OVERVIEW
This Privacy Policy by AWEpay aims to provide you with information regarding our use of your Personal Data when you visit our website, apply for, or use our services. We encourage you to read this Privacy Policy to help you make informed decisions.
1.0 COLLECTION & USE OF INFORMATION
1.1 Definition of “Personal Data”
“Personal Data” as defined in this policy refers to the following categories which we will collect from you through your interactions with us and use of our services :
1.1.1 Personal identifiers: This includes details such as your name, business name, address, phone number, email, IP address, device information, information collected through cookies or other tracking technologies or other information necessary to establish an account or profile
1.1.2 Records and financial information: This category covers data such as bank account and routing numbers, credit and debit card information and other financial information
1.1.3 Commercial information: This includes information related online shopping activities, such as data from your shopping cart, shopping interactions on merchant websites, purchase history, order tracking and product information
1.1.4 Geolocation: This pertains to IP-based geolocation data and Global Positioning System (GPS, collected with your consent during your user experience
1.1.5 Internet or network activity: This category encompasses interactions with our services, details about webpage response times, information on download errors, timestamps of service usage, location data, statistics concerning page loading and viewing, data about websites visited prior to accessing our sites and other usage and browsing data collected through our cookies. Do refer to our cookie policy for more information.
1.1.6 Biometrics: This includes voice recognition, photo identification or face scans used to verify your identity for specific actions related to your account
1.1.7 Professional or employment information: This covers business-related information, job title, contact emails, phone numbers and taxpayer ID numbers
1.1.8 Imported contact information: This involves details such as names, address, phone number, images, email address or usernames associated with your contacts
1.1.9 AWEpay account profile information: This encompasses your username, profile picture, gender, or any personal descriptions that may include sensitive personal information.
1.1.10 Information provided during interaction: This category includes your responses to surveys, recorded conversations, chat exchanges, email correspondence, account or profile status, repayment history, voice recognition data, and information about others whom you choose to share with us
1.1.11 Inferred data: We may derive information about you, such as your preferences and shopping behavior, based on your transactions and interactions with our services
1.1.12 Characteristics of Protected Classifications: This includes details such as age, date of birth, national origin, disability and/or citizenship
1.1.13 Sensitive Personal Information: This comprises Social Security numbers, government-issued identification, bank account and routing numbers, credit and debit card information, voice recognition data, and photo IDs
1.1.14 Information from your device: This pertains to data like language settings, browser identifiers, cookie preferences, time zone settings, operating system details, platform information, screen resolution, and similar device-related data, including information collected through cookies or other tracking technologies.
1.2 Purpose of Data Collection and Processing
AWEpay will collect and process your Personal Data when you engage with us, be it directly or indirectly. This interaction may encompass actions such as reaching out to us for information, conducting payment transactions, or participating in any of our online activities. The use of this information serves the following purposes:
1.3 Sources from which Personal Data may be obtained
Apart from the personal data you directly provide to us, we may also obtain your Personal Data through the following sources :
1.3.1 AWEpay’s website, events and/or services: This includes your details submitted via our sign-up forms, any online transactions using our e-commerce service, and data collected through cookies used on our website.
1.3.2 Third parties: This category encompasses Service Providers, Partners and Merchants, Payment Partners, such as card networks and payment processors, Credit Reporting Agencies, Government Entities, Data Brokers, and Financial Institutions.
1.3.3 Linked Accounts: these are non-financial or financial accounts that you agree to connect with your AWEpay account. You can opt to change this feature by unlinking your linked account(s) at any time. Should you choose to link these accounts or share such information with us, we will periodically collect and process this data until you unlink your account(s).
1.3.4 Third Party Applications: These are applications of your choice such as the Apple App Store, Google Play Store, or social networking sites.
1.4 Transfer of Personal Data
We may transfer your personal data to other countries outside of your residing country when carrying out any of the purposes stated herein.
1.5 Disclosure to Third Party
1.5.1 Your Personal Data may be disclosed and transferred amongst our holding companies, affiliates, subsidiaries, associate companies and jointly controlled entities which may include companies with varying jurisdictions.
1.5.2 When processing your personal data, we may disclose the same to the following person(s) including but not limited to:
a) Our business partners;
b) Our merchants (on a need-to-know basis to complete the sale transaction);
c) Credit reporting agencies;
d) Other third party service providers;
e) Our auditor, lawyers, consultants, insurers, advisers, bankers, and agents; and
f) All other persons or bodies who provide us with services necessary and/or incidental to our business.
1.6 Consequences of not providing Personal Data
Failure in providing AWEpay with your personal data may result in AWEpay’s inability to procced with the following :
1.6.1 Entering into a service contract or agreement with you;
1.6.2 Communicating notices, value-added services, and updates to you
1.7 Retention of Personal Data
1.7.1 Your personal data will be stored for the necessary period to fulfil the purposes stated above unless a legal obligation requires us to keep it for a longer period. After which, we will proceed to destroy, anonymize or permanently delete your personal data if it is no longer necessary in our database.
1.7.2 Reasons to continue storing your information beyond the fulfilment of the purposes include:
a) to satisfy legal, regulatory, or accounting requirements;
b) to protect the interest of AWEpay
1.8 Direct Marketing
1.8.1 We may use your personal data to furnish you with information about our services and/or products as well as those offered by third parties that may align with your interests, unless you specify otherwise
1.8.2 We may disclose your personal data to preferred merchants and strategic partners. Such disclosure will solely transpire when you have subscribed for specific service(s) and/or product(s) which require such disclosures and/or where your consent has been obtained, subject at all times to applicable laws, including regulations, guidelines and/or obligations applicable to AWEpay
1.8.3 We take reasonable measures to ensure that the third parties we are sharing your personal data with uphold appropriate privacy and confidentiality obligations.
1.8.4 If you do not want your personal data to be used for marketing and promotional purposes, contact us directly via our website (https://awepay.com/#connect). Your most recent written instructions will take precedence.
2.0 DATA PROTECTION & SECURITY
2.1 AWEpay takes reasonable security measures to store and process your personal data securely to prevent the loss, misuse, or unauthorised access of data. These measures include, but are not limited to, those below :
2.1.1 Implementation of a formal information security policy and necessary technology controls such as firewall, password controls, physical security, logging, and monitoring, etc;
2.1.2 Implementation of process controls such as segregation of duties, defined roles, and responsibilities, and need-to-know basis for staff;
2.2 Although we have measures in place to protect your personal data, it’s important to understand that the security of data transmitted online cannot be guaranteed. Therefore, any data transmission over the internet is at your own discretion and risk. We highly recommend that you take personal security precautions, including never sharing your account or login credentials with anyone. If you suspect that any of your login details have been compromised, you can change them at any time while logged in and/or contact us directly via our website (https://awepay.com/#connect) for assistance.
3.0 NOTIFICATION OF CHANGES
3.1 We reserve the right to amend our Privacy Policy at any time to reflect changes to our business, services or applicable laws.
3.2 Notice on any changes or updates on our policy will be communicated through AWEpay’s website (www.AWEpay.com) or via any other mode AWEpay views suitable, which will be clearly informed to you.
4.0 THIRD-PARTY LINKS
4.1 In our ongoing efforts to enhance the experience for our users, AWEpay may include links to websites operated by third parties. It’s important to note that even if these third-party websites have affiliations with AWEpay, we have no authority over their operations, including their privacy practices and data collection methods. These linked websites are provided solely for your convenience, and therefore, accessing them is entirely at your own discretion and risk.
5.0 USE OF COOKIES
5.1 AWEpay uses cookies, which are small text files with pieces of information stored on your computer or device(s) when you visit websites, to collect your device and internet activity information for the purposes of enhancing your online user experience including interest-based advertising, performing analytics, mitigating risk and preventing potential fraud, and promoting trust and safety across our services.
5.2 Users may choose to disable or decline some cookies for our services.
6.0 DECLARATION OF CONSENT
6.1 By clicking YES/SUBMIT in any of our forms, you consent to having AWEpay process your personal information for the purposes stated in clause 1.2.
6.2 AWEpay will only disclose your Bank Account Number and Credit Card Details through our service if we have obtained your consent or if such disclosure is mandated by banks, card associations, competent regulatory bodies, authorities, or other legal obligations.
7.0 LANGUAGE
7.1 This policy has been written in English. To the extent any translated version of our policy conflicts with the English version, the English version shall prevail.