CASPI Limited (registered number: C 64916) with its registered office at Palazzo Homedes, 80, Strait Street, Valletta VLT 1436, Malta, Europe (“we” or “us”) are committed to protecting your information and respecting your privacy.
If we are going to use your personal data in a manner that is different from the uses set out below, we will notify you by email. You may object to any new use or change in use of your personal data by contacting us as set out in section 11 below. We will treat such objection as a notice to terminate the relationship.
2.1 Information We Collect From You
We may collect and process the following data about you (for the purpose of this section 2 (“Information We Collect”) ‘you’ shall include any person visiting our website, a company applying for credit card acquiring services, its directors and its beneficial owners):
2.2 Information We Collect from Third Parties about You
In order to fulfill our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies, including your financial history, court judgments and bankruptcies, from credit reference and fraud prevention agencies when you open an Account and at any time when we feel it is necessary to prevent fraud and minimize our financial risks.
You authorize us to use information collected and held in the following ways:
You consent to the processing of such data for the purpose specified in this section and consent to the disclosure of information given above to, and to the exchange thereof with other employees of CASPI Limited, competent authorities, credit institutions or other carefully selected organisations and companies. You understand that you have a right of access to, and the right to rectify, your personal data.
We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure of information we have physical, electronic and managerial procedures in place to keep your information safe.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately contact Customer Services and tell us why you think your login details have been compromised. Details of how to contact Customer Services are available from the “Contact” section of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
We are by law required to retain certain records for a period of at least five years after the termination of the relationship which records will include your personal data such as your name, contact details, customer number and transaction history etc. Otherwise, we will delete and destroy all personal data that we hold about you when you (or we) terminate the relationship.
5.1 Group Companies
We may disclose your personal information to any member of our group, which means our ultimate holding company and its subsidiaries who are based in different countries. This may be necessary in order to, among other things, fulfill your request, process your payment details and transactions, provide support services and monitor fraudulent activities.
5.2 Other Disclosures
We may also disclose your personal information to:
We may contact you by email to the primary email address or by telephone to the contact telephone numbers you have provided when registering for our Service. You can change your primary email address and/or contact telephone number at any time, subject to the provisions of section 8 below.
You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your account.
6.1 Newsletters and Marketing
You will occasionally receive information by email from us, unless you have chosen not to receive such communication, and if you have consented to do so from our group companies too, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us and our group companies in any newsletter email by clicking on the appropriate ‘opt-out’ link.
From time to time we do share aggregated information about our customers’ use of our website and services with other companies for research and analysis purposes, but you cannot be identified from this aggregated information.
Phishing is the name given to attempts to steal personal details and financial account details from a website user. “Phishers” use fake or “spoof” emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords. WE WILL NEVER SEND EMAILS ASKING YOU FOR SUCH DETAILS AND OUR STAFF WILL NEVER ASK YOU FOR YOUR PASSWORD.
If you do receive such an email or are asked for your password by anyone claiming to work for us please forward the email or report the incident by email to our Customer Services.
Our Website may, from time to time, contain links to and from the websites of our partner networks. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
If your personal details (such as your name, address, or telephone number) change you must update your details by contacting Customer Services via the “Contact” section of the Website as soon as you can. You also have the right to request the blocking or erasure of data which has been processed unlawfully.
We shall not be liable for any loss arising out of your failure to keep your personal details up to date.
You have the right to access information that we hold about you. To do so, please contact us at the address given at the end of this policy. Access may be subject to an administrative fee of up to EUR 10.
In the event that you (or we) terminate the relationship, in accordance with the General Data Protection Regulation, you also have the right to request that we delete your personal details from our systems without undue delay. We will endeavour to complete this request insofar as applicable laws and regulations to prevent money-laundering or fraud and other financial services laws allow us to do so.
A cookie is a small amount of data which contains information that is downloaded to the device from which you access our site. Cookies are useful because they allow us and other websites to recognize your device.
Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. For example, they can allow you to navigate between web pages of our site and remember your preferences such as your language selection.
9.2 Types of Cookies and Consent
In summary, we use the following types of cookies:
We may use other cookies from time to time in accordance with this policy. By using our sites and other online services, you acknowledge that we may use some or all of the cookies as set out above and you agree that we can place Performance and Functionality Cookies on your device when you use our site. If you do not agree to this you should cease using our sites and online services or adjust your browser settings. Please see section 9.3 below.
9.3 Blocking Cookies
Should you fail to resolve any issues regarding our processing of your personal details with our Customer Support staff, you have the right to lodge a complaint with the supervisory authority of your home Member State if you feel that your personal details have not been processed in a legal manner in line with the General Data Protection Regulation. You may also file a complaint with the Office of the Information and Data Protection Commissioner as the supervisory authority for Malta, the EU Member State where CASPI Limited is incorporated.