Privacy Policy

1. Introduction

PayMYannuity.com is operated by IPAnnuity Private Limited ("we", "us", "our"), a company registered in India. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.paymyannuity.com and use our patent annuity management services.

By using our platform, you consent to the data practices described in this policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We collect information you provide directly to us, including:

• ▸Identity data: Full name, organisation name, designation.
• ▸Contact data: Email address, phone number, mailing address.
• ▸Patent data: Patent numbers, patent office jurisdiction, renewal year, fee amounts.
• ▸Financial data: Payment transaction references (we do not store card numbers — all payments are processed via Razorpay's PCI-DSS compliant gateway).
• ▸Technical data: IP address, browser type, device information, pages visited, and session duration collected via cookies and analytics tools.

3. How We Use Your Information

We use your personal data to:

• ✓ Process patent annuity payments and issue official receipts.
• ✓ Send automated payment reminders and deadline alerts.
• ✓ Respond to enquiries, support requests, and empanelment applications.
• ✓ Comply with applicable Indian laws and regulatory obligations.
• ✓ Improve our platform, services, and user experience through anonymised analytics.
• ✓ Send marketing communications where you have given explicit consent.

4. Data Sharing & Third Parties

We do not sell your personal data. We may share it with:

• ▸Payment processors: Razorpay Software Private Limited, solely for transaction processing.
• ▸Empanelled service providers: Third-party IP professionals appointed to deliver the actual patent renewal filing services on your behalf.
• ▸Legal authorities: When required by law, court order, or government regulation.

5. Cookies

We use essential cookies to operate our website and analytical cookies (e.g., Google Analytics) to understand usage patterns. You may disable non-essential cookies through your browser settings. Essential cookies cannot be disabled as they are required for core site functionality including the payment gateway.

6. Data Retention & Security

We retain your personal data for as long as necessary to provide services and comply with legal obligations (typically 7 years for financial records under Indian law). All data is stored on secured servers with 256-bit SSL encryption, access controls, and regular security audits.

7. Your Rights

Under India's Digital Personal Data Protection Act, 2023, you have the right to:

• ✓ Access your personal data held by us.
• ✓ Correct inaccurate or incomplete data.
• ✓ Withdraw consent for marketing communications at any time.
• ✓ Lodge a complaint with the Data Protection Board of India.

To exercise these rights, email us at info@paymyannuity.com.

Questions about this Privacy Policy? Contact our Data Protection Officer.