1. Introduction
Payments Clarity (“we,” “our,” or “us”) respects your privacy and is committed to handling personal information responsibly.
This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit our website, contact us, submit a business enquiry, or engage with our payment solutions intermediary services.
Payments Clarity helps businesses identify and connect with payment service providers that may be suitable for their operational requirements, business models, transaction profiles, and risk categories. Our services may involve communicating with merchants, business representatives, payment processors, acquiring institutions, and other relevant third parties.
This policy applies to information collected through our website, contact forms, business communications, and related services.
2. Information We Collect
The information we collect depends on how you interact with us and the nature of your enquiry.
2.1 Personal and Contact Information
We may collect:
- Name.
- Business email address.
- Telephone number.
- Job title or professional role.
- Company name.
- Business website.
- Country or region of operation.
- Information included in your message or enquiry.
2.2 Business and Merchant Information
To understand your payment processing requirements, we may collect business-related information such as:
- Business model and industry.
- Products or services offered.
- Business registration details.
- Countries in which you operate.
- Expected monthly processing volume.
- Average transaction value.
- Preferred payment methods and currencies.
- Customer locations.
- Existing payment processing arrangements.
- Chargeback and refund information, where relevant.
- Business documentation requested for assessment or referral purposes.
Where additional verification is required, certain third-party payment providers may request identity documents, beneficial ownership information, financial records, licences, or other due diligence materials. Such information should be collected and shared only where necessary, through appropriate channels, and subject to applicable law.
2.3 Technical and Website Information
When you visit our website, we may collect limited technical information, including IP address, browser type and version, device and operating system information, pages visited and approximate visit duration, referral sources, website interaction and diagnostic data, and cookie or similar technology information where applicable.
This information may help us maintain website security, identify technical issues, understand general website usage, and improve our services.
2.4 Communication Information
We may retain business correspondence and communication records, including emails, contact form submissions, meeting notes, and service-related discussions. These records help us respond to enquiries, coordinate introductions, maintain business records, and resolve disputes.
3. How We Collect Information
We may collect information:
- Directly from you through our website contact form.
- When you email or call us.
- During business meetings and consultations.
- When you voluntarily provide business documentation.
- From authorised representatives acting on your behalf.
- From payment providers or business partners where information is lawfully shared.
- Through website analytics, cookies, or similar technologies.
- From publicly available business sources, where appropriate and lawful.
We aim to collect only information that is reasonably necessary for the relevant purpose.
4. How We Use Your Information
We may use your information for the following purposes:
- Responding to enquiries: To understand your business requirements, answer questions, and communicate with you about our services.
- Matching merchants with payment providers: To identify potential payment processing partners based on your business model, location, transaction requirements, and risk profile.
- Facilitating introductions: To share relevant business information with a prospective payment provider or other appropriate partner when necessary to facilitate a requested introduction or service. Where required, we will obtain consent or rely on another valid legal basis before sharing personal information.
- Supporting provider applications: To assist with the coordination of enquiries or application processes where you have requested such assistance. The relevant provider may conduct its own independent verification, underwriting, and compliance assessments.
- Improving our services: To understand business enquiries, improve website functionality, evaluate service performance, and develop more effective merchant-matching processes.
- Security and fraud prevention: To detect suspected fraud, unauthorised access, misuse of our website, or other activity that could affect our legitimate business interests or legal obligations.
- Legal and contractual compliance: To maintain appropriate business records, enforce contractual terms, respond to lawful requests, and comply with applicable legal requirements.
- Business communications: To send relevant service-related communications. We may send marketing communications where permitted by law. You may opt out of marketing messages at any time using the available unsubscribe mechanism or by contacting us.
5. Sharing of Information
Payments Clarity does not treat the information you provide as unrestricted information for general distribution. We may share relevant information with the following categories of recipients when necessary and lawful.
5.1 Payment Service Providers
If you request a payment processing introduction, we may share relevant information with prospective payment processors, payment gateways, acquiring institutions, or other payment partners. The information shared should be limited to what is reasonably necessary for the introduction or assessment.
A provider may become an independent controller or fiduciary of information it receives, depending on its role and applicable law. Its own privacy policy and contractual terms may apply to subsequent processing.
5.2 Technology and Service Providers
We may use trusted service providers for website hosting, email communications, customer relationship management, analytics, document management, security, and other business operations. Where appropriate, these providers are required by contract or applicable law to protect information and use it only for authorised purposes.
5.3 Professional Advisers
We may disclose information to legal, accounting, compliance, or other professional advisers where reasonably necessary.
5.4 Authorities and Legal Disclosures
We may disclose information when required by applicable law, a valid legal process, or a competent authority, or where disclosure is otherwise lawfully necessary to protect rights, safety, or security.
5.5 Business Transfers
If our business undergoes a merger, restructuring, acquisition, or transfer of relevant assets, information may be transferred as part of that process, subject to applicable legal requirements and appropriate safeguards.
Payments Clarity does not sell personal information as a commercial data-broker product.
6. Cookies and Similar Technologies
Our website may use cookies and similar technologies to support essential functionality, maintain security, analyse website performance, or improve user experience. Depending on the tools implemented, these technologies may include essential cookies, analytics cookies, performance measurement tools, and advertising or remarketing technologies if used.
Where required, we will request consent before activating non-essential cookies or similar technologies. You may also manage cookies through your browser settings. Disabling certain cookies may affect website functionality.
Our use of third-party analytics or advertising services will depend on the technologies actually implemented on the website.
7. Data Retention
We retain information for as long as reasonably necessary to fulfil the purposes described in this policy. Retention periods may depend on the nature of the enquiry, whether a business relationship is established, the status of a merchant introduction or application, contractual requirements, applicable legal and regulatory obligations, and the need to maintain records for disputes, security, or legitimate business purposes.
When information is no longer required, we will take appropriate steps to delete it, anonymise it, or otherwise dispose of it securely, subject to applicable law and legitimate retention requirements. We do not promise that every record will be deleted immediately upon request where retention is legally required or another lawful exception applies.
8. Data Security
We seek to protect personal and business information through reasonable technical, organisational, and operational safeguards. Depending on the nature of the information and our actual systems, safeguards may include access restrictions, secure account management, appropriate authentication measures, encryption where appropriate, security monitoring, confidentiality obligations, secure information-sharing practices, and staff awareness and internal procedures.
No website, electronic communication channel, or information system can be guaranteed to be completely secure. Where information is compromised, we will assess the incident and take steps required by applicable law.
9. International Data Transfers
Because payment processing may involve businesses and providers operating in different countries, relevant information may need to be shared internationally. Where such transfers occur, we will take the steps required by applicable law and any applicable restrictions, safeguards, or contractual obligations.
A third-party provider receiving information may process it under the laws and privacy requirements applicable to its operations.
10. Your Privacy Rights
Depending on your location, the nature of the information, and applicable law, you may have rights to request information about the personal data we process, request correction of inaccurate information, request deletion where legally available, withdraw consent where processing relies on consent, raise a concern about our handling of personal information, and exercise other rights available under applicable privacy legislation.
These rights may be subject to legal exceptions, retention requirements, and the respective roles of Payments Clarity and third-party providers. If your information has already been provided to an independent payment provider, you may also need to contact that provider directly to exercise rights relating to its processing activities.
11. Children's Privacy
Our website and services are intended primarily for businesses and adults acting in a professional capacity. We do not knowingly seek personal information from children in connection with our ordinary business-to-business services.
If you believe that a child has provided personal information to us inappropriately, please contact us so that we can assess the matter and take appropriate action.
12. Third-Party Websites
Our website may link to third-party websites or services. We are not responsible for the privacy practices, security, or content of websites that we do not control. Please review the applicable privacy policy before providing personal information to any third-party service.
13. Changes to This Privacy Policy
We may update this policy to reflect changes in our business, website technologies, service providers, or legal obligations. The latest version will be published on our website with its revision date. Where required, we will provide notice or obtain consent for material changes.
14. Contact Us
If you have questions about this Privacy Policy, wish to exercise an applicable privacy right, or have a concern about the handling of your information, please contact us.
Company: Payments Clarity
Email: hello@paymentsclarity.com
Phone: +91 88005 03321
You may also submit a request through the Contact Us form on our website. Please include sufficient information for us to understand and respond to your request. Avoid including passwords, complete card details, security codes, or other unnecessary sensitive information in your message.
This Privacy Policy should be read alongside our Terms and Conditions and Data Protection Policy.
Questions? Contact hello@paymentsclarity.com or call +91 88005 03321.
