You ("you" or "End User" or "your" or "Buyer" or "Customer") are required to read and accept all of the terms and conditions as laid down in this document (the "Privacy Policy"), before you may use www.payalsinghal.com (hereinafter referred to as "Site" or "we" or "our").

If you are a Persons who is "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc., we require that, before using and/or placing an order on this Site, you inform your legal guardian or parents about our Privacy Policy and require their consent by way of their registration as Users of this Site.

The privacy practices of this statement apply to our services available under the domain and sub domains of the Site. By visiting this Site you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access our Site. This Privacy Policy does not apply to Sites maintained by other companies or organizations to which we link and we are not responsible for any personal information you submit to third parties via our website. Please ensure that you read the Privacy Policy of such other companies or organizations before submitting your details.

This Privacy Policy describes the information, as part of the normal operation of our services; we collect from you and what may happen to that information. This policy is inter alia formulated and displayed to inform you about our information collection/retention policies and practices so that you can make an informed decision in relation to the sharing of your personal information with us. By accepting the Privacy Policy and the Terms & Conditions in registration and/or the use of the Site in general, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the Terms & Conditions. This Privacy Policy is effective upon acceptance in registration and/or by access by you to the Site.

Privacy Guarantee
We agree that we will not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. From time to time we may reveal general statistical information about our Site and visitors, such as number of visitors, number and type of goods and services purchased, etc. Only those of our employees who need access to your information in order to perform their duties are allowed such access. Any employee who violates our privacy and/or security policies is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.

Collection of Information
When you use our Site, we collect and store your personal information from you. Our primary goal in doing so is for the purposes of provisioning our services.

In general, you can browse the Site without revealing any personal information about yourself. To fully use our Site, you will need to register using our online registration form, where you may be required to provide us with your name, date of birth, contact number, email address, user id, password, residence / place of business information, billing information, shipping information, bank account details and other personal information as indicated on the forms throughout the Site. You always have the option to not provide information by choosing not to use a particular service or feature on the Site.

We may automatically track certain information about you based upon your activities on our site. We use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect and serve our users. This information is compiled and analyzed on an aggregated basis. This information may include the URL that you just came from (whether this URL is on our site or not), which URL you next go to (whether this URL is on our site or not), your computer browser information, and your IP address.

We use data collection devices such as "cookies" on certain pages of the Site to help analyze our web page flow and measure promotional effectiveness. A cookie is a piece of information that is stored on your computer's hard drive by your web browser which tracks your movements within websites. Our site uses cookies to keep track of how often you visit our site, the contents of your shopping cart, previous purchases and to deliver content specific to your interests. Most browsers are automatically set to accept cookies but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may still use most of the features of our website, including the ability to purchase items.

We do not store any of your credit/debit card information including expiration date, billing address associated with your credit/debit card. We do not store any of your banking information should you chose to pay via netbanking or any other payment options that we offer through our payment gateways. For online transaction within India, we use Razorpay as our payment gateway. Razorpay uses the latest SSL technology to provide utmost safety to your online transactions. For online transactions outside of India, we use Razorpay and Paypal Inc. as our payment gateway. Both, Razorpay and Paypal Inc. use the latest SSL technology to provide utmost safety to your online transactions. You can use any method of payment that Razorpay and Paypal Inc offer to securely conduct your online transactions and purchase from Payal Singhal.

If you decide to use online payment services for the purchase of items, we may collect some additional information, such as a billing address, and mailing address as well as a phone number to deliver the orders to you.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback for other users, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Site, we may collect such information into a file specific to you.

Use of Your Information
We use your personal information to facilitate the services you request. We use your personal information in the file we maintain about you, and other information we obtain from your current and past activities on the Site to: resolve disputes; troubleshoot problems; help promote safe transactions; collect payments owed; measure consumer interest in the services provided by us, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our Terms & Conditions; and as otherwise described to you at the time of collection. At times, we may look across multiple users to identify problems or resolve disputes, and in particular we may examine your personal information to identify users using multiple User IDs or aliases. We may compare and review your personal information for errors, omissions and for accuracy.

You agree that we may use personal information about you to improve our marketing and promotional efforts, to analyze site usage, improve the Site's content and product offerings, and customize the Site's content, layout, and services. These uses improve the Site and better tailor it to meet your needs, so as to provide you with a smooth, efficient, safe and customized experience while using the Site.

Further in an effort to make our Site as effective and enjoyable as possible, the computers that operate it collect certain information each time you visit. We store these statistics in server logs. These statistics may not identify you personally, but provide us information regarding the type of user who is accessing our Site and certain browsing activities of that user. This data may include: the IP address of the user accessing our Website (i.e. the unique I.D. number of the user's computer), the type of browser (Internet Explorer, Firefox, Chrome etc.) and the operating system (Windows, Mac OS, etc.), the site the user last visited before linking to our Site, how long the user accessed our Site in any given session, and the date and time of access. We may make extensive use of this data at an aggregated level in order to understand how our Site is being used. We may share some of the aggregate findings (not the specific data) with advertisers, sponsors, investors, strategic partners, and others in order to help grow our business.

You agree that we may use your personal information to contact you and deliver information to you that, in some cases, are targeted to your interests, such as targeted banner advertisements, administrative notices, product offerings, and communications relevant to your use of the Site. By accepting the Terms & Conditions and Privacy Policy, you expressly agree to receive this information. If you do not wish to receive these communications, we encourage you to opt out of the receipt of certain communications in your profile. You may make changes to your profile at any time.

Disclosure of Your Information
We may also use your information to deliver information to you that, in some cases, are targeted to your interests, such as new services and promotions. We may use various outside agencies (third party service providers) to make our Site operate. For example, we may use third parties to host our Site, operate various features made available on our Site, send emails, analyze data, provide search results and links, and assist in fulfilling your orders. Some of these third parties may need access to your information in order to make the services provided through our Site. Information will only be disclosed to these service providers on a need-to-know basis, and they will only be permitted to use such information for the purpose of providing the particular services provided by such entities in connection with our Site.

We cooperate with law enforcement and regulatory inquiries, as well as other third parties to enforce laws, such as: intellectual property rights, fraud and other rights, to help protect you and other Users. Therefore, in response to a verified request by law enforcement or other government officials relating to a criminal investigation or alleged illegal activity, we can (and you authorize us to) disclose your name, city, state, telephone number, email address, User ID history, fraud complaints, and purchasing history without notice. Without limiting the above, in an effort to respect your privacy, we will not otherwise disclose your personal information to law enforcement or other government officials without a subpoena, court order or substantially similar legal procedure, except when we believe in good faith that the disclosure of information is necessary to prevent imminent physical harm or financial loss; or report suspected illegal activity. Further, we can (and you authorize us to) disclose your name, street address, city, state, zip code, country, phone number, email, and company name to Intellectual Property rights owners under confidentiality agreement, as we in our sole discretion believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity.

Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personal information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private.

Security
When you place orders or access your account information, we offer the use of a secure server. The secure server software (SSL) encrypts all information you put in before it is sent to us. Furthermore, all of the customer data we collect is protected against unauthorized access. To prevent unauthorized access, maintain data accuracy, and ensure correct use of information, we will employ reasonable security practices and procedures and current Internet security methods and technologies in compliance with Information Technology Act, 2000 and rules made there under.

Changes in policy
You acknowledge that this Privacy Policy is part of the Terms & Conditions and you unconditionally agree that using this Site signifies your assent to our Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Site. Your visit and any dispute over privacy is subject to this policy and the Terms & Conditions, including limitations on damages. We reserve the right to change the terms of use and this Privacy Policy, at any time. We will post any changes so that you are always aware of our policy. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your account.

Name and address of the entity collecting and retaining Your Information
Name and address of the entity collecting and retaining Your Information shall be the contracting entity stated in the Terms & Conditions.