Paygate Dubai Private Limited (‘Paygate’) and its subsidiaries (including all subsidiaries across the globe) are committed to protecting and respecting the information you will provide by filling out the forms on our Site. The Privacy Policy has been prepared to protect and secure your privacy. You can be assured that we shall use your personal information only in accordance with this Privacy Policy. Please read and understand carefully that the Paygate’s Privacy Policy is to know our views and practices regarding your data and how we use it.

The information which you have provided at the time of registration on our website and while subscription of our various services this may include but not limited to:

• Name
• Designation
• Contact information including email address.
• Business information.
• Demographic information like postcodes, preferences and interests.
• Any other information related / relevant to our application process.

Why do we collect your information?

1. To personalize user experience:

We may use information to understand how our users as a group use the services and resources provided on Paygate Website.

2. To improve customer service:

Your information helps us to respond more effectively to your customer service requests, enquiry and support needs.

3. To process your application:

We use the information collected to understand the nature and profile of your business and accordingly approve or decline your application.

4. For marketing purposes:

We may use your information for promotional activities of our new products and features, special offers and for advertising our products and services.

5. To periodic Communications:

The email/contact number/address provided will be used to send information and updates pertaining to our Site and our services. It may also be used to respond to your enquiry, and/or other requests. If the user decides to opt-in to our mailing list, they will receive emails that may include Paygate news, updates, related product or service Information, etc.

6. For Payment Information

We take the privacy and security of your payment information seriously. Credit/debit card details and personally identifiable information are not sold, shared, or rented to third parties.

 

Data Storage and access

The data we collect from you is stored in our system servers and will be treated with utmost confidentiality. Your personal information will be used only by Paygate for all business transactions that require your information to complete the transactions.

 

Disclosure of your Information

Paygate may disclose your personal information to any of our subsidiaries.

For the further growth of the Paygate, we may acquire any business or asset. In such case we may disclose your personal data to the prospective buyer of such business or assets.

Paygate may transfer information that we collect about you, including personal information across borders and from your country or jurisdiction to other countries or jurisdictions around the world. Note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction.

In case, Paygate or its Subsidiaries are acquired by a third party, in which case information held by it about its customers will be one of the transferred assets. If we are under a duty to disclose or share your personal data to comply with any legal obligation, or to enforce or apply our terms of use and other agreements; or to protect the rights, property or safety of us, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Paygate may allow a third-party application to access your information in cases where a need arises for verification of your data and other validation purposes. Paygate ensures that verification processes used by third party application will help to make your account safe from fraud or any money laundering.

Compliance with OFAC Sanctions

Our website will not provide services or products to any Office of Foreign Assets Control (OFAC) sanctioned countries per UAE law.

You certify that you meet the legal age requirements for using our fintech services in your country of residence.

Security and Retention:

Paygate recognizes its responsibility to always keep confidential and secure any information that
paygate receives in connection with a transaction. Paygate has all the necessary electronic and physical procedures in place to keep your information secure from unauthorized access. When you log into your Paygate account, all Internet communication is secured using Secure Socket Layer (SSL) technology with 256-bit encryption security. For your own safety, please make sure never to share your Paygate login details with anyone.

Notwithstanding anything contained in this Policy or elsewhere, to the extent permissible under applicable laws, Paygate shall not be held responsible for any loss, damage or misuse of your Personal Information/Non-Personal Information/Sensitive Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event (as defined below).

A Force Majeure Event shall mean any event that is beyond the reasonable control of Paygate and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, epidemic, unauthorized access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond reasonable control of Paygate), power or electricity failure or unavailability of adequate power or electricity.

Internet Cookies

Cookies are text files, used by your computer’s browser, that store visitor session data. Cookies, by themselves, do not identify the individual user. Cookies are commonly used on the Internet and do not harm your system.

Cookies are mainly used to measure web traffic, for keeping records and to let you know when you visit a particular site. But cookies never give us access to any other information other than what you choose to share with us.

Cookies also help us in analyzing data to be used in improving our website, eventually giving you a better user experience. Users generally have the option to accept or decline cookies. However, please note that you will not get the full benefit of using the website if you choose to decline.

When you register on our website, information about your computer, including where available is your IP address, operating system and browser type for system administration, will be recorded. We may collect the same information by email or by any other mode of communication. This is statistical data about our users’ browsing actions and patterns and does not identify any individual. This is required for more accurate reporting and improvement in the services.

 

Third Party Websites

Users may find advertising or other content on our site that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. Paygate does not control the content or links that appear on these sites and is not responsible for the practices employed by those websites.

Browsing and interaction on any other website, including websites that have a link to our Site, is subject to that website’s terms have a link to our Site, is subject to that ee the protection and privacy of information you may provide to such websites.

 

Updating your Information

If your personal or professional information (such as your name, address, or telephone number) needs to change, you must update your details by contacting Paygate on our contact us page.

To avoid inconvenience to all, Paygate strongly advises keeping all information up to date and correct. Paygate will be exempt from any responsibility in the rare event where losses may arise from not updating your information.

 

Terms and Conditions
Jurisdiction

This Privacy Policy is governed by and shall be construed in accordance with the laws of United Arab Emirates and any disputes arising out of or in connection with this Agreement shall be subject to jurisdiction of the Courts of UAE.

Indemnity

You shall indemnify and hold harmless Companies, its officers, directors, contractors or agents and any third parties relying on the information provided by you for any losses, including all claims, damages, liabilities, deficiencies, assessments, interest, awards, settlements, penalties,

fines, costs or expenses, suffered, incurred, sustained by, or imposed on Safexpay, as a result of, arising out of, with respect to, in connection with or by reason of a breach or non-performance of any of the terms, conditions, representations, warranties or covenants contained in this Privacy Policy by You.

Other Websites and Services

We are not responsible for the practices employed by any websites or services linked to or from our Service, including the information or content contained mentioned there. Please remember that when you use a link to go from our Service to another website or service, our Privacy Policy does not apply to those third-party websites or services.

You’re browsing and interaction on any third-party website or service, including those that have a link on our website, are subject to that third party’s own rules and policies. Further, you agree that we are not responsible and do not have control over any third-parties website/Services that you authorize to access your User Content. If you are using a third-party website or service and you allow them to access your User Content, you do so at your own risk.

Refund Policy

Refunds, when applicable, will be issued using the original mode of payment used for the transaction.

Customer Rights:

We acknowledge and agree with the individual’s right to access their Personal Data.

We shall allow an individual access to their Personal Data further we allow the individual the occasion to correct, amend or delete inaccurate information, except where the burden or expense of providing access would be disproportionate to the risks to the privacy of the individual is in question or where the rights of persons other than the individual would be violated.

Individuals may contact our Privacy Officer via email to request access. Contact information can be found below.

Grievance redressal:

Please write your concerns to: For Paygate Dubai Private Limited

• Contact on: Email: care@safexpay.ae

For Paygate Dubai Private Limited:

• Address- 206, 2nd floor, Bayswater Tower, Marasi Drive, Business Bay, Dubai, UAE
• Working hours: 9 a.m. to 7 p.m.

Paygate reserves the right to amend this policy at any point in time at its discretion and accordingly update this page. Please check this page periodically to make sure you are happy with the changes.

Policy w.e.f. 7^th September 2023