CAMSPay Privacy Policy confirms our commitment to privacy and demonstrates the ways we ensure that data privacy is protected. CAMSPay Privacy Policy applies to the Sensitive Personal Data or Information (SPDI) of all our Customers / Merchants/ Clients that are in our possession and control. We request Merchants / Clients / Customers to kindly read this Policy on Privacy carefully.
This Privacy Policy is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Sites and Services.
Personal Data We Collect
We may collect information about you when you visit our Sites or use our Products and Services, including the following:
- Registration information – When you sign up to use our Products and Services by establishing an Account, we will collect Personal Data as necessary to offer and fulfill the Services you request. Depending on the Services you choose, we may require you to provide us with your name, address, telephone/ mobile number, email address, and identification information to establish an Account. We may require you to provide us with additional Personal Data as you use our Products and Services.
- Transaction information – When you use our Payment Services or access our Sites or Mobile APPs, for example, to make purchases from merchants, receive money, to process payments, to setting up recurring payments, or send money to Businesses, Friends and Family, we collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, the amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, IP and Geolocation Information.
- Information that you choose to provide us to obtain additional Services– If as a customer you request or participate in an optional Site feature, or request enhanced Services, inquiry, provide feedback, submit correspondence, contact our customer support team, respond to survey or make a complaint about the phone, by email, on our website or by post we will collect required personal information to reach you and offer our services. We may collect additional information from you. We will provide you with a separate notice at the time of collection if the use of that information differs from the uses disclosed in this Privacy Policy.
- Information about you from third-party sources – We obtain information from third-party sources such as merchants, data providers, other service providers, and credit bureaus to provide a seamless payment experience, and its based where permitted by law.
Use of Personal Information
CAMSPay uses the information to comply with laws, guidelines, and regulations that govern the financial services in the country. To detect, prevent illegal activities, fight spam, and protect the rights and property of clients. CAMS may use the information shared by clients regarding the seamless payment experience, products, and services to enhance the service-related improvements. Reports are generated to protect and defend the rights, and interests of client's products and services.
We also monitor Internet Protocol (IP) addresses, browser-supplied information, and site session information that may be recorded as part of the normal operations and for security monitoring purposes.
Some of our products and services collect information about the system and product data. We use this information to manage and administer our products and services, issue updates and new versions, test and monitor services that we provide, enhance our products and services, and improve and target our communications with you. We use the personal data for including but not limited to the below purposes as well.
- Initiate a payment, send, or request money, add value to an account, or pay one-time or recurring bills.
- Authenticate your access to a Business or user Account with CAMSPay.
- communicate with you about your Account, the Sites, the Services, or the use of products by CAMSPay or its partners.
- Create an account connection between your Account and a third-party account or platform or service provider.
- Perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes.
- Keep your Account, Card, payment information, and financial information up to date.
- To manage the business, such as monitoring, and analyzing user activities on our sites, applications, and APIs.
- To comply with our obligations including complying with all applicable laws and regulations and enforcing the terms of our websites, products, and services.
Personal and other information-sharing policy
We may share your Personal Data or other information about you for the following reasons with others in a variety of ways as described in this section of the Privacy Policy.
Sharing of Personal and other information with CAMS subsidiaries We may share your Personal Data with CAMS subsidiaries to, among other things, provide the services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements; and to help us manage the availability and connectivity of CAMSPay products, services, and communications.
Sharing of Personal and other information with other Financial Institutions - We may securely share Personal Data and payment instruments data with other financial institutions that we have partnered with to jointly create and offer products and transaction processing, such as with Synchrony Bank in connection with the payment processing. These financial institutions may only use this information to market and offer CAMSPay-related products unless you have given consent for other uses. We may also share Personal Data to process recurring payments, provide you with benefits associated with your eligible cards, Bank Account and keep your financial information up to date.
Sharing of Personal and other Information When you use our services - We may share information about you and your Account with the other parties involved in processing your transactions. This includes other Users you are sending or receiving funds from, and merchants and their service providers. The information includes:
- Personal Data and Account Information necessary to facilitate the transactions
- Information to help other participant(s) resolve disputes and detect and prevent fraud.
- Aggregated data and performance analytics to help merchants better understand Users and to help merchants enhance Users’ experiences.
Sharing of Personal and other information with other Third parties - We may share Personal Data with third-party service providers that perform services and functions at our direction and on our behalf. These third-party service providers may, for example, provide you with Services, verify your identity, assist in processing transactions, send you advertisements for our products and services, or provide customer supports like SMS, Email notifications, marketing communications, and CAMSPay’s business purposes or as permitted or required by law including,
- If we need to do so to comply with a law, legal process, or regulations.
- Law enforcement, regulators, government officials, or other third parties in relation to a court order, or other legal process or requirement under Indian law or regulation, or the laws and regulations of other jurisdictions that are applicable to CAMSPay or one of its affiliates; when we need to do so to comply with such law or credit card rules; or when we believe, in our sole discretion, that the disclosure of Personal Data is necessary or appropriate to prevent physical harm or financial loss; or to report suspected illegal activity or to investigate violations of a user agreement.
- To protect the vital interests of a person.
- To protect our property, services, and legal rights.
- To facilitate a purchase or sale of all or part of CAMSPay business.
- In connection with shipping and related services for purchases made using a Services.
- To help assess and manage risk and prevent fraud against us, our Users, and fraud involving our Sites or use of our Services, including fraud that occurs at or involves our business partners, strategic ventures, or other individuals and merchants.
- To banking partners as required by card association rules for inclusion on their list of terminated merchants.
- To companies that we plan to merge with or be acquired by.
- To support our audit, compliance, and corporate governance functions.
Cookies and Tracking Technologies
When you visit our Sites and our Services, we may use cookies and other tracking technologies (collectively, “Cookies”) to recognize you as a User and to customize your online and payment experiences, the Services you use, and other online content and advertising; measure the effectiveness of promotions and perform analytics; and to mitigate risk, prevent potential fraud, and promote trust and safety across our Sites and Services. Certain aspects and features of our Services and Sites are only available through the use of Cookies, so if you choose to disable or decline Cookies, your use of the Sites and Services may be limited or not possible.
Information Security
We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.
To protect Personal Information from unauthorized access and use, CAMSPay is an ISO 27001 – ISMS, PCI DSS 3.2.1 certified company and also uses security measures and controls that comply with applicable laws and regulations. These measures may include device safeguards and secured files and buildings as well as oversight of their third-party service providers to ensure information remains confidential and secure.
Children’s Privacy Policy
Our Sites and Services are not directed to children under the age of 13. We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use our Sites and Services. If we obtain actual knowledge that we have collected Personal Data from a child under the age of 13, we will take required actions and remove such data from our records, unless we are legally obligated to retain such data.
Changes to this Privacy Policy
We may revise this Privacy Policy from time to time to reflect changes to our business, the Sites or Services, or applicable laws. The revised Privacy Policy will be effective as of the published effective date.
This privacy policy is not intended to and does not create any contractual or other legal rights on or on behalf of any party. By accessing the CAMSPay website and services, you acknowledge and fully understand our Privacy Policy and freely consent to the information collection and use practices described in this Policy. We encourage you to periodically review this privacy policy to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this privacy policy and any updates.
By accessing this website and any of its pages you are agreeing to the Privacy Policy. Clients shall not be covered by this Policy if they access other websites using links from our website.
Privacy Policy Redressal
You may contact us if you have general questions about our Privacy Policy and practices or questions about your Account information or Personal Data. All such queries may address to the below contact details.
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Nodal Officer & Escalation Matrix |
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Level 1 |
Helpdesk |
Service Executive |
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Level 2 |
Nodal & Compliance Officer |
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Raman M |
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Level 3 |
Deputy Vice President |
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Rajan S |
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Level 4 |
CEO, CAMSPay |
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Vasanth JE |
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Google ReCAPTCHA
CAMSPay uses ReCAPTCHA on the Sites and Services. Your use of ReCAPTCHA is subject to the Google Privacy Policy and Terms of Use.