Privacy Policy (For users from China, excluding Hong Kong, Macau or Taiwan Region)

Privacy Policy (For users from EEA and UK)

Privacy Policy (For users from Singapore)

Privacy Policy (For users from other countries/regions)

Last Updated: October 2022

Privacy Policy (For users from China, excluding Hong Kong, Macau or Taiwan Region)

Your privacy is important to us. To better protect your privacy, iPayLinks Limited (Registered address/office address: UNIT 1119, 11/F, ADMIRALTY CENTRE TOWER 2, 18HARCOURTROAD,ADMIRALTY,HONGKONG;Email: data-protection@ipaylinks.com；referred as to “iPayLinks”, “we”, “us”, “our”) developed this Privacy Policy to demonstrate our firm commitment to protecting your privacy.

This Privacy Policy has been developed in accordance with the Personal Information Protection Law of the Peoples Republic of China (“PIPL”), and applies to all visitors of our Website and Apps and users of our products and services from China, excluding Hong Kong, Macau or Taiwan. This Privacy Policy is closely related to your use of our Services, and we recommend that you read and understand the full contents of this Policy to make appropriate choices. We strive to express this Privacy Policy in a easy-to-understand manner and concise language, and to use bold fonts to alert you to the terms and personal information in this Policy that have a material relationship to your interests.

It may be necessary for us to gather information on you for a specific purpose. We will always inform you when we are collecting such information. It is our intention to respect your request for privacy, and we provide you with communication channels to facilitate this.

The following discloses our information gathering methods and dissemination practices for our Website and Apps. iPayLinks is not responsible for the privacy practices of other linked sites.

When do we collect personal information?

When you visit our website: www.ipaylinks.com (“Website”) or mobile applications or APIs (collectively, the “Apps”), our server software records the domain name of your computer or device. We may also track the pages you visit. We do these things so that we can measure traffic, gauge the popularity of various parts of the Website and Apps, gain some general knowledge about our audience and compile aggregated statistics. We may also use cookies to collect information on how you use our Website and Apps. If you refuse cookies, certain features of our Website and Apps may not be available to you. For further information, please refer to our Cookies Policy.

If you wish to register for our products and services, we will from time to time collect your personal information specifically for the purpose of assessing your applications to use (or continual usage of) services or products offered by us.

What types of personal information do we collect?

Depending on the types and nature of the products and services you use (or continue to use), you may be requested to provide iPayLinks with personal information. This includes:

(a) personal particulars (e.g. name, email address, telephone number, country of residence, residential address, date of birth and/or identity card/passport details);

(b) recordings of our conversations with you;

(c) employment details (e.g. occupation, directorships and other positions held);

(d) banking information (e.g. account numbers, bank card information, such as name of issuing bank, type of card (debt card or credit card), or other bank card information, and banking transactions information, such as transaction amount, transaction time, transaction place, merchant name, merchant number and accepting institution), in which account number, bank card information and part of banking transactions are subject to sensitive personal information;

(e) background checks information;

(f) information you provide to us when you contact our support team to help us answer your queries. We also gather information about any suggestions or complaints you make in order to help address your queries and improve the products and services we offer you;

(g) your email and marketing preferences including interests and market list assignments, marketing objections, preferred language, Website and Apps data; and

(h) your device data and log information through the use of technologies cookies and web beacons and advertising IDs (more information about use of cookies can be found in our Cookies Policy) including IP addresses, device ID and type, and details about your use of our Website and Apps, browsing history, search queries, browser type, session frequency, wireless and mobile network connection information.

How do we collect personal information?

Your personal information is collected by us either directly (for example, when you use our Website and Apps, register for our products or services, enter into our promotional events or competitions, download our applications, or when you interact with us by contacting us for enquiries or providing feedback). You are under no obligation to provide the personal information when we seek to directly collect it from you. However, if you do not provide us with necessary personal information, i.e. certain information marked as mandatory or with an asterisk on the relevant forms, we may not be able to process your submission, provide you with our services or respond to your queries.

For what purposes are personal information processed?

We may process your personal information in the following situations pursuant to applicable laws, such as:

(a) to create customer profiles, maintain customer records and to communicate with you (including providing you with updates on changes to products and services), fulfill your requests and respond to your queries or feedback, addressing or investigating any complaints, claims or disputes;

(b) to send you important notices or personalised messages in relation to your use of our products and services;

(c) to use your necessary personal information to administer the operation of our Website and Apps, to allow you to use the services and functions of our Website, to process and manage your transactions, to conduct website maintenance, to solve problems, and to continually improve your Website experience and provide you with services and products in accordance with the terms and conditions that govern our relationship with you;

(d) to identify and send you marketing materials, news and information which we think will be of interest to you such as our latest promotional offers and upcoming products and services;

(e) to conduct screening, due diligence checks and verify your identity for the purposes of providing our products or services as may be required under applicable laws, regulations or directives;

(f) to detect, investigate and prevent fraud and other illegal activities;

(g) to use your personal information for purposes associated with our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes and for the purposes of seeking professional advice, including legal advice; and

(h) to keep internal records, decision making and facilitate internal purposes such as data analysis, and research to improve our products and services, service security and quality, and to maintain opt-in and opt-out lists.

Please find the details in regard with processing personal information by us in the Appendix I. Please understand that the services we provide to you are constantly updated and developed. If you choose to use another service that is not covered in the Appendix I and for the purpose of providing such service we need to collect your information, we will explain to you separately the scope and purpose of the information collection through web-page notification, interactive processes or in any other manner agreed in user agreements. We use, store, provide and protect your information in accordance with this Policy and the appropriate user agreements, and if you choose not to provide the relevant necessary information, you may not be able to use certain services or part of certain services, without prejudice to your use of other services provided by us. In addition, third party may provide services to you through our platform. When you enter a service page operated by a third party, please note that the service is provided to you by the third party. Where third party are involved in collecting personal information from you, it is recommended that you carefully review the third-partys privacy policies or agreements.

When will we use personal information for direct marketing purposes?

If you have given your explicit consent and have not subsequently opted out, we may use your personal data, including your contact information and demographic information to send information for marketing and promotional purposes to you. For example, we may use your personal data to offer you products or services, including special offers, promotions or entitlements that may be of interest to you or for which you may be eligible. Such marketing messages may be sent to you in various modes including but not limited to electronic mail, direct mailers, short message service, telephone calls, facsimile and other mobile messaging services. You may at any time request us to stop contacting you for marketing purposes via selected or all modes.

To find out more on how you can change the way we use your personal data for marketing purposes, please contact us.

How can we save your personal information and keep your personal information secure?

The data you provide to us will be stored at our office or servers of our agents in Hong Kong and the People’s Republic of China accessible only to our authorised employees and contractors and those to whom we give access. If we need to transfer relevant personal information collected in China to an institution outside of the territory of the People’s Republic of China, we will, in accordance with applicable laws and regulations and the relevant regulatory authorities, explain to you the purpose of cross-border transfer of personal information and the type of personal information involved, and require the foreign institution to keep your personal information confidential by signing agreements, on-site verification and other effective measures. We store your personal information for the period necessary for the purposes described in this Policy and within the time limits set forth in applicable laws, regulations and regulations.

We will take reasonable and necessary steps to protect your personal information, for example, in a technology development environment, we only use de-identified information for data analysis; When providing external research reports, we will de-label the information contained in the reports. We will store the de-identified information separately from the information that can be used to recover identifying individuals to ensure that individuals are not re-identified during subsequent processing of de-identified information. When transmitting and storing sensitive personal information, we will use encryption, permission control, de-identification / anonymization and other security measures.

We have set up a personal Information protection responsibility department, and established relevant internal control system, to take the principle of minimum enough authorization for staff who may access your information; will conduct systematic monitoring on the behavior of staff handling your information, and will organize and carry out data security education and training every year. In addition, our corresponding network/system has passed the national network security level protection evaluation. We will also conduct an annual data security assessment by ourselves or entrust data security services.

We have formulated emergency plans for personal information security, and regularly organized relevant internal personnel to conduct emergency response training and drills, for the purpose of mastering their job responsibilities as well as emergency handling strategies and procedures. When unfortunately a personal information security incident occurs, we will pursuant to the applicable laws, timely inform you of the basic situation of the security incident and the possible impact, the disposal measures we have taken or will take, the action we recommend you to take independently to prevent and reduce the risk, and remedial measures for you, etc. We will timely inform you of the latest status of the incident in the form of in-site letters, and emails/messages, etc. If it is impractical to inform the subject of personal information one by one, we will take a reasonable and effective way to make announcement. Meanwhile, we will also take the initiative to report the disposal of personal information security incidents in accordance with the requirements of regulatory authorities. If your legitimate rights and interests are damaged, we will assume the corresponding legal responsibility.

How long will we keep your personal information?

We retain your personal information only for a period of time necessary and reasonable for the purpose of providing our services to you or as long as required by laws, regulations and regulations.

When you stop using our services, we will immediately stop collecting and using your information, unless otherwise stipulated by laws, regulations or regulatory authorities. If we cease operations, we will stop collecting your personal information in a timely manner, notify you of the cessation of operations in the form of delivery or announcement, and delete or anonymize your personal information held by us.

How will we sub-entrust your personal information?

Some modules and functions of our services are provided by Qiyun Digital Technology (Shanghai) Co., LTD. (registered address/common office address: Room 162, Building 2, No. 880, Xingnan Road, Pudong New Area, Shanghai, Tel: [400-133-0157]). We have entered into a strict data processing agreement with it, and request them to to deal with your personal information pursuant to our instructions, our Policy and any other relevant measures in terms of confidentiality and security. Without consent of us, they will not engage others to handle your personal information, and we will take the necessary measures for supervising their personal information processing activities.

How will we share your personal information?

Unless we obtain your consent, we will not provide your personal information to any company, organization or individual other than the following objects, and after your separate consent, we will only provide your personal information for legal, legitimate, necessary and clear purposes, and will only provide the personal information necessary to provide the service, unless otherwise provided by laws and regulations.

For companies and organizations to which we provide personal information, we will sign a strict data processing agreement with them, require them to process personal information in accordance with our instructions, this Privacy Policy and any other relevant agreements, and we will require the company and organization to provide data security capabilities and information security qualifications (such as protection level assessment, information security management system, etc.) instructions

We may provide your personal information in accordance with laws and regulations or in accordance with the mandatory requirements of the competent government authorities.

We may provide your personal information to:

• Our affiliated companies;

• Service providers and partners we engage in order to provide our products and services to you, such as payment processing companies, acquirers, bank partners, payment system operators to process your transactions;

• Our Service providers and partners to carry out due diligence identity verification, transactions monitoring, fraud-screening and for the purposes of detecting, preventing or otherwise addressing fraud, security or technical issues, protecting against harm to the rights, property or safety of our users or the public, or as necessary to serve our legitimate business interests;

• Our advertising and analytics providers and with related service providers, in order to improve our business services;

• Any subsidiaries, joint ventures, or other companies under common control;

• Any other third party you authorized;

How will we transfer your personal information?

If it is necessary to transfer your personal information for reasons such as merger, division, dissolution, declaration of bankruptcy, etc., we will inform you of the name and contact information of the recipient. Meanwhile, we require the new company and organization holding your personal information to continue to process your personal information in accordance with this Policy, otherwise, we will require the company and organization to seek authorization and consent from you again.

How will we disclose your personal information?

We will disclose your personal information under necessary circumstances based on the legality required by laws and regulations. If disclosure is required, we will inform you of the purpose of disclosure, the type of personal information disclosed, the types of sensitive personal information involved, and obtain your separate consent.

How do you realize your right on personal information?

We guarantee that you may exercise the following rights with respect to your personal information:

(1) Query and access your personal information

You can access and check your name and ID card information through our platform Account setting → real-name verification of your account, or contact us by sending an email to data-protection@ipaylinks.com, except for the exceptions stipulated by laws and regulations.

(2) Correct your personal information

When you find that there is an error in the personal information we process about you, you have the right to request that we make a correction. You may request correction of personal information to us by sending an email to data-protection@ipaylinks.com.

(3) Transfer your personal information

When you have a need for the transfer of your personal information on our platform and meet the conditions stipulated by the Internet information department, you have the right to request us to provide a channel for information transfer, and you may send an email to data-protection@ipaylinks.com to make specific personal information transfer request to us.

(4) Delete your personal information

You may send an e-mail to data-protection@ipaylinks.com to request us to delete your personal information in the following circumstances, unless otherwise provided by laws and regulations:

(a) If we process personal information without your consent or in violation of our agreement with you;

(b) If we process personal information in violation of laws and regulations;

(c) If you no longer use our services, you cancel your account, or the retention period of your personal information has expired;

(d) The purposes for which we process your personal information have been achieved, cannot be achieved or are no longer necessary to achieve the purposes for which we processed;

(e) You withdraw your authorized consent to us.

(5) To withdraw all or part of your authorized consent

(a) You can cancel your account on our platform through Account setting → Cancellation application → Application for cancellation and withdraw all our authorization to continue collecting your personal information.

(b) You may request to change the scope of authorized consent by sending an email to data-protection@ipaylinks.com.

(c) Please understand that each business function requires certain necessary personal information to be completed. Once you withdraw your consent or authorization to relevant necessary personal information, we cannot continue to provide you with the services corresponding to the consent or authorization to be withdrawn, and will no longer process your relevant personal information. However, your decision to withdraw your consent or authorization will not affect the prior processing of personal information based on your authorization.

(6) To close your account

When you meet the agreed cancellation conditions, you may cancel the previously registered account at any time, the specific path is Account Settings → Cancellation application → Application for cancellation. If you cannot close your account due to special reasons, you can also send an email to data-protection@ipaylinks.com to close your account.

(7) To obtain a copy of your personal information

You have the right to obtain a copy of your personal information. You may obtain a copy of your confirmed iPayLinks Privacy Policy by sending an email to data-protection@ipaylinks.com to understand your use of personal information on our platform.

(8) To respond to your above request

If you have any questions, suggestions, comments or complaints, please contact us by sending email to data-protection@ipaylinks.com. In order to ensure security, we will process the information upon the necessary authentication is approved. Generally speaking, we will get back to you within 15 working days.

Personal information protection of minors

Our website and services are for adults only. If you are under 18 years of age, please do not use our website or services. We will not process the personal information of minors under the age of 18.

Special tips for sensitive personal information

We collect and use your sensitive personal information based on the legality of laws and regulations. We will only process your sensitive personal information if it is necessary to provide you with our services for a specific purpose and if we take strict protective measures.

The sensitive personal information we collect from you includes account numbers, bank card information and some bank transaction information.

For special processing requirements of sensitive personal information, such as account number, bank card information and part of bank transaction information, before using the service, we will obtain your separate consent and inform you of the rules for using your sensitive personal information. In the transmission and storage of sensitive personal information, we will use encryption and other security measures.

Personal information protection of deceased users

After the death of a user of our platform, you, as a close relative, can contact us through the contact information of this Privacy Policy for your own legitimate and legitimate interests, and exercise the right to consult, copy, correct and delete the personal information of the deceased user generated on our platform. Special note is required. If you want to check the users bank card account information on our platform, please contact the bank card account.

At the same time, in order to fully protect the rights and interests of deceased users personal information, we will verify relevant materials, such as the deceased users identity documents, death certificates, the applicants identity documents, and the proof of kinship between the applicant and the deceased users.

Policy update

Our Privacy Policy is subject to changes in product updates as well as legal and regulatory requirements. When there is a significant change to this Policy, we will timely notify you by pop-up reminder, message push, email notification or announcement on our official website. The circumstances that constitute significant changes include but are not limited to:

(a) Significant changes occur in the scope and mode of services we provide;

(b) Significant changes occur in our operating entities, organizational structure, ownership structure and other aspects;

(c) The main object for which your personal information is provided, transferred or publicly disclosed changes;

(d) Your rights to participate in personal information processing and the way in which you exercise them change significantly;

(e) Our responsible department responsible for personal information security and its contact information, complaint channels have changed;

(f) Other changes that may materially affect your personal information rights and interests.

You may find this Policy by clicking Privacy Policy on our official website www.ipaylinks.com. If you have any questions, comments or suggestions regarding this Privacy Policy or your personal information, please contact us by sending an email to data-protection@ipaylinks.com. Generally speaking, we will reply you within 15 working days.

Your Consent

Your use of iPayLinks means that you accept this Privacy Policy. You agree that the personal information given by you and collected by us from time to time may be used and disclosed for the foregoing purposes, and to such persons as may be appropriate in accordance with this Privacy Policy.

Appendix I

Personal Information Collection List

1. To register

Collection frequency: only when a user triggers registration

Necessary information: User name and mobile phone number

Purpose of collection and scenario: To complete registration

2. To create a new account

Collection frequency: only when a user triggers the creation of a new account.

Necessary information: Account name subject type; Country or region where the subject is located; Industry category; Basic information of the subject (name, address, copy of relevant certificate, number of relevant certificate); Basic information of the legal person /director /Ultimate Beneficial Owner (UBO) /authorized signer (name, address, pictures of relevant certificates and numbers of relevant certificates);

Description of purpose of collection and scenario: Account authentication compliance audit.

3. To make payment/withdrawal

Collection frequency: only when the user triggers a payment/withdrawal operation

Necessary information: Payee information (payee name, receiving bank account number, receiving bank name, receiving bank unique identifier or other supporting information); Withdrawal order information (basic order information, commodity information, logistics information); Contract information (contract/invoice, etc.);

Description of purpose of collection and scenario: For payment/withdrawal compliance audit.

4. To bind or authorize stores

Collection frequency: only users trigger binding stores

Necessary information: basic information of the store (platform type, store name, store link, sales category, account name, currency of payment); Sales information (relevant sales information can be obtained after the user authorizes the store) Store owner information (store owner name, store owners bank card number, store owners bank name, store owners address information)

Description of purpose of collection and scenario: For store compliance audit.

Last updated: October 2022

Privacy Policy (For users from EEA and UK)

Our Commitment to your privacy

Your privacy is important to us. To better protect your privacy, iPayLinks UK LLP (“iPayLinks”, “we”, “us”, “our”) developed this Privacy Policy as an extension of our commitment to combine quality services with integrity in dealing with our users.

If you visit, interact with us, or use our website: www.ipaylinks.com (“Website”) or our applications or APIs (collectively, the “Apps”) through any channel, register to use our services and products, we may collect and process certain personal information about you. The processing of your personal information, including personal data, complies with applicable data protection laws, including the EU General Data Protection Regulation (Regulation (EU) 2016/679) (“GDPR”).

The purpose of this privacy policy (“Privacy Policy”) is to provide a clear explanation of when, why and how we collect and use your personal information. We have written this to be as user friendly as possible, and have labelled sections to make it easy for you to find the information that may be most relevant to you and to allow you to click on a topic to find out more. This Privacy Policy should be read together with our Cookies Policy.

Please read this Privacy Policy carefully. This Privacy Policy is intended to articulate the types of personal data we may collect, what your data may be used for, what the legal bases for those collections and uses are, and how we protect it. This Privacy Policy is not intended to override the terms of any contract that you may have with us (for example, the terms and conditions you agreed when you apply to use our payment and account management services) or any rights you might have under data protection laws applicable to you.

We may make changes to this Privacy Policy from time to time to keep it up to date or to comply with legal requirements or changes in the way we operate our business. We will notify you about significant changes through our Website. We encourage you to regularly check and review this Policy so that you will always know what information we collect, how we use it, and who we share it with.

Controller of personal information

iPayLinks UK LLP will be the data controller and as such is responsible for looking after your personal information. Our Data Protection Officer may be contacted by emailing data-protection@ipaylinks.com.

The personal information you submit to us in one country may be transferred, used, processed, stored and accessed worldwide by iPayLinks and our representatives in one or more countries. For details, please see section headed “Who do we share your personal information with?” below.

What types of personal information do we collect?

Depending on the types and nature of the products and services you use (or continue to use), we may collect different types of personal information from you. This includes:

(a) personal particulars (e.g. name, email address, telephone number, country of residence, residential address, date of birth and/or identity card/passport details);

(b) voice recordings of our conversations with you;

(c) employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/or benefits);

(d) tax information;

(e) banking information (e.g. account numbers and banking transactions);

(f) background checks information (e.g. credit history);

(g) information you provide to us when you contact our support team to help us answer your queries. We also gather information about any suggestions or complaints you make in order to help address your queries and improve the products and services we offer you;

(h) information obtained from mobile device with your consent (e.g. device location and information);

(i) your email and marketing preferences including interests and market list assignments, marketing objections, preferred language, Website and Apps data; and

(j) your device data and log information through the use of technologies, cookies and web beacons and advertising IDs (more information about use of cookies can be found in our Cookies Policy) including IP addresses, device ID and type, and details about your use of our Website and Apps, browsing history, search queries, browser type, session frequency, geolocation information, wireless and mobile network connection information.

How do we collect personal information?

Your personal information is collected by us directly (for example, when you use our Website and Apps, register for our products or services, enter into our promotional events or competitions, download our applications, or when you interact with us by contacting us for enquiries or providing feedback). You are under no obligation to provide the personal information when we seek to directly collect it from you. However, if you do not provide us with certain information marked as mandatory or with an asterisk on the relevant forms, we may not be able to process your submission, provide you with our services or respond to your enquiries.

For what purposes are personal information collected and used?

We may use your personal information for our core business purposes, such as:

(a) create customer profiles, maintain customer records and to communicate with you (including providing you with updates on changes to products and services), fulfil your requests and respond to your queries or feedback, addressing or investigating any complaints, claims or dispute;

(b) send you important notices or personalised messages in relation to your use of our products and services;

(c) administer the operation of our Website and Apps, to allow you to use the services and functions of our Website, to conduct website maintenance, to troubleshoot problems, and to continually improve your Website experience;

(d) provide you with services and products in accordance with the terms and conditions that govern our relationship with you;

(e) to identify and send you marketing materials, news and information which we think will be of interest to you such as our latest promotional offers and upcoming products and services;

(f) conducting screening, due diligence checks and verify your identity for the purposes of providing our products or services as may be required under applicable laws, regulations or directives;

(g) detect, investigate and prevent fraud and other illegal activities;

(h) use your personal information for purposes associated with our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes and for the purposes of seeking professional advice, including legal advice; and

(i) keep internal records, decision making and facilitate internal purposes such as data analysis, and research to improve our products and services, service security and quality, and to maintain opt-in and opt-out lists.

When will we use personal information for direct marketing purposes?

We may use your personal information to send you direct marketing communications about our products and services or our related services including our upcoming services, products and offers. This may be in the form of email, post, SMS, telephone or targeted online advertisements or in-app notifications. We limit direct marketing to a reasonable and proportionate level, and to send you communications which we think will be interesting and relevant to you, based on the information we have about you.

From the effective date of this Privacy Policy onwards, where you register for our products, services or offers and have elected to receive direct marketing information by email or SMS, then for the purposes of the GDPR and where required under relevant data privacy laws, we will ask you for your consent for our processing of your personal information for direct marketing purposes.

The above statement does not apply if you have previously provided us with your personal information and opted-in to direct marketing in accordance with relevant laws. In these cases our continued processing of your personal information is based on our legitimate interests as further detailed in Appendix 1.

You have a right to stop receiving direct marketing at any time. You can do this by following the opt-out links in electronic communications (such as emails), or by contacting us (please see the “How to contact us” section below).

What is our legal basis for using your personal information?

We will only process your personal information where we have a legal basis to do so. We are required to establish a legal basis in order to use your personal information for the purposes set out above. We will make sure that we only use your personal information for the purposes set out above and in Appendix 1 where we are satisfied that:

a.our use of your personal information is necessary to perform a contract or take steps to enter into a contract with you (e.g. to fulfil obligations under the contract signed between you and us);

b.you have provided your consent;

c.it is necessary to comply with a legal obligation; or

d.our use of your personal information is necessary to support the “legitimate interests” that we have as a business (for example, to improve our products and services, to provide help or support in connection with our Website and Apps, to ensure that they operate efficiently and securely, and to carry out analytics across our datasets), provided it is always carried out in a way that is proportionate, and that respects your data privacy rights.

Who do we share your personal information with?

Your personal information may be shared with companies within our group to assist us in providing our products and services to you.  We may also disclose your personal information to the following third parties for the purposes described below:

• Service providers and partners we engage in order to provide our products and services to you, such as payment processing companies, acquirers, bank partners, payment system operators to process your transactions.

• In response to a valid legal request from government, regulatory authorities, law enforcement agencies and courts.

• Professional advisors such as law firms to enforce or apply any contract with you or including subpoenas, court orders, legal process, and our auditors in connection with our audit requirements.

• Service providers and partners we engage to carry out due diligence identity verification, transactions monitoring, fraud-screening and for the purposes of detecting, preventing or otherwise addressing fraud, security or technical issues, protecting against harm to the rights, property or safety of our users or the public, or as necessary to serve our legitimate business interests.

• In order to improve our business services, we may share your personal information, as well as non-personally identifiable information, with our advertising and analytics providers and with related service providers.

• We may share your personal data with any subsidiaries, joint ventures, or other companies under common control. If another company acquires our company, business, or our assets, that company will possess the personal data collected by us and will assume the rights and obligations regarding your personal data as described in this Privacy Policy.

Our Website may, from time to time, contain links to and from the websites of our partners and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we have no control over how they may use your personal data. You should check the privacy policies of third party websites before you submit any personal data to them.

What countries will your personal information be sent to?

Your personal information may be sent to and stored by us, our affiliates and third parties in countries outside the United Kingdom and the European Economic Area (EEA). We must comply with specific rules when we transfer Personal Data (as defined in the GDPR) from inside the EEA to outside the EEA. When we do this, we will use appropriate safeguards, where necessary, to protect any Personal Data being transferred. We will always take steps to ensure that any international transfer of information is carefully managed to protect your rights and interests and is undertaken in accordance with the applicable rules governing such transfers.

You have the right to ask us for more information about the safeguards we have put in place (please see the “How to contact us” section below if you would like further information).

How can we keep your personal information secure?

We make every effort to protect us and you (including your data and personal information that we hold) from unauthorised access, alteration, disclosure or destruction. We have implemented technical and organisational security measures to safeguard your personal information and data.

In particular:

(a) we regularly review our information collection, storage and processing practices, including physical security measures, to guard against unauthorised access to systems;

(b)we use encrypted password protection where appropriate; and

(c)we restrict access to personal information to only those employees and contractors who need access to the relevant personal information in order for them to process it for us and who are subject to strict contractual confidentiality obligations.

We work hard to protect your personal information, but cannot guarantee the security of the data you disclose online due to the inherent security risks of providing information over the Internet.

How long will we keep your personal information?

We will retain your personal information for as long as is reasonably necessary for the purposes listed in section “For what purposes are personal information collected and used?” as detailed in Appendix 1. When we no longer need to use your personal data, we will remove it from our systems and records and/or take steps to anonymise it so that you can no longer be identified from it. In some circumstances we may retain your personal information for longer periods of time. Such circumstances may include but are not limited to where we are required to do so to meet legal, regulatory, tax or accounting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

What are your other rights?

Subject to applicable laws and regulations, you may have a number of rights in relation to your personal information. For example, under GDPR, you may request access to your data, rectification of any mistakes in our records, erasure of records where no longer required, restriction on the processing of your data, objection to the processing of your data, data portability and various information in relation to any automated decision making and profiling or the basis for international transfers. You also have the right to lodge a complaint with your national supervisory authority.

(a) Access: you can ask us to provide details of what personal information (if any) we process about you, what we use it for, who we disclose it to, whether we transfer it abroad and how we protect it, how long we keep it for, how you can make a complaint, where we got your data from, you can also ask us to provide a copy of it;

(b) Rectification: you can ask us to rectify inaccurate personal information;

(c) Erasure: you can ask us to erase your personal information in certain circumstances (for example if it is no longer needed for the purposes for which it was collected or you have withdrawn your consent if the data processing was based on consent) absent an overriding legitimate interest;

(d) keep but not use) your personal information in certain circumstances (for example where its accuracy is contested or where it ceases to be useful for the purposes we are using it for);

(e) Portability: in certain circumstances you can ask us to provide your personal information to you in a structured, commonly used, machine-readable format, or you can ask to have it ported directly to another data controller;

(f) Objection: you can object to any processing of your personal information which has our legitimate interests as its lawful basis if you believe your fundamental rights and freedoms outweigh our legitimate interests;

(g) Automated Decision Making: you can ask for certain automated decisions to be reconsidered by us using human intervention；

(h) Withdrawal of Consent: if you have consented to our processing of your personal information, you have the right to withdraw your consent at any time. This includes cases where you wish to opt out from marketing messages your receive from us；and

(i) Lodging a Complaint: you have a right to lodge a complaint with your national data protection supervisory authority at any time if you believe that we have not complied with applicable data protection laws. Please click here for a list of national data protection authorities in the EEA countries. We would, however appreciate the chance to deal with your concerns before your approach the data protection authorities so please contact us in the first instance.

Please contact us as set out in the section headed “How to contact us?” if you do wish to exercise these rights.

How to contact us?

If you have any questions or concerns about our use of your personal information, please contact us by email at data-protection@ipaylinks.com, or by post at: Floor 18 100 Bishopsgate, London, United Kingdom, EC2M 1GT6.

APPENDIX 1 – LAWFUL BASES FOR PROCESSING

No.	Purpose for processing	Lawful basis
1.	Create customer profiles, maintain customer records and to communicate with you (including providing you with updates on changes to products and services), fulfil your requests and respond to your queries or feedback, addressing or investigating any complaints, claims or dispute.	This processing is necessary for the purpose of the legitimate interests pursued by iPayLinks. iPayLinks considers that it has a legitimate interest in ensuring your requests and feedback are attended to and to maintain an accurate record of your data.
2.	Send you important notices or personalised messages in relation to your use of our products and services.	This processing is necessary for the purpose of the legitimate interests pursued by iPayLinks. iPayLinks considers that it has a legitimate interest in ensuring that all customers receive the best possible experience, helping us to preserve our business operations, and ensuring that you are provided with information relevant to you.
3.	Administer the operation of our Website and Apps, to allow you to use the services and functions of our Website, to conduct website maintenance, to troubleshoot problems, and to continually improve your Website experience.	This processing is necessary for the purpose of the legitimate interests pursued by iPayLinks. iPayLinks considers that it has a legitimate interest in ensuring that all customers receive the best possible experience and improving our products and services offering in order to preserve our business operations.
4.	Provide you with services and products in accordance with the terms and conditions that govern our relationship with you.	This processing is necessary to perform the contract between you and iPayLinks.
5.	To identify and send you marketing materials, news and information which we think will be of interest to you such as our latest promotional offers and upcoming products and services.	This processing is necessary to perform the contract between you and iPayLinks. iPayLinks may also in certain situations have a legitimate interest to ensure that we are providing our customers with the opportunity to engage with us and participate in our promotional offers and be made aware of our upcoming products and services.
6.	Conducting screening, due diligence checks and verify your identity for the purposes of providing our products or services as may be required under applicable laws, regulations or directives.	iPayLinks considers that it has a legal obligation to ensure its business operates in accordance with applicable laws, regulations and directives.
7.	To detect, investigate and prevent fraud and other illegal activities and protect our rights and property.	This processing is necessary for the purpose of the legitimate interests pursued by iPayLinks. iPayLinks considers that it has a legitimate interest to prevent or otherwise address fraud, security or technical issues, protect against harm to the rights, property or safety of our users or the public.
8.	Use your personal information for purposes associated with our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes and for the purposes of seeking professional advice, including legal advice; and	iPayLinks considers that it has a legal obligation to ensure its business operates in accordance with applicable laws, regulations and directives.
9.	To keep internal records, decision making and facilitate internal purposes such as auditing, data analysis, and research to improve our products and services.	This processing is necessary for the purpose of the legitimate interests pursued by iPayLinks. iPayLinks considers that it has a legitimate interest in continually improving our services in order to preserve and grow our business operations, and ensuring that you are provided with information relevant to you.
10.	To maintain opt-out and opt-in lists (including responding to customer requests to opt-out of direct marketing).	This processing is necessary for the purpose of a legal obligation to which iPayLinks is subject in order to not provide direct marketing materials to individuals which have opted-out of, or opted-in to, receiving such communications.
11.	To develop, display and track content for the purposes of customising or personalising advertising, offers and content made available to you based on your usage of websites, mobile applications or services, and analysing the performance of those advertisements, offers and content, as well as your interaction with them.	iPayLinks considers that it has a legitimate interest in ensuring that you receive information about our products and services which may be of interest to you, this also helps us to preserve and grow our business operations.

Last Updated: February, 2022

Privacy Policy (For users from Singapore).

Paylinks Pte. Ltd. with its principal office located at 36 Robinson Road #03-134 Singapore 068877 (UEN 201927304N) is licenced and regulated by The Monetary Authority of Singapore as a Major Payment Institution (Payment Licence Number: PS20200288) to carry on the business of providing cross-border money transfer service under the Payment Services Act (“PS Act”).

Our Commitment to your privacy

Paylinks Pte. Ltd. (“iPayLinks”, “we”, “us”, “our”) chooses to abide by the requirements of The Personal Data Protection Act 2012 (the “PDPA”) which establishes a general data protection law in Singapore that governs the collection, use and disclosure of individuals’ personal data by organisations, and applies to all visitors of our Website and Apps and users of our products and services from Singapore (“you”, “your”). We recognise that your privacy is very important and we are committed to protecting personal information we collect from you.

Generally, we only use or disclose personal information about you for the purposes for which it was collected. iPayLinks will not disclose any non-public, personal or financial information about its clients to third parties unless in some circumstances, the law may permit or require us to use or disclose personal information for other purposes (for instance where you would reasonably expect us to and the purpose is related to the purpose of collection through authorisation of transactions).

At iPayLinks, we are committed to safeguarding your privacy. We want you to know how we may collect, use, share, and keep information about you and the choices that are available to you. When we provide any products or services to you, we may also give you specific additional details about how we will use your personal information. This online privacy policy applies to our websites, as well as your use or access of any of our online services, content and other online programmes that we offer with our partners and link to this policy. Since we may change this online privacy statement, we recommend that you check the current version available from time to time. If we make changes to this statement, we will update the ‘Effective Date’ at the top of this page.

When do we collect personal information?

When you visit our website: www.ipaylinks.com (“Website”) or mobile applications or APIs (collectively, the “Apps”), our server software records the domain name of your computer or device. We may also track the pages you visit. We do these things so that we can measure traffic, gauge the popularity of various parts of the Website and Apps, gain some general knowledge about our audience and compile aggregated statistics. We may also use cookies to collect information on how you use our Website and Apps. If you refuse cookies, certain features of our Website and Apps may not be available to you.

If you wish to register for our products and services, we will from time to time collect your personal information specifically for the purpose of assessing your applications to use (or continual usage of) services or products offered by us. If you provide incomplete or incorrect personal information, we may not be able to provide or continue to provide our products and services to you.

What types of personal information do we collect?

Depending on the types and nature of the products and services you use (or continue to use), you may be requested to provide iPayLinks with personal information. This includes:

(a) personal particulars (e.g. name, email address, telephone number, country of residence, residential address, date of birth and/or identity card/passport details);

(b) voice recordings of our conversations with you;

(c) employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/or benefits);

(d) tax information;

(e) banking information (e.g. account numbers and banking transactions);

(f) background checks information (e.g. credit history);

(g) information you provide to us when you contact our support team to help us answer your queries. We also gather information about any suggestions or complaints you make in order to help address your queries and improve the products and services we offer you;

(h) information obtained from mobile device with your consent (e.g. device location and information);

(i) your email and marketing preferences including interests and market list assignments, marketing objections, preferred language, Website and Apps data; and

(j) your device data and log information through the use of technologies cookies and web beacons and advertising IDs (more information about use of cookies can be found in our Cookies Policy) including IP addresses, device ID and type, and details about your use of our Website and Apps, browsing history, search queries, browser type, session frequency, geolocation information, wireless and mobile network connection information.

How do we collect personal information?

Your personal information is collected by us either directly (E.g. when you use our Website and Apps, register for our products or services, enter into our promotional events or competitions, download our applications, or when you interact with us by contacting us for enquiries or providing feedback) . You are under no obligation to provide the personal information when we seek to directly collect it from you. However, if you do not provide us with certain information marked as mandatory or with an asterisk on the relevant forms, we may not be able to process your submission, provide you with our services or respond to your enquiries.

For what purposes are personal information collected and used?

We may use your personal information for our core business purposes, such as:

(a) create customer profiles, maintain customer records and to communicate with you (including providing you with updates on changes to products and services), fulfil your requests and respond to your queries or feedback, addressing or investigating any complaints, claims or disputes;

(b) send you important notices or personalised messages in relation to your use of our products and services;

(c) administer the operation of our Website and Apps, to allow you to use the services and functions of our Website, to conduct website maintenance, to troubleshoot problems, and to continually improve your Website experience and provide you with services and products in accordance with the terms and conditions that govern our relationship with you;

(d) to identify and send you marketing materials, news and information which we think will be of interest to you such as our latest promotional offers and upcoming products and services;

(e) conducting screening, due diligence checks and verify your identity for the purposes of providing our products or services as may be required under applicable laws, regulations or directives;

(f) detect, investigate and prevent fraud and other illegal activities ;

(g) use your personal information for purposes associated with our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes and for the purposes of seeking professional advice, including legal advice; and

(h) keep internal records, decision making and facilitate internal purposes such as data analysis, and research to improve our products and services, service security and quality, and to maintain opt-in and opt-out lists.

When will we use personal information for direct marketing purposes?

Where you have given your explicit consent and have not subsequently opted out, we may use your personal data, including your contact information and demographic information to send marketing and promotional purposes to you. For example, we may use your personal data to offer you products or services, including special offers, promotions or entitlements that may be of interest to you or for which you may be eligible. Such marketing messages may be sent to you in various modes including but not limited to electronic mail, direct mailers, short message service, telephone calls, facsimile and other mobile messaging services. You may at any time request that we stop contacting you for marketing purposes via selected or all modes.

To find out more on how you can change the way we use your personal data for marketing purposes, please contact us (please see the “How to contact us” section below).

Who do we share your personal information with?

Your personal information may be shared with our affiliated companies in providing our products and services to you. We may also disclose your personal information to the following third parties for the purposes described here:

• Service providers and partners we engage in order to provide our products and services to you, such as payment processing companies, acquirers, bank partners, payment system operators to process your transactions.

• In response to a valid legal request from government, regulatory authorities, law enforcement agencies and courts.

• Professional advisors such as law firms to enforce or apply any contract with you or including subpoenas, court orders, legal process, and our auditors in connection with our audit requirements.

• Service providers and partners to carry out due diligence identity verification, transactions monitoring, fraud-screening and for the purposes of detecting, preventing or otherwise addressing fraud, security or technical issues, protecting against harm to the rights, property or safety of our users or the public, or as necessary to serve our legitimate business interests.

• In order to improve our business services, we may share your personal information, as well as non-personally identifiable information, with our advertising and analytics providers and with related service providers.

• We may share your personal data with any subsidiaries, joint ventures, or other companies under common control. If another company acquires our company, business, or our assets, that company will possess the personal data collected by us and will assume the rights and obligations regarding your personal data as described in this Privacy Policy.

• For more information about the third parties with whom we share your personal data, you may, where appropriate, wish to refer to the agreement(s) and/or terms and conditions that govern our relationship with you. You may also contact us for more information (please see the “How to contact us” section below).

How can we keep your personal information secure?

The data you provide to us will be stored at our office or servers of our agents in Singapore and accessible by authorised employees and contractors and those to whom we give access.

We will take reasonable steps to protect your personal information, but cannot guarantee the security of the data you disclose online due to the inherent security risks of providing information over the Internet. We give no warranty against third parties hacking into the data or any unauthorised access to the data by anyone.

How long will we keep your personal information?

Your personal data is retained as long as the purpose or which it was collected remains and until it is no longer necessary for any other legal or business purposes.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

How do you access your personal information held by us?

Subject to and in accordance with applicable data protection laws, you may access certain personal data held by us about you and correct any inaccuracies. iPayLinks may charge a fee for processing your request for access. Such a fee depends on the nature and complexity of your access request. Information on any processing fees will be made available to you.

Please refer to the section on “How to contact us” which can be found below for more information on how you may request access or correction to, or exercise your rights with respect to the processing of your personal data.

Your Consent

Your use of iPayLinks means that you accept this Privacy Policy. You agree that the personal information given by you and collected by us from time to time may be used and disclosed for the foregoing purposes, and to such persons as may be appropriate in accordance with this Privacy Policy.

We expressly reserve the right to make changes to this Privacy Policy from time to time at our discretion without prior or separate notification. Any changes will be posted to our Website. Your continued use indicates your agreement to those changes.

How to contact us?

If you have any questions or concerns about our use of your personal information, please contact us by email at singapore@ipaylinks.com, or by post at 36 Robinson Road, #03-134 City House, Singapore 068877.

Last Updated: February 2022

Privacy Policy (For users from other countries/regions)

Your privacy is important to us. To better protect your privacy, iPayLinks Limited (“iPayLinks”, “we”, “us”, “our”) developed this Privacy Policy to demonstrate our firm commitment to protecting your privacy.

This privacy policy has been developed in accordance with the Personal Data (Privacy) Ordinance (Chapter 486) of the Laws of the Hong Kong Special Administrative Region (“Ordinance”), and applies to all visitors of our Website and Apps and users of our products and services, except for visitors and users subject to laws of the European region, UK, Singapore or China (excluding Hong Kong, Macau or Taiwan Region). If you are subject to laws in the European region , UK, Singapore or China (excluding Hong Kong, Macau or Taiwan Region), please read our privacy policy for EEA, UK, Singapore or China (excluding Hong Kong, Macau or Taiwan Region) users.

It may be necessary for us to gather information on you for a specific purpose. We will always inform you when we are collecting such information. It is our intention to respect your request for privacy, and we try our best to provide you with communication channels to facilitate this. Once all gathered information has been used for the intended purpose, it is destroyed or de-identified.

The following discloses our information gathering methods and dissemination practices for our Website and Apps. iPayLinks is not responsible for the privacy practices of other linked sites.

When do we collect personal information?

When you visit our website: www.ipaylinks.com (“Website”) or mobile applications or APIs (collectively, the “Apps”), our server software records the domain name of your computer or device. We may also track the pages you visit. We do these things so that we can measure traffic, gauge the popularity of various parts of the Website and Apps, gain some general knowledge about our audience and compile aggregated statistics. We may also use cookies to collect information on how you use our Website and Apps. If you refuse cookies, certain features of our Website and Apps may not be available to you. For further information, please refer to our Cookies Policy.

If you wish to register for our products and services, we will from time to time collect your personal information specifically for the purpose of assessing your applications to use (or continual usage of) services or products offered by us. If you provide incomplete or incorrect personal information, we may not be able to provide or continue to provide our products and services to you.

What types of personal information do we collect?

Depending on the types and nature of the products and services you use (or continue to use), you may be requested to provide iPayLinks with personal information. This includes:

(k) personal particulars (e.g. name, email address, telephone number, country of residence, residential address, date of birth and/or identity card/passport details);

(l) voice recordings of our conversations with you;

(m) employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/or benefits);

(n) tax information;

(o) banking information (e.g. account numbers and banking transactions);

(p) background checks information (e.g. credit history);

(q) information you provide to us when you contact our support team to help us answer your queries. We also gather information about any suggestions or complaints you make in order to help address your queries and improve the products and services we offer you;

(r) information obtained from mobile device with your consent (e.g. device location and information);

(s) your email and marketing preferences including interests and market list assignments, marketing objections, preferred language, Website and Apps data; and

(t) your device data and log information through the use of technologies cookies and web beacons and advertising IDs (more information about use of cookies can be found in our Cookies Policy) including IP addresses, device ID and type, and details about your use of our Website and Apps, browsing history, search queries, browser type, session frequency, geolocation information, wireless and mobile network connection information.

How do we collect personal information?

Your personal information is collected by us either directly (for example, when you use our Website and Apps, register for our products or services, enter into our promotional events or competitions, download our applications, or when you interact with us by contacting us for enquiries or providing feedback). You are under no obligation to provide the personal information when we seek to directly collect it from you. However, if you do not provide us with certain information marked as mandatory or with an asterisk on the relevant forms, we may not be able to process your submission, provide you with our services or respond to your enquiries.

For what purposes are personal information collected and used?

We may use your personal information for our core business purposes, such as:

(j) create customer profiles, maintain customer records and to communicate with you (including providing you with updates on changes to products and services), fulfil your requests and respond to your queries or feedback, addressing or investigating any complaints, claims or disputes;

(k) send you important notices or personalised messages in relation to your use of our products and services;

(l) administer the operation of our Website and Apps, to allow you to use the services and functions of our Website, to conduct website maintenance, to troubleshoot problems, and to continually improve your Website experience and provide you with services and products in accordance with the terms and conditions that govern our relationship with you;

(m) to identify and send you marketing materials, news and information which we think will be of interest to you such as our latest promotional offers and upcoming products and services;

(n) conducting screening, due diligence checks and verify your identity for the purposes of providing our products or services as may be required under applicable laws, regulations or directives;

(o) detect, investigate and prevent fraud and other illegal activities;

(p) use your personal information for purposes associated with our legal or regulatory rights and obligations, including financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes and for the purposes of seeking professional advice, including legal advice; and

(q) keep internal records, decision making and facilitate internal purposes such as data analysis, and research to improve our products and services, service security and quality, and to maintain opt-in and opt-out lists.

When will we use personal information for direct marketing purposes?

Where you have given your explicit consent and have not subsequently opted out, we may use your personal data, including your contact information and demographic information to send marketing and promotional purposes to you. For example, we may use your personal data to offer you products or services, including special offers, promotions or entitlements that may be of interest to you or for which you may be eligible. Such marketing messages may be sent to you in various modes including but not limited to electronic mail, direct mailers, short message service, telephone calls, facsimile and other mobile messaging services. You may at any time request that we stop contacting you for marketing purposes via selected or all modes.

To find out more on how you can change the way we use your personal data for marketing purposes, please contact us (please see the “How to contact us” section below).

Who do we share your personal information with?

Your personal information may be shared with our affiliated companies in providing our products and services to you. We may also disclose your personal information to the following third parties for the purposes described here:

• Service providers and partners we engage in order to provide our products and services to you, such as payment processing companies, acquirers, bank partners, payment system operators to process your transactions.

• In response to a valid legal request from government, regulatory authorities, law enforcement agencies and courts.

• Professional advisors such as law firms to enforce or apply any contract with you or including subpoenas, court orders, legal process, and our auditors in connection with our audit requirements.

• Service providers and partners to carry out due diligence identity verification, transactions monitoring, fraud-screening and for the purposes of detecting, preventing or otherwise addressing fraud, security or technical issues, protecting against harm to the rights, property or safety of our users or the public, or as necessary to serve our legitimate business interests.

• In order to improve our business services, we may share your personal information, as well as non-personally identifiable information, with our advertising and analytics providers and with related service providers.

• We may share your personal data with any subsidiaries, joint ventures, or other companies under common control. If another company acquires our company, business, or our assets, that company will possess the personal data collected by us and will assume the rights and obligations regarding your personal data as described in this Privacy Policy.

For more information about the third parties with whom we share your personal data, you may, where appropriate, wish to refer to the agreement(s) and/or terms and conditions that govern our relationship with you. You may also contact us for more information (please see the “How to contact us” section below).

How can we keep your personal information secure?

The data you provide to us will be stored at our office or servers of our agents in Hong Kong and the People’s Republic of China accessible only to our authorised employees and contractors and those to whom we give access.

We will take reasonable steps to protect your personal information, but cannot guarantee the security of the data you disclose online due to the inherent security risks of providing information over the Internet. We give no warranty against third parties hacking into the data or any unauthorised access to the data by anyone.

How long will we keep your personal information?

Your personal data is retained as long as the purpose for which it was collected remains and until it is no longer necessary for any other legal or business purposes.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

How do you access your personal information held by us?

Subject to and in accordance with applicable data protection laws, you may access certain personal data held by us about you and correct any inaccuracies. iPayLinks may charge a fee for processing your request for access. Such a fee depends on the nature and complexity of your access request. Information on any processing fees will be made available to you.

Please contact us (please see the “How to contact us” section below) for details on how you may request access or correction to, or exercise your rights with respect to the processing of your personal data.

Your Consent

Your use of iPayLinks means that you accept this Privacy Policy. You agree that the personal information given by you and collected by us from time to time may be used and disclosed for the foregoing purposes, and to such persons as may be appropriate in accordance with this Privacy Policy.

We expressly reserve the right to make changes to this Privacy Policy from time to time at our discretion without prior or separate notification. Any changes will be posted to our Website. Your continued use indicates your agreement to those changes.

How to contact us?

If you have any questions or concerns about our use of your personal information, please contact us by email at data-protection@ipaylinks.com, or by post at Unit 1119, 11/F, ADMIRALTY CENTRE TOWER 2, 18 HARCOURT ROAD, ADMIRALTY, HONG KONG.