Cookie Policy

This Cookie Policy explains how Paymorz uses cookies and similar tracking technologies on our platform.

Effective Date: 01.08.2025
Entity: QUANTUMCONA LLP (LLPIN: ACE-8779)
Registered Office: Survey No. 130P and 115/1P, We Work Rajapushpa, Nanakramguda Main Road, Medchal–Malkajgiri, Telangana – 500032, India
Trademark: Paymorz™ (registered trademark of QUANTUMCONA LLP)

1. Introduction

Paymorz™ ("we," "us," "our") is a registered trademark of Quantumcona LLP, a limited liability partnership incorporated under the laws of India (LLPIN: ACE-8779). This Cookie Policy ("Policy") explains how we use cookies, SDKs, pixels, and similar tracking technologies (collectively referred to as "Cookies") on our website, mobile app, and vendor management platform (together, the "Platform").

We use Cookies to ensure secure transactions, authenticate users, facilitate payments, prevent fraud, measure performance, and deliver a personalized experience for vendors, suppliers, service providers, and enterprise clients.

This Policy forms an integral part of the Paymorz™ Privacy Policy and Terms of Service. By continuing to use or access our Platform, you consent to the use of Cookies as described herein.

Paymorz™ complies with all applicable privacy and technology-use regulations, including:

  • Digital Personal Data Protection Act, 2023 (DPDP Act)
  • Information Technology Rules, 2011 (India)
  • RBI Payment Aggregator & Payment Gateway Guidelines (2020)

2. What Are Cookies and SDKs?

Cookies are small text files or code fragments placed on your device when you access a website or application. SDKs (Software Development Kits) are pieces of code integrated into mobile apps that perform similar tracking and analytical functions.

These technologies help us to:

  • Maintain secure login and user sessions;
  • Process and verify payments;
  • Detect suspicious activity and prevent fraud;
  • Remember user preferences such as region or interface settings;
  • Measure website performance and traffic analytics; and
  • Provide personalized content, recommendations, or advertisements (if enabled).

3. How We Use Cookies

We use Cookies and SDKs to serve different purposes. Each category is designed to support a specific function essential to the Paymorz™ ecosystem.

(a) Essential Cookies

These cookies are required for the Platform to function properly. They enable secure logins, session validation, and payment completion. Disabling them may break essential platform features.

Examples include:

  • Authentication and token management cookies;
  • Payment gateway session identifiers;
  • Security and anti-fraud cookies used by our payment partners.

(b) Performance & Analytics Cookies

These cookies help us understand how users interact with the Platform—such as which pages are visited most often, how users move through the site, or when they experience technical errors. We use this information to improve site performance, fix issues, and enhance user experience.

Tools used:

  • Google Analytics
  • Mixpanel
  • Supabase (for in-app activity tracking)
  • Sentry (Error logging, crash reporting, and performance diagnostics)

All analytical data is processed in aggregated, anonymized form.

(c) Security and Fraud Detection Cookies

These cookies monitor for unusual or unauthorized activity, such as repeated login attempts, unusual transaction behavior, or IP mismatches. They are automatically deployed and cannot be disabled.

Sentry — Monitoring of anomalies, error patterns, and malicious behavior indicators

Example: Risk and compliance monitoring through payment gateways like Razorpay and Cashfree.

(d) Marketing and Advertising Cookies

If enabled, these cookies help deliver personalized advertisements based on browsing behavior, recent activity, or campaign preferences. They may also help measure ad performance and limit repeat impressions.

Vendors may include:

  • Google Ads
  • Meta (Facebook & Instagram)
  • LinkedIn Ads (for B2B marketing)

You can opt out of these at any time through your cookie settings.

(e) Social Media Cookies

These cookies enable social sharing functionalities and integrations, allowing users to share profile pages, success stories, or project listings directly via platforms like LinkedIn, Facebook, or Twitter.

4. Types of Cookies We Use

Session Cookies

  • Description: Temporary cookies active only during your visit.
  • Retention: Deleted when the browser or app is closed.

Persistent Cookies

  • Description: Stored on your device for a defined period to remember preferences or settings.
  • Retention: Up to 12 months unless deleted earlier.

5. Third-Party Cookies and SDKs

We collaborate with trusted service providers for analytics, authentication, marketing, and payment processing. These partners may set cookies or SDKs according to their own privacy policies, which operate under equivalent data protection standards.

Examples include (but are not limited to):

  • Google Analytics / Google Ads – Analytics and advertising
  • Meta (Facebook, Instagram) – Advertising and performance measurement
  • Mixpanel – User engagement analysis
  • Supabase – Data management and analytics
  • Clerk – Authentication SDK
  • Razorpay – Payment processing and fraud detection
  • Any other equivalent or similar licensed vendors, known or unknown, currently or in future used to enhance Paymorz™'s services.
  • KYC and vendor verification tools (e.g., DigiLocker, PAN/Aadhaar verification APIs, GSTN lookups) – for validating vendor credentials and regulatory compliance.
  • Sentry – Crash analytics, performance monitoring, and anomaly detection (server + front-end)
  • Sandbox.co.in (Aadhaar/XML/PAN verification APIs) — used exclusively for identity and compliance verification under DPDP & IT Act requirements.

All vendors are contractually obligated to process data securely and in compliance with applicable law.

6. Analytics and Remarketing

We use tools like Google Analytics and Meta Pixel to understand visitor behavior and improve our platform. We also use remarketing technologies (Google Ads, Meta Ads) to display relevant platform updates, vendor features, or enterprise compliance tools based on your prior interactions.

You can opt out of analytics or ad personalization at any time by:

  • Installing the Google Analytics Opt-Out Add-on
  • Adjusting ad settings in your Google or Meta account preferences.

All remarketing campaigns adhere to user consent choices under DPDP Act and IT Rules.

7. How You Can Control Cookies

Upon your first visit to the Platform, a Cookie Consent Banner will appear, giving you the choice to:

  • Accept all cookies;
  • Reject non-essential cookies; or
  • Manage individual preferences.

You can modify these settings anytime through:

  • The "Cookie Preferences" section in your account settings; or
  • Your browser's cookie control panel.

Note: Disabling essential cookies may impact your ability to log in, make payments, or use certain features securely.

Our legal basis for processing cookie-related data depends on the cookie category:

  • Essential and Security Cookies: Legitimate interest (DPDP §7).
  • Functional and Analytics Cookies: User consent.
  • Marketing and Social Cookies: Explicit, informed user consent.
  • Compliance and Audit Cookies: Vendor onboarding, GST/PAN verification, invoicing workflows, and enterprise compliance documentation may require certain essential cookies to maintain integrity and audit trails.

9. Data Security and Retention

  • All cookie-related data is transmitted via HTTPS (TLS 1.3).
  • Session tokens and identifiers are encrypted using AES-256.
  • Logs are retained for the minimum period necessary (typically 12 months).
  • Vendor partners are required to maintain ISO 27001 or equivalent certifications in accordance with RBI and MCA vendor compliance norms for financial record retention.
  • Regular security audits and VAPT (Vulnerability Assessment and Penetration Testing) ensure compliance with RBI guidelines for payment data integrity.

10. Updates to This Policy

We may periodically update this Policy to reflect legal, operational, or technological changes. Significant updates will be communicated via email, pop-up notification, or website banner, with the "Last Updated" date revised accordingly.

We encourage you to review this Policy periodically to stay informed of how we use cookies and similar technologies.

11. Contact Information

If you have any questions, concerns, or requests regarding this Cookie Policy or our data practices, please contact:

Paymorz™ – Quantumcona LLP

Survey No. 130P and 115/1P, WeWork Rajapushpa, Nanakramguda Main Road,
Medchal Malkajgiri, Telangana – 500032, India

Contact - support@paymorz.com | grievance@paymorz.com