Privacy Policy

Please read this privacy notice carefully

THIS PRIVACY NOTICE APPLIES TO VISITORS OF XPAY AN PREMISE WEBSITE AT HTTPS://XPAY.WORLD AND HTTPS://PREMISEFINTECH.COM AND USERS OF THE MOBILE APPLICATION AVAILABLE FOR DOWNLOAD VIA THE APP STORE FOR BOTH IOS AND ANDROID DEVICE. (EACH A "USER") WHO ARE USERS OF XPAY OR HAVE THEIR PERSONAL INFORMATION PROVIDED TO US IN THE COURSE OF USING OUR SERVICES, INCLUDING BUT NOT LIMITED TO MERCHANT ACQUIRING, PAYMENT PROCESSING AND MERCHANT WALLET SERVICES (“XPAY SERVICES”) PROVIDED OUTSIDE OF THE PHILIPPINES.

UNLESS OTHERWISE INDICATED OR THE CONTEXT REQUIRES OTHERWISE, REFERENCE TO “YOU” OR “YOUR” ARE INTENDED TO REFER TO A USER, AND REFERENCE TO “XPAY”, “WE”, “US” OR “OUR” IN THIS NOTICE AND THE AGREEMENTS INCLUDE RELEVANT COMPANIES IN THE XPAY GROUP THAT ARE INVOLVED IN PROVIDING XPAY SERVICES.

WE WANT YOU TO UNDERSTAND:

1. WHAT PERSONAL INFORMATION DO WE COLLECT ABOUT YOU?

WE COLLECT AND USE PERSONAL INFORMATION ABOUT YOU, INCLUDING WHEN YOU INTERACT WITH US, REGISTER FOR AN XPAY ACCOUNT, USE XPAY SERVICES TO ACCEPT PAYMENTS OR OTHERWISE CONDUCT FINANCIAL TRANSACTIONS. THE PERSONAL INFORMATION WE COLLECT INCLUDES:

YOUR BASIC PERSONAL DETAILS, INCLUDING FIRST AND LAST NAME, AND COPIES OF YOUR PERSONAL ID DOCUMENTS; CONTACT INFORMATION (INCLUDING YOUR ADDRESS, PHONE NUMBER, EMAIL, WEBSITE URL, OR OTHER INFORMATION THAT PERMITS US TO CONTACT YOU);
ACCOUNT INFORMATION;
REGISTRATION DETAILS;
FINANCIAL INFORMATION AND TAX IDENTIFICATION INFORMATION;
TRANSACTION DETAILS; AND
TECHNICAL INFORMATION, INCLUDING:
INFORMATION ABOUT THE DEVICE YOU USE TO INTERACT WITH US, AND
INFORMATION FROM YOUR VISITS TO OUR WEBSITES OR MOBILE APPLICATIONS.

2. HOW WE OBTAIN YOUR PERSONAL INFORMATION

WE COLLECT PERSONAL INFORMATION ABOUT YOU IN CONNECTION WITH THE USE OF XPAY SERVICES. FOR EXAMPLE, WE COLLECT YOUR PERSONAL INFORMATION WHEN YOU BROWSE OUR WEBSITE, MOBILE APP, OR PLATFORM, ENQUIRE ABOUT OR REGISTER TO USE ANY OF THE XPAY SERVICES, SIGN A CONTRACT WITH US, PROVIDE YOUR PERSONAL INFORMATION DURING THE MERCHANT ON-BOARDING PROCESS, LOG INTO YOUR XPAY ACCOUNT TO USE THE XPAY SERVICES ON OUR PLATFORM; OR WHEN YOU COMMUNICATE WITH US VIA E-MAIL, PHONE, SMS, OR ANY OTHER ELECTRONIC MEANS.
WE ALSO RECEIVE PERSONAL INFORMATION ABOUT YOU FROM OTHER SOURCES, INCLUDING:

MERCHANTS AND OTHER THIRD PARTIES, INCLUDING THOSE WHO SUPPORT THE ABILITY TO MAKE PAYMENTS AND CONDUCT TRANSACTIONS THROUGH XPAY SERVICES;
AFFILIATES;
SUPPLIERS PROVIDING SERVICES ON OUR BEHALF;
BANKS AND OTHER PAYMENT INSTITUTIONS THAT WE COOPERATE WITH TO PROVIDE YOU WITH OUR XPAY SERVICES; AND
PUBLICLY AVAILABLE SOURCES.
WE COMBINE INFORMATION THAT WE HAVE ABOUT YOU FROM VARIOUS SOURCES, INCLUDING THE INFORMATION YOU HAVE PROVIDED TO US.
PLEASE REFER TO HOW WE USE YOUR PERSONAL INFORMATION FOR MORE DETAILS.

3. HOW WE USE YOUR PERSONAL INFORMATION

WE USE THE INFORMATION WE COLLECT TO OPERATE OUR BUSINESS, INCLUDING XPAY SERVICES. FOR EXAMPLE, WE MAY USE YOUR PERSONAL INFORMATION FOR THE FOLLOWING PURPOSES:

VERIFYING YOUR IDENTITY, INCLUDING DURING ACCOUNT CREATION AND PAYMENT PASSWORD RESET PROCESSES;
VERIFYING YOUR ELIGIBILITY AS A USER OF XPAY SERVICES;
PROCESSING, MAINTAINING AND MANAGING YOUR REGISTRATION AS A USER;
PROCESSING YOUR MERCHANT APPLICATION AND PROVIDING YOU WITH XPAY SERVICES AND RELATED USER SERVICES, INCLUDING OPERATING XPAY SERVICES AND ENABLING TRANSACTIONS, CUSTOMIZING YOUR USER EXPERIENCE, ENABLING PAYMENT ACCEPTANCE OF CARD TRANSACTIONS, SETTLEMENT SERVICES, CHARGEBACKS, SENDING NOTICES ABOUT TRANSACTIONS, AND RESPONDING TO YOUR QUERIES, FEEDBACK, CLAIMS OR DISPUTES;
CONTACTING YOU IN RELATION TO OUR PROVISION OF XPAY SERVICES, CONTACTING YOU IN CONNECTION WITH ANY COMMUNICATION PREFERENCES OR REQUESTS YOU HAVE EXPRESSED, ASKING YOU FOR FEEDBACK ABOUT XPAY SERVICES OR OTHER RELATED PRODUCTS AND SERVICES, COLLECTING FEEDBACK FROM YOU AND YOUR STAFF ABOUT OUR PRODUCTS AND SERVICES AND USING SUCH FEEDBACK TO IMPROVE OUR BUSINESS AND/OR CUSTOMIZE PRODUCTS AND SERVICES; SENDING YOU INFORMATION ABOUT PRODUCTS AND SERVICES, INCLUDING FOR PROMOTIONAL PURPOSES; AND CONTACTING YOU FOR LEGAL PURPOSES;
ASSESSING, DETECTING, INVESTIGATING, PREVENTING OR REMEDIATING FRAUD, DATA BREACHES OR OTHER POTENTIALLY PROHIBITED OR ILLEGAL ACTIVITIES AND OTHERWISE PROTECTING THE INTEGRITY OF OUR PLATFORM;
MANAGING OUR RISK, PERFORMING CREDITWORTHINESS AND SOLVENCY CHECKS ON USERS, OR DETECTING, INVESTIGATING, PREVENTING OR REMEDIATING VIOLATIONS OF YOUR AGREEMENTS WITH US OR ANY OF OUR APPLICABLE POLICIES, INDUSTRY STANDARDS, GUIDELINES, LAWS AND REGULATIONS, ETC.;
MAKING DISCLOSURES AS MAY BE REQUIRED BY ANY RULES, LAW OR REGULATION, REGULATORY AUTHORITIES, GOVERNMENT OFFICIAL OR OTHER THIRD PARTY, INCLUDING ANY CARD ASSOCIATION OR OTHER PAYMENT NETWORK. SUCH DISCLOSURES MAY ALSO BE MADE PURSUANT TO ANY SUBPOENA, COURT ORDER OR OTHER LEGAL PROCESS OR REQUIREMENT APPLICABLE TO US OR ANY AFFILIATES (INCLUDING “KNOW YOUR CUSTOMER”, ANTI-MONEY LAUNDERING, COUNTER-TERRORIST FINANCING REPORTING, TAX REQUIREMENTS OR OTHER COMMERCIAL DISPUTES);
MAKING DISCLOSURES TO THIRD PARTIES INCLUDING RELEVANT REGULATORS TO PREVENT ANY HARM OR FINANCIAL LOSS, TO REPORT SUSPECTED ILLEGAL ACTIVITY OR TO ESTABLISH, EXERCISE, OR DEFEND CLAIMS OR POTENTIAL CLAIMS ON BEHALF OF OURSELVES OR OUR AFFILIATES;
IMPROVING AND OPTIMIZING XPAY SERVICES;
MANAGING OUR BUSINESS INCLUDING TO PROTECT USERS, PREVENT HARM, FRAUD OR THEFT TO OURSELVES OR OTHERS, MAINTAIN THE SECURITY OF OUR PRODUCTS, AND PROTECT OUR RIGHTS OR PROPERTY AND THOSE OF OTHERS; AND
OTHERWISE FOR EVERYDAY BUSINESS PURPOSES, TO COMPLY WITH LAW, OR IN OTHER WAYS FOR WHICH WE PROVIDE SPECIFIC NOTICE AT THE TIME OF COLLECTION.

4. WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

WE SHARE YOUR PERSONAL INFORMATION TO OPERATE AND MANAGE OUR BUSINESS, INCLUDING FOR THE PURPOSES INDICATED UNDER HOW WE USE YOUR PERSONAL INFORMATION. THUS, FOR EXAMPLE, WE MAY SHARE YOUR INFORMATION WITH:

AFFILIATES;
THIRD PARTIES, INCLUDING:
ANY AGENT, CONTRACTOR OR THIRD-PARTY SERVICE PROVIDER THAT WE WORK WITHIN PROVIDING XPAY SERVICES. FOR EXAMPLE, WE WORK WITH THIRD PARTIES TO HELP US WITH FRAUD PREVENTION, ANTI-MONEY LAUNDERING CHECKS, CREDIT CHECKING, BILL COLLECTION, DATA ENTRY, DATABASE MANAGEMENT, PROMOTIONS, MARKETING, CUSTOMER SERVICE, TECHNOLOGY SERVICES, PRODUCTS AND SERVICES ALERTS AND PAYMENT EXTENSION SERVICES OR TO PROVIDE TRADE FINANCING SERVICES;
BANKS, CARD ASSOCIATIONS, PAYMENT NETWORKS OR ACQUIRING INSTITUTIONS, AND OTHERS, INCLUDING THOSE INVOLVED IN PROCESSING OF PAYMENTS AND CONDUCTING TRANSACTIONS THROUGH XPAY SERVICES; AND
LAW ENFORCEMENT AGENCIES, INSURERS, GOVERNMENT AND REGULATORY AUTHORITIES OR ANY OTHER ORGANIZATIONS TO WHICH XPAY, OR ANY AFFILIATE OR THIRD-PARTY SERVICE PROVIDER, IS UNDER AN OBLIGATION TO MAKE DISCLOSURE UNDER THE REQUIREMENTS OF ANY APPLICABLE LAW, REGULATION OR COMMERCIAL ARRANGEMENT.
INDIVIDUALS AND ENTITIES INVOLVED IN ANY MERGER, ACQUISITION, CORPORATE REORGANIZATION, FINANCING, OR SIMILAR TRANSACTION WITH US, INCLUDING IN THE EVENT OF THE SALE OF ALL OR PART OF OUR ASSETS; AND
OUR OWN AND OTHERS’ PROFESSIONAL ADVISORS (E.G., LAWYERS, ACCOUNTANTS, AUDITORS, AND TRUSTEES).
SEE HOW DO WE STORE AND PROTECT YOUR PERSONAL INFORMATION? FOR INFORMATION ON HOW WE KEEP YOUR PERSONAL INFORMATION SECURE WHEN SHARING IT WITH OTHERS.

5. HOW DO WE STORE AND PROTECT YOUR PERSONAL INFORMATION?

WE WILL KEEP YOUR PERSONAL INFORMATION IN ACCORDANCE WITH OUR POLICIES AND FOR AS LONG AS IT IS NECESSARY TO PROVIDE YOU WITH XPAY SERVICES OR OTHER PURPOSES AS SET OUT IN THIS NOTICE. IN ADDITION, WE MAY RETAIN YOUR PERSONAL INFORMATION FOR A LONGER PERIOD (INCLUDING AFTER YOU ARE NO LONGER A USER) IF IT IS NECESSARY TO COMPLY WITH LAWS AND REGULATIONS APPLICABLE TO US.

WE USE A VARIETY OF SECURITY MEASURES AND TECHNOLOGIES DESIGNED TO HELP PROTECT YOUR PERSONAL INFORMATION FROM UNAUTHORIZED ACCESS, USE, DISCLOSURE, ALTERATION OR DESTRUCTION CONSISTENT WITH APPLICABLE DATA PROTECTION AND PRIVACY LAWS AND REGULATIONS. YOU ARE RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR ACCOUNT INFORMATION (USERNAME, PASSWORD, ETC.) FOR XPAY SERVICES IN YOUR POSSESSION OR CONTROL.

6. HOW DO WE PROCESS PERSONAL INFORMATION OF INDIVIDUALS BELOW 21 YEARS OLD?

OUR SERVICE IS NOT DIRECTED TOWARDS INDIVIDUALS UNDER 21 YEARS OLD, NOR DOES XPAY KNOWINGLY COLLECT INFORMATION FROM INDIVIDUALS UNDER 21. IF YOU ARE UNDER 21, PLEASE DO NOT USE XPAY SERVICES OR SUBMIT ANY PERSONAL INFORMATION TO US.

7. THIRD PARTY SERVICES AND SITES

THE XPAY MOBILE APP, WEBSITE, AND PLATFORM MAY PROVIDE LINKS TO OTHER WEBSITES AND SERVICES (INCLUDING OTHER ONLINE MERCHANT SITES) FOR YOUR CONVENIENCE AND INFORMATION. THESE SERVICES AND WEBSITES MAY OPERATE INDEPENDENTLY FROM US. LINKED SERVICES AND WEBSITES MAY HAVE THEIR OWN PRIVACY NOTICES OR POLICIES, WHICH WE STRONGLY SUGGEST YOU REVIEW IF YOU VISIT ANY LINKED WEBSITES. TO THE EXTENT ANY LINKED WEBSITES YOU VISIT ARE NOT OWNED OR CONTROLLED BY US, WE ARE NOT RESPONSIBLE FOR THESE WEBSITES’ OR SERVICES CONTENT, ANY USE OF THESE SERVICES OR WEBSITES BY YOU, OR THE PRIVACY PRACTICES OF THESE SERVICES OR WEBSITES.

8. CHANGES TO THIS NOTICE

WE MAY CHANGE, AMEND OR REVISE THIS NOTICE FROM TIME TO TIME. WE WILL NOTIFY YOU OF ANY SUBSTANTIVE OR MATERIAL CHANGE IN THIS NOTICE BY UPDATING OUR MOBILE APP OR WEB PAGE, SENDING PUSH NOTIFICATIONS, E-MAILS OR LETTERS, BY PHONE OR BY PUBLISHING ANNOUNCEMENTS ON OUR WEBSITE (HTTPS://XPAY.WOLRD).

9. WHAT IS OUR LEGAL BASIS FOR USING YOUR PERSONAL INFORMATION?

FOR THE PERFORMANCE OF ANY CONTRACTS TO WHICH YOU ARE A PARTY.
TO COMPLY WITH LEGAL AND REGULATORY OBLIGATIONS.
FOR LEGITIMATE BUSINESS PURPOSES.
USING YOUR PERSONAL INFORMATION HELPS US TO OPERATE AND IMPROVE OUR BUSINESS AND MINIMIZE ANY DISRUPTION TO THE SERVICES THAT WE MAY OFFER TO YOU. IT ALSO ALLOWS US TO MAKE OUR COMMUNICATIONS WITH YOU MORE RELEVANT AND PERSONALIZED TO YOU, AND TO MAKE YOUR EXPERIENCE OF OUR PRODUCTS AND SERVICES EFFICIENT AND EFFECTIVE.
HOWEVER, IN CASES IN WHICH WE WISH TO USE YOUR DATA FOR OUR LEGITIMATE BUSINESS PURPOSES, WE CAREFULLY CONSIDER THE POSITION AND DO NOT PROCEED IF WE THINK YOUR INTERESTS OR FUNDAMENTAL RIGHTS AND FREEDOMS RELATING TO YOUR PERSONAL INFORMATION WOULD BE PREJUDICED. EXAMPLES OF MATTERS WE CONSIDER INCLUDE HOW WE USE YOUR DATA RESPONSIBLY (FOR INSTANCE, SECURITY MEASURES WE PUT IN PLACE TO PROTECT IT, SUCH AS ACCESS CONTROLS).
BECAUSE YOU HAVE GIVEN YOUR CONSENT.

10. CONTACT US

IF YOU HAVE QUESTIONS OR REQUESTS ABOUT THE PRIVACY OF YOUR PERSONAL INFORMATION AND YOU ARE A USER IN:

PLEASE CONTACT US BY EMAIL VIA INFO@XPAY.WORLD

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