This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures to make the terms of this policy binding.
ynb online Services Private Limited, a company incorporated under the Companies Act, 1956 having its registered office at Streen No:5, Sunder Nagar, Near Lovely Medical, Lohara, Ludhiana, Punjab- 141016(hereinafter referred to as “Ynbpay”) owns and operates www.ynbpay.in(“Website/Platform”).
We promise that we will not sell or rent your personal information to third parties or use the same for unsolicited emails or messages without your explicit consent. From time to time we may reveal general statistical information about our Platform/Website and visitors, such as number of visitors, services purchased, etc. Your trust and confidence are our highest priority.
Ynbpay uses Personal Information for providing User with services explicitly requested by the User, to resolve disputes, troubleshoot concerns, for promoting safe services, collect money, assess User’s interest in our services, inform User about offers, services, updates, customize User’s experience, detect & protect Ynbpay against error, fraud and other criminal activity, enforce our terms and conditions, etc.
Ynbpay may collect non-personal information about User whenever they use and interact with the services. Non-personal information may include the browser name, the type of computer and technical information about means used by the User to connect to Ynbpay services, such as the information about the operating system and the internet service providers utilized and other similar information.
This information is aggregated and used to help Ynbpay provide more useful information to the User and to understand which part of the services, its products and services are of most interest.
If Ynbpay does combine non-personal information with Personal Information, the combined information will be treated as Personal Information for as long as it remains combined.
A cookie is a small file which asks permission to be placed on the User’s desktop/laptop/mobile device's memory drive. Once the User agrees, the file is added and the cookie helps analyse web traffic. Cookies allow services to respond to the User as an individual. The services can tailor its operations to the User’s needs, likes and dislikes by gathering and remembering information about the User’s preferences.
Cookies help us better understand User’s behaviour, and tell us which part of the services Users have visited and facilitates and measure the effectiveness of products and services offered by us. We treat information collected by cookies and other technologies as non-personal information. However, to the extent that internet protocol (IP) addresses or similar identifiers are considered Personal Information by applicable law, we also treat these identifiers as Personal Information.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our services in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide User with a better experience of Ynbpay services, by enabling us to monitor which pages Users find useful and which the Users do not. A cookie in no way gives us access to the User’s desktop/laptop/mobile device or any information about the User, other than the data a User chooses to share with us.
A User can choose to accept or decline cookies. Most web browsers automatically accept cookies, but a User can usually modify its browser setting to decline cookies if the User prefer. This may prevent the User from taking full advantage of the services.
By using the Services, User signifies his/her acceptance of this Policy. If the User does not agree to this Policy, please do not use the Ynbpay services. User continued use of Ynbpay services following the posting of changes to this Policy will be deemed User acceptance of those changes.
Ynbpay will not share any personal or sensitive data with any external organization unless the same is necessary to enable it to provide services (to User or business associates) or to enable completion of a legitimate transaction or for reporting which may be necessary or required pursuant to applicable law or pursuant to the terms and conditions applicable to such information as agreed to with Ynbpay. Ynbpay may disclose information about User and / or business associates if directed by court, regulatory, statutory or other authorities. Ynbpay shall immediately take consent of the User and / or business associates giving sufficient details of the court order or regulatory or statutory or similar process before disclosing the information of User and / or business associates..
With regulators, law enforcement or others in response to a legal request (e.g. a search warrant, court order or subpoena) if we have a good-faith/ belief that the law requires us to do so. This may include responding to legal requests from jurisdictions anywhere in India or abroad when we have a good-faith/ belief that the response is required by law in that jurisdiction, affects users in that jurisdiction and is consistent with Indian recognized standards.
When we have a good-faith/belief that it is necessary to: detect, prevent and address fraud, unauthorized use of the products, violation of our Terms or Policies, or other harmful or illegal activity; to protect ourselves (including our rights, property or products and services), the User or others, including as part of investigation or regulatory enquiries; or to prevent death or imminent bodily harm. For example, if relevant, we exchange information with third-party partners about the reliability of your account to prevent fraud, abuse and other harmful activity on and off our products and services.
Information that we receive about you (including financial transaction data) can be accessed and preserved for an extended period when it is the subject of a legal request or obligation, governmental investigation or investigations of possible violations of our Terms or Policies, or otherwise to prevent harm.
Ynbpay shall take all reasonable precautions to maintain the confidentiality of Personal Information / data pertaining to its User and business associates by imparting proper training to its employees and by providing restricted access to persons who may require access to such data strictly on a need to know basis.
If the ownership or control of Ynbpay or all or part of our products and services or their assets changes, we may transfer the User’s information to the new owner.
Ynbpay may change the data privacy practices and update this privacy statement as and when the need arises, and the same shall be made available on the website. Users and business associates are requested to keep check on the same.