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PRIVACY POLICY — PAISARETURN

Effective Date: 03 May 2026
Last Updated: 14 August 2026

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1. INTRODUCTION

PaisaReturn ("We", "Us", "Our", or "PaisaReturn") is committed to protecting the privacy of all users ("You", "Your", "User") of our website at www.paisareturn.com and our mobile application (together, the "Platform"). This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use our Services. By using the Platform, you agree to the terms of this Privacy Policy. This Policy forms an integral part of our Terms and Conditions.

This Privacy Policy is published in compliance with:

• Section 43A of the Information Technology Act, 2000
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPI Rules")
• The Information Technology (Intermediaries Guidelines) Rules, 2011
• The Consumer Protection (E-Commerce) Rules, 2020

2. DEFINITIONS

"Personal Information" means any information that relates to a natural person which, directly or indirectly, is capable of identifying such person, as defined under Rule 2(1)(i) of the SPI Rules.

"Sensitive Personal Data or Information (SPDI)" includes: passwords; financial information such as bank account details, UPI IDs, credit/debit card details or other payment instrument details; physical, physiological and mental health condition; biometric information; and any information received under lawful contract.

"User Information" means Personal Information and Sensitive Personal Data or Information collectively.

"Services" means the Platform (website and mobile application) and all cashback, rewards, referral, and related services offered by PaisaReturn.

"Third Parties" refers to any website, application, company, or individual other than the User and PaisaReturn.

3. INFORMATION WE COLLECT

3.1 Information You Provide Directly

When you register or use PaisaReturn, we collect:

• Full name
• Email address
• Mobile number
• Bank account details / UPI ID / payment method details (for processing cashback payouts)
• We do not currently collect PAN details. If required in future for regulatory compliance, this Policy will be updated in advance of any such collection.
• Profile photo (optional)
• Any other information you voluntarily provide

3.2 Information Collected Automatically

When you use the Platform, we automatically collect:

• Device information (device type, OS, unique device identifiers)
• IP address
• Browser type and version
• App version
• Pages visited and features used
• Clickstream data (exit clicks to Retailer websites)
• Transaction and cashback tracking data
• Log data and error reports
• Location data (only if you grant permission)

3.3 Information from Third Parties

We may receive information about you from:

• Retailers and affiliate networks (transaction confirmation, commission data)
• Payment gateway providers (Razorpay) for payout processing.
• Social login providers (Google, Facebook) if you use social sign-in

3.4 Cookies and Tracking

We use cookies, pixel tags, and similar tracking technologies to:

• Maintain your login session
• Track affiliate clicks and transactions
• Analyse Platform usage and improve our services
• Serve relevant offers and notifications

You may disable cookies via your browser settings, but doing so may affect Platform functionality and cashback tracking.

4. HOW WE USE YOUR INFORMATION

We use your information for the following purposes:

1. To register and manage your Account
2. To track, validate, and credit cashback and rewards
3. To process payouts to your bank account, UPI, or payment wallet
4. To verify your identity and comply with KYC requirements imposed by payment gateway providers
5. To send you transaction confirmations, cashback updates, and account-related notifications
6. To send marketing communications, offers, and promotions via SMS, email, WhatsApp, and push notifications (you may opt out at any time)
7. To detect and prevent fraud, misuse, and unauthorised access
8. To comply with legal obligations under Indian law
9. To improve the Platform, analyse usage trends, and develop new features
10. To resolve disputes, troubleshoot problems, and enforce our Terms and Conditions

5. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information to third parties. We may share your information only in the following circumstances:

5.1 With Retailers and Affiliate Networks

Transaction data and click identifiers are shared with Retailers and affiliate tracking platforms to validate Qualifying Transactions and process commission payments.

5.2 With Payment Gateway Providers

Your bank account details, UPI ID, or payment information are shared with our payment gateway provider (Razorpay) solely for processing cashback payouts. These providers operate under their own privacy policies and are bound by applicable Indian financial regulations.

5.3 With Service Providers

We may share data with trusted third-party vendors who assist us in operating the Platform, sending communications, analysing data, or providing customer support. These vendors are contractually bound to maintain confidentiality.

5.4 For Legal Compliance

We may disclose your information to law enforcement authorities, regulators, courts, or government agencies where required by law, court order, or to protect the rights and safety of PaisaReturn, its users, or others.

5.5 In Case of Business Transfer

If PaisaReturn undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

6. DATA RETENTION

We retain your personal information for as long as your Account is active or as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce our agreements.

• Account data: retained for the duration of your Account and up to 3 (three) years after closure
• Transaction and cashback data: retained for 7 (seven) years for tax and audit compliance
• Marketing preferences: retained until you opt out

You may request deletion of your Account and associated data by contacting us at support@paisareturn.com. Note that some data may be retained for legal compliance purposes even after deletion.

7. DATA SECURITY

We implement reasonable technical and organisational security measures to protect your information from unauthorised access, disclosure, alteration, or destruction. These include:

• Encrypted storage of sensitive data
• HTTPS/TLS for all data transmission
• Access controls limiting data access to authorised personnel only
• Regular security reviews

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information and you use the Platform at your own risk.

8. YOUR RIGHTS

You have the following rights regarding your personal information:

1. Access: Request a copy of the information we hold about you
2. Correction: Request correction of inaccurate or incomplete information
3. Deletion: Request deletion of your Account and personal data, subject to legal retention requirements
4. Opt-out of Marketing: Unsubscribe from marketing communications at any time via the unsubscribe link in emails or by contacting support@paisareturn.com
5. Withdraw Consent: Withdraw consent to processing of SPDI at any time, though this may affect your ability to use the Platform or receive payouts

To exercise any of these rights, contact us at:
support@paisareturn.com

9. CHILDREN'S PRIVACY

PaisaReturn is not intended for users under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a user under 18, we will delete it promptly.

10. THIRD-PARTY LINKS

The Platform may contain links to Retailer websites and third-party platforms. PaisaReturn is not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.

11. CHANGES TO THIS POLICY

We reserve the right to update this Privacy Policy at any time. Changes will be posted on the Platform with an updated "Last Updated" date. For material changes, we will notify you via email or in-app notification. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Policy.

12. COMMUNICATIONS CONSENT

By registering on PaisaReturn, you expressly consent to receive communications via SMS, email, WhatsApp, push notifications, and calls from PaisaReturn, its affiliates, and partners. You expressly waive any DND/NCPR preference under TRAI regulations for such communications. You may opt out of marketing messages at any time.

13. GRIEVANCE OFFICER

In compliance with the Information Technology Act, 2000 and the Consumer Protection (E-Commerce) Rules, 2020, the details of our Grievance Officer are:

Any aggrieved User may submit a written complaint to the Grievance Officer, who shall acknowledge and resolve the complaint within 1 (one) month of receipt.

14. CONTACT US

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END OF PRIVACY POLICY

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