PayU User Agreement

1. Changes to the Privacy Policy

• 1.1 we will provide Customerswith at least 30 days’ prior notice of any such revision by posting notice of the change in the “Policy Updates” page of the Website and, subject to 1.2 below, the revision will then apply to Customers with effect from the date indicated in such notice, provided that if a Customer is not happy with the revisions made, he/she/it shall be entitled to terminate the Services subscribed for;
• 1.2 any revisions so made during the fixed initial period of any Service subscribed for by a Customer (if applicable) will only apply to such Customer after the expiry of such initial period.

2. General Informaiton About Everyone

• 2.1 Types of Information we collect: As a Visitor, PayU User or Merchant, you agree that we may electronically collect, store and use the following of your information:
• 2.1.1 internet usage information, including your Internet Protocol address (“IP Address”), browsing habits, click patterns, unique user ID, version of software installed, system type, screen resolutions, colour capabilities, plug-ins, language settings, cookie preferences, search engine keywords, JavaScript enablement, the content and pages that you access on the Website or Platform, and the dates and times that you visit the Website and Platform, paths taken, and time spent on sites and pages within the Website and Platform (“Usage Details”); and
• 2.1.2 additional information you may provide on a voluntary basis, such as demographic information or information related to your favourite social networking site (e.g. the site name, address and description), or information relating to your participation in competitions, promotions, surveys, and/or additional services (“Optional Details”).
• 2.2 How we collect such information
• 2.2.1 Voluntarily provided by you:Optional Details may be submitted by you to us if you decide to upload or download certain content (or products) from the Website or Platform, enter competitions, take advantage of promotions, respond to surveys, register and subscribe for certain additional services, or otherwise use the optional features and functionality of the Website or Platform.
• 2.2.2 Automatically gathered via various technologies:
• 2.2.2.1 “Cookies” Information: When you access the Website or Platform, we may send one or more cookies (small text files containing a string of alphanumeric characters) to your computer to collect certain Usage Details. PayU may use both session cookies (which disappears after you close your browser) and persistent cookies (which remain after you close your browser which can be removed manually) and may be used by your browser on subsequent visits to the Website and Platform. Please note that the use of cookies is standard on the internet and many major websites use them. Please review your web browser “Help” file to learn more about modifying your cookie settings.
• 2.2.2.2 Other tracking technology: When you access the Website or Platform or open one of our HTML emails, certain Usage Details may be automatically collected and recorded by us from your system by using different types of tracking technology.
• 2.2.2.3 Web Beacons: Our Website may contain electronic image requests (called a “single-pixel gif” or “web beacon” request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner) can act as a web beacon. Web beacons are typically 1-by-1 pixel files (so small that you would likely not realize that they are there), but their presence can usually be seen within a browser by clicking on “View” and then on “Source.” We may also include web beacons in HTML-formatted newsletters that we send to opt-in subscribers in order to count how many newsletters have been read. PayU web beacons do not collect, gather, monitor or share any personally identifiable information about our Customers, they are just the technique we use to compile anonymous information about the Website and Service usage.
• 2.3 The purpose for which we collect this information
• 2.3.1 We may use any Optional Details provided by you for such purposes as indicated to you at the time you agree to provide such Optional Details
• 2.3.2 We may use your Usage Details to:
• 2.3.2.1 automatically provide you with the latest version of the PayU application on your system;
• 2.3.2.2 remember your information so that you will not have to re-enter it during your visit or the next time you access the Website or Platform;
• 2.3.2.3 monitor aggregate Website usage metrics such as total number of visitors and pages accessed; and
• 2.3.2.4 track your entries, submissions, and status in any promotions or other activities in connection with your usage of the Website or Platform.
NOTE:Some of our business partners (e.g. advertisers) use their own cookies and/or widgets on our Website and PayU has no access to or control over such cookies or widgets. (Widgets are interactive mini-programs that run on our Website to provide specific services from another company (e.g. displaying the news, opinions, music, etc) and these widgets may collect certain of your personal information (e.g. your email address). Cookies may also be set by the widget to enable it to function properly.) Information collected by any such cookie or widget is governed by the privacy policy of the company that created it, and not by PayU.This Policy covers the use of cookies by PayU only and does not cover the use of cookies or widgets by any third party advertisers on the Website.

3. Information About PayU Users

• 3.1 Types of information we collect about PayU Users: If you are a PayU User, you agree that we may also electronically collect, store and use the following of your information:
• 3.1.1 name and surname, birth date, identity number and/or passport number, gender, country of residence, and nationality (“Personal Details”);
• 3.1.2 e-mail address, mobile number, and credit card billing address (“Contact Details“);
• 3.1.3 the credit card number, cardholder name and expiration date you submit to PayU in respect of your credit card(s), in accordance with the PayU User Agreement (“Card Details”);
• 3.2 How we collect information about PayU Users: PayU collects the aforesaid information from you in the following manner:
• 3.2.1 User-provided Information: Your Personal Details, Contact Details and Card Details will provided by you directly to us during your registration as a PayU User and/or thereafter by your actively updating or supplementing such details in your PayU User Account.
• 3.2.2 Merchant-provided information: During your registration as a PayU User, we may collect from the person you wish to pay via the internet using the Services (such person hereinafter referred to as a “Merchant”), such of your Personal Details, Contact Details and/or Card Details as you may have already submitted to such Merchant, without you having to re-enter such information. However, prior to doing so, we shall notify you thereof and request your consent thereto.
• 3.3The purposes for which PayU collects the information: PayU uses the information that PayU Users provide (or that we collect) to operate, maintain, enhance, and provide all of the features of the Services, and as may be necessary to comply legally as a payment service provider. More specifically:
• 3.3.1 We use your Card Details in order to provide the Services (including the verification thereof when you transact with Merchants) and, should fees be charged for some of the Services and you have selected a credit card as your means of payment therefor, to debit such credit card for such fees owed by you.
• 3.3.2 We use your Personal Details to greet you when you access your PayU User Account, to manage and administer your use of the Services and fulfil our contractual obligations, including by verifying your identity when you transact with a Merchant.
• 3.3.3 We use your Contact Details to verify your identity and to inform you of facts relating to your use of the Services (e.g. notifications regarding major updates or content you have posted or downloaded from the Website or Platform, customer service notifications, and to address copyright infringement or defamation issues) as well as to inform you, subject to obtaining your prior consent, of competitions, promotions and special offers form us and/or our partners and/or affiliates.

4. Information About Merchants

• 4.1 Types of information we collect about Merchants: If you are a Merchant, you also agree that we may electronically collect, store and use the following of your information:
• 4.1.1 If you are an individual, your full name/s, birth date, identity number and/or passport number, gender, country of residence, and nationality (“Personal Details“);
• 4.1.2 If you are a legal entity, your full name, registration number, country of incorporation (“Corporate Details“), and the Personal Details of all your directors and/or office bearers;
• 4.1.3 e-mail address, mobile number, and such other contact details as provided in the Merchant Application Form (“Contact Details“);
• 4.1.4 your bank account details (“Bank Account Details“)
• 4.2 How we collect information about Merchants You provide the aforesaid information directly to PayU in the Application Form you submit to PayU during your registration as a Merchant and thereafter should you actively update or supplement such details in your Merchant Account.
• 4.3 The purposes for which PayU collects the information: PayU uses the information that Merchants provide to operate, maintain, enhance, and provide all of the features and Services provided to Merchants and as may be necessary to comply legally as a payment service provider. More specifically:
• 4.3.1 We use your Banking Details and Corporate Details (or Personal Details, as the case may be) in order to provide the Services and fulfil our contractual obligations, including by verifying your identity and your bank account information when transaction with a PayUUser, the payment to you of funds due to you, or debiting of fees due by you.
• 4.3.2 We use your Contact Details to verify your identity and to inform you of facts relating to your use of the Services (e.g. notifications regarding scheduled system maintenance or downtime, major updates, customer service notifications, and to address copyright infringement or defamation issues) as well as to inform you, subject to obtaining your prior consent, of competitions, promotions and special offers form us and/or our partners and/or affiliates.

5. How we Protect & Store Personal Information

• 5.1 We store and process the personal information of our PayU Users, Merchants and Visitors on our computers in South Africa, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable Payment Card Industry Data Security Standards (PCI DSS). We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfil their job responsibilities.
• 5.2 You should not divulge your account password to anyone. PayU will never ask you for your password in an unsolicited telephone call or e-mail. YOU ARE RESPONSIBLE FOR MAINTAINING THE SECRECY OF YOUR UNIQUE PASSWORD AND ACCOUNT INFORMATION AT ALL TIMES.
• 5.3 If you are a legal entity and not an individual, we will liaise only with your named contact or alternative contact provided by your named contact. It is your responsibility to let us know of any changes to your named contact.

6. How we Share Personal Information with Others

• 6.1 We may share your personal information with:
• 6.1.1 PayU Merchants, as described in clause 7 below, if you are a PayU User;
• 6.1.2 the persons making payment to you, if you are a Merchant;
• 6.1.3 Other divisions or companies (such as Kalahari.net or 24.com) within the group of companies to which we belong, being the Naspers Ltd group of companies which includes companies registered in countries other than South Africa so as to provide joint content and services like registration, transactions and customer support, to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services and communications. Members of our corporate family will only use this information to send you marketing communications if you have requested their services;
• 6.1.4 Service providers under contract who help with parts of our business operations (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit;
• 6.1.5 Financial institutions that we partner with to jointly create and offer products and services. These financial institutions may only use this information to market PayU-related products, unless you have given consent for other uses;
• 6.1.6 Credit bureaus to report account information, as permitted by law;
• 6.1.7 Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you utilise the Services to receive payments and you meet their criteria);
• 6.1.8 Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this Policy with respect to your personal information. If your personal information could be used contrary to this Policy, you will receive prior notice);
• 6.1.9 Law enforcement, government officials, fraud detection agencies or other third parties when -
• 6.1.9.1 we are compelled to do so by a subpoena, court order or similar legal procedure;
• 6.1.9.2 we need to do so to comply with any law; and/or
• 6.1.9.3 we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement;
• 6.1.10 Other third parties, with your consent or direction to do so.
• 6.2 PayU will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this Policy.Note however that if you open a PayU Account directly on a third party website or application, any information that you enter on that website or application (and not directly on our Website) will be shared with the owner of the third party website or application.

7. How we Share PayU Users’ Personal Information with Merchants

• 7.1 To process PayU Users’Card payments, we may need to share the Card Details with the relevant Merchants to be paid.
• 7.2 If you are buying goods or services and pay through our Service, we may also provide the Merchant with your credit card billing address to help complete your transaction. The Merchant is not allowed to use this information to market their services to you unless you have agreed to it.
• 7.3 We work with Merchants to enable them to accept payments from you using the PayU Services. In doing so, a Merchant may share information about you with us (e.g. email address) when you attempt to pay that Merchant. We use this information to confirm to the Merchant that you are aPayU User and that the Merchant should accept payment for your purchase via your PayU Wallet. Also, if you request that we validate your status as a PayU User with a third party, we will do so.
• 7.4 Please note that Merchants you buy from and contract with have their own privacy policies, and PayU may not be held responsible for their operations, including, but not limited to, their information practices.

8. How to Access or Change Your Personal Information

9. Non-Personal Information

• 9.1 Permanently de-identified information that does not relate and/or cannot be traced back to you specifically. We may compile, use, share and otherwise process such information as we deem fit.
• 9.2 Non-personal statistical information collected and compiled by us. We own and retain all rights in such information.
• 9.3 Information which you have provided voluntarily in an open, public environment or forum including (without limitation) any blog, chat room, albums, community, classifieds or discussion board. Because the information has been disclosed in a public forum, it is no longer confidential and does not constitute personal information subject to protection under this Policy. Since such public environments are accessible by third parties, it is possible that third parties may collect and collate and use such information for their own purposes and you should accordingly be careful when deciding to share any of your personal information in such public environments.

10. Your Consent to the Processing of Your Personal Information

11. How you can Contact Us About Privacy Related Questions

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