We have grouped the Personal Information PacyPay process related to its main processing activities, which include:
Operations, which includes: IT, telephony, security and analytics services;
Risk Management, which includes: fraud mitigation and management, authentication and acceptance;
Transaction processing, which includes: compliance monitoring, scheme operations, disputes/chargebacks, capturing payments, settlement;
Marketing, which includes: customer acquisition, usage analysis, lead generation and cross sell/up sell;
Relationship Management, which includes: supplier relationship management and customer relationship management;
Products, which includes: data analytics, business finance, self-service, fraud service, foreign exchange service, currency services, as well as the development of new products.
PacyPay uses and processes your Personal Information for purposes that are appropriate, based on legitimate interests or authorised by applicable law.
Whenever we share Personal Information internally or with third parties, we ensure the necessary safeguards are in place to protect it.
To be able to offer you the best possible services and remain competitive in our business, we share certain Personal Information both internally as well as outside of PacyPay. This includes:
We share information with independent sales agents (referral partners) who act on our behalf.
To comply with our regulatory obligations we may disclose Personal Information to the relevant authorities, for example to counter terrorism and prevent money laundering.
In some cases, we are obliged by law to share your data with external parties, including:
public authorities, regulators and supervisory bodies such as fraud protection agencies and the central banks of the countries where we operate;
judicial/investigative authorities such as the police, public prosecutors, courts and arbitration/mediation bodies on their express and legal request;
lawyers, for example, in case of a claim or bankruptcy, trustees who take care of other parties’ interests and company auditors.
When funds are transferred from a payer to a payee, the transaction involves other financial institutions, banks or a specialised financial company. PacyPay may process payments through such other financial institutions. These external organisations may process and store your personal information abroad and we and they may have to disclose your information to foreign authorities to help them in their fight against crime and terrorism. To process payments we have to share information about the transaction with other financial institution, such as your name and account number. We also share information with financial sector specialists who assist us with financial services like: • payments and transactions worldwide; • processing electronic transactions worldwide; and • settling domestic and cross-border security transactions and payment transactions.
Sometimes we share information with banks or financial institutions in other countries, for example when you make or receive a foreign payment.
When we use other service providers we only share Personal Information that is required for the particular task we involve the service provider for. Service providers support us with activities like: performing certain services and operations;
designing and maintenance of internet-based tools and applications;
marketing activities or events and managing customer communications;
preparing reports and statistics, printing materials and designing products;
placing advertisements on apps, websites and social media.
PacyPay may buy or sell business units or affiliates. In such circumstances, we may transfer customer information as a business asset. Without limiting the foregoing, if our business enters into a joint venture with or is sold to or merged with another business entity, your information may be disclosed to our new business partners or owners.
Your information may also be used for other purposes for which you give your specific permission, or when required by law or where permitted under the terms of the laws of the relevant jurisdiction.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. The information collected includes the number of site visitors, where visitors come to the site from and the page they visited.
We use the following cookies:
Analytical/performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Search/digital display/social remarketing cookies.
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.
Under the EU’s General Data Protection Regulation, individuals who reside in Europe are able to exercise rights regarding their Personal Information. You can find a more detailed summary of these rights on the UK’s Information Commissioner’s Office’s (“ICO”) website here. These rights include:
the right to access;
the right to rectification;
the right to restriction;
the right to erasure;
the right to object;
the right to data portability.
If access cannot be provided within a reasonable time frame, PacyPay will provide you with a date when the information will be provided. If for some reason access is denied, PacyPay will provide an explanation of why access has been denied.
The laws of other territories applicable to your dealings with PacyPay may also be relevant (and may also impact the above rights). Any such rights can be progressed via email@example.com.