Privacy Policy

We are sensitive to the scenario that We would be dealing with data and information of a personal nature. By using Our Website (SANDHYA PAN INDIA) and related mobile applications, You tend to provide Personal Information of You and Your. You consent to the terms of Our online Privacy Policy and to Our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to Our services. You also agree to Our contacting You pursuant to the business relationship established using the information You provide to Us. We request You to read this Policy in accordance with Terms of Use and to use these to make informed decisions. This Privacy Policy sets out how SANDHYA PAN INDIA uses and protects any information that You provide when You use Our Website for any transaction. We are committed to ensuring that information shared by You is protected and We assure You that it shall solely be used in accordance with this Privacy Policy.

1. Introduction

Whenever you visit a website and / or browse through any web sites, you may be providing certain personal / confidential information about yourself to the site's owner. We at SANDHYA PAN INDIA respect your privacy and value your trust and therefore, hereby assure you that all efforts shall be taken to protect your privacy and the personal information shared with us.

2. User ID, Password and Registration

User ID and Password has a unique way to provide security to the data submitted as it restricts the use of your account to yourself.

• Your E-mail ID shall be your login ID to identify your account and also for all your transactions and account related activity on this website.
• Each user should have a unique login ID which shall be utilized to access the account.
• We encourage you to choose a strong password to protect your account.
• It is advised that you do not share your password with anyone or write it down.
• Make sure that you sign out from the computer.
• SANDHYA PAN INDIA never, under any circumstances, asks for your account password except for logging in to the account.
• As a user of this site, you agree that the information provided by you to SANDHYA PAN INDIA on registration and at all other times, including payment, will be true, accurate, current, and complete.
• You also agree and accept to ensure that this information is kept accurate and up-to-date at all times.
• If you have a reason to believe that your account is no longer secure (e.g., in the event of a loss, theft or unauthorized disclosure or use of your account id, pin, password, or any credit, debit or prepaid cash card number or netbanking login/ password, if applicable), then you agree to immediately notify SANDHYA PAN INDIA and indemnify SANDHYA PAN INDIA from any of the liabilities that may arise from the misuse of your account.

3. Information That We Collect and That You Provide

4. Personal Information

Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as:

• Your full name, address, e-mail address, mobile number, date of birth and bank or payment card details and any proof of Your identity and/or address that we may request
• Details of any transactions that You carry out through our Website or application using Your SANDHYA PAN INDIA account and of the fulfilment of Your requests
• Details of any credit, debit or other card used by You for transactions
• Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number "TAN" and password, available balance and transaction history of Your bank account), ITR, TAX certificates or any other income documents as necessary by Us
• Any correspondence sent by You to Us
• Survey that You complete through the Website or based on our request
• Your participation in any promotion sponsored by Us
• Calls that we make to You or You make to Us
• Information collected through Cookies
• Your IP address, log-in times, operating system and browser type
• Details of Your visits to our Website/ mobile application including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for Our own billing purposes or otherwise and the resources that You access whilst visiting Our Website or mobile application.

5. Information Collected by Merchants

SANDHYA PAN INDIA shall engage independent merchants to provide certain services and products related to our Website. Access to any of Your Personal Information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services for Us. We also insist that these merchants protect Your Personal Information in a manner consistent with this Privacy Policy and that the merchants shall not use or disclose Your personal information for any purpose other than providing Us with the products or services for which We have contracted. We will not sell, distribute or lease Your Personal Information to merchants unless:

• Required by law such as to comply with a subpoena, or similar legal process.
• To the extent We are legally permitted to do so, We will take commercially reasonable steps to notify You in the event that We are required to provide Your personal information to Merchants as part of legal process
• When We believe in good faith that disclosure is necessary to protect Our rights, protect Your safety or the safety of others, investigate fraud or respond to a written government request.
• If SANDHYA PAN INDIA becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, We will provide notice before personally identifying information becomes subject to a different privacy statement
• To any other Merchant with Your prior consent to do so.

6. Use of Personal Information

We use personal information to provide You with services & products You explicitly requested for, like the following:

• To carry out Your instructions for making and receiving payments and undertake transactions using Our services, including verifying that You have sufficient funds in Your SANDHYA PAN INDIA to make such payments
• To operate and administer Your SANDHYA PAN INDIA for providing services that You have requested
• To notify You about changes to Our service(s)
• To comply with financial services regulations including retention of financial information and transactions
• For customer service, including answering questions and responding to feedback and complaints
• To provide You with information, products or services that You request from Us or which We feel may interest You.
• To allow You to participate in interactive features of the website or mobile application
• To improve Our internal customer training
• For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks
• To enhance the security of Our services
• To send You offers based on Your previous orders and interests
• To complete optional online surveys which may ask You for contact information and demographic information (like zip code, age, gender).

Consequences of Not Providing Personal Information: If You choose not to provide Your Personal Information that is mandatory to process Your request, SANDHYA PAN INDIA may not be able to provide the corresponding services.

7. Security

SANDHYA PAN INDIA has drawn up stringent security measures to protect the loss, misuse, and alteration of the information provided by You under Our control. At any point of time, when You change or access Your account information, We offer the use of a secure server. Once Your information is in Our possession, We adhere to strict security guidelines, protecting the information against unauthorized access. In order to prevent unauthorized access or disclosure, we have put in place suitable physical,