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In case it is not possible to establish the user identity with certainty, the data controller/processor has the right to re-inquire any personal data from you. The purpose of these checks is to identify and verify customers, reduce fraud and other financial or operational risks on our website. All financial data is stored in an encrypted and secure form. As part of our routine business operations, we process through third parties bank and credit/debit card information and identity checks to validate the data accuracy. We use your personal information to activate your account and provide you with all services on the website. Failure to provide such information may cause usage limitations of ARPAY services. The personal data you provide us with should be accurate and up to date.

Marketing and communications data, including your preferences in receiving marketing and other communications from us.Usage data, which includes information about how you use the website and our services, and any communications we may receive from you.

Technical data, such as your internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access the website.

Proof of identity/Proof of address, such as a copy of the identity card, passport or certificate of registration.

Contact data, such as your address, email address, telephone number and social media handles.

Identity information, such as your name, company name, organisation type.

The personal data we collect is likely to include: The six overall guiding principles are:ĪRPAY collects different information depending on how you use the website and interact with us. ‘consent’ of the data subject means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by clear affirmative action, signifies agreement to the processing of personal data relating to him or her PrinciplesĪRPAY complies with the core principles of personal data processing. ‘third party’ means a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorised to process personal data

‘recipient’ means a natural or legal person, public authority, agency or another body, to which the personal data are disclosed, whether a third party or not. ‘processor’ means a natural or legal person, public authority, agency or other body which processes personal data on behalf of the controller ‘controller’ means the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of personal data ‘processing’ means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction ‘personal data’ means any information relating to an identified or identifiable natural person (‘data subject’) an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person is owned and operated by HKS Global Group DMCC, with legal address: Unit No 1306, The Dome Tower, Plot No: JLT-PH1-N1 Jumeirah Lakes Towers, Dubai, UAE, doing business as ARPAY Definitions By accepting this Privacy Policy, you agree with collecting, using, and disclosing your personal information following the provision hereunder. There are various ways that you might interact with our website and services, and the information you provide when doing so is processed and stored in the best possible way. ARPAY is committed to the maximum degree of protection of your personal information.