Privacy Policy.

Depending on the service used, we may collect:

Account Information

• •Name
• •Mobile number
• •Email address
• •Login information
• •Age/date of birth where required
• •Profile information

Transaction Information

• •Orders
• •Bookings
• •Payment status
• •Transaction references
• •Refund information
• •Billing information

Education Information

For education-related services:

• •Student name
• •Course information
• •Institution information
• •Fee information
• •Enrollment information

Property Information

For property services:

• •Property details
• •Listing details
• •Owner/agent information
• •Contact information
• •Rental/sale preferences
• •Documents voluntarily submitted for verification

Merchant Information

For merchants/sellers:

• •Business name
• •Contact information
• •Business information
• •GST/tax information where applicable
• •Bank account/payment information
• •KYC information where required

Travel Information

For travel services:

• •Traveller names
• •Contact information
• •Booking details
• •Travel dates
• •Destination
• •Identification/passport information where required by the relevant provider

We may process information to:

• ✓Create and maintain accounts
• ✓Process orders
• ✓Process payments
• ✓Process education fees
• ✓Provide course services
• ✓Facilitate property listings
• ✓Facilitate grocery orders
• ✓Process travel bookings
• ✓Provide customer support
• ✓Process refunds
• ✓Prevent fraud
• ✓Maintain platform security
• ✓Improve services
• ✓Analyse platform usage
• ✓Communicate with users
• ✓Comply with applicable legal obligations
• ✓Provide marketing communications where legally permitted and appropriately consented to

PayintimeHub is a marketplace. To fulfil a transaction, relevant information may need to be shared with the appropriate:

• •Seller
• •Merchant
• •Educational institution
• •Course provider
• •Property owner
• •Agent/broker
• •Travel operator
• •Logistics provider
• •Service provider

We aim to share information reasonably necessary to provide the requested service.

PayintimeHub may use:

• •PayU
• •Razorpay
• •Cashfree
• •Other authorised payment providers

We may use third parties for:

• •Payment processing
• •Hosting
• •Cloud services
• •Data storage
• •SMS/OTP
• •Email
• •Customer support
• •Analytics
• •Fraud prevention
• •Logistics
• •Travel fulfilment
• •Communication
• •Other technology services

PayintimeHub may use cookies and similar technologies to:

• •Maintain sessions
• •Remember preferences
• •Improve website performance
• •Analyse website usage
• •Maintain security
• •Support marketing/advertising activities where permitted

Users can manage cookies through browser/device settings, although disabling certain cookies may affect website functionality.

We use reasonable technical and organisational measures to protect personal information. However, no online system can guarantee absolute security.

Users should also protect their passwords, OTPs and other account credentials.

Personal information may be retained for as long as reasonably necessary for:

• •Providing services
• •Maintaining transaction records
• •Fraud prevention
• •Dispute resolution
• •Customer support
• •Legal compliance
• •Tax/accounting requirements
• •Other legitimate purposes

Subject to applicable law, users may have rights relating to their personal data, including applicable rights to:

• ✓Access information
• ✓Correct inaccurate information
• ✓Update information
• ✓Withdraw consent where applicable
• ✓Request deletion/erasure where legally applicable
• ✓Raise complaints regarding processing

Requests may be sent to support@PayintimeHub.com.

PayintimeHub may facilitate education-related services used by students, including minors.

Where personal data relating to children is processed, PayintimeHub will follow applicable legal requirements concerning children's data.

Parents/legal guardians should ensure that information submitted for a child is provided lawfully and with required authority/consent.

Service communications may include:

• •OTPs
• •Order confirmations
• •Payment confirmations
• •Booking confirmations
• •Refund updates
• •Account/security notifications

Marketing communications will be handled in accordance with applicable law and consent requirements.

We may disclose information where required or permitted by law, including to:

• •Government authorities
• •Law-enforcement authorities
• •Courts
• •Regulators
• •Payment providers
• •Fraud-prevention partners
• •Other authorised parties

PayintimeHub may contain links to third-party websites. We are not responsible for the privacy practices of third-party websites.

Users should review the privacy policy of the relevant third party.

We may update this Privacy Policy periodically. The latest version will be published on PayintimeHub with the applicable effective date.