Terms and Conditions - GoApptiv
General
1.https://www.goapptiv.com/ ("our", "us", "we", "Website", "GoApptiv", "GoApptiv's mobile applications") is committed to the
protection of Information provided by the users ("you", "your", "users") to us. You agree that your use of GoApptiv's services
or our interface implies your consent to the collection and use of your Information in accordance with the terms of this
Privacy Policy ("Privacy Policy").
2.We take the privacy of our users seriously. We are committed to safeguarding the privacy of our users while providing a
personalised and valuable service. In addition to this Privacy Policy, we have taken the following steps to further safeguard
your privacy:
1.General
GoApptiv has established a set of "Binding Corporate Rules". These Binding Corporate Rules are a commitment by
GoApptiv to protect your Information regardless of where the data resides. Depending upon where you live, the Binding
Corporate Rules may provide additional privacy rights through your local privacy regulator or government. For more
information about our Binding Corporate Rules, including information on how to contact us with any questions, write to us at
[email protected].
Information Collected
1.Traffic Data Collected
We automatically track and collect the following categories of information when you visit our Website:
1.IP addresses;
2.Domain servers;
3.Types of computers accessing the Website;
4.Types of web browsers used to access the Website;
5.Referring source which may have sent you to the Website; and
6.Other information associated with the interaction of your browser and the Website (collectively "Traffic Data").
2.Information Collected from You
In order for you to access certain areas of the Website, we may require you to provide us with certain information ("Personal
Information"). Personal Information may include the following information:
1.Your full name, address, e-mail address, telephone number, date of birth and bank or payment card details and
any proof of your identity and/or address that we may request;
2.Your establishment name, address, telephone number, email ID and details of license number, TIN,TAN,GST
numbers or any other relevant authentication details to do transaction in our website/application like payment
wallet information;
3.Details of any transactions you carry out through our Website using your GoApptiv account and of the fulfilment
of your requests;
4.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;
5.Details of any credit, debit or other card used by you for transactions;
6.Your participation in any promotion sponsored by us;
7.Correspondence that you send us;
8.Calls that we make to you or you make to us;
9.Surveys that you complete through the Website or based on our request;
10.Information collected through cookies. Please see Paragraph I (Cookies) of this Privacy Policy for more details;
11.Your IP address, log-in times, operating system and browser type; and
12.Details of your visits to our Website 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.
3.In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third
party agencies ("Third Party Information"), including your financial history, court judgements and bankruptcies, from credit
reference and fraud prevention agencies during any time you have a GoApptiv account and at any other time when we feel it
is necessary to prevent fraud and minimise our financial risks. Please refer to Paragraph 5.2 (Anti-Money Laundering Policy)
of this Privacy Policy for further details. Personal Information and Third Party Information are collectively referred to as
"Information".
Use and Storage of Information
1.We use your Information for the following purposes:
1.To operate and administer your GoApptiv account and to provide services that you have requested;
2.To carry out your instructions to make and receive payments and undertake transactions using our services,
including verifying that you have sufficient funds in your related wallet to make such payments;
3.To allow you to participate in interactive features of the Website;
4.To notify you about changes to our service(s);
5.To improve our internal customer training,
6.To comply with financial services regulations including retention of financial information and transactions;
7.For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks;
8.For customer service, including answering questions and responding to feedback and complaints;
9.To enhance the security of our services;
10.To ensure that content on our Website is presented in the most effective manner for you and for your computer;
and
11.To provide you with information, products or services that you request from us or which we feel may interest
you.
2.Retention of Data
We are required under applicable laws to retain certain records for a period of at least 5 (five) years after closure of your
GoApptiv account, which will include your personal data such as your name, contact details, customer number and
transaction history, etc. ("Retained Data"). Other than the Retained Data, we will delete and destroy all Personal Information
that we hold about you when you (or we) terminate your GoApptiv account. We do not store your online banking login PIN,
TAN and/or password.
3.Please note that we will not store your credit card information.
4.Please note that we will never ask you to disclose your personal or security details by e- mail. If you receive any e-mail
purportedly from GoApptiv requesting your personal or security details, please do not respond to it ("Such E-mail"). Please
forward any such E- mail to [email protected] and thereafter delete the e-mail immediately.
Disclosure of Information
1.We do not disclose your Information to any third parties other than the Website's affiliates and the following:
1.a prospective buyer of our business or a buyer of a substantial number of the shares in our business;
2.the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to
disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group
companies, our customers, or others;
3.third party institutions with whom we partner to jointly provide better services, facilities or products to you. These
institutions may only use your information for providing to you their services and market related products without
requiring your further consent.
4.third parties where you have expressed an interest in receiving information about their goods and services
5.third parties who referred you to us initially and to whom we owe or receive a commission payment as a result of
the subscribed program. Where the commission payment is based on transaction volumes, numbers or types of
transactions, we may share that information with that third party, limited to details of each of your transactions
relevant for completion of the transaction without your further written consent; and
6.third parties we may occasionally use to provide you with the services that you have requested. We require these
third parties to not use your personal information for any other purpose other than the intended
2.We also use Information in aggregate form (so that no individual user is identified):
1.To build up marketing profiles;
2.To aid strategic development;
3.To audit usage of the Website
3.We reserve the right to disclose Information if required to do so by law or if we believe that it is necessary to do so to
protect and defend the rights, property or personal safety of the Website, or its users.
Fraud and Credit Agencies.
1.When you open a GoApptiv account, at intervals of up to every 3 (three) months and at any other time we feel it is
necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information
about you and your GoApptiv account, financial history and transactions as part of our normal business operations with
banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit
reference agencies (including, but not limited to) to identify and verify users, to limit our exposure to fraud and other criminal
activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your
written request to GoApptiv Helpdesk. When conducting identification or fraud prevention checks, the relevant parties may
retain a record of our query along with your information and may share this information with other fraud prevention agencies.
If you want to know what information these companies hold about you, you can write to them to request access to your
information.
2.Anti-Money Laundering Policy
In order to comply with anti-money laundering laws that exist in various jurisdictions we reserve the right to report suspicious
transactions to federal, state, provincial or local authorities and law enforcement agencies within those jurisdictions. In
exchange for us permitting you to participate in, use and access our Website and services you hereby grant us the right to
report any transactions which we deem suspicious, as determined solely by GoApptiv acting in its sole discretion. Examples
of a suspicious transaction include but are not limited to use of funds suspected to be derived from illegal activities, any
suspected intention to conceal or disguise funds derived from illegal activities, or suspicion that the involvement of our
Website and services is in any manner intended to facilitate criminal activity. If for any reason we are of the belief or become
aware of any transaction which we deem suspicious in nature, we may without prior notice or explanation to you take the
following actions, which are in addition to all other rights and remedies available to us under this Privacy Policy, at law or in
equity:
1.report such transaction to the applicable central, state, provincial or local authorities and law enforcement
agencies;
2.de-activate or terminate your GoApptiv account forthwith;
3.withhold any funds held in your GoApptiv wallet; and/or
4.restrict you from registering a GoApptiv account on or with our Website or any of our affiliated websites.
Communications
1.We may contact you via the e-mail address and phone number registered with your GoApptiv account. You may also
receive system-generated transactional e-mails such as confirmations, notification of receipt of payments, notification of
password changes etc. which are necessary for the proper operation and administration of your GoApptiv account. You
expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the
National Do Not Call Registry.
2.As a GoApptiv account holder, you may receive information by e-mail from us about products, services and special deals
which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us.
However please note that you will still receive communication regarding your GoApptiv account such as transactional
e-mails or other notifications affecting the operation of your GoApptiv account or our legal relationship.
Phishing
1.Phishing is the name given to attempts to steal personal details and other account details from a website user. "Phishers"
use fake or "spoof" emails to lead users to counterfeit websites where the user is tricked into entering their personal details,
such as credit card numbers, user names and passwords.
2.If you receive such an e-mail or are asked for your password by anyone claiming to work for us please forward the e-mail
or report the incident by e-mail to our Data Protection Officer at [email protected].
Links to Our Website and to Other Websites
1.Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and
affiliates. If you follow a link to any of these websites, please note that these websites have their own terms of use and
privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before
you submit any personal data to these websites. Please also note that the products and services offered on these websites
may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked
websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content.
2.Our Website also includes social media features, such as the Facebook Like button and widgets, such as the "Share this"
button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are
visiting on our Website, and may set a Cookie to enable the feature to function properly. Social media features and widgets
are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by
the privacy policy of the company providing it.
3.You must always obtain the prior written approval of GoApptiv before creating a hyperlink in any form from a third party
website to any webpage on the GoApptiv Website. GoApptiv may or may not give such approval at its absolute discretion. In
normal circumstances, we may only approve a hyperlink which displays plainly our name or website address. Any use or
display of our logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional
circumstances and may be subject to a fee as GoApptiv may determine at its absolute discretion. GoApptiv is not
responsible for the setup of any hyperlink from a third party website to any GoApptiv website. Any links so set up shall not
constitute any form of co-operation with, or endorsement by, GoApptiv of such third party website. Any link to our website
shall always be an active and direct link to our website and shall be made directly to the home or front page of our website
only and no "framing" or "deep-linking" of any webpage of our Website or content is allowed. Please contact GoApptiv
Helpdesk if you wish to create a hyperlink to any page of our Website on a third party website.
Cookies
1."Cookies" are small computer files that are transferred to your computer's hard drive that contain information such as user
ID, user preferences, lists of pages visited and activities conducted while browsing the Website. At your option, expense and
responsibility, you may block cookies or delete cookies from your hard drive. However, by disabling cookies, you may not
have access to the entire set of features of the Website.
2.Generally, we use Cookies to customize your experience on our Website and to store your password so you do not have
to re-enter it each time you visit the Website.
3.In addition, our business partners may use Cookies to provide us with anonymous data and information regarding the use
of our Website. Specifically, some of our business partners use Cookies to show the Website's ads on other websites on the
internet as a result of you using the Website. Such Cookies do not contain any Information. You may opt out of receiving
Cookies placed by such third party vendors by visiting the opt-out page.
4.Other Cookies used by our business partners may collect other non-personally identifying information, such as the
computer's IP address, type of operating system, type of internet browsing software, what web pages were viewed at what
time, the geographic location of your internet service provider and demographic information, such as gender and age range.
This information is used to provide the Website with more information about our user's demographics and internet
behaviours. You may find out more about the information collected and how to opt-out of receiving these Cookies by visiting
our partner's website.
5.We do not link the information stored in these Cookies directly to any of your Information you submit while on the Website.
6.In order to comply with legislation, we have reviewed the use of Cookies on our Website and set out the information below.
This is to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of
these cookies on your device when you use our Website. In summary, we use the following types of cookies:
1.Strictly Necessary Cookies
These are cookies which are essential for our Website to operate such as those which identify you so you can log
into your GoApptiv account. They allow you to move around our Website and use the services you have requested.
These Cookies will be activated when you enter our Website and as you use our Website.
2.Compliance Cookies
These include Cookies which are necessary to assist in meeting our regulatory compliance obligations, such as
anti-money laundering and anti-fraud obligations, and prevent your GoApptiv account from being hijacked. These
cookies will be activated when you enter our Website and as you use our Website.
3.Performance Cookies
These are Cookies that help us to improve how our Website works and to deliver a better service to you. For
example, they will assess which pages you visit most often or if you get an error message. They also allow us to
see if you have used the Website of one of our group or affiliated companies. All information collected by these
Cookies is aggregated and therefore anonymous.
4.Functionality Cookies
These Cookies allow us to deliver a more personalised service to you and allow our Website to remember choices
you have made such as the language you prefer or the region you are in. They may also be used to provide
services you have requested such as being able to comment on one of our blogs.
5.Third Party Cookies
When you visit a page on our Website with content embedded from third parties, for example, YouTube or Twitter,
Cookies may be downloaded onto your device. We do not set or control these Cookies. If you are concerned about
the types of Cookies that may be downloaded you check the third party websites for more information about these
Cookies.
We may use other Cookies from time to time in accordance with this Privacy Policy. By using our Website and
other online services, you acknowledge that we may use some or all of the Cookies set out in this Privacy Policy
and you agree that we can place performance and functionality Cookies on your device when you use our Website.
If you do not agree to this you should cease using our Website and online services or adjust your browser settings.
7.Blocking Cookies
Should you want to continue using our services but restrict our use of Cookies, you can block Cookies by activating the
setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser
settings to block all Cookies (including Strictly Necessary and/or Compliance Cookies, as described above) you may not be
able to access all or parts of our Website. Our Website may issue some of the Cookies described above as soon as you visit
our Website unless you have adjusted your browser setting so that it will refuse Cookies.
Web Beacons
1.In limited circumstances we also may use "Web Beacons" to collect anonymous, non- Information about your use of our
Website and the websites of selected sponsors and advertisers, and your use of e-mails, special promotions or newsletters
we send to you. Web Beacons are tiny graphic image files imbedded in a web page or email that provide a presence on the
web page or e-mail and send back to its home server information from the user's browser. The information collected by web
beacons allows us to statistically monitor how many people are using the Website and selected sponsors' and advertisers'
websites, or opening our e-mails, and for what purposes.
Website Analytics
1.We may use third party website analytics services in connection with the Website. These website analytics services do not
collect information that you do not voluntarily enter into the Website. These services do not track your browsing habits
across websites which do not use their services. We are using the information collected from these services to find usability
problems to make the Website easier to use. The recordings will never identify you or your account.
Security Checks, Review and Releases
1.To maintain a high level of security, we reserves the right to conduct a security review at any time to validate your identity,
verify your financial , Non-financial transactions and further document your consent to this Agreement. To facilitate these
security checks, you agree to provide such identification or other information or documentation as we, in our sole and
unfettered discretion, deem necessary. If you fail to comply with any security request, we reserve the right to void your
GoApptiv account. You will be notified of such verification request by e-mail or telephone and your GoApptiv account
balances will be forfeited if you fail to provide us with such requested documentation and information within the time period
reasonably specified by us. Such request for documentation and information may include a sworn affidavit of identity and
eligibility, release of liability in favour of us and publicity authorization.
User Choice
1.You may choose not to provide us with any Information while accessing the Website. In such an event, you can still access
much of the Website; however you will not be able to access and use those portions of the Website that require your
Information.
Confidentiality and Security
1.Except as otherwise provided in this Privacy Policy, we will keep your Information private and will not share it with third
parties, unless we believe in good faith that disclosure of your Information or any other information we collect about you is
necessary to:
1.comply with a court order or other legal process;
2.Protect the rights, property or safety of GoApptiv or another party.
3.I give consent to GoApptiv to collect KYC documents from PSUs and Government agencies on my behalf.
4.Enforce our Terms of Use or
5.Respond to claims that any posting or other content violates the rights of third parties.
Public Information
1.Any information that you may reveal in a review posting or other online discussion or forum is intentionally open to the
public and is not in any way private. You should think carefully before disclosing any personally identifiable information in
any public forum. What you have written may be seen and/or collected by third parties and may be used by others in ways
we are unable to control or predict.
Security
1.We are committed to ensuring that your Information is secure. To prevent unauthorised access or disclosure of Information
we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your
GoApptiv account, all internet communication is secured using Transport Layer Security (TLS) technology and the
connection is encrypted and authenticated using AES 128bit encryption key and uses Elliptic Curve Diffie-hellman key
exchange (ECDHE) RSA as a key exchange mechanism.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never
share your GoApptiv account or login details with anyone. If you are concerned that any of your login details have been
compromised, you can change them any time once you are logged on but you should always also immediately contact
customer services at GoApptiv Helpdesk and tell us why you think your login details have been compromised. Please read
our Terms and Conditions for further information on how to keep your GoApptiv account safe.
2.Although we make good faith efforts to store Information in a secure operating environment that is not open to the public,
you should understand that there is no such thing as complete security, and we do not guarantee that there will be no
unintended disclosures of your Information. If we become aware that your Information has been disclosed in a manner not in
accordance with this Privacy Policy, we will use reasonable efforts to notify you of the nature and extent of the disclosure (to
the extent we know that information) as soon as reasonably possible and as permitted by law.
Updates and Changes to Privacy Policy
1.We reserve the right, at any time, to add to, change, update, or modify this Privacy Policy so please review it frequently. If
we do, then we will notify you here, as well as by posting a notice on our Website and, where appropriate, a link to the
modified policy so that you can review it. In all cases, use of information we collect is subject to the Privacy Policy in effect at
the time such information is collected.
Your Rights
1.You have a legal right to a copy of any Information about you held by us. You also have a right to correct any errors in that
Information. As mentioned above, you have a right to request that we cease to use your Information for direct marketing
purposes.
Restriction of Liability
1.We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of this
Website and expressly disclaim liability for errors and omissions in the contents of this Website.
2.No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of
third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given with respect
to the contents of the Website or its hyperlinks to other internet resources.
3.Reference in this Website to any specific commercial products, processes, or services, or the use of any trade, firm or
corporation name is for the information and convenience of the public, and does not constitute endorsement,
recommendation, or favouring by us.
4.The contents of this website are under copyright and/or trademark of their original author(s) unless otherwise noted on the
page itself.
If you have questions or concerns, feel free to e-mail us or to correspond at GoApptiv Helpdesk and we will attempt to
address your issue
Policy Addendum for ChannelPaisa Terms and Conditions
Section 1: GST Verification
● Requirement: All Channel Partners/ Resellers must provide valid GST registration details and ensure the GST
firm name matches the registered firm name on ChannelPaisa
● Consequences: Failure to provide accurate GST information may result in the suspension of the account and the
rejection of invoices.
Section 2: Invoice Verification
● Process: The app will verify invoice authenticity by cross-checking the following: ○ GST details
○ PAN number
○ Invoice templates
○ Invoice amounts and quantities against previous records
● Consequences: If inconsistencies or anomalies are detected, the invoice may be rejected, and an investigation
may be initiated.
Section 3: Suspicious Activity Reporting
● Definition: Suspicious activity includes but is not limited to:
○ Sudden increases in invoice volume or value
○ Related party transactions
○ Suspicious Supplier & Reseller relationship
○ Inconsistencies in GST or PAN information
○ Evidence of fraudulent activity
○ App access by unauthorized User/s
○ App access from multiple Mobile Devices
○ Ownership of multiple App accesses
● Action: If any suspicious activity is detected, the Reseller will be placed under Compliance Investigation.
Section 4: Additional Information Requirement
● Parties Involved: During investigation, the Reseller may be required to provide additional documentation,
including but not limited to:
○ Secondary statement
○ GST invoice
○ Monthly purchase statements
● Failure to Provide: Failure to provide the requested information may result in the suspension or termination of the
account.
Section 5: Consequences of Fraud
● Blacklisting: Parties found guilty of fraudulent activities or noncompliance with policies will be blacklisted, and
their accounts will be terminated.
● Legal Action: ChannelPaisa reserves the right to take legal action against any party involved in fraudulent
activities.
● Recovery: If applicable, ChannelPaisa may seek recovery of any losses incurred due to fraudulent activity.
Section 6: Responsibility
● Parties Involved: Each party involved in the transaction (Supplier/ Reseller/ GoApptiv Representative) is
responsible for ensuring compliance with all applicable laws, regulations, and policies.
● ChannelPaisa: ChannelPaisa is responsible for implementing reasonable measures to detect and prevent
fraudulent activity. However, ChannelPaisa is not liable for any losses incurred by users due to fraudulent activity
that is beyond its reasonable control.
Note: This policy addendum is intended to provide a general overview of the requirements and consequences
related to fraud prevention. Specific terms and conditions may vary depending on applicable laws and regulations.