Privacy Policy

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Privacy Policy
  1. POLICY OVERVIEW

Welcome to Paygneo, where our Paygneo prioritizes the protection of your personal data. This Privacy Policy serves as a comprehensive guide to our data handling practices, ensuring transparency and building trust with our users. We are committed to compliance with relevant privacy regulations, and this policy outlines the fundamental principles that govern how we collect, use, disclose, and secure your personal information. Utilizing or accessing the services offered by Paygneo ("Paygneo," "we," "us," or "our") is governed by these Terms and Conditions ("Terms"). As a user ("Merchant," "you," "your"), please review these Privacy carefully before engaging with our services

  1. WHO FALLS UNDER THIS POLICY'S PROTECTION?

This policy applies to all individuals engaging with Paygneo, encompassing users, merchants, and any stakeholders involved in our services. Whether you're accessing our services online or offline, understanding your rights and privacy is crucial. By using our platform, you automatically fall under the protection and regulations outlined in this policy.

  1. KEY DEFINITIONS

Personal Data:

At Paygneo, personal data refers to any information that can identify an individual. This includes but is not limited to names, contact details, transaction records, and any other data that can be linked to you.

Data Processing:

Data processing encompasses all operations performed on personal data, from collection and recording to organization, storage, and retrieval. It forms the core of our activities to provide you with seamless and secure transactions.

Consent:

We value your privacy, and your consent is essential. When we talk about consent, we mean your voluntary and informed agreement for us to process your personal data as outlined in this policy.

  1. FUNDAMENTAL DATA HANDLING PRINCIPLES

Our data handling practices adhere to fundamental principles:

Lawfulness:

Every data processing activity strictly complies with applicable laws and regulations, ensuring that your information is handled legally and ethically.

Fairness:

We treat all users fairly and transparently, maintaining an open line of communication regarding our data processing practices.

Purpose Limitation:

We collect and process data for specific and legitimate purposes, ensuring that your information is not used in ways you wouldn't reasonably expect.

Data Minimization:

To respect your privacy, we only collect the data necessary for the intended purpose, minimizing the amount of information we handle.

These principles are the foundation of our commitment to protecting your privacy and ensuring the responsible handling of your personal data.

  1. COLLECTION OF PERSONAL DATA

User Input:

When you interact with our services, such as creating an account, making transactions, or seeking support, we collect information provided by you.

Automated Collection:

We employ technologies like cookies to collect data automatically, enhancing your user experience and providing personalized services.

Third-Party Sources:

In some cases, we may obtain information from trusted partners, ensuring that we have a comprehensive understanding of your needs and preferences.

Our data collection methods are designed to provide you with a seamless and personalized experience while respecting your privacy.

  1. UTILIZATION OF YOUR PERSONAL INFORMATION

Transaction Processing:

Your personal information is primarily used to facilitate payment transactions and related services, ensuring the smooth functioning of our platform.

User Authentication:

We use your data to verify your identity, adding an extra layer of security to your transactions and account access.

Service Improvement:

Analyzing user data allows us to continuously enhance the quality of our services, providing you with an ever-improving experience.

Your personal information is a crucial part of ensuring the efficiency and security of our services, and we handle it with the utmost care.

  1. DISCLOSURE OF PERSONAL DETAILS

Legal Requirements:

We may disclose your personal information in response to court orders, legal processes, or regulatory requests, ensuring compliance with relevant laws and regulations.

Partnerships:

In some instances, we may share data with trusted partners to enhance and improve our services. Rest assured, such disclosures are conducted with your best interests in mind.

Transparency is key in our disclosure practices, and we strive to keep you informed about how and why we share your information.

  1. COOKIE POLICY

Types of Cookies:

Our website uses different types of cookies, including session cookies, persistent cookies, and third-party cookies, to enhance your browsing experience.

Cookie Management:

We provide user controls, allowing you to manage your cookie preferences and settings according to your preferences.

By understanding and managing your cookie preferences, you can customize your experience on our platform.

  1. DATA RETENTION DURATION

Retention Periods:

To respect your privacy, we have clear and defined timelines for retaining different categories of personal data, ensuring we only keep information for as long as necessary.

Data Deletion:

We have implemented secure mechanisms to delete outdated information, further safeguarding your privacy and data security.

Our commitment to data retention aligns with privacy best practices, allowing us to provide efficient services without compromising your privacy.

  1. ENSURING THE SECURITY OF YOUR PERSONAL DATA

Encryption:

We employ industry-standard encryption to protect your personal data during transmission, ensuring that it remains confidential and secure.

Access Controls:

Access to your personal data is limited to authorized personnel only, adding an extra layer of protection to prevent unauthorized access.

By implementing robust security measures, we prioritize the confidentiality and integrity of your personal information.

  1. NAVIGATING EXTERNAL LINKS AND THIRD-PARTY CONNECTIONS

External Links:

When navigating external links, we encourage users to review the privacy policies of these sites independently. While we strive to ensure the integrity of external links, we cannot guarantee or be held responsible for the privacy practices of third-party websites.

Third-Party Integration:

In cases where third-party services are integrated into our platform, we provide clear information about data sharing practices. We prioritize transparency, allowing you to make informed decisions about your data.

Navigating external links and interacting with third-party services should be approached with an awareness of the associated privacy considerations.

  1. YOUR PRIVACY RIGHTS AND CHOICES

Access and Correction:

You have the right to access and correct your personal information held by us. We provide straightforward procedures for users to review and, if necessary, update their data, ensuring its accuracy.

Opt-Out Options:

We respect your choices. You have the option to opt out of certain data processing activities and communication channels. Understanding and exercising these options is pivotal in tailoring your experience to your preferences.

Your privacy rights and choices are fundamental aspects of our commitment to empowering you in the management of your personal information.

  1. MINORS' CONSENT

Age Verification:

To comply with privacy regulations, we implement age verification mechanisms to ensure that our services are not used by individuals below 18 legally stipulated age.

Parental Consent:

In cases where our services may be accessed by minors, we have specific procedures in place to obtain parental consent, recognizing the importance of protecting the privacy of young users.

Our commitment to minors' privacy includes measures to prevent unauthorized access and promote a safe online environment.

  1. MODIFICATIONS TO OUR PRIVACY APPROACH

Policy Updates:

We strive to keep you informed about any changes to our privacy policy. Users will be notified of updates through communication channels specified in this policy.

Effective Date:

Each update comes with a clearly indicated effective date, allowing users to track when changes were last made. We value transparency in our privacy approach, keeping you well-informed.

Modifications to our privacy policy are conducted with a commitment to continuous improvement and adherence to privacy standards.

  1. INQUIRIES AND CONTACT DETAILS

Contact Options:

For any privacy-related concerns or inquiries, info@paygneo.com. Our dedicated support channels are designed to assist you promptly and efficiently.

Response Timeframe:

To ensure the timely resolution of privacy-related inquiries, we have established guidelines for response timeframes. Your concerns are important to us, and we are committed to addressing them in a timely manner.

Our contact details are easily accessible, reinforcing our commitment to open communication and user support.

info@paygneo.com

  1. SECURE DATA TRANSFER AND STORAGE

Secure Protocols:

We prioritize the use of secure transfer protocols, such as HTTPS, to protect the confidentiality and integrity of your data during transmission.

Data Storage Standards:

Our data storage practices adhere to industry standards, employing secure measures to prevent unauthorized access and ensure the integrity of your personal information.

By implementing secure data transfer and storage protocols, we prioritize the safeguarding of your information.

  1. REQUESTS FOR ACCESS TO YOUR DATA

User Requests:

Users have the right to request access to their personal data held by us. We provide clear guidelines on how to initiate such requests, empowering you to take control of your information.

Verification Process:

To maintain the security of your data, we have established verification processes to confirm the identity of individuals making data access requests.

Handling requests for access to your data is conducted with diligence and respect for your privacy.

  1. HANDLING PERSONAL DATA IN SPECIAL SCENARIOS

Mergers and Acquisitions:

In the event of mergers, acquisitions, or other significant corporate changes, we have defined procedures for handling personal data. Your privacy remains a priority during such transitions.

Data Subject Rights:

Recognizing the importance of data subject rights, we provide additional considerations for specific scenarios, ensuring the continued protection of your privacy.

Special scenarios are approached with care and in adherence to privacy best practices.

  1. COOKIE USAGE SPECIFICS

Purpose of Cookies:

We use cookies for specific purposes, such as enhancing user experience, personalization, and analytics. Clear information is provided on the purposes for which cookies are utilized.

User Controls:

Understanding that preferences vary, we provide user controls for managing cookie preferences. This allows you to tailor your cookie settings according to your preferences.

Our cookie usage specifics aim to balance personalization with user control and privacy.

  1. ENSURING SYSTEM SECURITY

Regular Audits:

We conduct periodic security audits to identify and address vulnerabilities in our systems. Regular audits are a proactive measure to ensure the ongoing security of your personal information.

Incident Response Plan:

In the event of security incidents, we have a well-defined incident response plan in place. This ensures swift and effective actions are taken to mitigate any potential impact on your data.

Ensuring system security is an ongoing commitment that involves proactive measures and a robust incident response strategy.

  1. USER RESPONSIBILITIES AND OBLIGATIONS

Secure Account Practices:

We encourage users to adopt secure account practices, including the use of strong passwords and regular reviews of account settings. Protecting your account information is a shared responsibility between you and Paygneo.

Reporting Concerns:

Users play a crucial role in maintaining a secure environment. We provide guidelines for users to report privacy concerns or suspicious activities promptly. This collaborative approach enhances overall security.

User responsibilities and obligations contribute to a collective effort to ensure the security and integrity 

  1. PARTNERSHIP WITH PAYMENT PROCESSORS

Partner Information:

We disclose relevant information about our partnerships with payment processors. Transparency in our partnerships ensures that users are informed about the entities involved in processing their transactions.

Data Handling by Partners:

While we collaborate with payment processors, we hold our partners to high privacy standards. We ensure that our partners adhere to privacy practices that align with our commitment to protecting user data.

Our partnership practices prioritize transparency and the secure handling of your data throughout the payment process.

  1. RESPONSE TO INCIDENTS AND DATA BREACH NOTIFICATIONS

Data Breach Notification:

In the unfortunate event of a data breach, we have established procedures for promptly notifying affected users. Transparent communication is key in providing you with timely information about potential risks.

Mitigation Steps:

Immediate steps are taken to address and resolve data breaches, minimizing the impact on users. Our incident response plan includes mitigation measures to protect your data and privacy.

Our commitment to transparency and swift action underscores our dedication to user data protection.

  1. ALERTS ABOUT POLICY UPDATES

Communication Channels:

Users are informed about policy updates through various communication channels, such as email notifications or announcements on our platform. Keeping users informed is essential for maintaining transparency.

Reasons for Updates:

We provide reasons for policy updates, ensuring that users understand the context and motivations behind changes. Clear communication builds trust and helps users stay informed.

Alerts about policy updates are part of our ongoing commitment to transparency and user communication.

  1. ACKNOWLEDGEMENT OF TERMS

Acceptance Confirmation:

Upon using our services, users are required to acknowledge the privacy policy. This confirmation serves as an acknowledgment of the terms outlined in the policy.

Continuous Consent:

We periodically remind users of their ongoing consent to the privacy policy. Continuous consent reinforces our commitment to keeping users informed and aware of their privacy rights.

Acknowledgment of terms is a fundamental step in establishing a mutual understanding between Paygneo and its users.

  1. USER EDUCATION AND PRIVACY AWARENESS

Educational Resources:

We provide educational resources to enhance users' understanding of privacy practices, data security, and the measures we take to protect their information.

Privacy Awareness Campaigns:

Periodic privacy awareness campaigns are conducted to keep users informed about emerging privacy trends, potential risks, and best practices for online security.

User education and privacy awareness are integral components of our commitment to fostering a privacy-conscious community.

  1. CONTACT DETAILS FOR DATA PROTECTION CONCERNS

Data Protection Officer Contact:

Contact details for our designated Data Protection Officer are provided for users who have concerns or inquiries related to data protection. This ensures a direct and efficient channel for addressing privacy concerns.

Escalation Process:

Clear procedures are outlined for escalating concerns if users find that their inquiries are not adequately addressed through standard channels. We prioritize the resolution of user concerns at all levels.

Providing contact details for data protection concerns demonstrates our commitment to addressing user inquiries promptly and effectively.