Privacy Policy

Effective Date: July 30, 2025

1. Introduction

PayGoingGlobal ("we," "our," "us") respects your privacy and is committed to protecting personal information in cross-border payment transactions between India and the United States. This Privacy Policy explains how we collect, use, and safeguard information.

2. Information We Collect

Merchant Information:

  • Business name, registration details, and tax identification
  • Bank account information for settlements
  • Authorized representative contact details
  • Transaction history and analytics

Customer Transaction Data:

  • UPI virtual payment address (VPA)
  • Transaction amount and timestamp
  • Device and IP information for security

3. Legal Basis for Processing

We process personal data based on:

  • Contract performance for payment services
  • Legal obligations under US and Indian financial regulations
  • Legitimate interests in fraud prevention and security
  • Consent where explicitly provided

4. Cross-Border Data Transfer

As a cross-border payment processor, we transfer data between India and the United States. These transfers are protected by appropriate safeguards including encryption, contractual clauses, and compliance with data localization requirements where applicable.

5. Data Sharing

We share information only with:

  • Banking partners for transaction processing
  • Regulatory authorities as required by law
  • Service providers under strict confidentiality agreements
  • Law enforcement when legally required

We do not sell personal information to third parties.

6. Data Security

We implement industry-standard security measures including TLS encryption, tokenization of sensitive payment data, regular security audits, and compliance with PCI DSS standards. Access to personal data is restricted to authorized personnel only.

7. Data Retention

We retain transaction data for 7 years to comply with financial regulations in both jurisdictions. Merchant account information is retained for the duration of the business relationship plus any legally required retention period.

8. Your Rights

Depending on your location, you may have rights to:

  • Access your personal information
  • Correct inaccurate data
  • Request deletion (subject to legal retention requirements)
  • Object to certain processing activities
  • Data portability where applicable

9. Regulatory Compliance

We comply with applicable privacy laws including the California Consumer Privacy Act (CCPA), Indian Information Technology Act, and relevant provisions of GDPR for European customers of our merchants.

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

11. Updates to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Material changes will be notified via email or prominent website notice.

12. Contact Us

For privacy-related inquiries or to exercise your rights, contact our Data Protection Officer at: legal@paygoingglobal.com

Response time: We aim to respond to all privacy requests within 30 days.