The utilization or access to the services offered by STARLFINX INDIA PRIVATE LIMITED ("Starlfinx", "we," "us," or "our") is subject to these Terms and Conditions ("Terms"). As a user ("Merchant," "you," "your"), please carefully examine these terms before using or accessing the services. By accessing and using the Services, you acknowledge and agree to be legally bound by these Terms. This action establishes a contractual relationship between you and Starlfinx. If you do not agree to these terms, you are not authorized to access or use the Services.

Definitions:

  • Personal Information:

    As per SPI Rules, "Personal Information" refers to any data related to a natural person that can, either directly or indirectly, in conjunction with other available or likely-to-be-available information held by a corporate body, identify that person. This category includes but is not limited to name, address, mobile number, etc.

  • Sensitive Personal Data or Information:

    According to SPI Rules, "Sensitive personal data or information" encompasses personal information that includes details such as:

    • i) Passwords
    • ii) Financial information like bank accounts, credit card details, debit card details, or other payment instrument details
    • iii) Physical, physiological, and mental health condition
    • iv) Sexual orientation
    • v) Medical records and history
    • vi) Biometric information
    • vii) Any information received by a body corporate for processing or storage under lawful contract or otherwise, as specified in the clauses above.
  • Payment Data:

    "Payment Data" is defined as comprehensive transaction details and information related to payment or settlement transactions collected, transmitted, or processed as part of a payment message or instruction. Payment Data includes:

  • Customer data (Name, Mobile Number, email, Aadhaar Number, PAN number, etc., as applicable)
  • Payment sensitive data (customer and beneficiary account details)
  • Payment Credentials (OTP, PIN, Passwords, etc.)
  • Transaction data (originating & destination system information, transaction reference, timestamp, amount, etc.).

Types of Information We Collect

We collect various types of information from Users who access and use our Website. To create an account, engage in transactions, and receive customer support services, Users are required to provide Personal Information and Sensitive Personal Data or Information. The information collected may include:

  • Full name and age
  • Username and password
  • PAN
  • Password of the User's registered account
  • Postal address
  • Email address
  • Mobile number
  • Internet Protocol (IP) addresses (collected through cookies)
  • URL of the website accessed before and after visiting our Website
  • Credit/debit card number, expiration date, and/or other payment instrument details
  • User feedback, queries, emails, letters, and suggestions
  • Third-party information about the User's activities or postings on the Website
  • Information about the mobile/tablet device where the App is installed or the mobile device identifier
  • Any other information relevant to access and use our Website, as required by us.

Purpose of Collection:

We collect your Personal Information and Sensitive Personal Data or Information for specific, clear, and lawful purposes, including but not limited to:

  • We provide users with a safe, efficient, smooth, and personalized experience on our Website.
  • Improving our services and products.
  • Responding to queries or complaints related to our services.
  • Sending promotional emails, newsletters, or notifications about policy changes.
  • Analyzing website traffic and conducting market research on users' demographics, interests, and behavior.
  • Creating new products and services.
  • Providing customer support services.
  • Detecting, preventing, and addressing errors, fraud, criminal activity, abuse of services, and technical issues.
  • Enforcing Terms and Conditions.
  • Providing co-branded services in affiliation with other corporate entities.
  • Other lawful purposes as described during the collection of information.

How Information Is Collected:

Information is collected voluntarily from Users during their interactions with our Website, social media profiles, and customer support service. Additionally, data is automatically collected by analyzing online behavior through cookies.

Users have the option to withhold certain information or withdraw consent at any time in accordance with this Policy. Withdrawal of consent may result in limited access to features and services on the Website.

Disclosure of Information:

Users consent to the sharing of their Personal Information and Sensitive Personal Data or Information with trusted affiliates and third parties for lawful purposes outlined in this Policy. Disclosure to government institutions or authorities is limited to situations mandated by law or for the protection of legal rights.

Use of Cookies and Other Technologies:

To enhance the Website's effectiveness, cookies or similar technologies are used to collect information and assign a unique random number (User ID) to each visitor. Third parties may also place cookies on certain pages, and we disclaim responsibility for their use.

Links to Other Websites:

References on this Website to any names, marks, products, or services of third parties or hyperlinks to third-party websites or information are offered solely for your convenience. These references and links do not, in any manner, indicate or suggest our endorsement, sponsorship, or recommendation of the third party, information, product, or service. Unless explicitly stated otherwise, we do not disclose your Personal Information to these third parties, and we are not accountable for their privacy practices. We recommend that you carefully review the privacy policies of all such third-party websites.

How We Secure the Information:

Stringent security measures are implemented to prevent misuse, unauthorized access, modification, disclosure, or destruction of Personal Information and Sensitive Personal Data or Information. Information is stored on secure servers, password-protected, and access is restricted on a need-to-know basis. Periodic reviews are conducted to enhance security, and in the event of a security breach, Users will be promptly notified, and necessary measures will be taken to remedy the breach.

How Long Do We Retain Your Personal Data

We retain personal data only for the duration necessary to fulfill the originally stated purposes, which may include meeting legal, accounting, or reporting obligations. The determination of the appropriate retention period involves considerations such as the volume, nature, and sensitivity of the personal data.

We take into account the potential risk of harm resulting from unauthorized use or disclosure of personal data. The specific purposes for processing personal data and the feasibility of achieving these purposes through alternative means are also considered in establishing retention periods.

Legal requirements applicable to the retention of personal data are carefully considered and adhered to when determining the appropriate duration. Once the purposes for which personal data were collected are fulfilled, we take steps to ensure the secure and timely disposal of the data.

Correction and Updation of Information:

Users are responsible for notifying us of inaccuracies in their Personal Information or Sensitive Personal Data or Information. Information can be reviewed, updated, or modified through the User's Account on the Website.

Mailers:

Users may receive direct mailers, and the option to opt out is provided through links or other means. Starlfinx respects User privacy and takes steps to remove Users who choose not to receive mailers.

Advertising:

Our Website uses third-party advertising companies to serve ads. You may receive advertisements about goods and services of interest to you from these companies using anonymized information (i.e. anonymous information without your name, address, email address or mobile number). The anonymous information is usually aggregated statistics about our website's traffic to various pages.

Data Control:

Customers retain the right and control over their provided personal data. They can request an overview of their data by sending us an email. In specific situations, you may ask us to modify, erase, block, or restrict the processing of your personal data, or object to specific ways in which we use it.

We depend on you to ensure the completeness, accuracy, and currency of your personal data. Please promptly inform us of any changes or inaccuracies in your personal data. Starlfinx empowers customers to manage how their personal data is utilized by us through the following means:

  • You can request a copy of the personal data we hold about you.
  • You can notify us of any changes to your personal data or request corrections.
  • Individuals can ask us to erase, block, or restrict the processing of their personal data or object to specific ways we use it.
  • In certain situations, individuals can ask us to send the personal data we hold to a third party.

If we use personal data based on an individual's consent, they have the right to withdraw it at any time, subject to applicable law. Moreover, when processing personal data based on legitimate or public interest, individuals can object at any time, considering applicable law.

Notifications and Updates: 

This Policy may be periodically updated to include new services, adjustments in our privacy practices, or changes in relevant laws. The "Last updated" indication at the top of this Policy specifies the date of the last revision. The effectiveness of any changes is contingent upon posting the updated Policy on the Services or providing notice of the update as required by law.

Disclosures and alerts related to the Policy or Personal Data may be communicated through postings on our website. If you are an End User or Representative, we may also contact you through your Starlfinx Dashboard, email address, and/or the physical address listed in your Starlfinx account.