1. Introduction
PayAssured, a brand of Ratio Ventures LLP ("we," "our," or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our debt recovery services.
Company Information:
Ratio Ventures LLP
1383, HBR Layout
Bengaluru, India
Email: [email protected]
Phone: +91 7019054978
2. Information We Collect
2.1 Personal Information
We may collect the following types of personal information:
- Contact Information: Name, email address, phone number, postal address
- Business Information: Company name, industry, business registration details
- Financial Information: Debt amounts, payment history, financial documents
- Legal Information: Case details, legal documents, court filings
- Communication Records: Emails, phone calls, meeting notes
2.2 Automatically Collected Information
We automatically collect certain information when you visit our website:
- Usage Data: Pages visited, time spent, click patterns
- Device Information: IP address, browser type, operating system
- Cookies and Tracking: Cookies, web beacons, similar technologies
- Location Data: General geographic location based on IP address
3. How We Use Your Information
We use your information for the following purposes:
- Service Delivery: To provide debt recovery services and legal consultation
- Communication: To respond to inquiries and provide updates on your case
- Legal Compliance: To comply with applicable laws and regulations
- Case Management: To manage and track your debt recovery case
- Payment Processing: To process payments and manage billing
- Marketing: To send promotional materials (with your consent)
- Analytics: To improve our services and website functionality
- Security: To protect against fraud and unauthorized access
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
4.1 Legal Requirements
- When required by law or legal process
- To comply with court orders or government requests
- To protect our rights and interests
4.2 Service Providers
- Third-party service providers who assist in our operations
- Legal professionals and consultants
- Technology service providers
4.3 Business Transfers
- In connection with mergers, acquisitions, or asset sales
- As part of business restructuring
4.4 Consent
- When you have given explicit consent
- For purposes disclosed at the time of collection
5. Data Security
We implement appropriate technical and organizational measures to protect your information:
- Encryption: Data is encrypted in transit and at rest
- Access Controls: Limited access to authorized personnel only
- Regular Audits: Periodic security assessments and updates
- Secure Infrastructure: Protected servers and secure data centers
- Staff Training: Regular privacy and security training for employees
6. Data Retention
We retain your information for the following periods:
- Active Cases: Throughout the duration of your debt recovery case
- Completed Cases: 7 years after case completion for legal compliance
- Marketing Data: Until you opt out or 3 years of inactivity
- Website Data: As specified in our cookie policy
7. Your Rights
You have the following rights regarding your personal information:
- Access: Request copies of your personal information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal information
- Portability: Request transfer of your data to another service
- Restriction: Request limitation of processing
- Objection: Object to certain types of processing
- Withdraw Consent: Withdraw consent for marketing communications
To exercise these rights, contact us at [email protected]
8. Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Provide personalized content and advertisements
- Improve website functionality and user experience
You can control cookie settings through your browser preferences.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending email notifications to registered users
- Updating the "Last updated" date at the top of this policy
11. Contact Information
If you have questions about this Privacy Policy or our data practices, please contact us:
12. Governing Law
This Privacy Policy is governed by the laws of India. Any disputes arising from this policy will be subject to the jurisdiction of the courts in Bengaluru, India.
