Talktechpay – Secure & Fast Payment Gateway for Businesses

Welcome to our website, Talktechpay ("we," "us," or "our") owned and operated by TALKTECH LABS PRIVATE LIMITED. We offer overall payment facilitator and gateway services, including several subsidiaries registered under Talktechpay. References to Talktechpay in this policy encompass these subsidiaries, unless stated otherwise. Any future additions to our subsidiary network will also follow the guidelines outlined here.

Protecting your information and respecting your privacy is our top priority. This policy details our practices regarding the collection and use of information on our websites https://talktechpay.com and when using Talktechpay's payment services as a customer or merchant.

We are dedicated to maintaining the confidentiality and security of your information. When using our website, including registration forms, inquiry forms, product transaction forms, mobile applications, and API services, we collect and use your information strictly as described in this policy.

By using any of Talktechpay's services, technologies, features, websites, or applications, you agree to comply with the terms of this policy.

Our Services

Talktechpay offers businesses secure online and mobile payment processing solutions everywhere. As you use our services, Talktechpay may collect your personal information.

Data Collection

We may collect or you may provide the following types of personal information:

Personal details (name, phone number, email address, and physical address),
Organizational contact information (organization name, department, and size),
Username and password,
Payment account information,
User-generated content (social media posts, comments, ratings),
Unique mobile and device identifiers.
Location data.
Identity and organizational documents.
Browser type, operating system, and IP address.
Additional information (timestamps, device details, browsing behavior, language preferences, age, gender, etc.).

Some interactions with advertisements, mobile apps, sales pages, websites, and other digital platforms may result in the automatic collection of personal information via cookies. Personal information may also be disclosed during customer interactions with merchants.

Data Authentication

By using our services, you confirm that the information and personal data you provide are accurate, truthful, and complete. You are responsible for any inaccuracies or errors in the information you submit. You can review and correct the information provided during your use of our services.

Usage of Data Collected

We use the collected data for various purposes:

Processing transactions, including authorization, clearing, billing, tax calculation, currency conversion, shipping, delivery, handling chargebacks and refunds, customer service, and dispute resolution.
Providing services such as invoice creation, transaction confirmation notices, license and access key delivery, product download files and documentation, subscription accounts, real-time transaction notifications, refunds and refund notifications, warranty and dispute records, customer profiles, and tax payments.
Verifying applicants to use Talktechpay services; conducting KYC and account underwriting reviews; managing risk exposure; preventing and detecting fraudulent transactions; and verifying credit.
Conducting activities related to business analysis, product development, service improvement, marketing, billing, invoicing, and account reconciliation.
Enforcing and defending legal and contractual rights and claims; establishing reserves, sureties, and guarantees; complying with laws, regulations, and legal obligations; and responding to subpoenas and orders from governmental and judicial authorities.
Performing business intelligence, performance reporting, data analysis, and creating aggregated data reports based on anonymized information for the benefit of Talktechpay, merchants, processing partners, regulators, and customers.
Complying with company policies, credit card industry guidelines, and payment plan specifications.
Providing personalized content, data, and advertising, along with access to Talktechpay services such as support, chargeback management, and the Merchant or Shopper Control panel.
Storing customer payment details for future or recurring transactions.
Continuously monitoring product sales.
Providing access to information for authorities, card associations, investors, and consultants.

Data Storage

Talktechpay uses administrative, technological, and physical safeguards to prevent the unintentional, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or misuse of personal information. We follow established standards to protect submitted personal information during transmission and after reception. Payment information security complies with PCI-DSS Level 1 requirements, the industry's most widely recognized security certification. However, no method of electronic data storage or transmission via the Internet is entirely secure, and we cannot guarantee complete security. If you have privacy or security concerns, or if you suspect your data's security has been compromised, please contact us immediately via email at (official mail).

If you use Talktechpay's services, make purchases from or sell to individuals or businesses outside your country, or engage in other business transactions with Talktechpay, your personal information may be transferred internationally. By using these services, you acknowledge and agree that your data may be subject to such cross-border transfers.

Data Retention

Talktechpay retains personal information for as long as necessary to fulfill the purposes for which it was collected and as required by law. Data is permanently altered, removed, or destroyed when mandated by law or deemed necessary for the purposes for which it was obtained. Certain transaction-related information, such as billing and invoice details, may be retained for extended periods to process refund and chargeback requests in accordance with tax and accounting standards.

Data Sharing

Talktechpay may share personal information with service providers to perform services on our behalf. These service providers are contractually obligated to use and disclose your information only as necessary to fulfill service requests or as required by law. Your explicit consent may also be obtained before sharing personal information with other parties.

During transactions, third parties may receive personal data involved in financial transactions. Talktechpay takes precautions to ensure compliance with applicable data laws and requires additional data processors to adhere to contractual obligations for compliance.

Certain merchants may utilize checkout systems integrated with Talktechpay, and personal data may be obtained directly or through these merchants. While Talktechpay handles such data in compliance with our privacy statement, we advise reviewing the policies of other organizations.

To enhance website functionality, Talktechpay may utilize third-party service providers. Personal information is shared with these parties only as necessary to provide requested services, and service providers are contractually obligated to comply with relevant data laws.

Merger / Sale / Transfer of Corporate Assets

In the event of corporate changes, such as a merger or sale, Talktechpay may transfer information without prior notice. Any privacy rights specified in this policy will continue after such transfers, and notice of ownership changes will be provided via email or prominently on our website.

Compliance with Legal Requests

Talktechpay may disclose personal information in response to valid requests from public authorities or to comply with legal requirements, regulations, court orders, or subpoenas. Disclosure may be necessary to protect rights, prevent harm, or investigate fraud.

Payment Information

Personal payment information is collected and transmitted securely to facilitate payments. Talktechpay and relevant parties may encrypt and securely store payment data in compliance with PCI regulations. With customer permission, this data may be used for one-time or recurring transactions, and transaction details may be reported to taxing authorities.

Minors

Talktechpay does not knowingly collect personal information from children under 18. Services and content are restricted to registered users over 18, and accounts found to belong to minors will be canceled. Online payment forms are not intended for use by individuals under 18.

Please note that this policy may be updated periodically, and users will be notified of any significant changes.

External Links

On Talktechpay, links to external websites are provided. It's essential to exercise caution when navigating to these sites. After clicking, take the time to thoroughly review their privacy policies. Differences in standards may exist, so ensuring alignment with your preferences and standards is crucial for privacy protection.

Updates to Privacy Policy

We reserve the right to update this policy as needed. To stay informed about changes in our information collection and usage policies, please check this page regularly. We'll publish a dated copy of any updates here. Registered merchants with Talktechpay will receive email notifications about major changes. In case of significant modifications, we'll notify you in advance via email (sent to the associated account email address) or through a notice on this website.

Contact Us

If you have any questions or concerns about data protection and privacy, please don't hesitate to contact us at talktechlabspvtltd@gmail.com. We're here to assist you.