Privacy Policy

1.Executive Summary
This Privacy policy describes how Mosambee collect, use, disclose, transfer, store, retain or otherwise process your information when you (whether you are a person or business) apply or sign up for/on a Mosambee POS account or other services through Mosambee website or product applications. It also applies to your use of our website and/or Services, and covers information collected in connection with your access to and use of our website and/or Services. Please read this Privacy Notice carefully.

2.Exclusion
None

3.What information we collect from you
a)At the time of merchant enrolment.
We may collect the below information from the merchant at the time of enrolment depending on the applicant type.

Document List

b)At the time of usage of our products and services.
We may collect or receive information you provide when you use Mosambee POS or other Services, go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise use the Services.

i.Merchant identification number (issued by acquirers)
ii.Terminal identification number (issued by acquirers)
iii.Other identification details (shared by acquirers)
iv.Email address
v.Contact details
vi.Residential / business address / shipping address
vii.Email address and phone number of end user.
viii.End user encrypted credit card and debit card details presented at the time of transactions via payment devices approved devices by PCI. (No physical copy or photocopies)
ix.BQR and UPI details
x.Time of transaction
xi.Geo location
xii.IP addresses
xiii.Names of the transacting parties
xiv.Description of the transaction
xv.Amount of transaction
xvi.Devices and payment method used to complete transaction.

4.How we collect your information.
a)Digitally through Mosambee application
b)Visiting physically and collecting photocopies.
c)Third party channel partners who abide by Mosambee Privacy policy.

5.How we use your information.
a)Why we collect
i.Identity Verification
ii.Background Information.
iii.Credit, Compliance and Fraud check.
iv.Processing or recording payment transactions.
v.Displaying your historical transaction
vi.Developing new products and services
vii.Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages including to resolve disputes, charge back issues, collect fees, and help with problems with our Services or your Mosambee account.
viii.Improving, personalizing, and facilitating your use of our Services;
ix.Measuring, tracking, and analysing trends and usage in connection with your use or the performance of our Services.
x.Displaying your historical transaction or appointment information
xi.Sending you information we think you may find useful or which you have requested from us about our products and services;
xii.Conducting surveys and collecting feedback about our Services.
xiii.Protecting our Product and Services and Maintaining a Trusted Environment
xiv.Advertising & Marketing
xv.Enabling merchant to use payment and settlement services.

b)Whom we share your information with.
i.Acquirers (Bank)
ii.Card issuers
iii.Regulators, third-party compliance auditors, forensic teams and other government organization on request basis only. (E.g., RBI, NPCI, PCI, ED etc.)

6.How long we store your data.
As per organization information security policy, the PII and SPII data is classified as confidential data. We take below security measures to protect the data.
i.Encryption
ii.De-identification
iii.Integrity controls
iv.Authenticated and authorized access

Below is the retention period defined to keep the PII / SPII data.

Data SubjectCategoryRetention
MerchantKYC and MEF form5 years from last transaction or relationship end date
MerchantBank account details5 years from last transaction or relationship end date
MerchantCard details7 years
MerchantMobile number / Email address5 years from last transaction or relationship end date.

7.Your choices
a)Deactivating your account
If you wish to deactivate your account, you can do so by logging into your Mosambee account or by emailing us on: Support@mosambee.com
b)Right to rectify / update information.

If you wish to update / rectify your information with us, you can do so by either informing the acquirers or logging into your Mosambee account or by emailing us on: Support@mosambee.com
c)Location information.
In order to provide certain services, we may require access to location information including precise geolocation information collected from your device. If you do not consent to collection of this information, certain services will not function properly, and you will not be able to use those services.
d)Promotional Communications
You can opt out of receiving promotional messages from Mosambee by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, or by changing your notification settings by logging into your Mosambee account. You may only opt-out of text messages from Mosambee by replying STOP. Opting out of receiving communications may impact your use of the Services. If you decide to opt out, we can still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

8.Cookies and other similar technologies.
We use various technologies to collect or receive information when you access or use our Services, including placing a piece of code, commonly referred to as a “cookie,” or similar technology on your device and using web beacons. Cookies are small data files that are stored on your hard drive or in your device memory when you visit a website or view a message. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We will begin collecting information about you or from activity on devices you use as soon as you use the PoS and/or our Services. By using our Services, you permit us to collect or receive and use your information from activity on devices you use in accordance with this Privacy Notice. Certain cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and, as such, will last longer.
We may use cookies to:
i) Remember that you have visited us or used the Services before. This allows us to identify the number of unique visitors we receive, so that we can provide enough capacity to accommodate all of our users.
ii) Customize elements of the promotional layout and/or content of our Services.
iii) Collect data about the way you interact with our Services (e.g., when you use certain features).
iv) Collect data to assess and improve our advertising campaigns, including sending information to our business partners.
v) Allow our business partners (including third parties) to use these tracking technologies to track your behavior on our behalf on our website/platform (including when you use multiple devices) and on partner websites.
vi) Enable third parties to collect data about the way you interact across sites outside of our Services.
vii) Collect anonymous statistical information about how you use the Services (including the length of your web or application session) and the location from which you access the Services, so that we can improve the Services and learn which elements and functions of the Services are most popular with our users.
Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies, or to notify you each time a cookie is set. Please note, however, that by blocking or deleting cookies used in the Services, you may not be able to take full advantage of the Services. We also may collect or receive information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We use web beacons to deliver cookies, track the number of visits to our website and apps, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.
9.Contact data security officer
Please contact our Data Security Officer with any questions or concerns regarding this Privacy Notice and/or security by writing an email on: datasecurityofficer@mosambee.in
If you have any questions or concerns regarding our notice, or if you believe our notice or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our Privacy Department listed above, and we will respond to let you know who will be handling your matter and when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We may keep records of your request and any resolution.

10.Data storage location
We declare that all the payment data are processed within the jurisdiction of India and there is no processing or sharing of data outside the jurisdiction of India.
11.Children’s information.
Our Services are general audience services not directed at children under the age of 13. If we obtain actual knowledge that any information we collect or receive has been provided by a child under the age of 13, we will promptly delete that information. We strongly recommend refraining from providing / collecting such information.
12.Changes to privacy notice.
We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email, if you have provided an email address. If you disagree with these changes, you may cancel your account at any time. Your continued use of our Services constitutes your consent to any amendment of this Privacy Notice.

Thank You