1. Introduction
1.1. This Privacy Policy explains how w and our platform (“we,” “us,” or “our”) collects, uses, stores, and protects your personal information when you use our online payment request platform (“the Platform”).
1.2. We are committed to protecting your privacy and ensuring that your personal data is handled in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
1.3. By accessing or using the Platform, you agree to the collection and use of information as described in this Privacy Policy.
2. Data Controller
2.1. Our payment request platform, a company registered in England and Wales under company number TBC, is the Data Controller for the personal data you provide when using the Platform.
2.2. If you have any questions about this Privacy Policy or your personal data, you can contact us using the information available on our website.
3. What Data We Collect
We may collect and process the following types of personal data:
3.1. Account Information
- Name, email address, company name, job title, and contact details.
- Login credentials (username and password).
3.2. Payment Information
- Billing details such as name, address, and payment method details (note: payment information is processed via third-party payment processors and is not stored on our servers).
3.3. Usage Information
- Details of your use of the Platform, such as login times, page views, and interactions.
3.4. Communications
- Records of correspondence when you contact us for support or other inquiries.
3.5. Third-Party Information
- Details of third-party recipients (debtors) provided by you for the purpose of generating payment requests, including names, addresses, and email addresses.
4. How We Collect Your Data
We collect data from you when:
- You register for an account on the Platform.
- You complete and send payment requests using the Platform.
- You communicate with us (e.g., support requests).
- You make payments for services.
We also collect data automatically when you access the Platform, such as usage data, cookies, and IP addresses.
5. How We Use Your Data
We use personal data for the following purposes:
5.1. To Provide the Service
- To enable you to send payment requests via the Platform.
- To process payments for services.
5.2. To Manage User Accounts
- To create and manage your user account, including enabling login and authentication.
5.3. To Improve the Platform
- To improve, personalize, and develop the Platform by analyzing usage trends and feedback.
5.4. To Comply with Legal Obligations
- To comply with legal, tax, and regulatory obligations, including responding to legal requests, investigations, or enforcement actions.
5.5. To Communicate with You
- To send you important information about changes to our services, Terms and Conditions, or this Privacy Policy.
6. Legal Basis for Processing Personal Data
We rely on the following lawful bases to process your personal data:
- Performance of a Contract: When processing is necessary to provide the Platform’s services, such as sending payment requests or creating your account.
- Legal Obligations: When required to comply with legal or regulatory obligations.
- Legitimate Interests: When processing is necessary for our legitimate business interests (e.g., service improvement), except where these are overridden by your rights.
- Consent: For certain marketing activities, we may rely on your consent.
7. Sharing Your Data
We may share your data with the following parties:
7.1. Service Providers
- We use third-party providers for hosting, payment processing, customer support, and IT support. These providers process data on our behalf and are subject to confidentiality and security obligations.
7.2. Legal and Regulatory Authorities
- We may disclose your information if required to do so by law, court order, or to enforce our legal rights.
7.3. Business Transfers
- If we sell, merge, or transfer parts of our business, your personal data may be shared with third parties as part of the transaction.
We do not sell, rent, or trade your personal data with third parties for marketing purposes.
8. International Transfers
If your personal data is transferred outside the UK or European Economic Area (EEA), we will ensure it is protected with appropriate safeguards in accordance with applicable data protection laws.
These safeguards may include:
- Standard Contractual Clauses (SCCs) for transfers to non-adequate jurisdictions.
- Ensuring the recipient country has an adequacy decision from the UK or EU.
9. Data Retention
We retain personal data for as long as necessary to:
- Fulfill the purposes outlined in this Privacy Policy.
- Comply with legal, accounting, or reporting obligations.
If you close your account, we will delete or anonymize your data, except where we are legally required to retain it.
10. Your Rights
You have the following rights regarding your personal data:
10.1. Access and Portability
You have the right to access your personal data and request a copy in a machine-readable format.
10.2. Correction
You have the right to correct inaccurate or incomplete personal data.
10.3. Erasure
You can request that we delete your personal data under certain conditions.
10.4. Restriction of Processing
You can request that we limit the processing of your personal data.
10.5. Objection
You can object to our processing of your data if we are relying on legitimate interests as the legal basis.
10.6. Withdraw Consent
Where processing is based on your consent, you can withdraw it at any time.
To exercise any of these rights, please contact us using the payment details available on our website. We will respond within one month unless an extension is required.
11. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Recognize your device and preferences.
- Improve the Platform’s functionality and performance.
You can control cookie preferences through your browser settings. For more information, refer to our Cookie Policy[insert link if applicable].
12. Security Measures
We have implemented technical and organizational measures to protect your personal data, including:
- Encryption of data in transit and at rest.
- Access controls to ensure only authorized personnel can access personal data.
- Regular security testing and vulnerability assessments.
Despite these measures, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
13. Third-Party Links
Our Platform may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal data.
14. Children’s Privacy
The Platform is not intended for use by children under the age of 18. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us, and we will delete it.
15. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. If we make significant changes, we will notify you via email or a notice on the Platform.
The date of the latest update will be displayed at the top of this policy.
16. Contact Us
If you have questions, concerns, or complaints about how we handle your personal data, please contact us through the form available on our website.
You also have the right to lodge a complaint with the UK Information Commissioner’s Office (ICO).
This Privacy Policy was last updated on 10 December 2024