Paytiks respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how Paytiks collects, uses, stores, shares, and protects personal information when you visit our website, create an account, use our merchant dashboard, access our payment gateway, use our APIs, contact us, or use any other Paytiks service.
By using Paytiks, you acknowledge that you have read and understood this Privacy Policy.
1. ABOUT PAYTIKS
Paytiks provides payment infrastructure and technology services that help businesses accept, manage, reconcile, and monitor online payments through payment gateways, hosted checkout, payment links, APIs, integrations, and merchant tools.
2. INFORMATION WE COLLECT
We may collect personal and business information that you provide directly to us, including your name, email address, telephone number, business name, business address, account credentials, company registration information, identity-verification information, ownership information, tax information, banking information, payment details, customer-support messages, and information submitted through forms or account applications.
When you use our Services, we may collect information about transactions, payment methods, payment status, refunds, chargebacks, settlement activity, device information, IP address, browser type, operating system, approximate location, login activity, API activity, and interactions with our website or platform.
We may also receive information from payment networks, banks, financial institutions, identity-verification providers, fraud-prevention services, business-information providers, analytics providers, and other authorised service providers.
3. HOW WE USE INFORMATION
We may use personal information to create and manage accounts, provide and improve our Services, process and facilitate payments, complete verification checks, prevent fraud and financial crime, manage settlements and payouts, provide customer support, communicate with you, send service-related notices, maintain security, monitor performance, comply with legal obligations, enforce our agreements, resolve disputes, and protect the rights and safety of Paytiks, our users, customers, and service providers.
Where permitted by law, we may also use information to send product updates, business communications, educational content, and marketing messages. You may unsubscribe from marketing communications at any time.
4. LEGAL BASES FOR PROCESSING
Depending on the circumstances and applicable law, Paytiks may process personal information because it is necessary to provide the Services, perform a contract, comply with a legal or regulatory obligation, prevent fraud or misuse, protect legitimate business interests, establish or defend legal claims, or because you have provided consent.
Where processing is based on consent, you may withdraw your consent at any time. Withdrawal of consent will not affect processing that occurred before withdrawal.
5. PAYMENT INFORMATION
Paytiks may process payment-related information to facilitate transactions, refunds, disputes, chargebacks, settlements, and fraud monitoring.
Where appropriate, sensitive card or payment credentials may be handled directly by regulated payment processors, banks, card networks, wallet providers, or other payment partners. Paytiks does not intentionally store complete payment-card numbers unless necessary, legally permitted, and appropriately secured.
6. INFORMATION ABOUT CUSTOMERS
If you are a Merchant, you may provide Paytiks with information about your customers in connection with payments, invoices, payment links, refunds, subscriptions, delivery, customer support, or dispute management.
Merchants are responsible for ensuring that they have the necessary rights, notices, and permissions to provide customer information to Paytiks and to use Paytiks for their business activities.
7. COOKIES AND SIMILAR TECHNOLOGIES
Paytiks may use cookies, pixels, local storage, analytics tools, and similar technologies to operate our website, remember preferences, understand website usage, improve performance, protect our Services, and measure marketing activity.
You may control cookies through your browser settings. Disabling certain cookies may affect the availability or functionality of some parts of the website.
8. HOW WE SHARE INFORMATION
We may share personal information with payment processors, banks, acquiring institutions, card networks, wallet providers, identity-verification providers, fraud-prevention services, cloud providers, technology providers, analytics providers, customer-support providers, professional advisers, auditors, insurers, regulators, law-enforcement agencies, and other service providers that help us operate our business.
We may also share information when necessary to comply with legal obligations, respond to lawful requests, protect rights or safety, investigate fraud or security incidents, enforce our agreements, collect amounts owed, or complete a merger, acquisition, financing, restructuring, or sale of assets.
We do not sell personal information for money.
9. INTERNATIONAL DATA TRANSFERS
Paytiks and our service providers may process or store personal information in countries other than the country where it was collected.
Where personal information is transferred internationally, we will take reasonable steps to protect it and apply safeguards required by applicable data-protection laws.
10. DATA SECURITY
Paytiks uses reasonable administrative, technical, and organisational safeguards designed to protect personal information against unauthorised access, loss, misuse, alteration, disclosure, or destruction.
No online service can be guaranteed to be completely secure. You are responsible for protecting your account credentials, API keys, devices, and systems and for notifying Paytiks immediately if you believe that your account or credentials have been compromised.
11. DATA RETENTION
We retain personal information for as long as necessary to provide the Services, maintain business and financial records, comply with legal and regulatory obligations, prevent fraud, resolve disputes, enforce agreements, and protect our legitimate interests.
When personal information is no longer required, we may securely delete, anonymise, or restrict access to it in accordance with applicable law and our internal policies.
12. YOUR PRIVACY RIGHTS
Subject to applicable law, you may have the right to request access to personal information we hold about you, request correction of inaccurate information, request deletion of information, object to or restrict certain processing, request data portability, withdraw consent, and submit a complaint to a relevant data-protection authority.
To exercise your rights, contact us using the details provided in this Privacy Policy. We may need to verify your identity before completing a request.
Some requests may be limited where we are required or permitted by law to retain or process certain information.
13. MARKETING COMMUNICATIONS
You may opt out of marketing emails by using the unsubscribe link in the message or by contacting us directly.
Even if you opt out of marketing communications, we may continue sending important service, account, security, legal, and transaction-related messages.
14. THIRD-PARTY WEBSITES
Our website or Services may contain links to third-party websites, applications, or services. These third parties operate under their own privacy policies and terms.
Paytiks is not responsible for the privacy, security, or content of third-party websites or services.
15. CHILDREN’S PRIVACY
Paytiks is intended for businesses and adults. Our Services are not directed to children, and we do not knowingly collect personal information from children.
If you believe that a child has provided personal information to us, please contact us so that we can review and take appropriate action.
16. MERCHANT RESPONSIBILITIES
Merchants are responsible for providing their customers with appropriate privacy notices where required, obtaining necessary permissions, responding to customer privacy requests, and using customer information only for lawful business purposes.
Where Paytiks processes information on behalf of a Merchant, the Merchant may determine the purposes for which that information is used.
17. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. When we make material changes, we may notify you by email, through your Paytiks account, or by publishing the updated version on our website.
The updated Privacy Policy will become effective on the date shown at the beginning of the document. Your continued use of Paytiks after the effective date means that you acknowledge the updated Privacy Policy.