Privacy

INTRODUCTION

This notice applies to Imillion Limited (“Imillion”, “ we”, “us” or “our”) and its and its group companies (“Imillion Group”). Imillion is committed to protecting your privacy and will take all appropriate steps to ensure that your personal information is treated securely and will be collected, used, stored and disclosed in accordance with this notice.

References to “you” in this notice are to the individual who is accessing or applying to use the Imillion Services (as defined below) either on your own account or on behalf of a business. This includes, in relation to a customer or prospective customer of Imillion, any sole trader and any principals, including the managing and financial directors, any other directors and officers, shareholders, partners and beneficial owners of a customer, as well as any member of staff accessing or using the Imillion Services on behalf of a customer.

This notice (together with our terms of use applying to any specific services you may purchase or use) applies:

Together these are all referred to in this notice as “ Imillion Services”.

Please read this notice carefully to understand our policies and practices regarding your personal information and how we will treat it. Contact Us details are provided at the end of the notice for feedback or any privacy enquiries you may have.

INFORMATION WE MAY COLLECT FROM YOU

Personal and non-personal information

We collect and process personal and non-personal information relating to you.

Personal information is information that can be used to uniquely identify a single person, either directly or indirectly.

Imillion also collects non-personal information, or may anonymise personal information in order to make it non-personal. Non-personal information is information that does not enable a specific individual to be identified, either directly or indirectly. Imillion may collect, create, store, use, and disclose such non-personal information for any reasonable business purpose. For example, Imillion may use aggregated transactional information for commercial purposes, such as trend analysis and the use of data analytics to obtain learnings and insight around payment transaction patterns and usage.

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 Imillion Services, we will manage such identifiers as personal information.

Please note that Imillion provides services to both individual consumers and businesses and this privacy notice applies to both and should be read and interpreted accordingly.

Collecting your information

We collect the following information through the following means:

Information you give us: we receive and store any personal information (including financial information) you provide to us including when you (or your business) enquire for or make an application for the Imillion Services; register to use and/or use any Imillion Services; upload and/or store information with us using the Imillion Services; and when you communicate with us through email, SMS, a website or portal, or the telephone or other electronic means. Such information may reference or relate to you or your customers’ and includes:

Information we collect about you automatically: Imillion receives and stores certain information automatically whenever you interact with Imillion; for example by way of “cookies” or similar technology. We also obtain certain information when your web browser accesses Imillion Services or advertisements and other content provided by or on behalf of Imillion on other web sites, or when clicking on emails. Collecting this information enables us to better understand the visitors and customers who use and interact with Imillion, where they come from, and how they use our services. We use this information for our analytics purposes and to improve the quality and relevance of our services for our visitors and customers. This information includes:

Please also refer to our Cookie Policy for more information. Otherwise, please contact us .

Information collected through our applications: if you download or use mobile or desk top applications provided by Imillion, we may receive information about your location and your device or the service you are using (including where a payment transaction takes place). Some devices allow applications to access real-time location-based information (for example GPS). Our mobile and desktop apps may collect such information from your mobile device or your computer at any time while you download or use our apps, if your device has real-time location data access enabled. Where required, we will always seek to notify you if it is our intent to collect real-time location information and, also where required by law, obtain your consent. We may use such information for regulatory purposes, our own due diligence checks, to better understand transaction patterns and to optimise your experience.

Email and Other Communications: we may receive information about you and your use of Imillion Services when we communicate with each other, including when you open messages from us and from the use of electronic identifiers (sometimes known as “device fingerprints”), for example, Internet Protocol addresses or telephone numbers.

Information from Other Sources: we may receive information about you from other sources and add it to our account information. For example, we work closely with, and receive information from, third parties like business partners, financial institutions, merchants, subcontractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference and fraud prevention agencies. Credit reference and fraud prevention agency use is further explained below. We may also review public comments and opinions made on social networking sites (e.g. Facebook and Twitter) to better understand our customers and our provision and development of Imillion Services.

Information about other people: if you give us information about other people, you must have informed them in advance (for example, by giving them this privacy notice) and must ensure you have the right to do so.

We may use and share the personal information we collect for the following purposes:

If you provide information to be published or displayed on public areas of the website/portal or transmitted to other users of the website/portal or third parties, you understand that such information can be used by any third parties accessing the information for any purposes. This information is posted by you at your own risk and you must comply with the terms of use of such site.

DISCLOSURE OF YOUR INFORMATION

We do not disclose information which could identify you personally, to anyone except as described in this notice and for the purposes described in this notice, including:

Except as necessary for the performance of its services and as described above, Imillion does not sell, rent, share or otherwise disclose personal information about its customers to third parties for commercial purposes.

MONITORING

We may monitor or record telephone calls, emails, web chat or other communications with you for regulatory, security, quality assurance or training purposes. When visiting our offices, CCTV, access control systems and/or other monitoring systems may be in operation for security reasons and for health and safety management purposes.

WHERE WE STORE YOUR PERSONAL INFORMATION

We, our service providers, and other parties with whom we may share your personal information (as described above) may process your personal information in territories that are outside the European Economic Area (“EEA”) or otherwise outside of the territory in which you reside. It may also be processed by staff operating outside the EEA or the territory in which they were collected who work for us or one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of orders, the processing of payment details and support services in provision of the Imillion Services. These countries may have data protection standards that are different to (and, in some cases, lower than) those in which you reside.

In these circumstances, we will take appropriate steps to protect your personal information in accordance with this privacy notice and applicable data protection laws; including through the use of any appropriate safeguards required by law to ensure that any international data transfers are lawful. Imillion generally uses “ Model Clauses ” as approved by the European Commission when contracting with third party data recipients outside the EEA who are receiving data from within the EEA for the purpose of processing personal information transferred outside the EEA. Occasionally, when the recipient is located in the United States, we may use the Privacy Shield with companies that have joined that scheme.

HOW WE KEEP YOUR PERSONAL INFORMATION SECURE

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure.

The safety and security of your information is also dependent upon you. If we have given you (or if you have chosen) a password or access code for access to certain parts of our website/portal or mobile applications and similar, you are responsible for keeping this password and/or access code confidential. You must not share your password and/or access code with anyone. You must ensure that there is no unauthorized use of your password and access code. Imillion will act upon instructions and information received from any person that enters your user id and password and you understand that you are fully responsible for all use and any actions that may take place during the use of your account. You must promptly notify Imillion of any information you have provided to us which has changed.

The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted to our site, unless you are communicating with us through a secure channel that we have provided. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

HOW LONG WE RETAIN YOUR PERSONAL INFORMATION

The periods for which we retain your personal information are determined based on the nature and type of information, the Imillion Service and the country in which they are provided as well as any applicable local legal or regulatory requirements. In general, once no longer needed, your information will be deleted, or we may anonymise or aggregate it with other information to make it non-personal.

If you use the Imillion Services, we will retain your personal information as long as necessary to provide you with the services of your choice. That would generally mean we retain your personal information as long as you are our customer and for a period of time afterwards.

When our relationship with you ends, we still need to retain certain of your personal information for a time that depends on the legal and regulatory requirements of the country where you are located. For example, we will retain your information for the time allowed by the local laws to start a legal claim (so called “statute of limitation”), or for as long as we are ordered pursuant to on an order from the courts, or by law enforcement agencies or our regulators.

We can also continue sending you direct marketing, subject with local laws and where you have not objected to such marketing.

YOUR DATA PROTECTION RIGHTS

You have many rights that you can exercise in relation to your personal information. If you wish you can access, correct, or update your personal information. In certain circumstances, you can also ask us to delete your personal information, object to its processing or temporarily restrict its processing while exercising your other rights. In addition, you can request to transfer certain of your personal information to another service provider (so called, data portability).

When you give us consent to use your personal information, you can withdraw it any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. For example, you can stop any marketing communication we send you by clicking on the “unsubscribe” or “opt-out” link in the communications you receive, or according to the instructions that we provide every time, but we will continue to send you operational or service messages in relation to your Imillion Services.

Please consider that, depending on the country from where you use the Imillion Services, not all the above rights may be available to you. Also, there might be cases where these rights cannot be enforced: for example, you cannot object to us using your information when it is required by the law, or to manage a complaint; similarly you cannot ask us to delete your information if you want to continue using our Imillion Services.

You always have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority. Also, you can commence a court action to claim compensation for damage or distress caused by our failure to comply with data protection legislation.

If you want to know more about your rights, or you want to exercise them, you can reach us at the details provided in the Contact Us section.

AUTOMATED DECISION MAKING

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, we use automated decisions to complete credit assessments on you when you apply to certain Imillion Services or to carry out anti-fraud checks, as explained in the section “What We Use Your Personal Information For”. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making. In addition, if you are using the Imillion Services in the European Union, when we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision. You can exercise this right by contacting us at the details below.

LEGAL BASIS FOR PROCESSING

Imillion will only process your personal information where we have lawful authority to do so. Such laws vary across different territories and further specific information is available on request. In general, Imillion will either process:

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information for any specific processing activity, please contact us using the contact details provided under the Contact Us section below.

CHANGES TO OUR PRIVACY NOTICE

We may, from time to time, change our privacy notice. If we make material changes to how we treat your information, we will notify you through a notice on this website/portal. The date the privacy notice was last modified is at the bottom of the page. You are responsible for ensuring you periodically visit our website/portal and this privacy notice to check for any changes. However, if we are required by law to give you enhanced notice of any changes to this privacy notice and/or seek your consent to changes in our uses of your personal information, then we will do so.

LINKS TO THIRD PARTY SITES

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow such a link, please note that these websites have their own privacy and cookies policies and Imillion does not accept any responsibility or liability for these third party websites.

GLOBAL NOTICE

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

CONTACT US

All comments, queries and requests relating to our use of your information are welcomed.