PAYBYMOBILE PRIVACY POLICY
Overview
By using payByMobile or registering, you expressly consent to our use and disclosure of your personal data in the manner described in this Privacy Policy. If you have any requests concerning your personal data or any queries with regard to these practices, please contact us via email at privacy@paybymobile.net.
Data Protection
Any information you provide to us will be processed in accordance with the Data Protection Act of 1998 and other privacy related legislation of the United Kingdom.
A Special Note About Children
If you are under 16 years of age and do not understand the information set out in this Privacy Policy, please ask a responsible adult to explain it to you before you give us your details.
Collection of Personal Information
For certain high value transactions, we may be required to report personal information to the relevant authorities. For verification purposes we reserve the right to request proof of your identity and proof of address. When using our services, your IP address and login times are recorded and stored for purposes of preventing fraud and enhancing the security of our services. We may also collect usage and access data that allows us to prevent multiple account openings or other fraudulent behaviour or to protect our systems against illegal attacks or abuse. Strictly for this purpose, we may share such data with specialized and trustworthy fraud management services that help us analyse the data. We may also use cookies. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. Information collected and stored through cookies may be matched against the personal data we hold on our systems. Depending on the information you have provided us, your current verification status and the type of transaction you wish to undertake, we may collect further information from banks, identity verification services and credit reference agencies. See the section on “Use of Personal Information” for further details.
Use of Personal Information
We use your personal information to operate your payByMobile Account and to provide our services. We also share certain information as with banks or identity verification services and credit reference agencies as part of our normal business operations. The purpose for sharing this data is to identify and verify users and to limit our exposure to fraud and other criminal activities and to manage our financial risk. When conducting identification or fraud prevention checks, the service provider may retain a record of our query along with your information. By using our services you expressly agree to the sharing of your personal data for these purposes. Furthermore, when sending money to another payByMobile Account holder we will, at a minimum, pass on your phone number to the recipient. We may also send other personal details such as your name, to recipients of any payments you make. Your personal data may be shared with entities outside the European Economic Area (“EEA”) if this is necessary for providing you with the services requested by you, for example if you transfer funds to a merchant that is not located in the EEA. You expressly consent to the sharing of your data in this way. If you have been referred to us by a third party and that third party is entitled to a commission payment based on transaction volumes, numbers or types of transactions, we may share personal data, including transactional information, with that third party in order to reconcile commission payments. Where personal data is collected by or through a third party such as a merchant, promotion website or payByMobile partner website, the collection and use of your personal data may also be governed by the privacy policy of the third party.
Control of Personal Information
If your personal details (such as your name or address) change you must immediately update your details in the “My Details” section of your my.payByMobile Account or by contacting Customer Service. payByMobile shall not be liable for any loss arising out of your failure to keep your personal details up to date. Your address can only be changed once in any 3 month period. In order to deactivate your Account you will need to contact Customer Service. We are by law required to retain certain records for a period of at least five years after closure of your Account.
Communication
All communication via email will be sent to the email address which you registered via text or at my.paybymobile.net which you can change at any time. You may also receive system-generated transactional emails and or text messages such as confirmation of top-ups, notification of receipt of payments, notification of password changes etc. Users will occasionally receive information on products, services and special deals via newsletter, unless a user has chosen not to receive such communication. You can change your choice whether or not to receive our newsletters in the “My Details” section of your my.paybymobile.net or in any newsletter email by clicking on the appropriate link. Please note that you will still receive communication regarding your Account such as transactional emails or other notification affecting the operation of your Account or our legal relationship.
Links
This website contains links to third party websites. Please be aware that payByMobile is not responsible for the privacy practices of these third party websites. We encourage users to read the privacy statements of each website they visit by clicking a link on their website. This privacy statement applies solely to the payByMobile website and the payByMobile services.
Security
payByMobile protects your personal data against unauthorised access, use or disclosure. Once logged into your Account, all internet communication is secured using Secure Socket Layer (SSL) technology with high-grade encryption, certified by the Godaddy Secure Certification Authority. However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time you like once you are logged on, however you should immediately contact Customer Services and tell us why you think your login details have been compromised. Please read our Terms and Conditions for further information on how to keep your payByMobile account safe.
Notification of Changes
Changes to this privacy statement are posted on our website. If we are going to use your personal data in a manner different to the uses stated at the time of collection we will also notify you via email. You may object to any new use of your personal data by contacting Customer Service, however, we will treat such an objection as a notice to terminate your payByMobile account.
Contact Information
If you have any questions or suggestions regarding our privacy policy, please contact us at:
Email: privacy@paybymobile.net
Telephone:+35314806297
Fax:+35314885801
Postal Address: Data Protection Officer, payByMobile Ltd, Richmond Bridge House, 419 Richmond Road, Twickenham, TW1 2EX.
Last Updated: February 13th 2012