Privacy Policy - CuminPay

Privacy Policy

This Privacy Policy is an overview of how we collect, use, and process your personal data when you use our website (hereinafter: http://cuminpay.com/ “Website”), our web application (hereinafter: “Web App”) and our mobile app (hereinafter: “App”; jointly called: “Services”).

We take privacy and protection of your data very seriously and are committed to handling the personal information of those we engage with, whether customers, suppliers, or colleagues responsibly and in a way that meets the legal requirements of the countries in which we operate.

Please read this Policy carefully, as it becomes legally binding when you use our Services

1.0 Data we collect from you

We will collect and process the following data about you:

1. Information you give us.

1.1 You may give us information about you when you sign up to use our service, e.g. when you provide us with personal details like your name and email address. This also includes information you provide through your continued use of our Services, your participation in discussion boards or other social media functions on our Website or App, through entering a competition, promotion or survey, and by reporting problems with our Services. The information you give us may include your name, address, email address, phone number, and geographical location.

1.2 In some cases, such as when you send or receive high-value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you.

1.3 In providing the personal data of any individual (other than yourself) that receive payments from you during your use of our Services, you promise that you have obtained consent from such individual to disclose his/her personal data to us, as well his/her consent to our collection, use and disclosure of such personal data, for the purposes set out in this Privacy Policy.

2. Information we collect about you. Concerning your use of our Services, we may automatically collect the following information:

2.1 details of the transactions you carry out when using our Services, including geographic location from which the transaction originates;

2.2 technical information, including the Internet protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;

2.3 information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through, and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer support number.

3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them.

Example:

3.1 the banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details;

3.2 business partners may provide us with your name and address, as well as financial information, such as card payment information;

3.3 advertising networks, analytics providers, and search information providers may provide us with pseudonymized information about you, such as confirming how you found our website;

3.4 Information from social media networks. If you log in to our Services using your social media account (for example, Facebook or Google) we will receive relevant information that is necessary to enable our Services and authenticate you. The social media network will provide us with access to certain information that you have provided to them, including your name, profile image, and email address. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social media account so that you can send a referral link to your family and friends. We will use, disclose and store all of this information in accordance with this privacy policy

4.0 Sensitive Data

We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data. Such processing of biometric data (including monitoring the way you log in and interact with our website) allows us to validate your identity and to support the detection of fraudulent or suspicious attempts to access your Account.

5.0 Children's Data

Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents CaribPay from collecting this data. If any data is collected from a child without verification of parental consent, it will be deleted.

6.0 Disclosure of your information

We may share your information with selected third parties including:

6.1 affiliates, business partners, suppliers, and subcontractors for the performance and execution of any contract we enter into with them or you;

6.2 advertisers and advertising networks solely to select and serve relevant adverts to you and others with your consent;

6.3 analytics and search engine providers that assist us in the improvement and optimization of our site; and

6.4 our group entities or subsidiaries

6.5 if we are under a duty to disclose or share your personal data to comply with any legal obligation, or to enforce or apply our Customer Agreement and other applicable agreements; or to protect the rights, property, or safety of CaribPay, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection;

6.6 to assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;

6.7 to prevent and detect fraud or crime;

6.8 in response to a subpoena, warrant, court order, or as otherwise required by law;

6.9 to develop customer relationships, services, and systems.

We do not have a list of all third parties we share your data with, as this would be dependent on your specific use of our Services. However, if you would like further information about who we have shared your data with, or to be provided with a list specific to you, you can request this by writing to [email protected].

7.0 Rights

You have the right to request access to your data, rectification, and data portability. Please contact us if you want to exercise these rights.

You may have the right to revoke consent to the use of your information for target marketing. Revocation of your consent may affect our ability to provide services to you. If you want to exercise any of your rights, contact us. If you wish to complete a request for access to all personal data CaribPay holds about you, remember that you may be required to prove your identity.

If you have an Account, you will generally be able to review and edit Personal Data in the Account by accessing the account and updating the information directly. You can also contact us if you do not have an Account or if you have questions about Account information or other Personal Data.

8.0 Changes to our Privacy Policy

To keep up with changing legislation, practices, and changes in how we process personal information, we may revise this Privacy Policy at any time without notice by posting a revised version on this website. To stay up to date on any changes, check back periodically.