PaySwyft Privacy Policy

1. Privacy and Disclaimer
2. Privacy Policy
3. Scope
4. When and how we collect information
5. How we protect your information
6. When and to whom we disclose your information
7. Cookies
8. Safeguarding Your Login Details
9. Keeping data up to date
10. General

1. Privacy and Disclaimer

   1.1PaySwyft is the trading name of Flycke UK Ltd.

   1.2 In this Privacy Policy "PaySwyft" refers to Flycke UK Ltd, its affiliates, holding companies, subsidiaries, agents and subcontractors.

   1.3 Any information you provide us with will only be disclosed in accordance with the Data Protection Act of 1998. Personal information provided by you to PaySwyft will only be used by Flycke UK Ltd and only for the purpose of responding to your enquiry. Flycke UK Ltd may also disclose your information if required to do so by law.[TOP]

2. Privacy Policy

   2.1 Personal information provided by you will only be used by PaySwyft for the purpose of operating your account. PaySwyft may disclose your information if required to do so by law.

   2.2 This Privacy Policy says how we collect, use and disclose your personal information. It applies to the use of our website and the services we offer on our website. You accepted this Policy when you agreed to our terms and conditions of our service. This policy may be amended at any time by posting a revised version on our website. Once posted any revised Policy will be immediately effective.[TOP]

3. Scope

   3.1 This Privacy policy governs how we collect, use and disclose personal information. It applies to the use of our website and the services we offer on our website. It also applies to any agreement that incorporates this policy by reference.

   3.2 This Privacy Policy was last updated in April, 2010.[TOP]

4. When and how we collect information

   4.1 We may collect the following information about you:

   a. Information you disclose to us in connection with your User Account;

   b. Information we may gather about you during our business relationship, such as transaction data, data collected from you during any credit Review Procedure or from third party providers such as credit rating agencies, or fraud prevention and detection service providers;

   c. Information we may receive about you or in relation to your transactions from any website or web portal on or through which you transact;

   d. Information we may receive from card associations or their members in relation to you or your transactions;

   e. Information we receive from you for the purpose of executing a transaction;

   f. Information we gather about you when visiting our website generally (usually through the use of Cookies, see section 5 below, and/or by recording your IP address, domain name and browser type).

   g. Information that you disclose to us when you respond to a survey from our customer support team.[TOP]

5. How we protect your information

   5.1 We store and process your personal information on our computers in the UK. We protect your personal information by using physical, electronic and procedural safeguards. We comply with applicable UK and EU regulations.

   5.2 We will store information securely and protect it against unauthorised access and disclosure. We maintain physical, electronic and procedural safeguards that comply with legal and other requirements to guard your personal information. Your transactions will be processed using secure communication standards such as Secure Socket Layer (SSL) with 128-bit encryption. You should always make sure that your browser is kept up to date and is compatible with SSL encryption and the appropriate browser functions are set. When starting an SSL session, your browser should indicate this by displaying a lock or similar security icon.

   5.3 We will not disclose information to any third party except for the reasons set forth in below or with your consent.

   5.5 We will only disclose your information to our employees who need to know such information for the fulfilment of their duties. Employees are regularly trained to comply with this privacy policy.

   5.6 Where we disclose information to a third party for operational reasons, we require such third party to adhere to privacy principles compliant with those set forth in this policy. [TOP]

6. When and to whom we disclose your information

   6.1 We may disclose all or part of your information to:

   a. our affiliates for operational reasons,

   b. service providers that we use to provide services to you;

   c. Billers, Payment Instrument providers or Card Associations (such as Visa, MasterCard, American Express), merchant acquirers, and agents and service providers to enable us to process your transactions;

   d. credit reference agencies and ID verification agencies that we use from time to time;

   e. fraud prevention and detection agencies that we use from time to time;

   f. Marketing agencies or other third parties that we use for marketing purposes unless you have opted out of receiving communications from us;

   g. Companies that we plan to merge with or be acquired by. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice;

   h. Law enforcement agencies, government officials, or other third parties when;

   • we are compelled to do so by a court order,

   • to comply with the law,

   • when it is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms and Conditions.

   i. Other third parties if you give your consent.

   6.2 If you do not want us to share your information with selected marketing agencies or other third parties for marketing purposes you may opt out of those disclosures at any time by checking the appropriate box in your User Account which you can access on our website or by contacting Customer Services.

   6.3 We will not sell or rent your personal information to third parties for their marketing purposes. [TOP]

7. Cookies

   7.1 When you visit our website, we may place small data files ("cookies") on your computer's hard drive. Most cookies are short-lived session cookies which we use to enhance user experience when visiting our website; for example to spare you from having to provide your login details every time you click on a new page. After the session is closed, this type of cookie expires and is deleted automatically from your hard drive. Other cookies may last longer and help us to identify you when you visit our site again. You can always choose not to accept cookies by disabling this function in your browser, however, you may not be able to use all services or features provided on our website.[TOP]

8. Safeguarding Your Login Details

   8.1 Your User Account is protected through a unique login and password. We recommend that you use a password that comprises a minimum combination of [8 letters, numbers and symbols].

   8.2 You should never disclose your login and password to anyone.

   8.3 You should not record your login details and password anywhere in writing or otherwise.

   8.4 If you think your login details and/or password have been lost, stolen, disclosed to any third party or otherwise compromised, you must inform us immediately.[TOP]

9. Keeping data up to date

   9.1 We will use reasonable efforts to keep your information accurate and up to date. You should check the information we hold on you regularly by logging into your User Account and updating your information when necessary. If you spot any error or omission in the information we hold, please promptly contact us so we can correct it.[TOP]

10. General

    9.1 We may change this Privacy Policy at any time by posting the changed terms or the changed policy on this site. Any changes take effect 30 days from posting.

    9.2 This Privacy Policy is governed by the laws of England and Wales, and you irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.

    9.3 PaySwyft will only keep a record of your information for backup or administrative purposes. You have a right to request access to information which PaySwyft holds about you, and to ask PaySwyft to correct it if you believe it is inaccurate or out of date. Please contact PaySwyft if you would like to discuss your privacy rights.[TOP]