EFTPay respects your privacy and is committed to protecting your Personal Data. We want to be transparent with you about how we collect and use your Personal Data in making available (i) the EFTPay website at eftgateway.com (the Site), (ii) the EFTPay free download QR Code applications for the App Store (iPhone) and Google Play (Android), (the App), and (iii) EFTPay’s related online and mobile services as described in the Terms of Use (together with the Site and the App, the Services) and tell you about your privacy rights and how the law protects you.
This Privacy Policy aims to give you information on how EFTPay collects and processes your Personal Data through your use of the Services, including any data you may provide through the Services.
The Privacy Policy is intended to meet our duties of Transparency under the General Data Protection Regulation or GDPR.
We will post any modifications or changes to this Privacy Policy on this page.
Eft Corporation is incorporated in the Republic of Mauritius with registration number I10004851 and with a registered office at Suite 308, 3rd Floor, NG Tower, Cybercity, Ebene, Mauritius.
This Privacy Policy is issued on behalf of the entire Eft Corporation so when we mention “Scan to Pay”, “we”, “us” or “our” in this Privacy Policy, we are referring to the relevant company(ies) in EFT Corporation responsible for processing your Personal Data.
We will let you know which entity(ies) are the Controller(s) (for the purposes of the GDPR) of your Personal Data if you ask us to give you this information by contacting us at the details below.
You can contact us by emailing: www.eftcorp.com Questions, comments or concerns regarding this Privacy and Cookie Policy or our use of your personal data are welcomed
Under certain circumstances, by law you have the right to:
If you would like to make a complaint regarding this Privacy Policy or our practices in relation to your Personal Data, please contact us at: www.eftcorp.com
We will reply to your complaint as soon as we can.
If you feel that your complaint has not been adequately resolved, please note that the GDPR gives you the right to contact your local data protection supervisory authority.
EFTPay will not send you any marketing communication via SMS or email. The only communications we need to send to you is to notify you of changes to our terms and conditions and policies, updates, security alerts, and support and administrative messages regarding the Services.
All the Personal Data we collect, both from you and from third parties about you, is outlined in the table below. Before you read that table, it might be useful to explain what Personal Data is. Essentially, it boils down to: information about an individual, from which that individual is either directly identified or can be identified.
It does not include ‘anonymous data’ (i.e., information where the identity of individual has been permanently removed)
However, it does include ‘indirect identifiers’ or ‘pseudonymous data’ (i.e., information which alone doesn’t identify an individual but, when combined with certain additional and reasonably accessible information, could be attributed to a particular person).
| Category of Personal Data collected | What this means |
|---|---|
| Identity Data | First name, surname, date of birth, facial recognition via forward-facing camera. |
| Contact Data | Email address and telephone numbers. |
| Financial Data | Payment card details. |
| Transaction Data | Any details about payments to and from you and other details of services you have purchased from us. Data in respect of your transactions with third parties. |
| Service Data | Your data that you provide to us when you report a problem or ask a question in respect of our Services or when you request further services from us. If you contact us, we may keep a record of that correspondence. |
| Technical Data |
This includes:
|
| Special Category of Personal Data | Application \ User Account Profile Picture. |
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your Personal Data, but once in aggregated form it will not constitute considered Personal Data for the purposes of the GDPR as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Behavioral Data to calculate the percentage of users accessing a specific Services feature. However, if we combine or connect Aggregated Data with your Personal Data so that it can directly or indirectly identify you, we treat the combined data as Personal Data which will be used in accordance with this Privacy Policy.
The Scan to Pay application has a feature to upload an image against your profile after a successful registration. This image is collected and stored on our system but never shared.
We will only use your Personal Data for the purposes for which we collected it as listed below, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose
If we need to use your Personal Data for an unrelated purpose, we will update this Privacy Policy and we will explain the legal basis which allows us to do so.
In respect of each of the purposes for which we use your Personal Data, the GDPR requires us to ensure that we have a legal basis for that use. Most commonly, we will rely on one of the following legal bases:
Generally we do not rely on your Consent as a legal basis for using your Personal Data, other than in the context of direct marketing communications.
We have set out below, in a table format, the legal bases we rely on in respect of the relevant Purposes for which we use your Personal Data.
| Purpose | Category(ies) of Personal Data involved | Why do we do this | Our legal basis for this use of data |
|---|---|---|---|
| Account Creation |
|
To register you as a new customer. | Contractual Necessity. |
| To process payments (and their associated services and functionalities) |
|
To process and deliver your order including manage payments, fees and charges. | Contractual Necessity. |
| Fraud Prevention |
|
To keep our services and associated systems operational and secure. | Legitimate Interests. We have a legitimate interest in ensuring the ongoing security and proper operation of our services and ensuring we are within our processing obligation with our payment service providers. |
| Troubleshooting |
|
To track issues that might be occurring on our systems and to notify you of updates and security alerts. | Legitimate Interests. It is in our legitimate interests that we are able to monitor and ensure the proper operation of our Services and associated systems and services. |
| Data analysis, and improvements to our Services |
|
To carry out audits and data analysis to identify usage trends, improve the Services and improve the effectiveness of our communications. | Legitimate Interests. It is in our legitimate interests that we are able to use audit and data analysis to improve the Services and improve the effectiveness of our communications. |
| Customer Services |
|
To provide customer service, including to respond to your enquiries and fulfil any of your requests for information in respect of the Services. | Contractual Necessity. |
| Personalization |
|
To personalize your experience on the App by presenting information tailored to you and your geographic location. | Legitimate Interests. It is in our legitimate interests that we are able to provide a more personalized service to you to improve your experience of the Services. |
| Marketing |
|
To form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which services and offers may be relevant for you. | Legitimate Interests. We have a legitimate interest in providing you with updates on our Services, including in-App promotions, upcoming events, and other news about products and services offered by us and related offers where you have purchased or shown interest in similar services from us. |
| Compliance with law and regulation |
|
We may use data as we believe to be necessary or appropriate: (a) under applicable law; (b) to comply with legal process and our regulators; (c) to respond to requests from public and government authorities; (d) to enforce or apply this Privacy and Cookie Policy or our Terms of Use; (e) to protect our operations; (f) to protect our rights, privacy, property or safety, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain | Depending on the circumstances, our legal basis may be:
|
Where we need to process your Personal Data either to comply with law, or to perform the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with the functionalities of the Services).
In this case, we may have to stop you using our Services have with us but we will notify you if this is the case at the time.
In addition to the Personal Data that we collect directly from you (as described in the section immediately above this one), we also collect certain of your Personal Data from third party sources. These sources are broken down in the table below, together with a description of whether they are publicly available or not.
| Third party data source | Publicly available? | Category(ies) or other types of personal data received. |
|---|---|---|
| Social Media | Yes |
|
| Our Affiliates | Yes |
|
Cookies.
What are cookies?
We may collect information using cookies. Cookies are small data files stored on the hard drive of your computer or mobile device by a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer or mobile device until you delete them) to provide you with a more personal and interactive experience on our Site. Other than our Site, our Services do not use cookies.
We use two broad categories of cookies:
Cookies we use
Our Site uses the following types of cookies for the purposes set out below:
| Type of cookie | Purpose |
|---|---|
| Strictly Necessary Cookies | These cookies are essential to provide you with services available through our Site and to enable you to use some of its features. For example, they allow you to log in to secure areas of our Site and require you to re-enter your password after a certain period of time has elapsed to protect you against others accidentally accessing your account contents. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services. |
| Functionality Cookies | These cookies are used to recognize you when you return to our Site and allow our Site to remember choices you make when you use our Site, such as remembering your language preferences, remembering your login details and remembering the changes you make to other parts of our Site which you can customize. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you visit our Site. We also use these cookies to obtain information about your visit, including items you viewed or searched for, page response times and download errors. |
| Analytics and Performance Cookies | These cookies are used to collect information about traffic to our Site and how users use our Site. The information gathered via these cookies does not “directly” identify any individual visitor. However, it may render such visitors “indirectly identifiable”. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access our Site. The information collected is aggregated and anonymous. It includes the number of visitors to our Site, the websites that referred them to our Site, the pages they visited on our Site, what time of day they visited our Site, whether they have visited our Site before, and other similar information. We use this information to help operate our Site more efficiently, for example, by ensuring that users are finding what they are looking for easily, as well as to gather broad demographic information and to monitor the level of activity on our Site. We also use these cookies to obtain information about your visit, including the full Uniform Resource Locators (URL) clickstream data, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from webpages. We use Google Analytics for this purpose. Google Analytics uses its own cookies. It is only used to improve how our Site works. You can find out more information about Google Analytics cookies here: https://developers.google.com/analytics/resources/concepts/gaConceptsCookies. You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html |
Disabling cookies
You can typically remove or reject cookies via your browser settings. In order to do this, follow the instructions provided by your browser (usually located within the settings, help tools or edit facility). Many browsers are set to accept cookies until you change your settings.
If you do not accept our cookies, you may experience some inconvenience in your use of our Site. For example, we may not be able to recognize your computer or mobile device and you may need to log in every time you visit our Site.
Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org and http://www.youronlinechoices.com/uk/ In particular, you can disable cookies which remember your browsing habits and target advertising at you by visiting http://www.youronlinechoices.com/uk/your-ad-choices. If you choose to remove targeted or advertising cookies, you will still see adverts but they may not be relevant to you. Even if you do choose to remove cookies by the companies listed at the above link, not all companies that serve online behavioral advertising are included in this list, and so you may still receive some cookies and tailored adverts from companies that are not listed.
You can also prevent the use of Google Analytics relating to your use of our Site by downloading and installing the browser plugin available via this link: https://tools.google.com/dlpage/gaoptout?hl=en-GB
To opt out of being tracked by Google Analytics across all websites visit https://tools.google.com/dlpage/gaoptout and download and install the linked add-on for your current web browser. The Google Analytics Opt-out Browser Add-on is available for Microsoft Internet Explorer, Google Chrome, Mozilla Firefox, Apple Safari and Opera
Please note that certain third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. If you would like to disable these "third party" cookies generated by advertisers or providers of targeted advertising services, you can turn them off by going to that third party's website and setting your cookie preferences to stop any further cookies being written to your device.
The table below describes who we share your Personal Data with, what we share and why we share it.
| Recipients | Category(ies) of Personal Data we share. | Why we share it | Location(s) |
|---|---|---|---|
| Our Affiliates |
|
Our affiliates help us provide our service and help manage our customer relationships (including providing customer support, customer liaison etc). |
|
| Service Providers |
|
Our service providers provide us with IT and system administration services and KYC services. |
|
| Professional advisers |
|
Our lawyers, bankers, auditors, and insurers provide consultancy, banking, legal, insurance and accounting services. |
|
| Regulators and other authorities |
|
Authorities may require reporting of processing activities in certain circumstances |
|
| Analytics Providers |
|
Our analytics providers will use this information for the purpose of evaluating your use of our Sites, compiling reports on Site activity and providing other services relating to Site activity and internet usage. Our analytics providers may also transfer this information to third parties where required to do so by law, or where such third parties process the information on our analytics providers’ behalf. |
|
We endeavor to ensure that people to whom we provide Personal Data hold it subject to appropriate safeguards and controls. Whenever we transfer your Personal Data out of Europe, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
We have put in place appropriate security measures to prevent your Personal Data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed.
We limit access to your Personal Data to those employees and other staff who have a business need to have such access. All such people are subject to a contractual duty of confidentiality.
We have put in place procedures to deal with any actual or suspected Personal Data breach. In the event of any such breach, we have systems in place to work with applicable regulators. In addition, in certain circumstances (e.g., where we are legally required to do so) we may notify you of breaches affecting your Personal Data.
We will only retain your Personal Data for so long as we reasonably need to use it for the purposes set out above , unless a longer retention period is required by law (for example for regulatory purposes).
The table below shows our standard retention practices:
| Category of Personal Data | Retention period |
|---|---|
| Technical Data | For so long as retention is necessary to fulfil the Purposes/Use for which it is used (see How we use your Personal Data and why) |
| Service Data | For so long as you remain a customer of ours. |
| Contact Data | For so long as retention is necessary to fulfil the Purposes/Use for which it is used (see How we use your Personal Data and why) |
| Transactional Data | For so long as retention is necessary to fulfil the Purposes/Use for which it is used (see How we use your Personal Data and why) |
This Services may include links to third-party websites, plug-ins and applications. We are not responsible for the privacy or other practices of any such third parties. Clicking on those links or enabling those connections may allow third parties to collect or share your Personal Data. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Services, we encourage you to read the privacy policy of every site you visit.