PickMyPay

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Privacy Policy

PRIVACY POLICY

Effective Date: 9 September 2026

PickMyPay is operated by Parenthesys Technologies, Marol, Mumbai, Maharashtra, India – 400059 (“Parenthesys Technologies”, “PickMyPay”, “we”, “our”, or “us”).

We respect your privacy and are committed to handling personal information responsibly. This Privacy Policy explains the types of information we may collect or process when you use the PickMyPay mobile application, website and related services, why we use that information, when information may be shared with service providers or other third parties, and the choices available to you.

  1. INFORMATION WE COLLECT

Depending on the features you use, PickMyPay may collect or process the following categories of information.

Account Information

When you create or use a PickMyPay account, we may process information such as:

  • Mobile phone number
  • Authentication and account identifiers
  • Profile information you choose to provide
  • Account preferences and settings

We use this information to authenticate users, maintain accounts and provide PickMyPay functionality.

Payment-Method Information

PickMyPay allows you to manage information about payment methods for the purpose of providing payment-related assistance and offer matching.

Depending on the feature being used, this may include limited information such as:

  • Card issuer or bank
  • Card network
  • Card type
  • Card name or variant
  • Limited or masked card-related information where applicable
  • Gift-card information you choose to add

PickMyPay is designed to minimize collection of sensitive payment credentials.

Do not provide PickMyPay with your CVV/CVC, card PIN, UPI PIN, banking password, OTP, or other payment authentication credentials unless a specific secure payment-provider flow explicitly requires information directly within that provider’s authorized interface.

PickMyPay does not intentionally store your full payment-card number as part of its normal card-management functionality.

Location Information

With your permission, PickMyPay may use your device location while you are using the app to:

  • Identify nearby stores or merchants
  • Determine where you may be shopping
  • Match relevant offers
  • Improve location-based recommendations

PickMyPay does not require background location access for its normal location-based functionality.

Location permission can be changed through your device settings.

Offer, Merchant and Interaction Information

We may process information concerning:

  • Offers displayed or selected
  • Merchants and stores
  • Offer preferences
  • Saved or favourite offers
  • Affiliate-link interactions
  • Other interactions required to provide and improve PickMyPay functionality

Device and Technical Information

PickMyPay and service providers used to operate the app may process limited technical information, including, depending on the service:

  • Device or installation identifiers
  • App and operating-system information
  • Authentication and security information
  • Push-notification identifiers
  • Diagnostic, crash or performance information
  • Product-interaction information
  • Network and security-related information

Such information may be used for app functionality, authentication, fraud prevention, security, diagnostics and service reliability.

  1. HOW WE USE INFORMATION

We may use information to:

  • Create, authenticate and maintain your account
  • Provide PickMyPay features
  • Manage your saved payment-method information
  • Detect nearby merchants when you permit location access
  • Match and display relevant offers
  • Provide payment-method and offer-related assistance
  • Generate external affiliate links when you choose to open eligible offers
  • Deliver notifications you have enabled
  • Prevent fraud, abuse and unauthorized access
  • Protect PickMyPay and its users
  • Diagnose technical problems and improve reliability
  • Respond to support, privacy and account-deletion requests
  • Meet applicable legal, accounting, regulatory and dispute-resolution obligations
  1. PAYMENT RECOMMENDATIONS AND FINANCIAL INFORMATION

PickMyPay is a payment-assistance and offer-discovery service. Recommendations, savings estimates, rewards information and offer information are intended to help users compare available payment options.

PickMyPay is not a bank, card issuer or payment network, and information displayed by PickMyPay should not be treated as financial, investment or legal advice.

Actual eligibility, rewards, discounts, charges and other terms are determined by the relevant bank, issuer, merchant, payment provider, network or offer provider.

  1. LOCATION PRIVACY

Location access is used only when necessary for location-based PickMyPay features and subject to your device permissions.

PickMyPay may use third-party location or places services to identify nearby merchants. Information necessary to perform a location/merchant search may therefore be processed by the relevant service provider.

You can deny or withdraw location permission through your device settings. Some location-based functionality may then become unavailable.

  1. AFFILIATE LINKS AND EXTERNAL OFFERS

PickMyPay may display offers or links provided through affiliate partners.

When you choose to open certain affiliate offers, PickMyPay may generate a trackable external link through an affiliate provider.

For such link generation, PickMyPay may provide limited offer and attribution information such as:

  • A randomly generated per-click identifier
  • Placement information
  • PickMyPay offer identifier
  • Platform type, such as Android or iOS
  • Merchant URL
  • Relevant campaign context

As part of PickMyPay’s current server-side affiliate-link generation, PickMyPay does not intentionally provide your PickMyPay user identifier, phone number, email address, advertising identifier, precise location, card credentials or payment credentials to the affiliate provider.

When you choose to open an external affiliate link, you leave the PickMyPay-controlled environment. The merchant, affiliate network, browser, website or other third party may independently process information such as browser/network information, cookies or other identifiers according to its own privacy practices.

External websites and services are governed by their respective privacy policies and terms.

PickMyPay may receive a commission or other benefit from qualifying affiliate activity without increasing the price you pay solely because you accessed the offer through PickMyPay, unless otherwise disclosed.

  1. SERVICE PROVIDERS AND THIRD PARTIES

PickMyPay uses third-party technology and service providers to operate certain functionality. Depending on the features you use, these may include services supporting:

  • Authentication
  • Cloud database and storage
  • Backend functions
  • Push notifications
  • Application security and integrity
  • Merchant/location discovery
  • Affiliate offers and links
  • Brand or merchant information
  • Payment functionality where enabled
  • Device-level functionality and diagnostics

These providers may process information necessary to provide their respective services and may have their own privacy terms.

PickMyPay currently uses services and technologies including Firebase/Google services for application infrastructure and security and Cuelinks for certain affiliate-link functionality. Other service providers may be used where required for specific PickMyPay features.

Payment functionality involving a payment provider may be subject to that provider’s own terms and privacy practices.

  1. SECURITY AND SENSITIVE INFORMATION

We use technical and organizational measures intended to protect information handled through PickMyPay.

No method of electronic storage or transmission can be guaranteed to be completely secure.

You should never send PickMyPay, including through support or account-deletion requests:

  • CVV/CVC
  • Card PIN
  • UPI PIN
  • Banking password
  • OTP
  • Full payment authentication credentials
  1. DATA RETENTION

We retain information only for as long as reasonably necessary for the purposes for which it is processed and for applicable operational, security, legal, accounting, contractual, fraud-prevention and dispute-resolution requirements.

When an account is deleted, account-associated information is removed from active systems in accordance with PickMyPay’s deletion process, subject to information that must or reasonably needs to be retained for legitimate legal or operational purposes.

Certain transaction, payment-order, financial, fraud-prevention, dispute-resolution, accounting or legally required records may be retained after account deletion only for as long as reasonably necessary to satisfy applicable legal, regulatory, contractual, accounting, fraud-prevention or dispute-resolution obligations.

Such retained information will not be used for unrelated purposes and should be deleted or de-identified when the applicable retention need expires, where legally and technically appropriate.

Limited information may also remain temporarily in backups, security records or system logs where technically necessary and will be handled according to applicable retention and security processes.

  1. ACCOUNT AND DATA DELETION

You can request deletion of your PickMyPay account.

Where available, account deletion can be initiated directly from the PickMyPay application through:

Settings → Delete Account

If you cannot access the application, you may submit an off-app deletion request using the contact information provided below.

We may require appropriate verification of account ownership before processing an off-app deletion request.

Never provide your full card number, CVV/CVC, card PIN, UPI PIN, banking password or OTP to verify an account-deletion request.

For detailed deletion instructions, please see the PickMyPay Account Deletion page on our website.

  1. YOUR CHOICES

Depending on applicable law and the nature of your request, you may contact us regarding:

  • Information about how your personal information is handled
  • Correction of relevant account information
  • Account and data deletion
  • Privacy-related questions or complaints
  • Withdrawal of permissions or consent where applicable

Device permissions such as location and notifications can also be controlled through your device settings.

  1. CHILDREN’S PRIVACY AND ELIGIBILITY

PickMyPay is intended for users who are 18 years of age or older and legally capable of using the service.

PickMyPay is not intended for children.

If we become aware that an account has been created contrary to applicable eligibility requirements, we may take appropriate steps concerning the account and associated information.

  1. EXTERNAL WEBSITES

PickMyPay may direct you to merchant websites, offer providers, affiliate links or other external services.

PickMyPay does not control the privacy practices, security or content of independent third-party websites and services. Please review their respective policies before providing information to them.

  1. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy when our services, technologies, legal requirements or data practices change.

When material changes are made, we may update the effective date and provide additional notice where appropriate or required.

We encourage you to review this page periodically.

  1. CONTACT US

For privacy questions, grievances or account/data-deletion requests, contact:

Parenthesys Technologies
Operator of PickMyPay
Marol, Mumbai, Maharashtra, India – 400059

Privacy & Grievance Contact: Parenthesys Technologies
Email: privacy@pickmypay.in

For general customer support:

Email: support@pickmypay.in