Privacy Policy

Last Updated: November 22, 2022

Introduction

This privacy policy (the “Privacy Policy”) explains how EukaPay (“EukaPay”, “our”, “we” and “us”) collects, uses, stores and discloses information about users (“users”, “you” and “your”) through our website (the “Website”), all other websites or services made available by EukaPay and our products and services, including the payment processing services (collectively, the “Services”) or when you otherwise interact with us.

By using the Website and/or the Services, you accept the terms of this Privacy Policy and our terms of service (the “Terms of Service”), and consent to our collection, use, disclosure, and retention of your information as described in this Privacy Policy. If you have not done so already, please also review our Terms of Service, a copy of which can be found at: eukapay.com/legal/terms. The Terms of Service contain provisions that limit our liability to you and require you to resolve any dispute with us on an individual basis and not as part of any class or representative action. If you do not agree with any part of this Privacy Policy or our Terms of Service, then you may not use the Website or any of the Services.

1. Collection of Information

1. Information You Provide To Us

EukaPay limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means. We collect personal information primarily from you, for instance through our onboarding process via supporting information and documentation you provide. What we collect during our onboarding process can be found at www.eukapay.com/verification. We may also collect personal information about you through your ongoing interactions with us. Information that we may collect include:

1. your name and contact information, such as email address;

2. credit, bank or payment card information;

3. Additional information for verifying your identification such as corporate documents including information related to the beneficial owners and directors of your business;

4. feedback and correspondence, such as information you provide in your responses to surveys, when you participate in market research activities, report a problem with the Software or the Services, receive customer support or otherwise correspond with us;

5. usage information, such as information about how you use the Software or the Services and interact with us; and

6. marketing information, such as your preferences for receiving marketing communications and details about how you engage with them.

2. Automatically Collected Information

When you access or use the Software or the Services, we automatically collect information about you, which may include:

1. Log Information: We may collect log information about your use of the Software and the Services, including the type of browser you use, access times and your IP address.

2. Device Information: We may collect information about the computer or mobile device you use to access the Software or the Services, including the hardware model, operating system and version, unique device identifiers, and mobile network information.

3. Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information, including cookies and web beacons. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and count visits. Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits and understand usage and campaign effectiveness. For more information about cookies and how to disable them, please see Section 11 below.

3. Information We Collect from Other Sources

We may obtain information from other sources, including third parties, and combine that with information we collect through the Website and the Services. Examples of third parties where we may obtain information about you include LinkedIn, social media, publicly available company directories / databases and your company website.

2. Use of Information

We use the information we collect to enable you to access and use and otherwise provide, maintain, and improve the Website and our Services. We may also use the information we collect to:

1. send you technical notices, updates, security alerts and support and administrative messages and to respond to your comments, questions and customer service requests;

2. communicate with you about products, services, offers, and events offered by us and others, and provide news and information we think will be of interest to you, which may be provided by any means, including by e-mail, in-app notifications, push notifications and display advertising;

3. personalize your experience when you use the Website or the Services;

4. administer contests, promotions, surveys and other Service features;

5. monitor and analyze trends, usage and activities in connection with the Website and the Services;

6. comply with applicable laws, lawful requests and legal processes, including responding to court orders or requests from regulatory authorities;

7. generate aggregate or de-identified data and use such data for any lawful purpose, including research and analytics; and

8. detect, investigate and prevent fraudulent transactions and other illegal activities, enforce our agreements with users (including our Terms of Service) and protect our rights and property of others.

3. Sharing of Information

We do not share or sell the personal information that you provide us with other organizations without your express consent, except as described in this Privacy Policy. We may disclose personal information to third parties under the following circumstances:

1. with vendors, consultants and other service providers who need access to such information to carry out work on our behalf, including hosting, email and database services;

2. For the purposes of meeting legal, regulatory, industry self-regulatory, risk management and security requirements;

3. in response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation or legal process;

4. if we believe your actions are inconsistent with our user agreements or policies (including our Terms of Service), or to protect our rights, property and our safety or that of others;

5. in connection with, or during negotiations of, any proposed or actual merger, sale of company assets, financing, securitization, insuring, acquisition of all or a portion of our business by another company, or bankruptcy transaction or proceeding;

6. between and among us and our current and future parents, affiliates, subsidiaries and other companies under common control and ownership; and

7. For other purposes with your consent or at your direction.

4. Advertising and Analytics Services Provided by Others

We may allow others to provide analytics services and serve advertisements on our behalf across the internet and in applications. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of the Website and the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked and conversion information. This information may be used by EukaPay and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites and better understand your online activity. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices (or www.youronlinechoices.eu if you are a resident of the European Economia Area).

5. Security

EukaPay uses safeguards and other security standards to ensure that all personal information in its custody and control is protected against loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. The measures we take will vary depending on the sensitivity, format, location, and storage of the personal information. Authorized employees, agents and vendors who require access to personal information to fulfill their job requirements will have access to personal information. We have safeguards in place to ensure unauthorized access is detected.

6. Data Retention

We store the information we collect about you for as long as is necessary for the purposes for which we originally collected it, or for other legitimate business purposes, including to meet our legal or other regulatory obligations, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation, enforce our Terms of Service, and other actions permitted by law. There is no single retention period applicable to the various types of personal information collected. Please contact us if you would like to delete any personal information we hold about you. We also reserve the right to continue to hold personal information about you to the extent it is required to be held by us by law, rule or regulation.

7. Disclaimer About Sharing Personal Information Online

You acknowledge that when sharing personal information online, there is always a risk of data breaches, including data breaches in which third parties unlawfully access our systems or the systems of our third-party providers, which store personal information. In cases where a breach of personal information may have occurred an internal investigation is conducted. In cases where there is a real risk of significant harm, EukaPay will notify the Office of the Privacy Commissioner of the breach and any individuals affected by the breach.

8. Limitation on Liability

While we take measures to protect personal information, you agree that in no event will we, our suppliers, partners, licensors, dealers, representatives, associates or affiliates and each of their respective officers, directors, employees, shareholders, advisors, counsel, representatives and agents and their respective heirs, administrators, executors, successors and assigns (collectively, the “EukaPay Parties”) be liable to you or any other person in any way in contract, tort (including negligence), civil liability or otherwise for any claims, damages, obligations, losses, liabilities, costs, debts or expenses (including but not limited to lawyer’s fees and disbursements), whether direct, indirect, special, economic, incidental, consequential, punitive or exemplary, including without limitation loss of revenue, data, anticipated profits or lost business, howsoever caused, including by way of negligence, arising from, related to or connect with the loss or theft of your personal information. You agree that if, notwithstanding the other provisions of this Agreement, a EukaPay Party is found to be liable for any claims, proceedings, liabilities, obligations, damages, losses or costs, such EukaPay Party’s liability shall in no event exceed the amount paid by you for the Services in the 6-month period prior to the event leading to such claim.

9. Transfer of Information to Other Countries

We are based in Canada. However, we may transfer personal information to outside agents or service providers (including our affiliates acting in this capacity) that perform services on our behalf, such as customer service and support, marketing and analytics, data hosting or processing services or similar services. Some of these service providers may be located outside of Canada, including the United States, and as a result your personal information may be processed in the United States or elsewhere outside of Canada, where local laws may permit foreign government and national security authorities to access personal information in certain circumstances.

10. Residents of the European Economic Area

If you are a resident of the European Economic Area (“EEA”), you have certain rights and protections under the law regarding the processing of your personal data. Any reference to “personal information” in this Privacy Policy should be understood as referring to “personal data”, defined under the General Data Protection Regulation (“GDPR”) as “any information relating to an identified or identifiable natural person (“data subject”); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person”.

1. Legal Basis for Processing

If you are a resident of the EEA, when we process your personal data we will only do so in the following situations:

1. with your consent;

2. to provide access to the Website or perform the Services you have requested from us or, upon your request, to take the steps necessary to provide you with the Website or such Services; or

3. in the furtherance of our legitimate interests in maintaining business relationships and communicating with you as a business contact, about our activities, the Website and the Services and providing, securing and improving the Website and the Services.

You have consented to the processing of your personal data for one or more specific purposes. We consider that our legitimate interests are in compliance with the GDPR and your legal rights and freedoms. You have the right to object to any of this processing and, if you want to, please contact us at the contact details indicated below.

2. Data Subject Requests

If you are a resident of the EEA, you have the right to access personal data we hold about you and to ask that your personal data be corrected, erased, or transferred. You may also have the right to object to, or request that we restrict, certain processing. If you would like to exercise any of these rights, you can contact us as indicated below. Please note that the limitation or deletion of your personal data may mean we will be unable to provide you with the Website or the Services. You also have the right to receive your personal data in a machine-readable format and have the data transferred to another party responsible for data processing.

3. Questions or Complaints

EukaPay is committed to resolving customer complaints fairly and in a timely manner. We value customer feedback and encourage you to contact us with your complaints to give us an opportunity to resolve your concerns.

If you are a resident of Canada and have a concern about your personal data, please contact our Privacy Officer at privacy@eukapay.com

If you are not satisfied with EukaPay’s response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca.

If you are a resident of the EEA and have a concern about our processing of personal data that we are not able to resolve, you have the right to lodge a complaint with the data privacy authority where you reside. For contact details of your local Data Protection Authority, please see: http://ec.europa.eu/justice/data-protection/article-29/structure/data-protection-authorities/index_en.htm.

11. Your Choices

1. Account Information

You have the right to access or correct your personal information. You may update, correct information about you at any time by contacting us as indicated in the “Contact Us” section below. Please note that we may retain cached or archived copies of information about you for a certain period of time. You can request to change contact choices, opt-out of our sharing with others, and update your personal information and preferences. Provision of copies of records containing personal information may be subject to a reasonable fee as permitted under law.

2. Promotional Communications

You may opt out of receiving promotional communications from us by following the instructions in those communications or by contacting us as indicated in the “Contact Us” section below. If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.

12. Changes to this Privacy Policy

We may change this Privacy Policy at any time in order to comply with applicable law or because of changes to our privacy practices. We encourage you to periodically review this page for the latest information on our privacy practices. If we make any changes, we will change the Last Updated date above.

Any modifications to this Privacy Policy will be effective upon our posting of the new terms. In all cases, your continued use of the Website or the Services after the posting of any modified Privacy Policy indicates your acceptance of the terms of the modified Privacy Policy.

13. Our Policies for Children

Our products, the Software and the Services are only directed to persons of the age of 18 or over. We do not knowingly collect any personal information from individuals under 18. If we become aware that we have unknowingly collected personal information from an individual under the age of 18, we will make commercially reasonable efforts to delete such personal information from our records. If you are concerned and are aware of a user under the age of 18 using the Website or the Services, please contact us as indicated in the “Contact Us” section below.

14. Contact Us

If you have any questions about this Privacy Policy, please contact us at: privacy@eukapay.com