Privacy Policy

At PayAssist ("we", "our", "us"), accessible from payassist.in, protecting the privacy of our customers and visitors is one of our top priorities. This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your personal data when you use our extended warranty and damage protection services.

1. Information We Collect

When you purchase a protection plan, register a product, or file a claim with us, we may collect the following information:

• Personal details — your name, email address, mobile number, and postal address.
• Product details — brand, model, serial/IMEI number, invoice, and date of purchase of the product you wish to protect.
• Claim details — description of the issue, photographs or documents you submit in support of a claim.
• Payment details — transaction references for plan purchases. We do not store your card numbers or banking credentials; payments are processed by secure third-party payment providers.
• Technical data — IP address, browser type, and pages visited on our website, collected through standard analytics tools and cookies.

2. How We Use Your Information

• To issue, activate, and manage your protection plans.
• To verify, process, and settle claims quickly and fairly.
• To communicate with you about your plan, claims, renewals, and service updates.
• To improve our website, products, and customer experience.
• To comply with legal, regulatory, and audit requirements.

3. Sharing of Information

We do not sell or rent your personal information to anyone. We may share your data only with:

• Service partners — authorised repair centres, technicians, and logistics partners, strictly to fulfil your plan or claim.
• Payment providers — to process plan payments securely.
• Legal authorities — when required by law, court order, or government request.

4. Data Security

We use industry-standard technical and organisational safeguards — including encryption in transit, access controls, and secure infrastructure — to protect your information against unauthorised access, alteration, disclosure, or destruction. While no method of transmission over the internet is 100% secure, we continuously work to protect your data.

5. Cookies

Our website uses cookies and similar technologies to remember your preferences and understand how visitors use our site. You can disable cookies through your browser settings; some parts of the website may not function properly without them.

6. Data Retention

We retain your personal information only for as long as necessary to provide our services, resolve claims, and meet legal or regulatory obligations. When data is no longer required, it is securely deleted or anonymised.

7. Your Rights

You may request access to, correction of, or deletion of your personal information at any time by writing to us at support@payassist.in. We will respond to your request within a reasonable timeframe, subject to applicable law.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites, and we encourage you to review their privacy policies.

9. Children's Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last updated" date. Continued use of our services after changes are posted constitutes acceptance of the updated policy.