Privacy Terms

INTRODUCTION

 

This Privacy Notice sets out the basis on which any Personal Information Cosmic Payment Solutions LLP (“the company”) collects, uses, shares and otherwise processes. Please read the following carefully to understand the company’s views and practices regarding Personal Information and how the company will treat it. By accessing and using the company services, including the company’s interactions with you via our websites, mobile sites and applications (“Sites”), you agree to the transfer, storing and processing of Personal Information as set out in this Privacy Notice.

 

Definitions

 

“Card”  When the company uses the word ‘card’ in this notice, it applies to all payment methods and types and not simply those involving a physical card; and use of the term ‘cardholder’ applies to any shopper or individual whose payment transactions may be processed.

The company” or “the company” means Cosmic Payment Solutions LLP and any of its subsidiaries or affiliates.

The company Services” means the products and services which are being offered by the company.

Personal Information or Personal Data” for purposes of this Policy means to any information relating to an identified or identifiable individual.

 

You are important

 

At the company our most important asset is you and your trust. In this Privacy Notice we will cover what and how we collect, use, disclose, transfer, and store your information.

We want to assure you that the company is committed to maintaining the confidentiality, integrity and security of any Personal Information about our users. This Privacy Notice will explain to you what and how we collect, use, disclose, transfer, and store your non-personal and Personal Information, if any, shared through our website www.cosmicpayments.com (the ” Sites”) or in connection with our Services.

It is not mandatory for you to provide the Personal Information that we have requested, but, if you choose not to do so, unfortunately, we may not be able to provide you with our Services or respond to any queries you may have.

 

What kind of Personal Information do we collect?

 

The company may collect Personal Information relating to cardholders, merchants or other customers, suppliers and other business partners in order to carry out its business activities.

 

The company may collect Personal Information from various sources, including:

  • Information you voluntarily provide, either directly or via our customers
  • Information automatically collected when you use our Sites and Services, including in our role as a payment processor and solutions provider
  • Information collected by cookies and other tracking technologies when you use our Sites

 

This Personal Information may include:
Contact information, Demographic information, Identification information, Payment transaction information, Financial and credit card information, Technical information, Social media posts, Applications (including job applications)

 

 

Non-Personal Information

 

We may also collect information in a form that does not, on its own, permit direct association with any specific individual such as occupation, language, area code, location, time zone, etc. We may collect, use, transfer, and disclose non-personal information for any purpose. This information is aggregated and used to help us provide more useful information to our customers and to understand which portions of Services are of most interest. This aggregated data is considered non personal information for the purposes of this Privacy Notice.

 

How do we use your Personal Information?

 

The company uses Personal Information internally in relation to:

 

  • Conduct its Operations, Risk Management, Transaction Processing, Marketing, development of existing and new Products and for Legal, compliance, regulatory or law enforcement purposes.
  • Online Session Information and Use is Collected to Improve Your Experience

 

We may also collect technical and navigational related Personal Information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This Personal Information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our design and functionality of the company Sites and the Services.

 

We Use Cookies and other technologies to improve your Experience

 

We may use cookies and similar technologies to help us better understand user behavior, tell us which parts of the company Sites people have visited, and facilitate and measure the effectiveness of offer and Services and improve them. We treat the information received from cookies and other technologies as non-personal information.

You will have the option to disable cookies. If you choose to do so, unfortunately, certain features of the the company website and the Services may not be available once cookies are disabled.

Some web browsers may send out ‘do not track’ signals. There is no industry standard currently in place as to what websites and other online services should do upon receipt of such signals. Should such a standard be developed, the company will re-visit its notice, but currently takes no action upon receipt of such signals.

The company may offer certain features that are only available through the use of tracking technologies. Temporary cookies are used to enable you to navigate our site and use its features. These are deleted when you close your browser. IP addresses are used in conjunction with cookies for the purpose of “remembering” computers or other devices used to access our Sites.

Analytical or performance cookies collect anonymous information about how visitors use our websites. They allow us to analyse information such as the count of visitors to our websites, what search terms our visitors are using, what pages are viewed, and the last page visited. This information is based on the visitor’s IP address, and we cannot view individual activity tied to a single person.

To the extent that Internet Protocol (IP) addresses (or similar identifiers) are clearly defined to be Personal Information under any local law and where such local law is applicable to the company Services, the company will manage such identifiers as Personal Information.

The company Sites may also contain links to and from third party websites, including those of partner networks, advertisers and affiliates. Please note that these websites may have their own privacy notices and cookies policies, and the company does not accept any responsibility or liability for these third party websites. The inclusion of links to third party websites in no way constitutes an endorsement by us of such websites’ content, actions, or policies.

 

How We Use Anonymized Data: Peer Comparisons, Research & Development

 

The company may make anonymous or aggregate Personal Information and disclose such data only in a non-personally identifiable manner to:

  • advertising, measurement or analytics partners approved by the company that conduct research into consumer spending
  • deliver products and services to other clients
  • Users of the Service for purposes of comparison of their financial situation relative to the broader community.

 

With whom does the company share Personal Information and for what purposes?

 

Before we share Personal Information, we ensure there are adequate safeguards in place to protect the processing of that data. the company does not disclose information that could identify you personally to anyone, except as described in this notice, including, but not limited to:

  • Any the company group company
  • Any group company (such as advisers, share plan, payroll and other third party administrators, agents or contractors working on behalf of the company)
  • Financial institution clients
  • Service providers and other third parties under contract who help with our business operations (including, but not limited to, fraud investigations, site analytics and operations)
  • Regulatory, legal and judicial authorities
  • Social media sites integrated into web services that we offer
  • Governmental or quasi-governmental organizations
  • Potential purchasers of the company

 

The company may disclose Personal Information to third parties for the following purposes:

  • Legal or regulatory purposes
  • Business purposes
  • Suppliers who assist the company with the provision of its Services

 

By using our the company Sites and Services, you are permitting the company (or its authorized service providers) to process, store and transfer Personal Information at its servers

 

 

We Are Committed To Keeping Your Personal Information Secure

 

The security of your Personal Information is important to us. As discussed below, we utilize physical, electronic and procedural security measures to protect against loss, misuse, and alteration of Personal Information under our control. However, no method of transmission over the Internet, or method of electronic storage, is completely secure. Therefore, we cannot guarantee its absolute security. Any transmission is at your own risk.

Any partners we work with have been selected in accordance with our security policies and practices and are bound by confidentiality obligations. They may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

We may also use third party vendors or service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. We require such third parties to maintain the confidentiality of the Personal Information we provide to them.

 

Changes and updates to the privacy notice

 

The company may, from time to time, make changes to this Privacy Notice. If any material changes are made as to how the company treat Personal Information, you will be notified through this notice on the company’s Sites.

The date the Privacy Notice was last modified is at the bottom of the page. You are responsible for ensuring you periodically visit our Sites to check for any changes. By continuing to use the company Services or the Sites, you agree to the changes in this Privacy Notice.

This notice is global in scope, but is not intended to override any legal rights in any territory where such rights prevail. In such event, the rights and obligations set out in this Privacy Notice will apply, subject only to amendment under any applicable local law having precedence.

If you have questions, comments, concerns or feedback regarding this Privacy Notice or any other privacy concern, contact us at contactus@cosmicpayments.com while clearly marking “Reference to Privacy Notice” in the subject