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Privacy policy

Overview

Welcome to VLOAD.EXPERT (Global Primex Limited in further text VLOAD). VLOAD adheres to a set of core privacy principles. These principles apply to all persons and organisations whose personal data we hold. We focus, in particular, on the following core principles: To be transparent and to educate You should understand what personal data is collected, for what purposes and to understand how we apply our privacy principles. To empower the individual VLOAD wants You to be in control of Your personal information and to make Your own choices about Your personal data. To protect and keep Your data secure As a payment and financial service business, ensuring Your personal data is kept safe and secure is one of our main business values - VLOAD works to maintain Your trust and we take responsibility to ensure that appropriate security standards are implemented and Your personal data is protected. To collect and retain what personal data that we need VLOAD collects personal data to perform its services for You. We work to have controls in place to avoid collecting identifiable data beyond what we need. To respect local law VLOAD has a global presence, with local expertise. This expertise extends to privacy protection. The VLOAD privacy principles are global standards that we use to measure our commitment to data privacy legislation and to develop our services and products.

What is the purpose of privacy policy and how it works?

The purpose of this privacy policy is to give You information on how VLOAD collects and processes Your personal data when You use our Website, or payment platforms ("Platforms"). This includes any personal data that You provide to VLOAD through this Website i.a. when You submit personal data on our business enquiry form so that VLOAD may contact You to explain our service offering to You. "VLOAD", "us" or "our" in this privacy policy refers to the VLOAD with registered office in 30 St Georges Street, 3RD Floor Manor House, Port Louis, Mauritius, entity that is responsible for processing Your personal data.

About us

VLoad.Expert is operated by the voucher issuer, GLOBAL PRIMEX LIMITED, a company with its registered seat in Mauritius, holding a financial license No. C116016613.
announcement Applicable for EU citizens
VLOAD shall be data controller of Your personal data, i.e. we are responsible for the use of Your personal data in a secure manner in accordance with applicable law, particularly according to Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of naturalpersons with regard to the processing of personal data and on the free movement of s uch data, and repealing Directive 95/46/EC (General Data Protection Regulation) and in certain cases according to the agreement You have concluded with us. We would like you to read this Privacy Policy and others informations related to Us. If you have any questions, please contact us using the email address indicated below.

What is personal data and what kind of personal data does vload collect?

Personal data is any information that is of a personal nature that identifies You as an individual. Personal data does not include data where You cannot be identified from the data (anonymised). We may collect, use, process, store, or transfer personal data such as: Identity Data This is data includes Your full name(s), Your government issued identity number, and Your date of birth, number and series of Your identity document. This is often in order to for us to verify Your identity in order to offer our services to You. Contact Data This is data that is used to contact You, such as Your telephone number, address, email, and billing details. Financial Data Bank account number and its ownership, Your payment card details. Payments Data (or Transactional Data) When You are Merchant or a Customer (business utilize VLOAD servises), this includes information relating to a payments when using our products or services. Usage and Technical Data This is data such as Your internet usage information, Your I nternet Protocol address ("IP Address"), Your login data, unique user ID, version of software installed, screen resolutions, colour capabilities, plug-ins, language settings, cookie preferences, search engine keywords, JavaScript enablement, the content and pages that You access on the Website or Platform, and the dates and times that You visit the Website or Platform, paths taken, and time spent on sites and pages within the Website or Platform. Marketing and Communications Data This is includes both a record of Your decision to subscribe or withdraw from receiving marketing materials from us or our third parties. Detailed scope of personal data required for using particular service rendered by VLOAD You can find in the terms and conditions of each VLOAD service that are available on our Website VLOAD.EXPERT. We do not collect any Special Categories of personal data about You (this includes details about Your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about Your health and genetic and biometric data). To the extent that this Website includes links to third-party websites, plug-ins and applications (including cookies and widgets by third party advertisers), it is important that You understand that by clicking on those links or enabling those connections You may allow third parties to collect or share data about You. We do not control these third-party websites and we do not have impact on their privacy policies.

How we collect personal data

We collect data, including personal data, so that we can provide our services and products to You. We only collect as much personal data as we need. Where we need personal data by law, or in regard to our terms and conditions (contracts) with You so that we can provide You with our products or services, we will not be able to authorise and approve Your application to receive the product or service until we have received the data we requested. We may have to cancel or suspend a product or service You have or may want to have with us. We will notify You if this happens. We collect information in different ways on our Website, such as when You directly give us Your personal data. This includes when: You submit Your details to us on our Website so that we can contact You about our services and products. You apply for our products or services directly to us or our appointed suppliers (such as marketplaces). You enter a competition, promotion or survey. You request marketing material to be sent to You; or You send us a support request to our support desk. We collect data using various technologies when You access and browse our Website. This is Usage and Technical Data. If You want to know more about how we collect cookies from our Website, click Here We obtain personal data through third parties or if publicly available, such as: Merchants and operators of marketplaces who provide us with Your personal data for purposes of rendering VLOAD service that You have chosen on website operated by the Merchants or marketplaces. Profile Data from social platforms and networks when You give us permission to do so and if only applicable. Technical Data for purposes of fraud and risk assessments. Identity Data and Contact Data from publicly available sources in accordance with the applicable laws. Internal Third Parties from specific third parties within the group of companies to which VLOAD belongs.

How we use your personal informations

How VLOAD uses personal data will depend on if You are a Merchant, Customer, and which services and products You choose. The primary purpose that VLOAD will use personal data is when we are required to use Your personal data to perform the terms of our contract that we have entered with You, including ensuring proper quality of the service You have ordered from us (depending on if You are a Merchant, a Customer or on a Merchant’s payment page). In addition to this, we will use Your personal data in the following cases: Where it is necessary for our legitimate interests or the legitimate interests of a third party and Your interests override those interests. Where we use personal data to comply with our legal obligations – for example, ensuring that we use Your personal data to comply with anti-bribery and antimoney laundering requirements and also other legal requirements resulting from payment seystem act and other laws applying to payment institutions With Your active and informed consent. You will be entitled to withdraw Your consent provided it is not needed in order for us to comply with our legal obligations. To enable us to effectively communicate with You, examples can be to enable us to send You emails to inform You about Your product or service with us, update You on applicable security and fraud monitoring alerts, or notices to You if there is any interruption of services or important notices about improvement of our products. We may use automated decision making, including profiling, i.e. we will carry out automated analysis of Your personal data for purposes: To conduct required by applicable law "Know Your Customer" and risk assessment procedures in order to authenticate and authorise Your use of our services depending on if You are a Merchant or Customer and Your choice of service or product. To authenticate and validate payments to mitigate and protect against identity theft or fraud as required from us by applicable law.

Why we collect your data

To conclude and perform the contract for VLOAD services like e.g. single payment transaction, VLOAD Account, and also: To process payment transaction that You have ordered using VLOAD services and notifying You about the status of this payment. The types of Personal Data and the legal basis depends on the specific payment methods available by VLOAD. To conduct requisite "Know Your Customer" and risk assessment procedures in order to aut henticate and authorise Your use of our services depending on if You are a Merchant or Customer and Your choice of service or product. The type of Data required is Identity Data, Contact Data and Financial Data. This is necessary in order for VLOAD to assessing Your application to obtain VLOAD services under contract and necessary for our legal obligations. To protect our business and to ensure compliance by law and financial institutions. The types of personal data may include Identity Data and Transactional Data. Specific explanations are set out below: VLOAD is required under law to authenticate and validate payments to mitigate and protect against identity theft or fraud. To do this, some of Your personal and non-personal data, may collected by VLOAD directly or delivered to VLOAD by the Merchants or Customers, and VLOAD will use this personal data to enter into the VLOAD fraud systems available for this validation and will remain there for future reference and cross-reference of information required to validate the payments. To verify Your identity and compare Your information to verify accuracy. Save Your data if You exert Your right of refusal on purchases made or that the same are the subject of dispute or chargeback, in order to share the information of the transaction and, if required, Your personal information, with financial institutions for resolving disputes. To manage our relationship with You. This includes notifying You of changes to our contracts or this Privacy Policy, or to ask You to provide information on how we can improve or develop new services or products. To provide You with service assistance and problem solutions related specifically to the services we offer You – such as failures and system updates. To inform You about the status and history of transactions that is required fromus as payment institution according to payment system act. To issue and store invoices and accounting documents. To use Your personal data in transactional or monitoring reports as part of our performance of our contract. To use Your personal information for internal purposes, such as audits, reporting, data analysis or data mining, research to improve products or develop new ones, services and communications. To use data analytics to improve our Website, products or services, marketing and experiences. This is can be Technical and Usage Data which will be used for the analysis of VLOAD and the development or improvement of products and/or services, or for the provision of promotions or benefits, wh ich in the judgment of VLOAD are in Your favour or of interest to You and which can improve Your interaction and use of VLOAD and/or future development.

How does vload share your data with third parties?

Internal Third Parties – specific third parties within the group of companies to which VLOAD belongs, being the Global Primex Sp z o.o. of companies and provide the support, IT – department, Management, legal, sales, finance, and anti-money laundry services. VLOAD has appropriate mechanism in place with each Global Primex Sp z o.o. group of companies. External Third Parties: We share Transactional Data with Merchants in accordance with our service agreements (also referred to as our terms and conditions) with our Merchants. Service providers under contract who help us with parts of our business operations i.e. providers of IT infrastructure, payment risk analysis software and tools for sending newsletters. Authorized third party financial institutions and banking partners that we partner with to jointly create and offer products and services. Depending on the type of payment that You have chosen VLOAD will share the data with the financial institutions that validate and process each means of payment, for corresponding approval, validation, and settlement. This means that Your personal data may be collected for those purposes by financial issuing institutions for the means of payment, acquiring financial institutions, payment schemes, franchises such as Visa, MasterCard, loan institutions. When asked to do so by law enforcement, government officials or other third parties when we are compelled to do so by a by law (such as court order or similar legal procedure). VLOAD takes all reasonable organisational and technical measure to ensure that every third party involved in the processing of Your personal data uses protection standards in accordance with the applicable laws and in accordance with the principles set out in this Privacy Policy.

Cookies

Whenever you use our online services, including our applications, platform cookies and other tracking technologies can be used in various ways, like making the VLOAD.EXPERT website work, to analyze traffic, or for advertisement purposes. These technologies are either used by us directly, or by our business partners, including third-party service providers and advertisers we work with. If you want to learn more about what a cookie is, how they're used and what your choices are, you can read more here.

Marketing

You will receive marketing communications from VLOAD if You have requested marketing communications from us or You have subscribed for services or products from us. You will also receive marketing communications from us if You have entered into a promotional competition, promotional offer or survey where we are requested to provide us with Contact Details in order to enter or partake in the survey. In each case, we keep a register of marketing and communications data that is used by VLOAD and You will be entitled to opt out from receiving such marketing by clicking on the opt out or unsubscribe link provided in such VLOAD marketing communications. VLOAD may also use Marketing and Communications Data in order to improve and customize the content of our ads, promotions and advertising that may be of interest to You.

International data transfers

We share Your personal data within the VLOAD Group of companies. This may involve transferring Your personal data outside the European Economic Area (EEA) and the processing of Your personal data may be carried out on VLOAD’s servers or by third parties hired by VLOAD, located in different countries of the world. The transfer is necessary to perform and comply with the provision of our Services or to meet other operational needs of the business or in development of some of the purposes set forth in this Privacy Policy. Whenever we transfer personal data out of the EEA, we ensure that there is a similar level of protection afforded to Your data by ensuring that the following safeguards are in place.

DATA RETENTION

VLOAD may store Your personal data for as long as required for the fulfilment of the purposes we collected it for. The retention of data by VLOAD is determined by considering compliance with legal (contractual or statutory requirements), accounting and compliance reporting requirements. VLOAD also takes into consideration the temporary limits established in the commercial or data privacy laws in the different countries in which VLOAD provides its services.

YOUR RIGHTS

We ensure that You may exercise Your rights specified in applicable law. In order to ensure that You are entitled to submit request we can ask You for additional information allowing us to authenticate You. Your data subject rights are: The right of access Your personal data. You have the right to ask for information about Your personal data being processed by us. The right to rectify Your personal data. You can ask us to amend any inaccurate personal data. The right to erase Your personal data. You can ask us to erase Your personal data. Please note that in certain circumstances VLOAD must in any case respect its data retention legal obligations. The right to restrict the processing of Your personal data. You can require certain personal data to be marked as restricted for processing in certain circumstances. The right to data portability. You can ask us to transmit the personal data that You have provided to us to another data controller. The right to automated individual decision making including profiling. The right to object to direct marketing. Right to raise a complaint: You can raise a complaint about our processing with the data protection regulator in Your jurisdiction. The right to withdraw the consent. You can withdraw any consents to processing that You have given us and prevent further processing if there is no other legitimate ground upon which VLOAD can process Your personal data. The scope of abovementioned rights and the situation when You can exercise them results from the provisions of applicable law and legal basis of processing Your data by us. If You wish to exercise any of Your rights, please contact us under email address indicated below.

SECURITY

VLOAD takes legal, technical and organizational measures that it considers necessary in order to maintain the security of Your personal data, with due observance of the applicable obligatio ns and exceptions under the legislation in force. VLOAD follows the payments industry’s standards regarding the protection of personal data, including, among other measures, a firewall, Virtual Private Network ("VPN") and Transport Layer Security (TLS). Additionally, VLOAD is a certified entity under the PCI (Payment Card Industry Data Security Standard) standard. VLOAD reviews its policy regarding the collection, storage and processing of Your personal data, including physical security measures, to prevent adulteration, loss, query, use or fraudulent or unauthorized access to Your personal information. VLOAD have put in place procedures to deal with any suspected personal data breach and will notify You and any applicable regulator of a breach where we are legally required to do so.

How does vload treat personal data about minors?

VLOAD does not voluntarily or actively collect, use or disclose personal data of minors, according to the minimum age equivalent in the relevant jurisdiction, without the prior consent of the parents or guardians of the minor. The services of VLOAD are not intended or designed to attract minors. We encourage parents to stay informed about the Internet activities of their children, in order to ensure that no information is collected from a minor without parental consent.

Changes and duty to inform you

VLOAD will notify You of any changes to this Privacy Policy. It's very important that any personal data VLOAD holds about You is up to date and correct. Please inform us if Your personal data changes during Your relationship with us.

Contact

If you have any questions, suggestions, or comments about this Privacy Policy, send an email to dpo@vload.expert.