The words “Citrus”, “we”, “our” and “us” refers to Citrus Payment Solutions Private Limited, a company incorporated under the laws of India and having its registered office at
H 203, Greenwoods, Chakala, Andheri Kurla Road, Andheri East, Mumbai- 400093 and its corporate office at Office No.31, 3rd Floor, 124 Viraj Premises, Above HDFC Bank, Khar West, Mumbai – 400 052.
The words “you”, “your” or “yours” refer to any person who has used, accessed or browsed the Site and/or availed the services offered by Citrus. The terms / words not defined herein shall have the same meanings as defined in the Terms and Conditions (as defined below) applicable to the use of Citrus website at www.citruspay.com or any other website created by Citrus, as may be modified by Citrus from time to time (“Site”)..
Citrus is an innovative payments service provider for digital transactions. Citrus was created to make your life simple and easy to pay for things. Like our service, we keep things simple and easy. Citrus values your privacy and security and follows the highest industry standards and practices to ensure the information you provide us is secure and will never be shared with any third party for marketing purposes.
I. Information Collection, Use, Handling and Sharing
1.1 Use of information for access to Site and/or services of Citrus
1.1.1 The information collected is relevant and necessary to understand you or your online browsing search pattern. The information is collected with an intention to provide you with updated information, help regarding usage of the Site or new services, offers, if any, that we think you might be interested in, to carry out follow ups, to assist with customer service or technical support issues, to enforce the Terms and Conditions of Citrus or to prevent fraud and unlawful use.
1.1.2 We do not sell or rent your information, including the Personal Information (as defined below).We do not share your information with any third party outside of our organization, other than as necessary to fulfil your request. It may be noted that Citrus has strict guidelines with respect to unauthorized access to information provided by you. However, we may pass your Personal Information to other third parties in the following scenarios:
(i) To help us process questions you may have about the Site and/or the services offered by Citrus;
(ii) To confirm or correct what we know about you;
(iii) We may pass your Personal Information to our employees, contractors, suppliers, third party service providers and/or agents to administer the services provided to you by us now or in the future;
(v) Assisting an agency in undertaking information for us;
(vi) If another organization is engaged by us to perform tasks on our behalf;
(vii) Compliance with an audit on our business;
(viii) If we sell all or any part of our business or merge with another company;
(ix) If it is necessary for legal proceedings and when we believe in good faith that any applicable law, regulation, government, regulatory or other authority, agency or officer requires it or to protect the safety or security of users of the Site;
(xi) To obtain advice from third parties such as auditors or legal advisors.
1.1.3 In addition to the above, disclosures may also be made if it was clearly stated at the time of registration and, where required, if you have given permission for this. Generally, we will disclose only the information we consider reasonably necessary to disclose. Also, some general statistical information about the Site user base, traffic volumes and related matters may be passed on to reputable third parties but these details will not include information personally identifying you.
1.1.6 What we know about you we get mostly from you. But we may also have to find out more about you from other sources in order to verify the information submitted by you, and to make sure that what we know about you is correct and complete. This kind of verification is primarily done in order to address various security concerns, and to ensure that you comply with the provisions of applicable laws, and the terms and conditions available on the Site (“Terms and Conditions”) and other terms and conditions as may be prescribed by us from time to time. We do not collect personally identifiable information (including Personal Information) about you, except when you specifically provide such information on a voluntary basis.
1.1.7 We are sensitive towards your information including your Personal Information and non-personal information (email, business details, demographic location and address, age, name, phone number etc.,) provided at the time of using and/or browsing the Site or otherwise while availing the services offered by Citrus.
1.1.8 Your Personal Information may be used by us to:
(i) monitor, develop and improve the Site, services offered by Citrus and your experience;
(ii) assist in and administer the provision of services offered by Citrus to you;
(iii) process and deal with any complaints or enquiries made by or about you, and
(i) investigate any suspected breach of the Terms and Conditions or the breach of other terms and conditions otherwise relating to you and to monitor compliance including by way of checking postings or submissions to the Site.
1.1.9 You hereby agree and acknowledge that by accessing and browsing the Site, you consent to Citrus undertaking the following:
(i) send you and keep you updated with information by email, telephone (including SMS) or mail about existing and new services and benefits from us;
(ii) use the information for marketing and for market research/industry/sector analytics purposes, including internal demographic studies, to provide, optimize and personalize our services and to send you newsletters and information about our services.
1.1.10 The information is readily available on the Site and only viewable by you by logging on to the Site. You, at all times, have the option not to provide any Personal Information or other information about you without agreeing to register on the Site and otherwise withdraw your consent by communicating the same to us in the manner stipulated in the Terms and Conditions and the policies of Citrus. Upon withdrawal, Citrus will have no obligations towards you nor will it be liable in relation to any services offered by Citrus during the time you had consented to retain the information with Citrus.
1.1.11 Please note that if you opt out from providing personal or other information requested by us, in the manner stipulated in paragraph 7.1 below, you may not be able to access certain areas of the Site and/or avail certain services offered by Citrus. However, it may be noted that Citrus reserves the right to send service related and your specific and preferred transaction related communication without offering you the facility to opt-out. You can update your Account Information (defined below), Personal Information and other information at any time. At your request, Citrus can also cancel your registration and remove/block your Personal Information from its database/ Site. However, this information may remain in our archive even after deletion or termination of your account as required by law and the handling of the same is in accordance with the provisions of the applicable law and as intimated by the government agency from time to time.
1.1.12 In relation to any payment made through the Site and/or the services offered by Citrus, the online payment gateway operated by third party is being used by Citrus. It may be noted that the information that you provide at the time of making any payment through the Site and/or services offered by Citrus is held and stored with third party payment gateway operator authorised at multiple points. The payment gateway operator may also have access to your online payment history/details in relation to the payment made through the Site and/or the services offered by Citrus. These payment gateways are digitally encrypted, thereby providing the highest possible degree of privacy and care available, currently. Whilst we are unable to guarantee 100% (One Hundred percent) security, this makes it hard for a hacker to decrypt your details. You are strongly recommended not to send full credit or debit card details in unencrypted electronic communications with us. Also, you are responsible for protecting against unauthorised access to your password and to your computer. We will not be liable for the disclosure and dissemination of Personal Information to third parties which you as prudent user put up on the Site, and available to the other users of the Site.
1.1.13 It is hereby clarified that we do not store extremely sensitive information of your credit card/debit card on our database, other than in line with the industry practice in relation to security of stored data.
1.1.14 It may be noted that Citrus handles all such information in accordance with the provisions of the applicable law as may be applicable from time to time and only for the duration lawfully required, thereunder. Citrus may disclose aggregated information, including to aggregators, about the use of the Site without Personal Information. Citrus implements standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, Citrus feels prudent to inform you that no internet site can fully eliminate security risks and enforcement of privacy laws are at a developing stage in some parts of the world.
1.2.3 It is clarified that we store information including Personal Information only in the manner contained herein and in accordance with the provisions of applicable law.
1.2.4 You can change your web browsers settings to accept or not to accept Cookies. Citrus may use third-party service providers to serve ads on its behalf across the internet and sometimes on the Site. Such third party service providers may collect anonymous information about your visits to the Site and use of the services offered by Citrus. Personally identifiable information is not linked to data collected from this source.
1.2.5 The Site could use log file including internet protocol addresses, browser type, internet service provider, referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the Site, track user movement and gather broad demographic information for aggregate use. These are not linked to information identifiable personally.
II. Third Party Sites
2.2 Citrus clarifies that the Linked Sites are operated by third parties and are not under control of or affiliation or association of Citrus unless specifically expressed by Citrus. Citrus is not responsible for any form of transmission, material received from any Linked Site. We are not liable and do not represent anything regarding the privacy practices and policies adopted by the Linked Sites and their owners/ operators. Also, we are not in a position to control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other relevant materials available on the Linked Sites.
2.3 Providing the Linked Sites on Site does not imply or convey any endorsement by Citrus in any manner or of the contents of the Linked Site. You are aware that the information you provide on the Linked Sites shall be governed by policies of the Linked Sites which you view. Citrus does not have power or authority to prevent misuse of your information through the Linked Sites or advertisers.
3.1 We take precautions to protect your information. When you submit sensitive information via the Site, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data or other payment preferences), that information is encrypted and transmitted to us in a secure way by using secured sockets layer (SSL) encryption.
3.2 While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service or responding to legal requests) are granted access to Personal Information. The servers in which we store Personal Information and payment information are kept in a secure environment with required isolation.
4.1 To avail any of the services offered by Citrus, you are required to register and open an account with us by using the Account Information. You agree to provide correct information towards your continued usage of services offered by Citrus. Citrus will save your Account Information, including identification (as profile), payment (as saved accounts) and transaction (as transaction history) related information to process your requests faster and securely for your convenience.
V. Acceptance to terms
5.3 By availing services offered by Citrus, you accept that Citrus may communicate with you about our products, services, offers, events and promotions, and offer you products and services we believe may be of interest to you. This includes offers, discounts and general information.
VII. Your Access to and Control over Information
7.1 In case you do not want to give us access to any information, including any Personal Information or Account Information, you may choose to opt-out of all promotional/non-promotional communications by contacting us at email@example.com or call us at (+91) 8767709900.
7.3 You can do the following at any time by contacting us via the email address or phone number given provided as above to:
(i) Check and edit your profile information, including Account Information;
(ii) Check what data we have about you, if any;
(iii) Change and/or correct any data we have about you;
(iv) Delete any data we have about you.
(v) Express any concern you have about our use of your data.
We will collect and retain information about your transactions and service requests based on Cookies, network information and device information to provide adequate security, prevent fraudulent transactions and for audit and legal purposes which will not be revealed in public.