Privacy Policy

Hamro Pay is a product of Lenden Sewa Pvt. Ltd. a fintech company based in Nepal and is now an integral part of Hamro Patro. Protecting consumer privacy is a priority at Lenden Sewa Pvt. Ltd. (“Hamro Pay”, “we” or “us”). This policy applies only to the information Hamro Pay collects through its Services, in email, text and other electronic communications sent through or in connection with its Services. This policy does not apply to information that you provide to, or that is collected by, any third-party, such as partner merchants at which Hamro Pay is used to pay and transfer funds. We encourage you to consult directly with such third-party merchants about their privacy practices. Please read this policy carefully to understand Hamro Pay policies and practices regarding your information and how we will treat it.

Introduction

This is a notice to inform you of our policy about all information that we record about you. It sets out the conditions under which we may process any information that we collect from you, or that you provide to us. It covers information that could identify you (“personal information”) and information that could not. In the context of the law and this notice, “process” means collect, store, transfer, use or otherwise act on information.
We take the protection of your privacy and confidentiality seriously. We understand that all visitors to our website are entitled to know that their personal data will not be used for any purpose unintended by them, and will not accidentally fall into the hands of a third party.
We undertake to preserve the confidentiality of all information you provide to us, and hope that you reciprocate.

We will keep your information on a secure server and we will fully comply with all applicable Data Protection laws and consumer legislation. We use your information only for the following purposes:

Maintaining a record of correspondence.
To serve website content to you.
To administer this website and to notify you about changes to our service.
For the detection of fraud.

You should be aware that if we are requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your Personal Information and/or User Information, we are entitled to do so.
Except as set out, we do not share, or sell, or disclose to a third party, any information collected through our website.

what personal data we collect?

The personal data that we collect from you depends on how you interact with us and our products and services. When we say "personal data" or "personal information" we mean any information related to an identified or identifiable natural person. The following are the categories and specific types of personal data or information we may collect:

Basic Identifying Information: Including your full name, postal address, e-mail address, phone number, date of birth, occupation demographic information.

Company Information: If any Agency/Firm/Company is being registered as An Agent / Distributor / SubAgent, Merchant, a physical/digital form needs to be filled up, agreement signed and submitted to Hamro Pay. The details to be collected are: Mobile Number, Name of the Agent Business (only registered business name will be valid not individual person), Personal details of the directors, Business Type, Registration Certificate, Address, Secondary contact details, Bank Details (Optional), Business Document PAN, MOA, AOA, License (if any).

Payment Information: Including your financial instrument details (either debit/credit card) or bank account details.

Government Issued Identification or Records: Including your citizenship, driver's license, passport (as well as a picture of yourself with your identification documentation), records of proof of address, or evidence of how you will fund your Transaction (e.g., bank statement or pay slip).

Geolocation Data: Including information about the location of your device, such as information derived from your device (e.g., based on a browser or device's IP address).

Transaction Information: Including your transaction history/logs (including a unique Transaction reference number), purpose of transfers and referral rewards.

Recipient Information: Including your recipient's full name, phone number, selected certain financial institution or financial account details such as bank account or mobile wallet account.

User Generated Information or Content: Including your communications with us and any other content you provide us such as social media profiles, photographs, images, videos, survey responses, comments, product reviews, testimonials, information you provide us for customer service (including chat) and other content.

Technical Information: Including the hardware and software you use to access our Services, network information, internet service provider, operating system, or the type of browser you use.

Internet or Network Activity Information: Including information on your interactions with our Services or Sites or browsing or search activity.

Audio and Visual Information: Including photographs, images, videos, and recordings of your voice (such as when we record customer service calls for quality assurance).

Inferences: Including information we may infer from other information described above.

collection of information

We collect personal and non-personal information in order to offer or provide services to you. We may obtain this information from a variety of sources including, but not limited to the following:

Directly from customer applications, questionnaires and other materials submitted to us by the sender.
From transactions in which Hamro Pay and the sender are involved.
From clickstream activity on our website (including the use of “cookies” and or “web beacons,” as discussed below) and,
From a variety of third-party sources, such as government repositories, consumer reporting agencies and other financial institutions.

Use of web cookies and web beacons

A "cookie" is a small text file placed on your computer's hard drive by a web server and which is acknowledged by your web browser. "Web beacons" are transparent electronic images placed in the web code, also called "clear GIFs". We use cookies and/or web beacons for a variety of purposes, including, but not limited to, the following:

To assist us in providing our services to you;
To allow you to change pages during your visit to our website without repeatedly having to re-enter your password;
To track activity on Our website; or
To determine whether you came to our site from a banner ad or an affiliate website. You can usually set parameters on your computer that allow you to elect to accept cookies or to have your browser notify you each time a cookie is offered. You can also usually delete cookies from your hard drive. Instructions on how to accept cookies, on how to be notified that a cookie is being offered and on how to delete cookies are available through your internet Browser.

Disclosure of information:

Hamro Pay does not sell, distribute, or otherwise disclose your information to third parties without first obtaining your express written consent and giving you an opportunity to opt-out of such disclosure. There are some disclosures to third parties that are not subject to the opt-out, such as the following: disclosures necessary to effect, administer or enforce a transaction requested by you, to companies that perform services for us, to prevent fraud; and, in addition, Hamro Pay may disclose information about former consumers or customers to third parties and companies with which Hamro Pay is affiliated. Those disclosures may consist of the following:

Financial background information describing financial status;
Identification information, such as name and address data;
Transaction information, such as account activity, debit activity or credit activity; and
Other information relating to financial matters.

links to other websites:

Hamro Pay may create links to third party websites. Hamro Pay is not responsible for the content or privacy practices employed by websites that are linked from our website. If you have any questions or comments about Hamro Pay Online Privacy Statement or for some reason believe we have not met our commitment to safeguard your privacy, please contact us at the customer service number listed at the end of these Terms. We urge you to review this statement whenever you visit in order to obtain the most current statement.

changes to this privacy policy

As stated above, Hamro Pay can update this privacy policy at any time on its own discretion. However when we do so, we will update this privacy policy herein. We encourage you to frequently check this page for any changes in order to stay informed about how we are helping to protect your personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications time and again.

your acceptance of these terms

By using this Site, you show your acceptance towards this privacy policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

contact us

Contact Provider, if you have other questions or suggestions relating to our use of your Personal Information and about this privacy and security policy, please email us at [email protected] or call us at +977-9801308862.