Privacy Policy - XPay Life

1. Xpay.Life is committed to safeguarding the privacy of the customers and users (you/your) who interact with Xpay.Life. You may give us information about you by filling in forms or by corresponding with us by letter, phone, e-mail or otherwise. This external privacy policy (the Privacy Policy) sets out our personal information collection and sharing practices and is intended to inform you of the ways in which we collect personal information, the uses of that personal information and the ways in which we will share any personal information you choose to provide to us.

2. Social Media Logins Like Facebook and Google is used for user convenience and it only stores Email only.

3. Xpay.Life may contain links to other third party websites (for instance, for registration purposes to events organized by third parties). If you follow a link to any of those third party websites, please note that they have their own privacy policies and that we do not accept any responsibility or liability for their policies or processing of your personal information. Please check these policies before you submit any personal information to such third party websites.

4. This Privacy Policy is intended to explain our privacy practices and covers the following areas:

Note: Our privacy policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to Xpay.Life applications, desktop, website & mobile app.

Information we may collect about you

We will collect and process all or some of the following personal information about you: The personal information that you provide to us such as when you complete a form on our site, including but not limited to, your name, email address, phone number, country and company (and/or the industry your work in). We may also process information on your education and work experience in connection with a job opening at Xpay.Life for which you wish to be considered. You may also provide us with your contact details, address and bank details to enable us to perform a contract you have entered into with us or to make payments to you in relation to goods or services you provide to us.

Correspondence and other communications if you contact us by telephone, letter or by email, we will typically keep a record of that correspondence or communication.

Usage details of your visits to Xpay.Life ,information collected through cookies and other tracking technologies including, but not limited to, your IP address and domain name, your browser version and operating system, browser language, access time, traffic data, location data, web logs, movements on the website, referring web site addresses and other communication data. We may also collect information about the pages you view at Xpay.Life and other actions you take while visiting us. In addition, we may also use such technologies to determine whether you’ve opened an e-mail or clicked on a link contained in an e-mail.

Information from third parties we may also be provided with your information from other sources, for example from our affiliate companies or business partners in relation to business opportunities or from search engines, credit reference companies or government agencies, in relation to our due diligence processes.

For a better experience, while using our service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy. Xpay.Life does use third party services that may collect information used to identify you.Link to privacy policy of third party service providers used -

Note: Social Media Logins Like Facebook and Google are used for user convenience and it stores Email only.

Personal Information

Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as name, mailing address, telephone number, email ID, information about your mobile phone, operating system version, DTH number, Electricity consumer no, and any details that may have been voluntarily provide by the user in connection with availing any of the services on Xpay.Life.

Use of your personal information

In order to fulfil your requests, we may need to share or otherwise transfer your personal information within the Xpay.Life. LIn this section, we set out the purposes for which we use personal information that we collect and hold and, in compliance with our obligations under European law, identify the “legal grounds” on which we rely to process the information.

These “legal grounds” are set out in European data protection law, which allows companies to process personal data only when the processing is permitted by the specific “legal grounds” set out in the law Please note that, in addition to the disclosures we have identified below, we may disclose personal information for the purposes we explain in this notice to service providers, contractors, agents, advisors (e.g. legal, financial, business or other advisors) that perform activities on our behalf.

Transmission, storage and security of your personal information

Recipients

In order to fulfil your requests, we may need to share or otherwise transfer your personal information within the Xpay.Life such as to the Sales, Communication or Marketing teams based in your country or relevant for your industry sector. Where appropriate we may also transfer your personal information to third parties, for example external event organizers or partner companies who may be in a better position to satisfy your request.

We may also share your personal information with our service providers who perform services on our behalf, for the purposes described in this Privacy Policy. We contractually require these service providers to use or disclose the personal information only as necessary to perform services on our behalf.

Security over the internet

No data transmission over the Internet can be guaranteed to be secure from intrusion. However, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your personal information in accordance with data protection legislative requirements.

All information you provide to us is stored on our or our subcontractors’ secure servers and accessed and used subject to our security policies and standards. Where we have given you (or where you have chosen) a password which enables you to access certain parts of Xpay.Life, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone.

Export outside the EEA

Your personal information may be accessed by staff or suppliers in, transferred to, and/or stored at, a destination outside the country in which you are located, whose data protection laws may be of a lower standard than those in your country. We will, in all circumstances, safeguard personal information as set out in this Privacy Policy.

Where we transfer personal information from inside the European Economic Area (the EEA) to outside the EEA, we may be required to take specific additional measures to safeguard the relevant personal information. Certain countries outside the EEA have been approved by the European Commission as providing essentially equivalent protections to EEA data protection laws and therefore no additional safeguards are required to export personal information to these jurisdictions. In countries which have not had these approvals, we will establish legal grounds justifying such transfer, such as EU Commission-approved model contractual clauses, or other legal grounds permitted by applicable legal requirements.

Please contact us if you would like to see a copy of the specific safeguards applied to the export of your personal information.

Data retention

Our retention periods for personal data are based on business needs and legal requirements. We retain personal data for as long as is necessary for the processing purpose(s) for which the information was collected, and any other permissible, related purpose. For example, we may retain the information you provided to us as long as necessary to provide you with the services you requested through Xpay.Life and until the time limit for claims which may arise from those services has expired, or to comply with regulatory requirements regarding the retention of such data. So if we use your personal information for more than one purpose we will retain it until the purpose with the latest period expires; but we will stop using it for the purpose(s) with a shorter period once that period expires.

When personal data is no longer needed, we either irreversibly anonymise the data (and we may further retain and use the anonymised information) or securely destroy the data.

Marketing

You have the right to ask us not to process your personal information for marketing purposes. We will inform you if we intend to use your information for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by not checking certain boxes in the forms we use to collect your personal information. You can also exercise the right at any time by contacting us as set out in the “Contact Us” section below.

Updating information

We will use reasonable endeavours to ensure that your personal information is accurate. In order to assist us with this, you should notify us of any changes to the personal information that you have provided to us by contacting us as set out in the “Contact Us” section below.

Your rights

If you have any questions in relation to our use of your personal information, you should first contact our Data Protection Officers. Under certain conditions, you may have the right to require us to

Please be aware that certain exceptions apply to the exercise of these rights and so you will not be able to exercise them in all situations. In addition, these will vary slightly between EU Member States. For instance, in France, in addition to the rights listed above, you also have the right to define directives as to how you wish your personal data to be used after your death. If you wish to exercise any of these rights we will check your entitlement and respond within the applicable timescale.

If you are not satisfied with our use of your personal information or our response to any exercise of these rights, you have the right to complain to the Supervisory Authority of your usual place of residence or place where the alleged breach to the law occurred.

Links to Other Sites

Our site links to other websites that may collect personally identifiable information about you. Xpay.Life is not responsible for the privacy practices or the content of those linked websites.

Cookies policy

A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Xpay.Life uses cookie and tracking technology depending on the features offered. No personal information will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Changes to our Privacy Policy and/or Cookies Policy

We may change the content of our Xpay.Life and how we use cookies and consequently our Privacy Policy and our Cookie Policy may change from time to time in the future. If we change this Privacy Policy or our Cookies Policy, we will update the date it was last changed below. If these changes are material, we will indicate this clearly on our site.

Use Justifications

Use of personal information under EU data protection laws must be justified under one of a number of legal “grounds” and we are required to set out the grounds in respect of each use in this policy. We note the grounds we use to justify each use of your information next to the use in the “Uses of your personal information” section of this policy.

These are the principal legal grounds that justify our use of your information:

Consent

where you have consented to our use of your information (you will have been presented with a consent form in relation to any such use and may withdraw your consent by using the “unsubscribe” option in the email you have received or by using the Contact Us form).

Contract performance: where your information is necessary to enter into or perform our contract with you.

Legal obligation: where we need to use your information to comply with our legal obligations.

Legitimate interests: where we use your information to achieve a legitimate interest and our reasons for using it outweigh any prejudice to your data protection rights.

Legal claims: where your information is necessary for us to defend, prosecute or make a claim against you, us or a third party.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at XPay Life, 8th Floor, B.M.T.C / T.T.M.C Building, 6th Block, Koramangala, Bangalore-560095, India

Call to us : +91-88843 56000

Write to us : [email protected]

Policy last updated on 08 Apr 2020.

Sl No	Subdivision	Subdivision Code
1	ADITYAPUR-I	37	Select
2	ADITYAPUR-II	38	Select
3	AMRAPADA	79	Select
4	ASHOK NAGAR	11	Select
5	Barharwa	76	Select
6	Barhet	112	Select
7	Barhi	53	Select
8	BARWADDA	93	Select
9	BARWAHDIH	29	Select
10	BASUKINATH	72	Select
11	Bermo(Fusro)	106	Select
12	Bhurkunda	60	Select
13	BUNDU	3	Select
14	CHAIBASA(R)	44	Select
15	CHAIBASA(U)	43	Select
16	CHAKRADHARPUR	49	Select
17	CHAKULIA-1	41	Select
18	Chandankiyari	103	Select
19	CHANDIL	48	Select
20	CHAS (R)	102	Select
21	CHAS (U)	101	Select
22	CHATRA(N)	55	Select
23	CHATRA(S)	56	Select
24	CHHATTARPUR	26	Select
25	CHHOTAGOVINDPUR	36	Select
26	Chirkunda	91	Select
27	Chouparan	54	Select
28	DALBHUMGARH	40	Select
29	DALTONGANJ (RURAL)	113	Select
30	DALTONGANJ (URBAN)	25	Select
31	DEOGHAR	80	Select
32	Diguadih	97	Select
33	DOMCHANCH	69	Select
34	DORANDA	12	Select
35	DUMARI	63	Select
36	DUMKA(R)	74	Select
37	DUMKA(U)	73	Select
38	GARHWA-I	30	Select
39	GARHWA-II	31	Select
40	GHAGHRA	109	Select
41	GHATSHILA	39	Select
42	GIRIDIH(R)	62	Select
43	GIRIDIH(U)	61	Select
44	GODDA	84	Select
45	GOLA	58	Select
46	GOMIA(KATHARA)	40	Select
47	GOMOH	104	Select
48	GOVINDPUR	92	Select
49	GUMLA	20	Select
50	HARMU	10	Select
51	HAZARIBAGH(R)	52	Select
52	HAZARIBAGH(U)	51	Select
53	HEC DHURWA	13	Select
54	HIRAPUR	86	Select
55	JADUGODA	42	Select
56	JAINAMORE	107	Select
57	Jamtara	70	Select
58	Jamua	65	Select
59	JAPLA	27	Select
60	JASIDIH	83	Select
61	Jharia	94	Select
62	JHUMRITILIYA	68	Select
63	JUGSALAI	35	Select
64	KAMDARA	108	Select
65	KANKE	8	Select
66	Karandih	110	Select
67	KARKEND	88	Select
68	Kathara	114	Select
69	KATRAS	100	Select
70	KHUNTI	18	Select
71	KODERMA	67	Select
72	KOKAR	5	Select
73	KOLEBIRA	22	Select
74	Kujju	59	Select
75	KURU	24	Select
76	LALPUR	4	Select
77	LATEHAR	28	Select
78	LOHARDAGA	23	Select
79	Loyabad (Ganeshpur)	99	Select
80	MADHUPUR	82	Select
81	MAHAGAMA	85	Select
82	MAIN ROAD	9	Select
83	MANDER	16	Select
84	MANGO	34	Select
85	Mango-II	125	Select
86	MANOHARPUR	50	Select
87	MIHIJAM	71	Select
88	Mukunda	96	Select
89	NAGAR UTARI	32	Select
90	NAYA BAZAAR	87	Select
91	NIRSA 1	89	Select
92	NIRSA 2	90	Select
93	NOWAMUNDI	45	Select
94	ORMANJHI	2	Select
95	PAKUR	78	Select
96	RAJDHANWAR	66	Select
97	Rajkharshawan	47	Select
98	RAJMAHAL	77	Select
99	RAMGARH	57	Select
100	RATU CHATTI	15	Select
101	RATU ROAD	17	Select
102	RMCH	6	Select
103	SAHIBGANJ	75	Select
104	SARAIKELA	46	Select
105	SARATH	81	Select
106	SIMDEGA	21	Select
107	Sindri	98	Select
108	TATISILWAI	1	Select
109	Tisri	64	Select
110	Topchanchi	111	Select
111	TORPA	19	Select
112	Tundi	94	Select
113	TUPUDANA	14	Select
114	UPPER BAZAR	7	Select

$10 Amount	8 Talktime	7 Days Validity	Talktime $8 & 2 Local & National SMS & Free SMS valid for 2 day(s)
$15 Amount	13 Talktime	15 Days Validity	Regular Talktime
$50 Amount	47 Talktime	28 Days Validity	47 Local Vodafone min free
$100 Amount	92 Talktime	28 Days Validity	Local min 92 & 10 Local & National SMS & Free SMS valid for 7 day(s).
$150 Amount	143 Talktime	60 Days Validity	Talktime $143 & 50 Local & National SMS & Free SMS valid for 15 day(s).
$220 Amount	220 Talktime	28 Days Validity	Full Talktime
$250 Amount	250 Talktime	28 Days Validity	Full Talktime + 50 SMS per day for 7 days.
$300 Amount	301 Talktime	64 Days Validity	Full Talktime
$410 Amount	0 Talktime	28 Days Validity	Unlimited Local,STD & Roaming calls
$501 Amount	510 Talktime	180 Days Validity	Full Talktime + 100 SMS per day for 28 days.
$799 Amount	820 Talktime	250 Days Validity	Full Talktime + 100 SMS per day for 84 days.
$999 Amount	1099 Talktime	356 Days Validity	Full Talktime + 100 SMS per day for 90 days.

Consumer Number :
Category :
Biller Name :
Biller Period :
Amount :
Discount :
Total Amount :