSURE OF PERSONAL INFORMATION

 

There are times when we may share Personal Information that you have shared with us may be shared by Payrocket with others to enable us to provide you over Services, including contractors, service providers, and third parties (“Partners”). This section discusses only how Payrocket may share such information with Partners. We will ensure that our Partners protect your Personal Information. The following describe how and with whom we may share your Personal Information: 

 

Disclosure of Personal Information. 

 

 a. We may disclose aggregated, de-personalized information about you that does not identify any individual to other parties

     without restriction, such as for marketing, advertising, or other uses.   

 b. We may disclose personal information in the event of a merger, sale of business, etc.

 c. We require all other Partners, to whom we disclose your personal information, to enter into contracts with us to keep

     personal information confidential and use it only for the purposes for which we disclose it to such Partners. 

Other Disclosure of Personal Information. 

 

 a. We will disclose personal information (i) to comply with any court order, law, or legal process, including to respond to any

     government or regulatory request, (ii) to enforce or apply our Terms of Use or Terms of Service and other agreements,

     including for billing and collection purposes, (iii) if we believe it is necessary or appropriate to protect the rights, property, or

     safety of Payrocket, our customers or others, and/or (iv) if it is necessary or appropriate to protect the rights, property, or

     safety of Payrocket, our customers, or others, and this includes exchanging information with other companies and

     organizations for the purposes of fraud protection and credit risk reduction.

 

Third Party Disclosure.

 

 a. We do not sell, trade, rent, or otherwise transfer personal information to others, unless we provide you with advance notice. 

     This does not include our hosting partners and other parties who assist us in operating our Website, App, or Platform,

     conducting our business, or servicing you, so long as those parties agree to keep this information confidential.  

Choices Users Have About How Payrocket Uses and Discloses Information. 

 a. Disclosure of Users’ Information for Third-Party Advertising.  Users can opt-out by (i) checking the relevant form when we

     collect the data; or (ii) logging into the Website, App, or Platform and adjusting their preferences in their account profile by

     checking or unchecking the relevant boxes. 

10. YOUR CALIFORNIA PRIVACY RIGHTS

Payrocket does not sell, trade, or otherwise transfer to outside third parties your “Personal Information” as the term is defined under the California Civil Code Section § 1798.82(h).  Additionally, California Civil Code Section § 1798.83 permits Users of our Website, App, or Platform that are California residents to request certain information regarding our disclosure of their Personal Information to third parties for their direct marketing purposes. To make a request for such disclosure, or identification and/or deletion of Personal Information in all our systems that we store on you, please send an email to info@unipe.money or write us at Payrocket Technology Private Limited, No. 32, Kumbarahalli, Hesaragata Hobli, Bangalore, Karnataka 560090. 

 

Note that (i) if we delete your Personal Information as requested, we will no longer be able to provide our services to you and (ii) we may need to keep such Personal Information for a while during the shutting down and billing process. If you would like to discuss our Personal Information storage and processing process with us, please send us an email at info@unipe.money or write us at Payrocket Technology  Private Limited, No. 32, Kumbarahalli, Hesaragata Hobli, Bangalore, Karnataka 560090. 

 

11. CALIFORNIA CONSUMER PRIVACY ACT 

This Section supplements the information contained in our Privacy Policy above and applies solely to all visitors, users, and others to our Website, App, or Platform, who reside in the State of California (“consumers” or “you”). We adopt this Section to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this Section. 

 a. Right to Request Personal Information. Upon request, we will provide you with (i) a list of all Personal Information that we

     have collected on you, (ii) from whom we obtained such Personal Information, (iii) the reason why we collected such

     Personal Information, and (iv) with whom (if any) we have shared such Personal Information. If we sell your Personal

     Information or disclose your Personal Information to third parties, upon request, we will provide you with (i) a list of the

     Personal Information that we have collected on you, (ii) a list of the Personal Information that we sell or disclose to others on

     you, and (iii) to whom we have sold or disclosed your Personal Information. A consumer can make such a request only twice

     in a 12-month period. 

We require such Personal Information to be able to provide to you our Services. 

Unless otherwise specified, we only collect Personal Information from you. We do not use others to provide us with your Personal Information.

 a. Disclosure of Personal Information. We only share your Personal Information with service providers, e.g., billing and

     collection agents, who enable us to provide our Services to you. We do not sell or give your Personal Information to third

     parties for purposes unrelated to our provision of Services to you.

 b. Right to have Personal Information Deleted. Upon request, we will delete all of your Personal Information that we have

     collected on you and will direct our Service Providers to also delete all of your Personal Information. But note that if we do

     delete all of this Personal Information, you will no longer be able to use our Services.

 c. Non-Discrimination Right. We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by

     the CCPA, we will not:

      i.   Deny you goods or services.

      ii.  Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or

           imposing penalties.

      iii. Provide you a different level or quality of goods or services.

      iv. Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or

           services.

 

 d. Financial Incentives. However, we may offer you certain financial incentives permitted by the CCPA that can result in

     different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your

     personal information’s value and contain written terms that describe the program’s material aspects. Participation in a

     financial incentive program requires your prior opt in consent, which you may revoke at any time.

 

 e. Contact Information. You may contact us (i) at info@unipe.money or (ii) by writing to us at Privacy Officer, at No. 32, Kumbarahalli,

     Hesaragata Hobli, Bangalore, Karnataka 560090 to (i) make a Personal Information Request, (ii) lodge a complaint about our

     use or storage of your Personal Information, (iii) ask us to delete such Personal Information, and/or (iv) discuss

     our Privacy Policy and/or anything that has to do with it. We will respond within forty-five (45) days of receiving such request

     or query. Additionally, in order for us to respond to your request or query, we will need to collect information from the

     requesting party to verify their identity.

 f. Under 16. We will not sell your Personal Information if you are under the age of 16 unless we have the consent of your parent

     or your guardian nor will we sell it if you ask us not to do so.

 g. Opt Out Right.  Upon your request, we will stop selling your Personal Information (sometimes called your Opt Out Right).

     You may send the request to Opt Out (i) to info@unipe.money, or (ii) by writing to us at Privacy Officer, No. 32, Kumbarahalli,

     Hesaragata Hobli, Bangalore, Karnataka 560090. 


 

12. COPPA COMPLIANCE (FOR CHILDREN UNDER 13 USERS ONLY)

 

The Children’s Online Privacy Protection Act (“COPPA”) is a federal legislation that applies to entities that collect and store “Personal Information,” as the term is defined under COPPA, from children under the age of 13. We are committed to ensure compliance with COPPA. Our Website, App, and Platform are not meant for use by children under the age of 13. Our Website, App, and Platform do not target children under the age of 13, but we do not age-screen or otherwise prevent the collection, use, and personal disclosure of persons identified as under 13. If you would like to know more about our practices and specifically our practices in relation to COPPA compliance, please email us at info@unipe.money

 

IF YOU ARE UNDER 13, PLEASE DO NOT ACCESS OR USE OUR WEBSITE, APP, OR PLATFORM. 

 

13. CAN-SPAM ACT OF 2003

 

The CAN-SPAM Act establishes requirements for commercial messages, gives recipients the right to have businesses stop emailing them, and spells out penalties for violations.  Per the CAN-SPAM Act, we will:

 a. not use false or misleading subjects or email addresses; 

 b. identify the email message as an advertisement in some reasonable way; 

 c. include the physical address of Payrocket Technology Private Limited., which is No. 32, Kumbarahalli, Hesaragata Hobli,

     Bangalore, Karnataka 560090;

 d. monitor third-party email marketing services for compliance, if one is used;

 e. honor opt-out/unsubscribe requests quickly; and

 f.  give an “opt-out” or “unsubscribe” option.    

 

If you wish to opt out of email marketing, follow the instructions at the bottom of each email or contact us at info@unipe.money and we will promptly remove you from all future marketing correspondences.

 

14. MODIFICATIONS TO OUR PRIVACY POLICY

 

Payrocket reserves the right, at its sole discretion, to change or modify this Privacy Policy at any time. In the event we modify this Privacy Policy, such modifications shall be binding on you only upon your acceptance of the modified Privacy Policy. We will inform you about the modifications on our Privacy Policy page via email, on our Website, App, or Platform by posting a modified version of the Privacy Policy page, or by a comparable means within a reasonable time period.  Your continued use of our Website, App, or Platform shall constitute your consent to such changes.

 

15. LIST OF THIRD-PARTY SERVICE PROVIDERS

 

Payrocket uses the following third-party service providers for the provision of services as detailed under the Terms of Use or Terms of Service, as applicable

 

 

 

 

 

 

 

 

 

 

Additionally, if you have any questions or concerns about our third-party service providers, please email us at info@unipe.money.  

16. COPYRIGHT INFRINGEMENT/DMCA NOTICE

 

If you believe that any content on our Website, App, or Platform violates your copyright, and you wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to the Digital Millennium Copyright Act of 1998 (“DMCA Takedown Notice”)) must be provided to our designated Copyright Agent. 

 a. Your physical or electronic signature;

 b. Identification of the copyrighted work(s) that you claim to have been infringed;

 c. Identification of the material on our Website, App, or Platform that you claim is infringing and that you request us to remove;

 d. Sufficient information to permit us to locate such material;

 e. Your address, telephone number, and email address;

 f.  A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright

     owner, its agent, or under the law; and

 g. A statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner

     of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

 

Payrocket’s Copyright Agent to receive DMCA Takedown Notices is [Anupam Acharya], at info@unipe.money and at Payrocket Technology Private Limited, Attn: DMCA Notice, No. 32, Kumbarahalli, Hesaragata Hobli, Bangalore, Karnataka 560090. You acknowledge that for us to be authorized to take down any content, your DMCA Takedown Notice must comply with all the requirements of this Section. Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by Payrocket in connection with the written notification and allegation of copyright infringement. 

 

17. CONTACT US 

 

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at:

  • Privacy Officer

  • Email: info@unipe.money 

  • Address: Payrocket Technology Private Limited, No. 32, Kumbarahalli, Hesaragata Hobli, Bangalore, Karnataka 560090 

 

PLEASE NOTE: IF YOU USE OUR WEBSITE, APP, OR PLATFORM, YOU HAVE AGREED TO AND ACCEPTED THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY AND THE TERMS AND CONDITIONS SET FORTH IN OUR TERMS OF USE OR OUR TERMS OF SERVICE, AS APPLICABLE.  IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY OR OUR TERMS OF SERVICE, PLEASE DO NOT USE OUR WEBSITE, APP, OR PLATFORM.

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