Online privacy is constantly evolving, and Safe Payments Solutions s.r.o. (registration number: 06419526), trading as KoalaPays (“KoalaPays”) a company that is organized in Czech Republic, will take all commercially reasonable efforts to maintain up to date and effective online privacy standards and practices. We have linked every page of KoalaPays website (“Website”) to this page for Your convenience and You may also contact KoalaPays at firstname.lastname@example.org with any questions or concerns that You may have.
KoalaPays is committed to respecting Your online privacy and recognizes Your need for appropriate protection and management of any personally identifiable information (“Personal Information“) You share with us. Personal Information means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home or other physical address and an email address or other contact information, whether at work or at home, credit card information, and Website usernames and passwords.
If You choose to provide KoalaPays with Your Personal Information through its Website, or by facsimile, mail, or e-mail, KoalaPays may transfer that Personal Information within KoalaPays and transfer that Personal Information to KoalaPays Third Parties service providers, merchants with whom You have made transactions with for the purpose of assisting the merchant in resolving disputes across borders, and from Your country or jurisdiction to other countries or jurisdictions around the world.
KoalaPays also collects government-issued identification numbers (“ID Numbers”) to comply with existing Know Your Customer government regulations.
Access / Accuracy
KoalaPays is committed to safeguarding your privacy. We want you to know how we collect, use, share, and keep information about you and the choices that are available to you when you request our products or services.
In this privacy statement, we describe how KoalaPays, in its capacity as the data controller, collects, uses, shares, and keeps information about you in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (the General Data Protection Regulation). For the contact details of our Data Protection Officer, please see the “Query or Complaint” section.
From time to time, we may change this privacy statement. Depending on the nature of the change, we will inform you of any such change through our written communications with you or through our website, www.koalapays.com
“Account-to-Account Service” or “A2A” means the KoalaPays Service that enables an Account Holder to make secure on-line payments and/or to transfer funds in their Account to another Account Holder electronically.
This privacy statement describes how we (and our Service Providers) collect, use, share, and keep information about you. The types of information we collect will depend on which product or service you request or use. We collect Personal Information about you from:
We use your Personal Information: (i) where it is necessary for the performance of a contract or compliance with a legal obligation (e.g., due diligence financial institutions are required to perform before approving card accounts); (ii) for our legitimate interests, such as to establish, exercise or defend legal claims, prevent fraud and/or enhance our products or services; or (iii) where we have obtained your consent, such as for marketing purposes. More specifically, we use your Personal Information to do the following:
(1) deliver products and services, including to:
(2) advertise and market products and services for KoalaPays and our Business Partners, including to:
(3) improve our products and services and conduct research and analysis, including to:
(4) manage fraud, operational and security risks (using automated processes and/or manual reviews) including to:
(5) process your application (or personalise your offers) for our products and services (using automated processes and/or manual reviews) including to:
We do not share your Personal Information with anyone except as described below. We will share your Personal Information only with your consent or as required or permitted by applicable law, such as with:
We will exchange your Personal Information with credit reference agencies (CRAs) and fraud prevention agencies (FPAs). We may obtain Personal Information about you from these agencies including, where relevant, your spouse, and any business in which you are involved (including details of your co-directors or partners in business). For these purposes you may be treated as financially linked to such persons (“financial associates”) and you will be assessed with reference to their “associated records”. You must be sure that you have your financial associates’ agreement to disclose information about them.
(1) When you apply
If you are a director of a business, we will seek confirmation from CRAs that the residential address that you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. CRAs will record information about your business and its proprietors and may create a record of the name and address of your business and its proprietors if there is not one already.
(2) During the lifetime of your account
We will continue to make searches at CRAs to assist in managing your account and this will include looking at the associated records of your financial associates. These searches will not be seen or used by other organisations to assess your ability to obtain credit. We will also carry out further credit checks whilst any money is owed by you on your account (including contacting your bank, building society or any referee approved by you).
We may tell CRAs the current balance on your account and we may tell them if you do not make payments when due. They will record this information on your personal and business credit files (as applicable) and it may be shared with other organisations for the purpose of assessing applications from you, and applications from any other party with a financial association with you, for credit or other facilities, for other risk management purposes and for preventing fraud and tracing debtors. Failure to make repayments may impair your credit rating. Records shared with CRAs remain on file for 6 years after they are closed whether settled by you or defaulted.
We will analyse your Personal Information to assist in managing your account and to prevent fraud or any other unlawful activity. We and other organisations may access and use your Personal Information to prevent fraud and money laundering.
We and other organisations may access and use from other countries the information recorded by FPAs.
For additional information about how CRAs gather and use your Personal Information, please review the Credit Reference Agency Information Notice (CRAIN) at www.callcredit.co.uk/crain. You are entitled to access your personal records held by credit and fraud prevention agencies. You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
Most browsers are initially set up to accept cookies. You can set Your browser to block cookies entirely, delete cookies when You leave the website, notify You when You receive a cookie giving You the chance to decide whether or not to accept it, or limit the subsequent retrieval of cookies by the website. In addition, there are number of privacy-enhancing tools and software that You may purchase that will enable You to identify and block cookies on a selective basis. Please note that for some websites that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those websites where cookies are not optional.
We process, transfer and access your Personal Information through our systems in the UK and outside the European Economic Area (EEA), to operate our business, process transactions on foreign purchases, administer your account or provide products and services to you.
Regardless of where we process your information, we will take appropriate steps to ensure the adequate level of protection for your information in other countries outside the UK or EEA including the USA, where data protection laws may not be as comprehensive as the UK or EEA.
We use organisational, administrative, technical and physical security measures to safeguard your Personal Information and to help ensure that your information is processed promptly, accurately and completely. We require Service Providers to safeguard your Personal Information and only use your Personal Information for the purposes we specify.
We will keep your Personal Information only as long as we need to deliver the products and services that you requested, unless we are required to keep it for longer periods because of law, regulation, litigation or regulatory investigation purposes. For example, your Personal Information will be stored by for 5 years after you close your account, due to Inland Revenue requirements. If your account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk and debt recovery policies, this information could be retained by us for longer periods of time and considered if you choose to apply for products in the future.
When your Personal Information is no longer necessary for legal or regulatory needs, to administer your account or to deliver the products and services you have requested, we will take reasonable steps to securely destroy such information or permanently de-identify it.
We encourage you to check regularly that all Personal Information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete, you may ask us to correct or remove this information from our records. We recommend that you go to www.koalapays.com , log in, and update your Personal Information.
You have the right to access, update, erase, change or correct your Personal Information. More specifically, you have the right to:
If you want to exercise any of your rights or if you have any questions about how we process your Personal Information, you can contact email@example.com. You also have the right to contact the Information Commissioner directly at www.ico.org.uk.
You can choose how you would like to receive marketing communications, including direct marketing – whether we send them to you through postal mail, email, SMS and/or telephone. If you wish to opt out of receiving marketing from KoalaPays, we recommend you go to www.koalapays.com, log in, and update your privacy preferences. If you prefer, you can contact firstname.lastname@example.org. If you choose to not receive marketing communications from us, we will honour your choice.
Please be aware that if you choose not to receive such communications, certain offers attached to the products or services you have chosen could be affected.
We may contact you to ensure that the information we hold about your marketing preferences is up to date. Also, we will still communicate with you in connection with servicing your account, fulfilling your requests, or administering any promotion or program in which you have elected to participate.
If you have questions about this privacy statement or how your information is handled or wish to make a complaint or exercise your rights email email@example.com
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