Privacy Policy
At Return Pay, we respect your privacy and are committed to protecting the personal and business information entrusted to us. This Privacy Policy explains how we collect, use, store, and protect information when you use our website, payment gateway, merchant services, and other digital payment solutions.
By accessing or using Return Pay services, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
Depending on how you use our services, we may collect the following information:
- Personal Information: Name, mobile number, email address, date of birth, and other identification details.
- Business Information: Business name, business type, address, registration details, and other information required for merchant onboarding.
- Payment Information: Transaction details, payment status, order information, and payment-related records.
- Identity and Verification Information: Information required for KYC, verification, fraud prevention, and regulatory compliance.
- Technical Information: IP address, browser type, device information, operating system, and website usage information.
2. How We Use Your Information
We use the information collected to provide secure, reliable, and efficient payment services, including:
- Creating and managing merchant or customer accounts
- Processing and facilitating payment transactions
- Verifying identity and completing KYC requirements
- Detecting and preventing fraud, unauthorized transactions, and misuse
- Providing customer support and resolving disputes
- Maintaining transaction records and account information
- Improving our website, products, services, and payment infrastructure
- Sending important service, security, and transaction notifications
- Complying with applicable laws, regulations, and legal obligations
3. Payment and Transaction Security
Return Pay takes reasonable technical and organizational measures to protect payment and transaction-related information against unauthorized access, alteration, disclosure, or destruction.
Payment information may be processed through authorized payment processors, banking partners, financial institutions, and other trusted service providers. We do not intentionally store sensitive payment credentials such as complete card PINs or passwords unless specifically required and permitted for the operation of our services.
4. Sharing of Information
We do not sell or rent your personal information. Information may be shared with trusted third parties only when reasonably necessary to provide our services or meet legal and regulatory requirements.
- Payment processors and banking partners
- KYC and identity verification service providers
- Technology, hosting, and infrastructure providers
- Fraud prevention and security service providers
- Government, regulatory, or law-enforcement authorities when legally required
5. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to maintain sessions, remember preferences, improve website functionality, analyze traffic, and enhance user experience.
You may manage or disable cookies through your browser settings. However, disabling certain cookies may affect the functionality of some parts of the website.
6. Data Retention
We retain personal and transaction information only for as long as reasonably necessary to provide our services, maintain business and financial records, resolve disputes, prevent fraud, and comply with applicable legal and regulatory requirements.
7. Data Protection
We implement appropriate security measures designed to protect your information from unauthorized access, misuse, loss, alteration, or disclosure. However, no method of transmission or electronic storage can be guaranteed to be completely secure.
8. Your Privacy Rights
Subject to applicable laws and regulations, you may have the right to request access to, correction of, or updates to your personal information.
If you believe that the information we hold about you is inaccurate or if you have questions regarding the processing of your information, you may contact us using the details provided below.
9. Third-Party Services
Our website or services may contain links to third-party websites, applications, payment services, or other platforms. These third parties may have their own privacy policies and terms of service.
Return Pay is not responsible for the privacy practices or content of third-party websites or services that are outside our control.
10. Children's Privacy
Our services are not intended for individuals who are not legally permitted to use financial or payment services. We do not knowingly collect personal information from children in violation of applicable laws.
11. Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or business practices.
Any updated version will be published on this page. We encourage users to review this Privacy Policy periodically to remain informed about how their information is handled.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the way your information is handled, please contact the Return Pay support team.