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Privacy

About this security and privacy statement

This Security and Privacy Statement applies to this website which is operated PayEasy Solutions Inc. under the domain name “www.payeasy.solutions” (“PayEasy website”).

This Security and Privacy Statement may also apply to services offered by PayEasy Solutions Inc. on websites hosted by third parties. If so, express reference to this Security and Privacy Statement will be made on those websites.

PayEasy Solutions Inc. understands and appreciates that you, as a PayEasy Solutions Inc. website visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. PayEasy Solutions Inc. is committed to protecting your privacy. This PayEasy Solutions Inc. Security and Privacy Statement explains how your personal information will be treated as you access and interact with the PayEasy Solutions Inc. website.

As the PayEasy Solutions Inc. website develops and as technology evolves, PayEasy Solutions Inc. will continue to strive to provide you with better and more customised services and with a more effective website. PayEasy Solutions Inc. encourages you to review the Security and Privacy Statement periodically because the Security and Privacy Statement may change from time to time.

The PayEasy Solutions Inc. Privacy Policy explains how PayEasy Solutions Inc. generally protects your privacy and confidentiality. The principles set out in the PayEasy Solutions Inc. Privacy Policy also apply to PayEasy Solutions Inc. websites.

In addition to the provisions of this Security and Privacy Statement, there may also be specific and additional privacy provisions which apply to certain sections of the PayEasy Solutions Inc. website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on the PayEasy Solutions Inc. website. In the event of any inconsistency between the provisions of this Security and Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.

Security of information

PayEasy Solutions Inc. takes reasonable steps to preserve the security of cookie and personal information in accordance with the PayEasy Solutions Inc. website Terms of Use and this Security and Privacy Statement. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted). If secure transmission is indicated, PayEasy Solutions Inc. currently uses 128 bit SSL encryption.

PayEasy Solutions Inc. regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although PayEasy Solutions Inc. strives to protect such information, PayEasy Solutions Inc. cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.

Security assurance

PayEasy Solutions Inc. is committed to preventing online fraud. We endeavour to protect your interests by maintaining high standards of security. But we need your help as well. For security reasons you should ensure that your bank account details remain private at all times. Do not knowingly or accidentally share, provide or facilitate unauthorised use of your details by others. In the unlikely event that your account is used in an unauthorised manner through no negligence, fault or fraud on your part, PayEasy Solutions Inc. will compensate you for the full amount of the unauthorised transaction or transactions.

Information collected

The information that PayEasy Solutions Inc. collects about you is dependent on how you use the facilities offered by the PayEasy Solutions Inc. website.

If you visit an unsecure area of the PayEasy Solutions Inc. website (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.

The PayEasy Solutions Inc. website offers a number of interactive facilities including tools such as budget planners and home loan calculators, as well as online surveys and application forms.

If you use any of the tools such as the budget planner or home loan calculator we generally do not capture any personal information that you may enter when using these tools. An exception to this is when a tool such as a budget planner allows you to suspend or save your plan and retrieve the details at a later time. In that case the information is stored on our systems so that you may recover the information when you resume your plan. Any information stored in a suspended or saved budget planner or other similar tool will not be viewed by PayEasy Solutions Inc..

If you decide to complete an online application form or online survey, the information that you enter into the online form or survey will only be collected by PayEasy Solutions Inc. if you submit your online application or survey. If at any stage you cancel your application or log out prior to submitting your application or survey, the information you have entered up to that point will be automatically deleted. You can suspend and save online applications. If you suspend or save your application, for example because you wish to complete it at another time, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. You may only recover this information within 30 days. After this time, the information is deleted. Online applications that have been suspended or saved will not be viewed by us and are not processed by us.

The PayEasy Solutions Inc. website also contains links to the websites of third party providers of goods and services (“Third Party websites”). If you have accessed Third Party websites through the PayEasy Solutions Inc. website and if those third parties collect information about you, PayEasy Solutions Inc. may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from the PayEasy Solutions Inc. website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.

Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Collection of IP addresses

It is necessary for PayEasy Solutions Inc. to collect your IP address for your interaction with various parts of the PayEasy Solutions Inc. website. Your IP address is the identifier for your computer when you are using the internet.

For instance, PayEasy Solutions Inc. collects and stores your IP address when you log into PayEasy Solutions Inc. Internet Banking. As part of our security for PayEasy Solutions Inc. Internet Banking, PayEasy Solutions Inc. uses this information when we attempt to detect and prevent fraudulent transactions in Internet Banking. We store your IP address for security and audit purposes. Your IP address will not be used by us or released to any third party except in the case of security, inappropriate behaviour or fraud issues, such as unauthorised access to your or our computer systems or fraudulent transactions.

Advertising and tracking

PayEasy Solutions Inc. uses Doubleclick International Asia BV to deliver its online advertising where PayEasy Solutions Inc. banner advertisements are placed on Third Party websites (‘Advertising Company’).

When you view an PayEasy Solutions Inc. advertisement on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

The server your computer is logged onto.

  • Your browser type.
  • The date and time of your visit.
  • The performance of their marketing efforts.

When you access the PayEasy Solutions Inc. website after viewing an PayEasy Solutions Inc. advertisement on a Third Party website, the advertising company collects information on how you utilise the PayEasy Solutions Inc. website (eg which pages you view) and whether you complete an online application.

In addition, PayEasy Solutions Inc. also uses the following companies to collect information on how you utilise the PayEasy Solutions Inc. website:

  • Nielsen//NetRatings
  • Omniture

(‘tracking companies’). These tracking companies also use cookies to collect information similar to that collected by the advertising company.

The advertising company and tracking companies (‘companies’) use that information to perform statistical analyses of aggregate user behaviour, but those analyses are not based on personal information. PayEasy Solutions Inc. uses those analyses to measure advertising effectiveness and relative consumer interest in the various areas of the PayEasy Solutions Inc. website. As a general rule, no personal information is collected by the Companies in this process. If, however, any information is automatically collected, these companies are required under their arrangements with PayEasy Solutions Inc. to maintain the privacy and confidentiality of that personal information.

We may disclose the information collected by a Company, in an aggregate form only, to third parties including advertisers or potential advertisers.

Cookies

We use “cookies” as a fundamental part of our interaction with your Internet browser. The purpose is to provide you with better and more customised service and with a more effective website.

A “cookie” is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

PayEasy Solutions Inc. uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits the PayEasy Solutions Inc. website. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

  • to allocate an PayEasy Solutions Inc. identification number to your Internet browser (but we cannot identify you from this number);
  • to determine if you have previously visited the PayEasy Solutions Inc. website;
  • to identify pages you have accessed and Third Party websites you have accessed; and
  • for security purposes.

Most of the PayEasy Solutions Inc. website operates by using this type of cookie.

Accordingly, if you wish to make full use of the PayEasy Solutions Inc. website, it is required that you accept cookies.

PayEasy Solutions Inc. also uses cookies for secure services (that is, an area where PayEasy Solutions Inc. uses encryption) on the PayEasy Solutions Inc. website. These cookies are used for a variety of purposes, including for security and personalisation reasons. If your browser is configured to reject all cookies you will be unable to use secure services on the PayEasy Solutions Inc. website that require cookies in order to participate. Those services include (but are not limited to):

  • Online applications;
  • Online surveys.

You may still be able to use some information-only pages even if you do not accept cookies.

How we handle email

We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by our PayEasy Solutions Inc. employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.

Use and disclosure of information

We will only use or disclose personal information or information generated by cookies in accordance with the PayEasy Solutions Inc. Privacy Policy, specific and additional provisions relating to privacy which apply to certain areas of the PayEasy Solutions Inc. website and as otherwise set out in this Security and Privacy Statement.

Acceptance and changes to security and privacy statement

You acknowledge and accept that your use of the PayEasy Solutions Inc. website indicates your acceptance of the PayEasy Solutions Inc. website Terms of Use and the Security and Privacy Statement.

This is the current Security and Privacy Statement. It replaces any other Security and Privacy Statement for the PayEasy Solutions Inc. website published on the PayEasy Solutions Inc. website to date. PayEasy Solutions Inc. may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the PayEasy Solutions Inc. website. You accept that by doing this, PayEasy Solutions Inc. has provided you with sufficient notice of the variation.