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Privacy Policy

Effective Date: September 18, 2025

Piresearch Labs Private Limited ("we," "us," or "our") operates Payintelli, a payment gateway service that enables businesses and individuals to process payments securely online. We are committed to protecting your privacy and handling your personal data responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website (payintelli.com or any affiliated sites), mobile applications, or services (collectively, the "Services").

By using our Services, you consent to the practices described in this policy. If you do not agree, please do not use our Services. This policy complies with applicable data protection laws, including the General Data Protection Regulation (GDPR) in the European Union, and other relevant regulations.

We may update this policy from time to time. We will notify you of material changes by posting the updated policy on our website or through email (where applicable). Your continued use of the Services after such changes constitutes acceptance of the revised policy.

1. Information We Collect

We collect information to provide, improve, and secure our Services. The types of information we collect depend on how you interact with us.

Personal Data

  • Account Information: Name, email address, phone number, date of birth, and billing/shipping address when you register for an account or use our Services.
  • Payment Information: Credit/debit card details, bank account information, transaction amounts, dates, and payment method preferences. We do not store full payment card numbers; these are tokenized and processed via secure third-party providers.
  • Identity Verification Data: Government-issued ID details, selfies, or biometric data (with your explicit consent) for Know-Your-Customer (KYC) compliance during onboarding for merchants or high-value transactions.
  • Transaction Data: Details of purchases, refunds, disputes, and payment history.

Non-Personal Data

  • Device information (e.g., IP address, browser type, operating system, device ID).
  • Usage data (e.g., pages visited, time spent on site, referral sources).
  • Aggregated analytics from cookies and similar technologies.

How We Collect It

Directly from you (e.g., forms, account setup); automatically via cookies, logs, and analytics tools; and from third parties (e.g., payment processors, fraud detection services, or business partners for transaction verification). For payment gateway users (merchants and end-customers), we collect sensitive financial data to facilitate transactions, prevent fraud, and comply with anti-money laundering (AML) regulations.

2. How We Use Your Information

We use your information for legitimate business purposes, including:

  • Providing and managing Services: Processing payments, issuing refunds, and handling disputes.
  • Verifying identities and preventing fraud: Conducting KYC checks, monitoring transaction patterns, and using AI for risk assessment.
  • Improving our Services: Analyzing usage data to enhance features, develop new offerings, and personalize experiences (e.g., language preferences).
  • Communicating with you: Sending transaction confirmations, support responses, newsletters, or promotional updates (with opt-out options).
  • Compliance and legal obligations: Meeting regulatory requirements (e.g., AML, KYC, tax reporting) and responding to lawful requests.
  • Marketing: With your consent, sharing tailored offers or insights relevant to payment processing.

Legal bases for processing under GDPR include contract performance (e.g., processing your payment), legitimate interests (e.g., fraud prevention), consent (e.g., marketing), and legal obligations.

3. Sharing and Disclosure of Your Information

We do not sell your personal data. We may share it in limited circumstances:

  • Service Providers: With trusted third parties for hosting, analytics, payment processing (e.g., banks, card networks like Visa/Mastercard), fraud detection, and customer support. These providers are bound by data processing agreements compliant with GDPR.
  • Business Partners: With merchants or platforms using Payintelli to complete transactions (e.g., sharing transaction details with sellers).
  • Affiliates: Within Piresearch Labs Private Limited group companies for operational purposes.
  • Legal and Compliance: To comply with laws, respond to subpoenas, or protect our rights, safety, or property.
  • Business Transfers: In mergers, acquisitions, or asset sales, where your data may be transferred as part of the transaction.

For international transfers, we use standard contractual clauses or other GDPR-compliant safeguards to ensure equivalent protection.

4. Security of Your Information

We prioritize the security of your data, especially sensitive payment information. We implement industry-standard measures, including:

  • Encryption (e.g., TLS for data in transit).
  • Access controls, firewalls, and regular security audits.
  • Tokenization for payment details to minimize storage of sensitive data.

While no system is impenetrable, we continuously monitor for vulnerabilities and comply with PCI DSS standards for payment card security. Report any suspected breaches to us immediately at privacy@piresearchlabs.com.

We retain personal data only as long as necessary: typically 7 years for transaction records (per regulatory requirements), or shorter for non-financial data. After that, it is securely deleted or anonymized.

5. Your Rights and Choices

Under GDPR, you have rights regarding your personal data:

  • Access: Request a copy of your data.
  • Rectification: Correct inaccurate information.
  • Erasure: Delete your data (subject to legal retention obligations).
  • Restriction/Objection: Limit processing or object to certain uses (e.g., marketing).
  • Portability: Receive your data in a structured format.
  • Withdraw Consent: For consent-based processing.

To exercise these rights, contact us at privacy@piresearchlabs.com. We will respond within one month (or as required by law) and may verify your identity. You can also opt out of cookies via browser settings or marketing emails via unsubscribe links.

For automated decisions (e.g., fraud scoring), you have the right to request human review.

6. Cookies and Tracking Technologies

We use cookies and similar tools (e.g., pixels, local storage) to enhance functionality, analyze traffic, and deliver ads. Types include:

  • Essential: For site operation (no consent needed).
  • Analytics: To understand usage (e.g., Google Analytics; opt-out at tools.google.com).
  • Marketing: For personalized ads (consent required).

Manage preferences via our cookie banner or browser settings. See our Cookie Policy at payintelli.com/cookies for details. Cookie data is retained for up to 13 months.

7. Children's Privacy

Our Services are not directed to children under 16. We do not knowingly collect personal data from children. If we learn we have, we will delete it promptly. Parents/guardians can contact us to review or remove such data.

8. International Data Transfers

As a global service, data may be processed in countries outside the European Economic Area (EEA). We ensure transfers comply with GDPR using appropriate safeguards like standard contractual clauses or adequacy decisions.

9. Third-Party Links

Our Services may link to third-party sites (e.g., payment processors). We are not responsible for their privacy practices. Review their policies before providing data.

10. Changes to This Privacy Policy

We may update this policy to reflect legal changes or Service updates. Check the "Effective Date" at the top. For significant changes, we will provide notice via email or site posting.

Contact Us

For questions, complaints, or rights requests, reach out to:

  • Privacy Officer: privacy@piresearchlabs.com
  • Address: Piresearch Labs Private Limited, Hyderabad, India
  • Data Protection Authority: You may also lodge complaints with your local data protection authority in the EU.