OVERVIEW
This privacy policy (this “Policy”) explains how Personal Information is collected, used, and disclosed by HUBPAL. This Policy applies to users (“you”) of HUBPAL’s services, websites, applications, and machines (each, a “Service”, and collectively, our “Services”).
By using our Services, to the extent permitted by applicable law, you are consenting to us gathering and processing information about you in accordance with this Policy, our Cookie Policy, and any other contract we may have with you including, without limitation, a Merchant Services Agreement. Although consent may not be required for all of the elements described in this Policy. For particular types of information or processing, we may provide you with choices or request your further consent related to what information we collect and how we may process it. If you do not agree to the terms set out in these policies, we do not give you permission to use the Services and you must cease to do so immediately.
Ⅰ. INFORMATION WE COLLECT
Personal Information. By using our Services, we may collect the following categories of personal information (“personal information”) of the person(s) who are company director(s), beneficial owner(s), or authorised person(s) of the merchant that we provide Services to:
– Name
– Date of birth
– Place of birth and nationality
– Identification documentation, such as copy of the passport, National Identity card or such other documentation as is required by local law, copies of these documents may include a photograph of your face
– Home address, email address and other contact details
We may ask for additional information such as, but not limited to, financial standing, employment details and experience to support merchant account application. We will also use our own records and information from other sources where applicable.
We process your Personal Information to meet our legal, statutory and contractual obligations and to provide you with our Services. We will never collect any unnecessary Personal Information from you and do not process your information in any way, other than as specified in this Policy.
Under certain circumstances, it may be necessary for you to provide us with your Personal Information, for example, to enable us to provide Services to you or to comply with our legal obligations. In other circumstances, it will be at your discretion whether you provide us with Personal Information or not. However, failure to supply any of the Personal Information we request may mean that we are unable to maintain or provide Services to you.
We make every effort to maintain the accuracy and completeness of your Personal Information which we store and to ensure all of your Personal Information is up to date. However, you can assist us with this by promptly contacting us if there are any changes to your Personal Information. We shall not be responsible for any losses you suffer arising from any inaccurate, inauthentic, deficient or incomplete Personal Information that you provide to us.
Ⅱ. HOW WE USE YOUR INFORMATION
We only process your Personal Information where:
- the processing is necessary to comply with our legal obligations including:
– to carry out money laundering, financial and credit checks and for fraud and crime prevention and detection purposes;
– to comply with our legal and regulatory obligations; and
– to comply with court orders and exercise and/or defend our legal rights, as otherwise permitted or required by any applicable law or regulation; or
- the processing is necessary for the performance of a contract to which you are party, or in order to take steps at your request prior to entering into such contract; or
- the processing is necessary for our legitimate interests or the legitimate interests of others (except where such interests are overridden by the interests or rights of your employees, agents and contractors and those of your associated entities requiring the protection of their Personal Information) including:
– for monitoring and assessing compliance with HUBPAL’s policies and standards;
– for promotional and marketing materials and activities;
– to comply with court orders and exercise and/or defend our legal rights, as otherwise permitted or required by any applicable law or regulation;
– to identify person(s) authorised to act on behalf of our clients;
– for administrative purposes in relation to the security and access of our systems, offices, platforms and secure websites and applications; and
– to contact you about the Services we offer
Our Role as Data Controller and Data Processor. We generally act as the data controller of your Personal Information. HUBPAL do not and will not share, disclose or trade your Personal Information collected from above processes. Under certain payment scheme, payment companies may engage us to provide them with certain processing services related to information owned or controlled by the payment companies. We are not responsible for any payment companies’ use of information for which it is an owner or controller.
Retention. We will only retain your Personal Information for as long as necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements. However, if you wish to have your Personal Information removed from our databases, you can make such a request by writing to the address detailed in the Contact Us section. Subject to any legal or regulatory requirements, we will then delete this information (to the extent technically practicable).
Ⅲ. SECURITY OF YOUR INFORMATION
HUBPAL takes commercially-reasonable technical, administrative, and physical security measures designed to protect your information from loss, misuse, unauthorised access, disclosure, alteration, and destruction.
When your merchant transaction is being transmitted to our Services or through our Services, it will be protected by cryptographic protocols. To be clear, HUBPAL does not itself store any Personal Information of yours or your clients’ through transactions.
We assume no liability or responsibility for disclosure of any personal information due to errors in transmission, unauthorised third-party access, or other causes beyond our control.
You play an important role in keeping your information secure. You should not share your user name, password, or other security information for your HUBPAL account with anyone. If we receive instructions using your user name and password, we will consider that you have authorised the instructions. If you have reason to believe that your interaction with us is no longer secure (e.g., if you feel that the security of any account you might have with us has been compromised), please contact us immediately as detailed in the Contact Us section, below.
Ⅳ. COOKIES
We collect information about your usage and activity on our website using certain technologies, such as cookies, and other technologies. See our Cookie Policy for more details.
Ⅴ. YOUR CHOICES
Email. If you do not want to receive marketing and promotional emails from HUBPAL, you may click on the “unsubscribe” link in the email to unsubscribe and opt-out of marketing email communications. If you have a HUBPAL account, you may also opt-out of marketing emails in your account settings. Alternatively, to the extent that applicable law requires your prior opt-in consent to receive marketing and promotional emails, you can choose not to opt-in. Please note that even if you opt-out of receiving marketing communications from one or all of our Services, we may need to send you service-related communications.
Text Messages. If you no longer want to receive text messages from HUBPAL, please let us know to opt-out of text messages at dpo@hubpy.com or write to us, as detailed in Contact Us section.
Cookie Choices. To exercise choices regarding cookies set through our website, as well as other types of online tracking and internet advertising, see our Cookie Policy for more details.
In addition to the above methods of exercising choice, to the extent required by applicable law, we may provide you with additional choices regarding the processing of your information, which you may exercise by contacting us as detailed in the Contact Us section, below. We will try to comply with your request as soon as reasonably practicable as required by applicable law.
Ⅵ. ACCESS, CORRECTION AND DELETION OF YOUR INFORMATION
If you wish to update, modify/correct, delete or, access your Personal Information, receive a copy of the personal data collected from you, or if you would like us to stop processing any of your Personal Information, to the extent you are entitled to do so under applicable law, you can make such a request by writing to us detailed in the Contact Us section, below. We will respond to your request within the time prescribed by applicable law. If such changes are made pursuant to your request(s) this may affect our ability to continue to provide our Services to you and under such circumstances, we reserve the right to terminate our Services to you.
In any of the situations listed above, in order for us to comply with our security obligations and to prevent unauthorised disclosure of data, we may request that you provide us with a copy of a valid means of identification and verification of the identity of the individual whose Personal Information is the subject of such a request.
Ⅶ. WHEN WE MAY DISCLOSE YOUR PERSONAL DATA
HUBPAL do not and will not share, disclose or trade your Personal Information. We will only disclose your Personal Information in the ways set out in this Policy and in the following circumstances:
– To third parties who process your Personal Information on our behalf (such as our money laundering, financial and sanction check providers);
– To regulatory bodies, or there is a legal requirement.
Ⅷ. INTERNATIONAL TRANSFERS
Information about you may be transferred to, or accessed by, entities located around the world as described in this Policy. Some of these entities may be located in countries that do not provide an equivalent level of protection as your home country. Where required, HUBPAL will ensure that we have adequate safeguards in place so that your Personal Information is treated securely and in accordance with applicable law and regulation and with our policies and standards. By using our Services, and providing us information about you, you consent to the international transfer of information about you to the above parties.
The most common reason for us disclosing information overseas is because we use service providers to perform some functions on our behalf, and some of these service providers are located outside the European Economic Area (EEA). We only disclose information to these organisations when it is necessary for the services they provide to us. For the most part, these service providers are entities related to us which perform a range of technology and operational functions for us.
Ⅸ. CHANGES TO THIS POLICY
Except to the extent limited by applicable law, we reserve the right to update this Policy to reflect changes to our information practices by prominently posting notice of the update on our Services, and as required, obtaining your consent. Any updates will become effective immediately after posting the updates to this Policy and apply to all information collected about you, or where required, upon your consent. You agree that you will review this Policy periodically. If we make any changes to this Policy, we will change the “Last Updated” date above. You are free to decide whether or not to accept a modified version of this Policy, but accepting this Policy, as modified, is required for you to continue using our Services. If you do not agree to the terms of this Policy or any modified version of this Policy, your sole recourse is to terminate your use of our Services.
If we make any changes to this Policy that materially impacts previously collected information about you, we will obtain your prior express consent.
Ⅹ. CONTACT US
If you have any questions about this Policy or information we have collected about you, please contact us by email at dpo@hubpy.com
隐私政策（中文版，若有歧义以英文版为准）
概述
本隐私政策（“本政策”）解释了HUBPAL如何收集、使用和披露个人信息。本政策适用于HUBPAL的服务、网站、应用程序和设备的用户（“您”）（每一项称为“服务”，统称为“我们的服务”）。
通过使用我们的服务，在适用法律允许的范围内，您同意我们按照本政策、我们的《Cookie政策》以及我们可能与您签订的任何其他合同（包括但不限于《商户服务协议》）收集和处理您的信息。虽然并非本政策描述的所有内容都需要获得您的同意，但对于某些类型的信息或处理，我们可能会为您提供选择或要求您进一步同意我们收集的信息以及我们可能如何处理这些信息。如果您不同意这些政策中规定的条款，我们不允许您使用服务，并且您必须立即停止使用。
Ⅰ. 我们收集的信息
个人信息。通过使用我们的服务，我们可能会收集以下类别的个人信息（“个人信息”），这些信息属于我们向其提供服务的商户的公司董事、实益拥有者或授权人的个人信息：
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姓名
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出生日期
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出生地点和国籍
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身份证明文件，例如护照复印件、身份证复印件或本地法律要求的其他文件，这些文件的副本可能包含您的照片
-
家庭住址、电子邮件地址和其他联系方式
我们可能会要求提供其他信息，例如财务状况、就业详情和经验等，以支持商户账户的申请。我们还将使用我们自己的记录和来自其他来源的信息（如适用）。
我们处理您的个人信息是为了满足我们的法律、法定义务和合同义务，并向您提供我们的服务。我们绝不会从您那里收集任何不必要的个人信息，并且不会以本政策规定之外的任何方式处理您的信息。
在某些情况下，您可能需要向我们提供您的个人信息，例如，为了使我们能够向您提供服务或履行我们的法律义务。在其他情况下，是否向我们提供个人信息将取决于您的决定。然而，未能提供我们所要求的任何个人信息可能意味着我们无法继续维护或向您提供服务。
我们尽一切努力保持我们存储的您的个人信息的准确性和完整性，并确保您的所有个人信息都是最新的。然而，您可以通过及时联系我们来协助我们，如果您的个人信息有任何变化。对于您提供给我们的任何不准确、不真实、不足或不完整的个人信息而导致的任何损失，我们概不负责。
Ⅱ. 我们如何使用您的信息
我们仅在以下情况下处理您的个人信息：
处理是为了遵守我们的法律义务，包括：
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进行反洗钱、财务和信用检查，以及防止和发现欺诈和犯罪；
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遵守我们的法律和监管义务；以及
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遵守法院命令，并行使和/或维护我们的合法权利，或在任何适用的法律或法规允许或要求的情况下；
处理是为了履行您所参与的合同，或者为了应您的请求在签订此类合同之前采取步骤；或
处理是为了我们或他人的合法利益（除非此类利益被您员工、代理人和承包商以及您的关联实体的利益或权利所凌驾，要求保护他们的个人信息）包括：
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监控和评估HUBPAL的政策和标准的合规性；
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推广和营销材料和活动；
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遵守法院命令，并行使和/或维护我们的合法权利，或在任何适用的法律或法规允许或要求的情况下；
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识别被授权代表我们客户行事的个人；
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与我们系统、办公室、平台和安全网站及应用程序的安全和访问相关的行政目的；以及
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与您联系关于我们提供的服务
作为数据控制者和数据处理者的角色。我们通常充当您的个人信息的数据控制者。HUBPAL不会也不会分享、披露或交易通过上述过程收集的您的个人信息。在某些支付方案下，支付公司可能会聘请我们为其提供与支付公司拥有或控制的信息相关的某些处理服务。我们对任何支付公司如何使用其拥有或控制的信息不负责任。
保留。我们只会在为实现收集目的或履行法律、监管或内部政策要求所必需的时间内保留您的个人信息。然而，如果您希望将您的个人信息从我们的数据库中删除，您可以通过“联系我们”部分详细说明的地址提出此类请求。在遵守任何法律或监管要求的情况下，我们将删除此信息（在技术可行的范围内）。
Ⅲ. 您信息的安全性
HUBPAL采取了商业上合理的技术、管理和物理安全措施，旨在保护您的信息免于丢失、滥用、未经授权的访问、披露、篡改和销毁。
当您的商户交易被传输到我们的服务或通过我们的服务时，它将受到加密协议的保护。需要明确的是，HUBPAL本身不存储您的或您客户的个人信息或通过交易进行的个人信息。
对于因传输错误、未经授权的第三方访问或我们控制范围之外的其他原因而导致的任何个人信息的披露，我们不承担任何责任或义务。
您在保持信息安全方面发挥着重要作用。您不应将您的HUBPAL账户的用户名、密码或其他安全信息与任何人分享。如果我们收到使用您的用户名和密码的指令，我们将视为您已授权这些指令。如果您有理由相信与我们的互动不再安全（例如，如果您认为与我们可能拥有的任何账户的安全性已被破坏），请立即按照下文“联系我们”部分的详细信息与我们联系。
Ⅳ. Cookies
我们使用某些技术（如Cookies）以及其他技术收集有关您在我们网站上的使用情况和活动的信息。有关更多详细信息，请参阅我们的《Cookie政策》。
Ⅴ. 您的选择
电子邮件。如果您不想接收HUBPAL的营销和推广电子邮件，您可以点击电子邮件中的“退订”链接来退订并选择退出营销电子邮件通信。如果您拥有HUBPAL账户，您也可以在您的账户设置中选择退出营销电子邮件。或者，如果适用法律要求您的事先同意才能接收营销和推广电子邮件，您可以选择不参与。请注意，即使您选择退出接收我们一个或所有服务的营销通信，我们可能仍然需要向您发送服务相关的通信。
短信。如果您不再希望接收HUBPAL的短信，请告知我们以选择退出短信，联系dpo@hubpy.com或按照“联系我们”部分中的详细信息写信给我们。
Cookie选择。要行使有关通过我们网站设置的Cookies以及其他类型的在线跟踪和互联网广告的选择权，请参阅我们的《Cookie政策》了解更多详细信息。
除了上述选择方法外，在适用法律要求的范围内，我们可能会为您提供有关处理您的信息的其他选择，您可以通过“联系我们”部分的详细信息行使这些选择。我们将尽量按照适用法律的要求尽快满足您的请求。
Ⅵ. 访问、修改和删除您的信息
如果您希望更新、修改/更正、删除或访问您的个人信息，收到我们收集的个人数据副本，或希望我们停止处理您的任何个人信息，在适用法律允许的范围内，您可以通过“联系我们”部分详细说明的地址提出此类请求。我们将在适用法律规定的时间内回复您的请求。如果根据您的请求进行了此类更改，这可能会影响我们继续向您提供服务的能力，并且在这种情况下，我们保留终止向您提供服务的权利。
在上述任何情况下，为了使我们能够履行我们的安全义务并防止未经授权的数据披露，我们可能会要求您提供我们有效的身份证明副本以及验证个人信息所涉及的个人身份的副本。
Ⅶ. 我们何时可能披露您的个人数据
HUBPAL不会也不会分享、披露或交易您的个人信息。我们只会在以下情况下披露您的个人信息：
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向代表我们处理您的个人信息的第三方（如我们的反洗钱、财务和制裁检查提供商）；
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向监管机构，或有法律要求的情况下。
Ⅷ. 国际传输
如本政策所述，有关您的信息可能会转移到或由世界各地的实体访问。这些实体中的一些可能位于未提供与您的国家相同级别的保护的国家。在需要的情况下，HUBPAL将确保我们已采取充分的保障措施，以便您的个人信息按照适用法律和法规以及我们的政策和标准进行安全处理。通过使用我们的服务，并向我们提供有关您的信息，您同意将有关您的信息国际传输给上述各方。
我们披露信息到国外的最常见原因是因为我们使用服务提供商代表我们执行某些功能，并且这些服务提供商中的一些位于欧洲经济区（EEA）以外。我们只在这些组织为我们提供服务时才披露信息。大多数情况下，这些服务提供商是与我们相关的实体，为我们执行一系列技术和运营功能。
Ⅸ. 本政策的变更
除适用法律限制外，我们保留更新本政策的权利，以反映我们的信息实践的变化，并在我们的服务上显著发布更新的通知，并在需要时获得您的同意。任何更新将在本政策的更新发布后立即生效，并适用于我们收集的所有有关您的信息，或在需要时在您同意后生效。您同意您将定期审阅本政策。如果我们对本政策进行任何更改，我们将更改上方的“最后更新”日期。您可以自由决定是否接受本政策的修改版本，但接受本政策（如有修改）是您继续使用我们服务的必要条件。如果您不同意本政策或本政策的任何修改版本，您的唯一追索权是终止使用我们的服务。
如果我们对本政策做出任何实质性影响以前收集的有关您的信息的更改，我们将获得您的事先明确同意。
Ⅹ. 联系我们
如果您对本政策或我们收集的有关您的信息有任何疑问，请通过电子邮件联系dpo@hubpy.com
