Tại SMARTPAY.CLICK Ltd. ("SMARTPAY" hoặc "chúng tôi"), chúng tôi tôn trọng quyền riêng tư cá nhân và chúng tôi cam kết giữ thông tin chính xác, bảo mật và an toàn. Chúng tôi đã thông qua Chính sách Bảo mật để đảm bảo rằng SMARTPAY luôn tuân thủ các cam kết của mình về bảo mật.

GIỚI THIỆU

SMARTPAY cung cấp một loạt các sản phẩm và dịch vụ cho mọi người, bao gồm nhưng không giới hạn đến việc xử lý thanh toán liên quan đến sử dụng thẻ ghi nợ và thẻ tín dụng. SMARTPAY vừa là nhà cung cấp thiết bị xử lý vừa là nhà xử lý thanh toán cho các thương nhân đã và đang sử dụng thiết bị xử lý của chúng tôi.
Trong quá trình cung cấp các sản phẩm và dịch vụ này cho người bán (ví dụ như các nhà bán lẻ), SMARTPAY có thể thu thập, với sự đồng ý, một số thông tin cá nhân về các thương nhân. Ngoài ra, SMARTPAY có thể nhận thông tin cá nhân từ khách hàng của các thương nhân trong quá trình cung cấp dịch vụ thanh toán của SMARTPAY. SMARTPAY chịu trách nhiệm về các thông tin cá nhân mà nó thu thập, sử dụng hoặc tiết lộ cũng như thông tin cá nhân mà nó nhận được từ khách hàng của các thương nhân của nó.

"Thông tin Cá nhân" có nghĩa là thông tin về một cá nhân có thể xác định được. Điều này có thể bao gồm, nhưng không giới hạn, tên của cá nhân, địa chỉ nhà riêng, tuổi, thu nhập, sức khoẻ hoặc thông tin tài chính. Thông tin Cá nhân không bao gồm tên, chức vụ, địa chỉ kinh doanh hoặc số điện thoại của nhân viên của một tổ chức.
Chính sách bảo mật của SMARTPAY dựa trên Đạo luật về Bảo vệ Thông tin Cá nhân và Tài liệu Điện tử của Vương quốc Anh.

Chính sách Bảo mật này mô tả mười nguyên tắc mà SMARTPAY theo dõi để đảm bảo rằng chúng tôi bảo vệ Thông tin Cá nhân mà chúng tôi nhận được, thu thập, sử dụng hoặc tiết lộ trong quá trình hoạt động kinh doanh của chúng tôi. Tất cả nhân viên của chúng tôi có quyền truy cập thông tin cá nhân phải tuân theo Chính sách bảo mật SMARTPAY và thủ tục liên quan. Để đạt được điều này, SMARTPAY đã chỉ định một Giám đốc an ninh để đảm bảo sự tuân thủ của tất cả nhân viên của SMARTPAY và để giải quyết mối quan ngại về sự riêng tư.
Bằng cách gửi Thông tin Cá nhân của bạn tới SMARTPAY, bạn xác nhận sự chấp thuận của bạn đối với việc thu thập, sử dụng và tiết lộ Thông tin Cá nhân của bạn theo Chính sách này. Nếu bạn không đồng ý với các điều khoản của Chính sách Bảo mật này, vui lòng không cung cấp bất kỳ Thông tin Cá nhân nào cho SMARTPAY.

MƯỜI NGUYÊN TẮC BẢO MẬT

Mười nguyên tắc sau đây quản lý hành động của chúng tôi khi chúng liên quan đến việc sử dụng Thông tin Cá nhân:

  • Principle 1 – Accountability
  • Principle 2 – Identifying Purposes
  • Principle 3 – Consent
  • Principle 4 – Limiting Collection
  • Principle 5 – Limiting Use, Disclosure and Retention
  • Principle 6 – Accuracy
  • Principle 7 – Safeguarding Personal Information
  • Principle 8 – Openness
  • Principle 9 – Access
  • Principle 10 – Addressing Complaints
Principle 1 – Accountability

SMARTPAY has designated a Chief Privacy Officer. The Chief Privacy Officer is ultimately responsible for Personal Information under the control of SMARTPAY and is accountable for compliance with the terms and procedures of this Chính sách bảo mật. Any individual that wishes to challenge SMARTPAY’s procedures, or wishes to make a complaint about SMARTPAY’s Personal Information handling practices should contact the Chief Privacy Officer. For contact information, please refer to "Principle 10 – Addressing Complaints" below.

Principle 2 – Identifying Purposes

SMARTPAY informs individuals of the purposes for which it is collecting Personal Information, before or at the time the information is collected from such individuals.
In particular, SMARTPAY informs merchants of the purposes for which it uses its Personal Information and the Personal Information of such merchant’s customers, before or at the time the information is received by SMARTPAY.

Principle 3 – Consent

SMARTPAY will obtain an individual’s consent before or when it collects, uses or discloses Personal Information. In obtaining consent, SMARTPAY will use reasonable efforts to ensure that such individual is advised of the identified purposes for which Personal Information will be used or disclosed. In determining the appropriate form of consent, SMARTPAY will take into account the sensitivity of the Personal Information and the reasonable expectations of a reasonable person. Consent will not be obtained through deception.
Consent can be express, implied, or given through an authorized representative. Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. SMARTPAY will inform an individual of the implications of such withdrawal. However, SMARTPAY may collect, use or disclose Personal Information without an individual’s knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
When Personal Information is received by SMARTPAY for processing from a merchant, the responsibility for obtaining consent for the provision of Personal Information to SMARTPAY rests with the referring merchant. SMARTPAY expects that merchant’s customers will understand that such merchant may forward the Personal Information of its customers for processing and thus assumes the implied consent of the merchant’s customer when SMARTPAY receives the Personal Information.

Principle 4 – Limiting Collection

The information collected by SMARTPAY will be limited to those details necessary for the purposes it has identified to the individual or the merchants to perform the services requested. Information will be collected by fair and lawful means.

The Kind of Information We Collect

SMARTPAY receives from merchants, Personal Information including a merchant’s and/or its principal’s name, contact information, home address, date of birth, and bank account information, so that the information may be used to perform a credit check prior to accepting the merchant as a purchaser of SMARTPAY’s payment processing equipment.
SMARTPAY also receives from merchants, Personal Information regarding such merchants’ customers, pursuant to such customers’ use of SMARTPAY’s payment processing terminal. This Personal Information includes such customers’ name, home address, bank account information, debit or credit card information and related purchase details, all of which is encrypted.
SMARTPAY gathers and uses Personal Information in order to provide the products and services requested. SMARTPAY may also use Personal Information to update our services and to offer additional products or services that our customers may be interested in.

If you visit SMARTPAY websites, we do not collect personally identifiable information about you unless you provide it. All information that you do provide us with is securely maintained and kept strictly confidential. This Chính sách bảo mật does not apply to aggregated data from which it is not possible to determine the identity of a specific individual. SMARTPAY reserves the right to use aggregated data in any manner that it determines is reasonable and/or appropriate. By accessing and browsing our website, you agree that we may collect, use and disclose any Personal Information about you through our website as described in this Policy.

Anonymous Information and "Cookies"

SMARTPAY may collect anonymous information about you. This means that the information collected cannot be traced back to a specific person. For example, our web servers may record certain information automatically when you visit SMARTPAY websites. This information is collected using "cookies" and might include the pages you visited, your IP (Internet Protocol) address and other site usage statistics. This anonymous information is used for research and analytical purposes only (like evaluating how many visitors our websites receive or which pages they visit most often). It does not reveal any Personal Information about you, the user. This aggregate data may be disclosed to third parties, but never with personally identifying information.

"Cookies" are small text files that contain a unique identification number that allows our computers to identify your web browser (but not you) each time you visit one of our websites that uses cookies. The information helps SMARTPAY improve the functionality of the site and enhance the navigation and security of your session. Most major websites use this technology and most browsers are set up to accept them.

Principle 5 – Limiting Use, Disclosure and Retention

Personal Information will only be used or disclosed for the purpose for which it was collected or received unless the individual has otherwise consented. Personal Information may only be retained for the amount of time needed to fulfil the purpose for which it was collected or received.
In certain exceptional circumstances, SMARTPAY may have a legal duty or right to disclose Personal Information without an individual’s knowledge or consent.

How We Use Your Information

At SMARTPAY we may use Personal Information to carry out one or more of the following:

  • To communicate with customers in order to provide our products and services.
  • To assist in the development and marketing of our products and services.
  • To conduct credit investigations and collect financial information from credit reporting agencies.
  • To forward to financial institutions and debit and credit card associations (including Visa, Mastercard and Interac).
  • To establish and maintain relations with customers, suppliers, financial institutions, and affiliates, and to provide ongoing products and services, administer accounts, make and receive payments, engage in leasing arrangements and fulfill contractual obligations.
  • To develop, enhance, market, sell, provide and inform our customers of products and services of third parties, including our affiliates with whom SMARTPAY has a commercial relationship.
  • To update and verify our databases and information provided by third parties.
  • To engage in business transactions, including without limitation, the reorganization, purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposition, securitization or financing involving SMARTPAY or its affiliates.

We will only use Personal Information for the purpose that we have previously disclosed. If we want to use the information for a different purpose, we will notify the individual or merchant and obtain their consent first.

When We are Permitted to Disclose Information

(i) When Authorized

Many of the services offered by SMARTPAY require us to use Personal Information in order to perform the services we have been engaged to provide. We will always obtain consent first, and we will never use the information for purposes other than those we have previously disclosed.

Consent may be withdrawn at any time, subject to any legal or contractual implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested.

(i) When Authorized

In some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.

(ii) When Required by Law

The legislation has provided certain situations where SMARTPAY is legally permitted to disclose Personal Information without your consent. Examples for the disclosure of Personal Information include situations involving the collection of debt in arrears, medical emergencies, or suspicion of illegal activities.

How We Use Your Information

With Whom We May Share Information

(i) SMARTPAY Employees

In the course of daily operations, access to Personal Information is limited to those employees with a legitimate reason for accessing it. As a condition of their employment, SMARTPAY employees are required to follow all applicable laws and regulations, including this Chính sách bảo mật. Unauthorized use or disclosure of confidential Personal Information by any SMARTPAY employee is prohibited and may result in disciplinary measures.

[NTD: Confirm process at SMARTPAY regarding employees and confidentiality]

(ii) SMARTPAY Affiliates

In order to better meet our customers’ needs, we may share some Personal Information with SMARTPAY affiliates. Should you not want to receive promotional materials from or have your Personal Information shared with SMARTPAY affiliates please contact the Chief Privacy Officer at the address, phone number or email address provided at the end of this Policy.

(iii) SMARTPAY Third Party Contractors

We may engage and coordinate third party contractors to provide you with certain services offered through SMARTPAY. Such contractors are only given the information that is needed to provide the specific service for which we contract them to provide. Contractors are obliged to protect the confidentiality of your Personal Information and are prohibited from doing anything with this information that we have not authorized them to do. They are required to treat your Personal Information in a manner consistent with the SMARTPAY Chính sách bảo mật.

(iv) Sale of Business

We may transfer your Personal Information to a third party in connection with a reorganization, sale, merger or other disposition (whether of assets, stock or otherwise) of our business. Personal Information may be disclosed to a potential successor of our business, for the purpose of allowing the potential successor to asses and evaluate our operations.

Principle 6 – Accuracy

SMARTPAY will keep Personal Information as accurate, complete and current as necessary to fulfil the identified purposes for which it was collected or received. You may have this information amended where it is found to be inaccurate or incomplete.

Principle 7 – Safeguarding Information

Personal Information is safeguarded using measures appropriate to the sensitivity of the information.

How We Safeguard Information

SMARTPAY will use reasonable efforts and security measures to protect Personal Information against loss or theft, as well as unauthorized access, use and disclosure. SMARTPAY has extensive controls in place to maintain the security of its information and information systems. Files containing Personal Information are stored according to the sensitivity of the information contained therein and are backed up at offsite locations. Appropriate technological controls (such as passwords, encryption, firewalls) are placed on our computer systems and data processing procedures. Physical controls (such as locked filing cabinets, restricting access to offices, alarm systems) are in place as are organizational controls (such as staff training and access on a "need to know basis").

SMARTPAY may store and process your Personal Information at SMARTPAY’s offices in Canada, or elsewhere. To the extent SMARTPAY employs third-party service providers to store, handle or, process Personal Information on our behalf, we will use contractual and other means in an attempt to provide a comparable level of protection. Service providers, however, may be located in various countries, so please be aware that authorized officials of governments in those countries may be lawfully able to access your Personal Information without your knowledge or consent pursuant to the laws of such countries.

Website Security

The SMARTPAY website may contain links to other websites, including those of its business partners. SMARTPAY is in no way responsible and cannot guarantee the content or privacy of other sites linked to our website.

Principle 8 – Openness

SMARTPAY will make available to its customers (including customers of merchants) information about the policies and procedures SMARTPAY uses to manage Personal Information.

Principle 9 – Access

Upon written request to SMARTPAY’s Chief Privacy Officer, you will be informed of the existence, use and disclosure of your Personal Information and will be given access to it. You also have the right to verify or amend the information if it is shown to be inaccurate. SMARTPAY will respond to all such requests as efficiently as possible and no later than 30 days for a request for Personal Information. If SMARTPAY is prohibited from providing such access they will explain the reasons for the lack of access, except where prohibited by law.

Principle 10 – Addressing Complaints and Suggestions

You may challenge SMARTPAY’s compliance with this Chính sách bảo mật. SMARTPAY has policies and procedures to receive, investigate and respond to complaints and questions regarding this Chính sách bảo mật and our receipt, collection, use and disclosure of Personal Information. Complaints will be investigated and where a complaint is found to be justified, SMARTPAY will take appropriate measures, including amending our policies and practices, when necessary. You may contact SMARTPAY’s Chief Privacy Officer to make a complaint, express any concerns or to request access to your Personal Information.