PayMate | Payments Simplified | B2B Payment Solutions | Privacy

Privacy Policy


PayMate Payments Services Provider LLC [ “PayMate” ‚ “we” or “us” ] is committed to protecting your personal information and privacy. This Privacy Policy is designed to help you understand how we may collect, process, store and use the personal information you provide to us and to assist you in making informed decision while using our Service.

The details of what data will be processed and which method will be used depend significantly on the services applied for or agreed upon. We therefore ask you to familiarize yourself with this Data Privacy Notice.

1. Acceptance of this Policy

You are advised to read this Privacy Policy carefully. By accepting this Privacy Policy and the Terms and Conditions of Use, a Cardholder expressly consents to PayMate's collection, storage, use and disclosure of your information as described herein. If you do not feel comfortable with any part of this Privacy Policy or our Terms of Service, you must not use or access our Service or download, install and/or use this Services.

2. Applicability of this Policy

This Privacy Policy applies to any information of the cardholder when he access/visits our Sites or uses our Services and does not apply to online platforms or services that PayMate do not own or control, including platforms or services of third parties. PayMate's privacy policy applies to use of the Platform application, desktop, PayMate platform and mobile WAP site, API, and all devices, functionalities, features, technologies and other services uniformly and its terms are made a part of these T&Cs by this reference. Additionally, by using our services, the cardholder hereby expressly acknowledges and agree that Internet transmissions are never completely private or secure. The cardholder understands that any message or information he sends to the Platform may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

3. Changes to this Policy

We may revise this Privacy Policy from time to time to reflect changes to our business, the Sites or Services, or laws that may be applicable from time to time. The revised Privacy Policy will be effective as of the published effective date. The revised terms will be notified once the cardholder logs in and hence you should review and read the terms and conditions and the privacy policy regularly.

4. Definitions

PayMate shall mean PayMate Payment Services Provider LLC and includes its affiliates and subsidiaries.

PayMate Associates shall mean such entities that provide joint services with PayMate, including banks and providers of payment gateways or such other vendors engaged by PayMate to provides its services.

PayMate Account/Services means any services, and all related PayMate platforms, applications and services offered to you by PayMate in connection with your PayMate Account.

Personal Data/Information means personal information that can be associated with an identified or identifiable person. “Personal Data” can include name, postal address (including billing and shipping addresses), telephone number, email address, credit card number, bank account number, other financial account information, date of birth, and government-issued credentials (e.g., driver's license number, passport etc.) Personal Data does not include information that does not identify a specific Cardholder.

Process means any method or manner in which we handle Personal Data whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or erasure or destruction of Personal Data.

Sites means the PayMate platforms, mobile applications, official social media platforms, or other online properties through which PayMate offers the Services and which has posted or linked to this Privacy Policy.

"Cardholder": shall mean and include a person who registers himself on the PayMate platform to transact or avails all or any of PayMate services this can include an individual resident in UAE or entity or company registered in UAE.

5. Information we collect

1. When the cardholders opens a PayMate account or avails of a PayMate service or downloads a PayMate application through a platform, PayMate shall collect following information as necessary to render our services: - Name, postal address, age, mobile/telephone phone number, email address, financial statements, bank statements, ownership details like bank account details, tax returns communication address of the customer, identification information of the cardholder to set up the Account.

2. PayMate after obtaining consent of the cardholder at the time of registration also access the following information ; device ID for mapping the application to the device on which it is registered, SMS for entering the activation code directly in the application during the activation, details of the browser, operating system, domain name, IP address, mobile application version, gallery and camera while uploading KYC documents and when the cardholder uploads an invoice.

3. When the cardholder access PayMate Sites, to receive money, to process payments, or to send money, PayMate may collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information.

4. When the cardholder uses the Services or access the Sites, PayMate shall collect Personal Data the cardholder provides PayMate about the other participants associated with the transaction such as name, postal address, telephone number, and financial account information about the payee/payer who is receiving money from the cardholder or sending money to cardholder.

5. PayMate may collect additional information from or about cardholder when the cardholders communicates with PayMate, contacts our customer support teams or respond to a survey.

6. By choosing to provide this personal information, a Cardholder expressly consents to the transfer and storage of that information on PayMate/ PayMate Associate servers.

6. Storage of Personal Information

PayMate shall retain Personal information to fulfil our legal or regulatory obligations and to enable us to provide you seamless services. PayMate may retain Data for longer periods than required by law if it is in our legitimate business interests and not prohibited by law. If your Account is closed, we may take steps to mask Data and other information, but PayMate reserves our ability to retain and access the data for so long as required to comply with applicable laws. We will continue to use and disclose such Data in accordance with this Privacy Policy, if so required.

7.Use of Personal information

We use personal information for varied reasons: -

1. to provide and improve the services you request;

2. to perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes;

3. to tailor and customize your experience at our PayMate platform.

4. to provide you with content that we think you might be interested in and to display content according to your preferences.

5. to resolve disputes; troubleshoot problems;

6. to promote a safe service;

7. to measure consumer interest in our services;

8. to inform you about online and offline offers, products, services, and updates;

9. to detect and protect us against error, fraud and other criminal activity.

10. to comply with the relevant laws and regulations and enforce the terms and Services.

When a Cardholder utilizes the PayMate platform or sends emails or other data, information or communication to PayMate or any of its accredited services provider or banks, the Cardholder agrees and understands that such information and data may be communicated through a third-party payment gateway controlled by a PayMate Associate through electronic records and a Cardholder consents to receive communications via electronic records from such PayMate Associate periodically. Upon registration with PayMate, a Cardholder agrees that he shall be contacted on his mobile or e mail address for authentication of a transaction or from time to time about updating his content to provide features which PayMate believes may benefit him or for the purpose of receiving promotional messages. A Cardholder's information shall remain with PayMate and PayMate Associates. PayMate does not sell or rent your personal information to anyone. The cardholder hereby confirms that he has no objection to aforesaid use of his information. PayMate may also collect and retain or use information relating to the supplier or vendor as may be required and the cardholder shall ensure that the supplier or vendor has provided requisite prior written consent to the same.

8. Disclosure of Information

PayMate may also share a Cardholder's personal information with any statutory or legal authority as may be required or mandated by that authority and the cardholder provides expressly his written consent for the same. PayMate may disclose personal information when required, such as to respond to legal requirements, enforce PayMate policies or protect anyone's rights, property, or safety. Such information will be disclosed in accordance with applicable laws and regulations. If required by law to do so or if considered necessary to do so for proper management of credit or business risk, PayMate reserves the right to disclose any and all such Cardholder information, including default in any payments or misuse of the service, to any court of competent jurisdiction, quasi-judicial authority, law enforcement agency, relevant wing of the Central Government or State Government, Cardholder's employer, credit reference agency, financial institution or any company which is an affiliate or associate or parent or subsidiary of PayMate. PayMate shall not sell or rent a Cardholder's personal information to third parties for their marketing purposes without his explicit consent.

PayMate will only disclose your information in accordance with this Privacy Policy. If there is a requirement to use it for any other purpose, the consent of the cardholder will be obtained.

9. Information security

Our PayMate platform has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.

The PayMate platform includes links to other platforms. Such platforms are governed by their respective privacy policies, which are beyond PayMate's control. Once a Cardholder leaves the PayMate/ PayMate Associate servers, use of any information provided by the Cardholder is governed by the privacy policy of the operator of the site which the Cardholder is visiting. That policy may differ from this PayMate policy. All information gathered on the PayMate platform is securely stored and access to such information is strictly limited based on need-to-know basis. In addition, details of a Cardholder's credit/ debit card number, PIN details for payment or for verification purposes, password and account information are encrypted by PayMate in accordance with the guidelines laid down by the Central Bank of UAE.

10. Disclaimer

You are aware that however as robust and effective as the security measures are, no security system is impenetrable. You hereby acknowledge that the Cardholder is aware of all security risks, including possible third-party interception of any of his transactions and statements of account on the internet and the content of his transactions or statements of account becoming known to third parties. The Cardholder agrees and undertakes that he shall not hold PayMate/ PayMate Associates liable therefore in any way. The use and storage of any information, including without limitation, the credit card number, PIN, password, account information, transaction activity, account balances and any other information available on the Cardholder's internet access device or computer or mobile phone is at his own risk and responsibility. The Cardholder furthermore acknowledges and accepts that PayMate may not encrypt all content or communications from and to their PayMate platform.

11. Choice of Opt in/Opt out

We provide all cardholders with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account. If you want to remove your contact information from all our lists and newsletters, please visit unsubscribe.

12. General

1. The Cardholder hereby agrees that the account information and copies of all documents submitted by a Cardholder are and shall remain the sole and exclusive property of PayMate, and PayMate shall not be obliged to return the same to him upon his request.

2. Any unauthorized access to the PayMate web-site is a breach of these terms and a violation of the law.

3. A Cardholder agrees not to access PayMate web-sites by any means other than through the interface that is provided by PayMate for use in accessing the same.

4. Any content that maybe restricted or banned by a government order, will be withdrawn during the pendency of that order.

5. PayMate is the sole and absolute owner of all and whatsoever intellectual property rights in the trade mark "PayMate" and the design in respect thereof.

6. PayMate will be entitled to take any legal action against any person invading and/or encroaching upon the said rights.

This Policy does not apply to the practices of companies that PayMate does not own or control, or to people that PayMate does not employ or manage.

If a Cardholder has any questions he may write to PayMate online or he may write to PayMate Customer Support at  support@paymate.ae


Last Updated on: 07th October 2019

PayMate Services are provided by PayMate Payment Services Provider LLC. Cardholders are requested to read terms and conditions carefully.


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