PAYDAQ - Money Transfer
PAYDAQ Privacy Policy
1. Introduction
This Privacy Policy took effect on May 18, 2006.
We at PAYDAQ respect your right to privacy and comply with our obligations under the Data Protection Acts 1988 & 2003 (“The Acts”) and Statutory Instrument Number 535 of 2003 European Communities (Electronic Communications Networks and Services)(Data Protection and Privacy) Regulations 2003 (“SI 535/2003”). The purpose of this Website Privacy Policy is to outline how we deal with any personal data you provide to us while visiting www.paydaq.com. By visiting this website, you are accepting the terms of this Website Privacy Policy. If you are not satisfied with the terms of this website Privacy Policy you should not use this website. Any external links to other websites are clearly identifiable as such, and we are not responsible for the content or the privacy policies of these other websites.
2. Types of Information Collected
We retain two types of information:
"Personal Data"
This is data that identifies you or can be used to identify or contact you and may include your name, address, email address, bank account information, user IP addresses in circumstances where they have not been deleted, clipped or anonymised, telephone number, birth date and credit card information. Such information is only collected from you if you voluntarily submit it to us.
"Non-Personal Data"
Like most websites, we gather statistical and other analytical information collected on an aggregate basis of all visitors to our website. This Non-Personal Data comprises information that cannot be used to identify or contact you, such as demographic information regarding, for example, user IP addresses where they have been clipped or anonymised, browser types and other anonymous statistical data involving the use of our website.
3. Purposes for which we hold your Information
Non-Personal Data
We use the Non-Personal Data gathered from visitors to our website in an aggregate form to get a better understanding of where our visitors come from and to help us better design and organise our website.
Cookies:
This website uses "cookie" technology. A cookie is a little piece of text stored by the browser on your computer, at the request of our server. We may use cookies to deliver content specific to your interests and to save your personal preferences so you do not have to re-enter them each time you connect to our website - our cookies are not available to other websites. Our cookies will record the following: user preferences, passwords, browsers used to access our site. You are always free to decline our cookies, if your browser permits, or to ask your browser to indicate when a cookie is being sent. You can also delete cookie files from your computer at your discretion. Note that if you decline our cookies or ask for notification each time a cookie is being sent, this may affect your ease of use of this website.
Personal Data:
We will process any Personal Data you provide to us for the following purposes:
(a) to provide you with the financial services you have registered for;
(b) to contact you if required in connection with your registration or to respond to any communications you might send to us;
(c) to verify your identify against credit card information supplied by you;
(d) to monitor transactions for suspicious activity in accordance with FATF, Criminal Justice Act, 1994, Criminal Justice (Terrorist Offences) Act, 2005 and EU Directive (91/308/EEC).
4. Disclosure of Information to Third Parties.
We may provide Non-Personal Data to third parties, where such information is combined with similar information of other users of our website. For example, we might inform third parties regarding the number of unique users who visit our website, the demographic breakdown of our community users of our website, or the activities that visitors to our website engage in while on our website. The third parties to whom we may provide this information may include potential or actual advertisers, providers of advertising services (including website tracking services), commercial partners, sponsors, licensees, researchers and other similar parties. We will not disclose your Personal Data to third parties unless you have consented to this disclosure. However, we will disclose your Personal Data if we believe in good faith that we are required to disclose it in order to comply with any applicable law, a summons, a search warrant, a court or regulatory order, or other statutory requirement.
5. Sale of Business
We reserve the right to transfer information (including your Personal Data) to a third party in the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of our company provided that the third party agrees to adhere to the terms of the Website Privacy Policy and provided that the third party only uses your Personal Data for the purposes that you provided it to us. You will be notified in the event of any such transfer and you will be afforded an opportunity to opt-out.
6. Security
Your Personal Data is held on secure servers hosted by our Internet Service Provider. PAYDAQ secures you account information from unauthorised access, use or disclosure. You must enter your email and password each time you want to access your account information or initiate transactions. Never share your account information with anyone. If you feel your password has been compromised, you can change it anytime, once you are logged on to PAYDAQ. You account login, personal details and all transactions are secure using Secure Socket Layer (SSL) technology with high security encryption, certified by verisign.
7. Updating, Verifying and Deleting Personal Data
Under section 6 of the Acts, you may inform us of any changes in your Personal Data, and in accordance with our obligations under The Data Protection Acts 1988 & 2003 (“The Acts”) and Statutory Instrument Number 535 of 2003 European Communities (Electronic Communications Networks and Services)(Data Protection and Privacy) Regulations 2003 (“SI 535/2003”) we will update or delete your Personal Data accordingly. Under section 4 of the Acts, you have the right to know what Personal Data we hold on you or to have your Personal Data updated, amended or removed from our database, please email us at privacy@paydaq.com. Any such data requests (
Access Requests) will be subject to the prescribed fee €6.35 and we must reply within 40 calendar days. All transaction information will be held for 5 years or if account is closed, 5 years from date of closure.
8. Changes to the Website Privacy Policy
Any changes to this Website Privacy Policy will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any time we decide to use Personal Data in a manner significantly different from that stated in this Website Privacy Policy, or otherwise disclosed to you at the time it was collected, we will notify you by email, and you will have a choice as to whether or not we use your information in the new manner.
9. Contact Information
If you have any questions regarding our privacy policy, please contact PAYDAQ Customer Service at:
Email: privacy@paydaq.com
Tel: +3531 4877 800
PAYDAQ Ltd
Docklands Innovation Park,
128-130 East Wall Road,
Dublin 3.
Ireland.