1. Policy Statement

[NIB CO., LTD AndThe Website:www.paysias.com](hereinafter referred to as the “Company”,”NIB” or “PaySia”) arecommitted to ensuring that our client and customer interactions and businessrelationships are transparent, legal, suitable, relevant and safe (for thecustomer and the Company). Having effective due diligence controls andprocesses in place is essential to the functioning of our business and enablesus to provide a compliant service and to ensure that we can minimise the risksof money laundering or terrorist financing within our organisation.

By carrying out due diligence checks and assessments on allemployees, customers and business relationships, we aim to protect ourselvesand our customers from the risks associated with financial crime, as well asensuring the suitability and effectiveness of any products/services that weprovide.

Our approach to due diligence is multi-tiered and inaddition to our due diligence measures, we also assess organisational changeand the implementation of any new system/process to ensure that we can mitigaterisks and protect the interests of our customers.

2. Purpose

PaySia Anti-Money Laundering and Know YourCustomer Policy (hereinafter - the “AML/KYC Policy”) is designated to preventand mitigate possible risks of PaySia being involved in any kind of illegalactivity. The AML/KYC Policy complies with local US and UK laws and is ascompatible as possible with regulatory requirements in other countries aroundthe world.

The purpose of this policy is to provideour intent, objectives and processes for due diligence and to provide ouremployees with structured guidance on completing assessments and our Know YourCustomer processes. We are committed to providing only the highest level ofservice and product quality and therefore understand and respect our duediligence obligations which seek to protect and know those with whom we work.

Our due diligence program not only aims toensure that we have safe and transparent business relationships, but that weare also compliant with the money laundering regulations and our regulatory obligationsto know and verify who we form business relationships with, who our suppliersare and who we are employing.

Both international and local regulationsrequire PaySia to implement effective internal procedures and mechanisms toprevent money laundering, terrorist financing, drug and human trafficking,proliferation of weapons of mass destruction, corruption and bribery and totake action in case of any form of suspicious activity from its Users.

3. Scope

The policy applies to all staff (meaningpermanent, fixed term, and temporary staff, any third-party representatives orsub-contractors, agency workers, volunteers, interns and agents engaged with theCompany in the UK or overseas) within the organisation and has been created toensure that staff deal with the area that this policy relates to in accordancewith legal, regulatory, contractual and business expectations and requirements.

4. What is DueDiligence?

Due diligence is the assessment,investigation and review of a product, service, business, individual or third-party.In accordance with our business type and regulatory obligations, the Company iscommitted to carrying out robust due diligence where any new relationship isformed, to protect both ourselves and the customer and to ensure that we complywith our money laundering obligations.

We utilise questionnairesto obtain, document and evidence the due diligence information collected andhave separate questionnaires for:

• ^{Customer Due Diligence (individual orbusiness)}
• ^{Supplier or Third-Party Due Diligence}
• ^{Employee Due Diligence (includingcontractors, agency staff etc)}

We have developed processesand controls for these three areas that enable us to identify, verify andassess our services, the people and companies with who we develop businessrelationships and the customers we serve.

4.1. Customer DueDiligence (Individual and Corporate)

The Company understands the importance ofproduct/service suitability for each customer and respects that one size doesnot fit all.  When providingproducts/services to individual customers, we carry out strict and robust duediligence on each customer to assess their status, identity and suitability ofthe product/service in question. Effective due diligence controls also enablethe Company to prevent or reduce the risk of being used for financial crime orterrorist financing.

We complete due diligencequestionnaires for all individuals/businesses involved in any services,products or transactions offered by us, including:

• ‍^{Individual customers (i.e. separate duediligence forms & checks for instances where more than one person isinvolved in the service, such as purchasing a property, joint loans etc)}
• ^{An individual acting on behalf of theperson(s) involved in the service/transaction (i.e. third-party, broker, carer,those with power of attorney etc)}
• ^{Beneficial Owners (where applicable)}
• ^{Politically Exposed Persons (PEP’s)}
• ^{Corporate Entities}

Our dedicated Due Diligence Questionnairesenable us to obtain, document and evidence detailed information about eachcustomer, including verification of their identity or companystructure/formation; purpose and intent for the business relationship; sourceof funds/wealth; transaction analysis and more. We are committed to ensuringthat we comply with our money laundering obligations and understand theimportance of adequate and effective due diligence at the start of any businessrelationship.

Carrying out thorough due diligence alsoenables us to identify high risk customers, including those with large, complexor unusual transactions, beneficial owners and politically exposed persons. Inthese cases, we are then able to conduct enhanced due diligence and conduct morefrequent reviews of the customer and their transactions to protect both theCompany and the individual.

4.2. Supplier &Third-Party Due Diligence

Businesses with whom we work are expectedto maintain and uphold the same level of compliance, customer awareness andstandards as we maintain and as such, to also have stringent due diligence andKnow Your Customer controls and measures in place. Prior to forming any newbusiness relationship with a supplier or contactor and on an annual basis thereafter,we carry out audits and verification processes to ensure that we know who weare working with and can guarantee their level of commitment, compliance andservice.

5.Objectives

The Company has set out the belowobjectives which it intends to meet in relation to our due diligenceobligations. All staff are bound by these objectives, and we ensure thatfrequent reviews and audits are carried out, ensuring that we remain compliantwith any laws and regulations.

The Company ensures that:

• ^{Know Your Customer checks are completedprior to forming any new business relationship}
• ^{A Due Diligence Questionnaire is alwayscompleted and retained alongside supporting documents, checks and information}
• ^{We protect ourselves and our customers fromrisks and financial crime by carrying out due diligence checks on allassociated businesses and individuals}
• ^{Evidence to support due diligence checks isalways obtained during verification and retained for a period of 5 years afterthe cessation of the relationship}
• ^{Business relationships (e.g. suppliers,service providers, lead generators etc) are reassessed on an annual basis andaudited for ongoing compliance, adherence to the SLA requirements andconsistence of quality}
• ^{All employees are subject to due diligenceand background checks during the recruitment stage and on an annual reviewbasis}
• ^{To carry out ‘Enhanced Due Diligence’ oncertain individuals or business that we deem to be of a higher risk in relationto financial crime. High risk categories include (but are not limited to): -}

1. ^{Politically Exposed Person’s (PEP’s)}
2. ^{Relatives and/or close associates of PEPs}
3. ^{Beneficial Owners}
4. ^{High-net Worth Individual/s}
5. ^{Customers with large and/or complextransactions}
6. ^{Unusual transactions or unusual patterns}
7. ^{Entities registered in Countries classifiedas High Risk by FATF}
8. ^{Unregistered Organisations}

6. Due DiligenceProcesses

The Company have developed bespoke DueDiligence Questionnaires to meet the requirements of the type of relationshipbeing formed. We have created individual questionnaires as questioned asked andanswered by an individual customer can vary from those responded to by acorporate entity or in the capacity of a supplier.

We therefore have 4 defined Due Diligence:-

• ^{Client (Individual) Due Diligence &Risk Assessment– used where the client is an individual acting in a non-commercialcapacity.}
• ^{Client (Corporate) Due Diligence & RiskAssessment - used where the client is a sole traders, partnership or other corporateentity.}
• ^{Supplier/Business Relationship DueDiligence - used for suppliers or partnership business relationships madeby/with the Company and where no products/services are involved. This is tovalidate the business/supplier offering the service and verifying theiridentity to reduce risks and protect the Company and its customers (i.e.security provider; IT services; cleaning services etc).}
• ^{Employee Due Diligence– used for newstarters or annual review due diligence checks on existing employees (includingcontractors, agency staff or temps). This questionnaire is completed to verifythe identity of each employee, to research previous employment andqualifications and to complete background, financial and CRB searches}

Our questionnaires also contain enhanced due diligencequestions that are only completed where EDD is required owing to the status orrisk level of the customer (or the role in the case of employees). Inmost cases our EDD process is to obtain additional supporting information anddocument evidence for identity, purpose/intent for relationship/transaction,source of funds (where applicable) etc.

7. Individual ClientDue Diligence Process

The Company ensures that whenwe work with individual customers or they intend to use our products/services,we undertake extensive due diligence checks to meet our money launderingrequirements and also to ensure that any products/services are suitable andaffordable for each customer.

We utilise our bespoke duediligence questionnaire and checklist when completing due diligence assessmentsto ensure that all areas are covered, and we are able to evidence the checksand assessments if required. Our individual customer due diligencemeasures in this area include: -

Identity Verification

For individuals, we verifythe customers identity prior to forming any professional relationship. Thisincludes: -

• ^{Copyof Passport or Photo Card Drivers Licence (orother government issued document)}
• ^{Proofof Residential Address (dated within last3 months)}
• ^{Completed Individual Due Diligence Questionnaire}
• ^{Background Verification Checks (including ElectoralRegister searches, Credit Checks, References etc)}
• ^{Wageslips and/or proof of employment and income & I&E form (whereapplicable)}

Affordability Assessment (whereapplicable)

For certainservices/products, we are required by law to ensure that a customer can affordto make repayments in relation to those product/services. Where this is thecase, our standard due diligence checks include an assessment of the customer’sincome, expenditure and other creditor commitments, which are used alongsideevidence of income (wage slips, benefits etc), to obtain their monthlydisposable income. We then use this figure to ascertain if they can afford anyrepayments.

Credit Checks

We use [Experian/Equifax/CallCredit]to assess the customers’ current credit status and score and obtaininformation about any outstanding County Court Judgments, Bankruptcy Orders orIVA’s. We also assess their current financial obligations and any defaults ontheir account.    

Completed Paperwork

We complete a standard duediligence questionnaire for all new customers which enables us to document allof the relevant information about the customer and retain alongside supportingdocuments.

Where our business typerequires us to have specific forms or documents completed/signed by thecustomer, these are sent to the customer and completion requested.

Other Measures and Checks

_{PaySia should document here any additional checks, forms, obligationsor measures that form part of your due diligence process. These are usuallybusiness specific and can include documents such as: -}

• ^{Proof for source of funds for residential property sales}
• ^{Bank statements}
• ^{References (i.e. employment,landlord etc)}

The Company requiresverifiable details and evidence to include documents and/or informationobtained from a reliable source which is independent of the person whoseidentity is being verified. In accordance with MLR17, we consider documentsissued or made available by an official body to be regarded as beingindependent of a person even if they are provided or made available to therelevant person by or on behalf of that person.

We designate information asbeing obtained from a reliable source where it is obtained by means of anelectronic identification process (including by using electronicidentification means or by using a trust service), and where the process issecure from fraud and misuse and the issuer is capable of providing anappropriate level of assurance that the person claiming a particular identityis in fact the person with that identity.

8. Business/Supplier DueDiligence

When forming a businessrelationship (either in a commercial customer capacity or in relation tobusiness supplier/partnership contracts), the Company recognises itsobligations to carry out due diligence checks on the company itself as well asany Owner/Director. We are committed to preventing money laundering andterrorist financing and understand that having robust Know Your Customercontrols and processes in place is essential for minimising risk.

We view Know Your Customer functions as part of the processfor investigating and verifying the identity, reputation and status of anybusiness with who we intend to form a relationship. We also utilise riskassessment controls and procedures for reducing the risk of and preventingfinancial crime (view our AML Policy& Procedure for more information) and during any outsourcing functions (view our Outsourcing & Supplier Policy& Procedures for more information).

Where the business relationship involvesa corporate customer, the Company takes steps to understand the ownership andcontrol structure of the entity and ensures that such information is verifiedand recorded via our due diligence questionnaire and process.

8.1.  Discrepanciesin Registers

TheCompany obtains proof of registration (or an excerpt of the register)from the company/partnership and retains the evidence on file along with thedue diligence questionnaire. The details provided from the register arecross-referenced with those obtained during our due diligence and identityverification process, with any discrepancies being reported Companies House.

8.2   KnowYour Customer Controls

KYC controls are designed toprevent banks and other susceptible financial organisations from being used,intentionally or unintentionally, by criminal elements for money launderingactivities. Such controls will also help a firm to understand their clients andcustomers and protect themselves from external risks. The Company’s KYC controlsinclude: -

• ^{Collection and analyse basicidentity information (using the DueDiligence questionnaire form)}
• ^{Obtain evidence to support an Individual’s Identity:}

1. ^{Passport or Photo Card DriversLicence (or other government issueddocument)}
2. ^{Proof of Residential Address (dated within last 3 months)}

1.  ^{Full Legal Name &Certificate of Incorporation}
2. ^{Registered office in countryof incorporation and business address}

1. ^{Background check}
2. ^{Credit Check}
3. ^{ID Check}
4. ^{Address Confirmation}
5. ^{Trading Status (if business)}

• ^{Review individual/businessname (and/or business type/location)against known parties list (e.g. highlevel, enhanced, politically exposed person etc)}
• ^{Identifying the beneficialowner, and taking reasonable measures to verify the identity of}
• ^{the beneficial owner such thatwe are satisfied that we know who the beneficial owner is}
• ^{Identifying whether thecustomer/ beneficial owner is a legal person, trust, company, foundation orsimilar legal arrangement and take reasonable measures to understand theownership and control structure of that legal person, trust, company,foundation or similar legal arrangement}
• ^{Assessment of risk to businessbased on internal risk assessment matrix and controls}
• ^{Obtain information on thepurpose and intended nature of the business relationship}
• ^{Initial and ongoing monitoringand reviews on the business relationship and of the customer's transactionsagainst expected behaviour}
• ^{Recording of all due diligenceinformation and ongoing transactions}

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8.3  EnhancedDue Diligence

EnhancedDue Diligence (EDD) is sometimes needed for higher risk customers/businessrelationships who present increased exposure and/or a higher threat with regardto money laundering or terrorist financing risks. Below are some of the factorswe consider in performing enhanced due diligence and assessing the level ofrisk the company may be exposed to. The Company consider the belowcircumstances to require EDD: -

• ^{Where an individual or legal entityhas been risk assessed and scored as presenting a higher risk in terms of moneylaundering or terrorist financing}
• ^{Where a risk assessment hasidentified a supplier, business or customer as being a higher risk for taxevasion,}
• ^{Where any obtained duediligence document or response is not conclusive in either proving an identity,or registered/residential address}
• ^{Where the customer has notbeen physically present for identification purposes or in the case of legalentities, where a physical site visit has not taken place}
• ^{Where the individual or legalentity is from outside the UK}
• ^{where the customer orpotential customer is a PEP, or a family member or known close associate of aPEP}
• ^{in any business relationshipwith a person established in a high-risk third country or in relation to anyrelevant transaction where either of the parties to the transaction isestablished in a high-risk third country}
• ^{in relation to correspondentrelationships with a credit institution or a financial institution}
• ^{where a customer has providedfalse or stolen identification documentation or information and the Companyproposes to continue to deal with that customer}
• ^{in any case where: -}

1. ^{a transaction is complex andunusually large}
2. ^{there is an unusual pattern oftransactions, or}
3. ^{the transaction ortransactions have no apparent economic or legal purpose}

Thosewho we assess as requiring enhanced due diligence (EDD) checks are flagged andmonitored on a [weekly/monthly/quarterly] basis and we carry out duediligence checks and reassessments on a quarterly basis as opposed to ourusually annual checks. Additional background checks on financial status,trading history, criminal checks and status are performed and enhancedassessments that our standard customer due diligence does not cover.

Suchadditional due diligence can include (but are not limited to): -

• ^{·      Obtaining source offunds/wealth}
• ^{·      Scrutinising an individual’sposition or employment}
• ^{·      Due diligence on familymembers and close known associated}
• ^{·      Geographical implications}
• ^{·      Transaction history}
• ^{·      Enhanced referencing andadditional information on previous, existing, and intended businessrelationships}
• ^{·      obtaining information on thereasons for the transactions}
• ^{·      obtaining the approval ofsenior management for establishing or continuing the business relationship}
• ^{·      conducting enhanced monitoringof the business relationship by increasing the number and timing of controlsapplied and selecting patterns of transactions that need further examination}

Weemploy a risk-based approach when assessing for enhanced due diligence andrequire additional supporting documents to verify any individual and/orcompany. Such additional EDD requestsinclude (but are not limited to): -

• ·   ^{Articles of association}
• ^{·      Multiple sources for proof ofidentity}
• ^{·      Previous address/employmenthistory}
• ^{·      Names and addresses ofsuppliers or business contacts}
• ^{·      Source of funds}
• ^{·      Income and expenditureevidence}
• ^{·      Family and close associatedetails}
• ^{·      Source of wealth (i.e. property sales, inheritance, assetsetc)}
• ^{·      Onsite visits and physicalaudits}
• ^{·      Transaction monitoring}
• ^{·      Increased due diligence andbackground checks throughout business relationship}

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8.3.1.    Standardand Enhanced Supplier Due Diligence

The company utilises two forms of due diligencequestionnaire for suppliers and checks on supply chains. Our Standard Supplier DueDiligence Questionnaireis used for low-risk or normal transactions or services and can also be used inconjunction with the individual due diligence questionnaire where verificationof owners/directors of the service provider is also required.

Where a risk assessment has identified the businesstype, service, supplier, supply chain or transaction is at high(er) risk ofmoney laundering, tax evasion or financial crime, we use our Enhanced Supplier DueDiligence Questionnaire. Thisrequires more enhanced due diligence checks and information about and from thesupplier, supply chain and owners/directors to ensure compliance with the MLRand tax evasion rules under the Criminal Finances Act 2017.

8.4.  ExistingCustomer Due Diligence

Inaddition to our standard new business relationship due diligence measures. Wealso carry out standard due diligence measures: -

• ^{·      when we have any legal duty inthe course of the calendar year to contact an existing customer for the purposeof reviewing any information which: -}
• ^{·      is relevant to the Company'srisk assessment for that customer, and}
• ^{·      relates to the beneficialownership of the customer, including information which enables the Company tounderstand the ownership or control structure of a legal person, trust,foundation or similar arrangement who is the beneficial owner of the customer}
• ^{·      when the Company must contactan existing customer in order to fulfil any duty under the International TaxCompliance Regulations 2015(1)}
• ^{·      at other appropriate times toexisting customers on a risk-based approach}
• ^{·      when the Company becomes awarethat the circumstances of an existing customer relevant to its risk assessmentfor that customer have changed}

Whendetermining if it is appropriate to take customer due diligence measures inrelation to existing customers, the Company always considers: -

• ^{·      any indication that theidentity of the customer, or of the customer’s beneficial owner, has changed}
• ^{·      any transactions which are notreasonably consistent with the Company’s knowledge of the customer}
• ^{·      any change in the purpose orintended nature of the Company’s relationship with the customer}
• ^{·      any other matter which mightaffect the Company’s assessment of the money laundering or terrorist financingrisk in relation to the customer}

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9. Sanctions list

PaySiais prohibited from transacting with individuals,companies and countries that are on prescribed sanctions lists.  PaySiawill therefore screen against UnitedNations, European Union, UK Treasury and US Office of Foreign Assets Control(OFAC) sanctions lists in all jurisdictions in which we operate.

10. Compliance Officer

The Compliance Officer is the person, duly authorized by PaySia,whose duty is to ensure the effective implementation and enforcement of theAML/KYC Policy.  It is the ComplianceOfficer’s responsibility to supervise all aspects of PaySia’s anti-moneylaundering and counter-terrorist financing, including but not limited to:

• ^{·        Collecting Users’identification information;}
• ^{·        Establishing and updatinginternal policies and procedures for the completion, review, submission andretention of all reports and records required under the applicable laws andregulations;}
• ^{·        Monitoring transactions andinvestigating any significant deviations from normal activity;}
• ^{·        Implementing a recordsmanagement system for appropriate storage and retrieval of documents, files,forms and logs;}
• ^{·        Updating risk assessmentregularly;}
• ^{·        Providing law enforcement withinformation as required under the applicable laws and regulations.}
• ^{·        The Compliance Officer isentitled to interact with law enforcement, which are involved in prevention ofmoney laundering, terrorist financing and other illegal activity.}

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11.  Monitoringtransactions

The Users are known not only by verifying their identity(who they are) but, more importantly, by analyzing their transactional patterns(what they do).  Therefore, PaySiarelieson data analysis as a risk-assessment and suspicion detection tool.  PaySiaperforms a variety ofcompliance-related tasks, including capturing data, filtering, record-keeping,investigation management, and reporting. System functionalities include:

• ^{·        Daily check of Users againstrecognized “black lists” (e.g. OFAC), aggregating transfers by multiple datapoints, placing Users on watch and service denial lists, opening cases forinvestigation where needed, sending internal communications and filling outstatutory reports, if applicable;}
• ^{·        Case and document management.}
• ^{·        With regard to the AML/KYCPolicy, PaySiawill monitor all transactions and it reserves the right to:}
• ^{·        Ensure that transactions ofsuspicious nature are reported to the proper law enforcement through theCompliance Officer;}
• ^{·        Request the User to provideany additional information and documents in case of suspicious transactions;}
• ^{·        suspend or terminate User’s Accountwhen PaySiahas reasonably suspicion that such User engaged in illegal activity.}
• ^{·        The above list is notexhaustive and the Compliance Officer will monitor Users’ transactions on aday-to-day basis in order to define whether such transactions are to be reportedand treated as suspicious or are to be treated as bona fide.}

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12.  Risk assessment

PaySia, in line with the international requirements, hasadopted a risk-based approach to combating money laundering and terroristfinancing. By adopting a risk-based approach, PaySiais able to ensure thatmeasures to prevent or mitigate money laundering and terrorist financing arecommensurate to the identified risks. This will allow resources to be allocatedin the most efficient ways. The principle is that resources should be directedin accordance with priorities so that the greatest risks receive the highestattention.

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General Terms

By accessing and placing an order with PaySia, you confirm that you are in agreement with and bound by the terms of service contained in the Terms & Conditions outlined below. These terms apply to the entire website and any email or other type of communication between you and PaySia.

Under no circumstances shall PaySia team be liable for any direct, indirect, special, incidental or consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or the inability to use, the materials on this site, even if PaySia team or an authorized representative has been advised of the possibility of such damages. If your use of materials from this site results in the need for servicing, repair or correction of equipment or data, you assume any costs thereof.

PaySia will not be responsible for any outcome that may occur during the course of usage of our resources. We reserve the rights to change prices and revise the resources usage policy in any moment.

License

PaySia grants you a revocable, non-exclusive, non-transferable, limited license to download, install and use the website strictly in accordance with the terms of this Agreement.

These Terms & Conditions are a contract between you and PaySia (referred to in these Terms & Conditions as "PaySia", "us", "we" or "our"), the provider of the PaySia website and the services accessible from the PaySia website (which are collectively referred to in these Terms & Conditions as the "PaySia Service").

You are agreeing to be bound by these Terms & Conditions. If you do not agree to these Terms & Conditions, please do not use the PaySia Service. In these Terms & Conditions, "you" refers both to you as an individual and to the entity you represent. If you violate any of these Terms & Conditions, we reserve the right to cancel your account or block access to your account without notice.

Meanings

For this Terms & Conditions:

 -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
 -Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to NIB CO LTD, (6547 N Academy Blvd # 2266 Colorado Springs USA) that is responsible for your information under this Terms & Conditions.
 -Country: where PaySia or the owners/founders of PaySia are based, in this case is USA
 -Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit PaySia and use the services.
 -Service: refers to the service provided by PaySia as described in the relative terms (if available) and on this platform.
 -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
 -Website: PaySia."’s" site, which can be accessed via this URL: https://www.paysias.com
 -You: a person or entity that is registered with PaySia to use the Services.

Restrictions

You agree not to, and you will not permit others to:

 -License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise commercially exploit the website or make the platform available to any third party.
 -Modify, make derivative works of, disassemble, decrypt, reverse compile or reverse engineer any part of the website.
 -Remove, alter or obscure any proprietary notice (including any notice of copyright or trademark) of PaySia or its affiliates, partners, suppliers or the licensors of the website.
 

Return and Refund Policy

Thanks for shopping at PaySia. We appreciate the fact that you like to buy the stuff we build. We also want to make sure you have a rewarding experience while you’re exploring, evaluating, and purchasing our products.

As with any shopping experience, there are terms and conditions that apply to transactions at PaySia. We’ll be as brief as our attorneys will allow. The main thing to remember is that by placing an order or making a purchase at PaySia, you agree to the terms along with PaySia."’s" Privacy Policy.

If, for any reason, You are not completely satisfied with any good or service that we provide, don't hesitate to contact us and we will discuss any of the issues you are going through with our product.

Your Suggestions

Any feedback, comments, ideas, improvements or suggestions (collectively, "Suggestions") provided by you to PaySia with respect to the website shall remain the sole and exclusive property of PaySia.

PaySia shall be free to use, copy, modify, publish, or redistribute the Suggestions for any purpose and in any way without any credit or any compensation to you.

Your Consent

We've updated our Terms & Conditions to provide you with complete transparency into what is being set when you visit our site and how it's being used. By using our website, registering an account, or making a purchase, you hereby consent to our Terms & Conditions.

Links to Other Websites

This Terms & Conditions applies only to the Services. The Services may contain links to other websites not operated or controlled by PaySia. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, our Terms & Conditions are no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.

Cookies

PaySia uses "Cookies" to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.

Changes To Our Terms & Conditions

You acknowledge and agree that <?=PaySia;?> may stop (permanently or temporarily) providing the Service (or any features within the Service) to you or to users generally at <?=PaySia;?>’s sole discretion, without prior notice to you. You may stop using the Service at any time. You do not need to specifically inform <?=PaySia;?> when you stop using the Service. You acknowledge and agree that if <?=PaySia;?> disables access to your account, you may be prevented from accessing the Service, your account details or any files or other materials which is contained in your account.

If we decide to change our Terms & Conditions, we will post those changes on this page, and/or update the Terms & Conditions modification date below.

Modifications to Our website

PaySia reserves the right to modify, suspend or discontinue, temporarily or permanently, the website or any service to which it connects, with or without notice and without liability to you.

Updates to Our website

PaySia may from time to time provide enhancements or improvements to the features/ functionality of the website, which may include patches, bug fixes, updates, upgrades and other modifications ("Updates").

Updates may modify or delete certain features and/or functionalities of the website. You agree that PaySia has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the website to you.

You further agree that all Updates will be (i) deemed to constitute an integral part of the website, and (ii) subject to the terms and conditions of this Agreement.

Third-Party Services

We may display, include or make available third-party content (including data, information, applications and other products services) or provide links to third-party websites or services ("Third- Party Services").

You acknowledge and agree that PaySia shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. PaySia does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services.

Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Term and Termination

This Agreement shall remain in effect until terminated by you or PaySia.

PaySia may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from PaySia, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the website and all copies thereof from your computer.

Upon termination of this Agreement, you shall cease all use of the website and delete all copies of the website from your computer.
Termination of this Agreement will not limit any of PaySia's rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

Copyright Infringement Notice

If you are a copyright owner or such owner’s agent and believe any material on our website constitutes an infringement on your copyright, please contact us setting forth the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the material that is claimed to be infringing; (c) your contact information, including your address, telephone number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not authorized by the copyright owners; and (e) the a statement that the information in the notification is accurate, and, under penalty of perjury you are authorized to act on behalf of the owner.

Indemnification

You agree to indemnify and hold PaySia and its parents, subsidiaries, affiliates, officers, employees, agents, partners and licensors (if any) harmless from any claim or demand, including reasonable attorneys' fees, due to or arising out of your: (a) use of the website; (b) violation of this Agreement or any law or regulation; or (c) violation of any right of a third party.

No Warranties

The website is provided to you "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, PaySia, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the website, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, PaySia provides no warranty or undertaking, and makes no representation of any kind that the website will meet your requirements, achieve any intended results, be compatible or work with any other software, , systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither PaySia nor any PaySia's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the website, or the information, content, and materials or products included thereon; (ii) that the website will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the website; or (iv) that the website, its servers, the content, or e-mails sent from or on behalf of PaySia are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.

Limitation of Liability

Notwithstanding any damages that you might incur, the entire liability of PaySia and any of its suppliers under any provision of this Agreement and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you for the website.

To the maximum extent permitted by applicable law, in no event shall PaySia or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the website, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if PaySia or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

This Agreement, together with the Privacy Policy and any other legal notices published by PaySia on the Services, shall constitute the entire agreement between you and PaySia concerning the Services. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and PaySia."’s" failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision. YOU AND PaySia AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.

No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

Amendments to this Agreement

PaySia reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use PaySia.

Entire Agreement

The Agreement constitutes the entire agreement between you and PaySia regarding your use of the website and supersedes all prior and contemporaneous written or oral agreements between you and PaySia.
You may be subject to additional terms and conditions that apply when you use or purchase other PaySia's  services, which PaySia will provide to you at the time of such use or purchase.

Updates to Our Terms

We may change our Service and policies, and we may need to make changes to these Terms so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to these Terms and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Terms. If you do not want to agree to these or any updated Terms, you can delete your account.

Intellectual Property

The website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by PaySia, its licensors or other providers of such material and are protected by USA and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole or in part, without the express prior written permission of PaySia, unless and except as is expressly provided in these Terms & Conditions. Any unauthorized use of the material is prohibited.

Agreement to Arbitrate

This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR PaySia."’s" INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and PaySia concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.

Notice of Dispute

In the event of a dispute, you or PaySia must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: support@paysias.com. PaySia will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and PaySia will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or PaySia may commence arbitration.

Binding Arbitration

If you and PaySia don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration. Any and all legal, accounting, and other costs, fees, and expenses incurred by the prevailing party shall be borne by the non-prevailing party.

Submissions and Privacy

In the event that you submit or post any ideas, creative suggestions, designs, photographs, information, advertisements, data or proposals, including ideas for new or improved products, services, features, technologies or promotions, you expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of PaySia without any compensation or credit to you whatsoever. PaySia and its affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purposes in any medium in perpetuity, including, but not limited to, developing, manufacturing, and marketing products and services using such ideas.

Promotions

PaySia may, from time to time, include contests, promotions, sweepstakes, or other activities (“Promotions”) that require you to submit material or information concerning yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age and geographic location. You are responsible to read all Promotions rules to determine whether or not you are eligible to participate. If you enter any Promotion, you agree to abide by and to comply with all Promotions Rules.

Additional terms and conditions may apply to purchases of goods or services on or through the Services, which terms and conditions are made a part of this Agreement by this reference.

Typographical Errors

In the event a product and/or service is listed at an incorrect price or with incorrect information due to typographical error, we shall have the right to refuse or cancel any orders placed for the product and/or service listed at the incorrect price. We shall have the right to refuse or cancel any such order whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, we shall immediately issue a credit to your credit card account or other payment account in the amount of the charge.

Miscellaneous

If for any reason a court of competent jurisdiction finds any provision or portion of these Terms & Conditions to be unenforceable, the remainder of these Terms & Conditions will continue in full force and effect. Any waiver of any provision of these Terms & Conditions will be effective only if in writing and signed by an authorized representative of PaySia. PaySia will be entitled to injunctive or other equitable relief (without the obligations of posting any bond or surety) in the event of any breach or anticipatory breach by you. PaySia operates and controls the PaySia Service from its offices in USA. The Service is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Accordingly, those persons who choose to access the PaySia Service from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. These Terms & Conditions (which include and incorporate the PaySia Privacy Policy) contains the entire understanding, and supersedes all prior understandings, between you and PaySia concerning its subject matter, and cannot be changed or modified by you. The section headings used in this Agreement are for convenience only and will not be given any legal import.

Disclaimer

PaySia is not responsible for any content, code or any other imprecision.

PaySia does not provide warranties or guarantees.

In no event shall PaySia be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. PaySia reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

The PaySia Service and its contents are provided "as is" and "as available" without any warranty or representations of any kind, whether express or implied. PaySia is a distributor and not a publisher of the content supplied by third parties; as such, PaySia exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the PaySia Service. Without limiting the foregoing, PaySia specifically disclaims all warranties and representations in any content transmitted on or in connection with the PaySia Service or on sites that may appear as links on the PaySia Service, or in the products provided as a part of, or otherwise in connection with, the PaySia Service, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by PaySia or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, PaySia does not warrant that the PaySia Service will be uninterrupted, uncorrupted, timely, or error-free.

Contact Us

Don't hesitate to contact us if you have any questions.

-Via Email:  support@paysias.com
-Via this Link:  https://www.paysias.com/contacts

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PaySia (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by PaySia.

This Privacy Policy applies to our website, and its associated subdomains (collectively, our “Service”) alongside our application, PaySia. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly defined as:

 -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
 -Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to NIB CO LTD, (6547 N Academy Blvd 2266 Colorado Springs USA) that is responsible for your information under this Privacy Policy.
 -Country: where PaySia or the owners/founders of PaySia are based, in this case is USA
 -Customer: refers to the company, organization or person that signs up to use the PaySia Service to manage the relationships with your consumers or service users.
 -Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit PaySia and use the services.
 -IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the Internet.
 -Personnel: refers to those individuals who are employed by PaySia or are under contract to perform a service on behalf of one of the parties.
 -Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
 -Service: refers to the service provided by PaySia as described in the relative terms (if available) and on this platform.
 -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
 -Website: PaySia."’s" site, which can be accessed via this URL: https://www.paysias.com
 -You: a person or entity that is registered with PaySia to use the Services.
 

What Information Do We Collect?

We collect information from you when you visit our website, register on our site, place an order, subscribe to our newsletter, respond to a survey or fill out a form.

 -Name / Username
 -Phone Numbers
 -Email Addresses
 -Mailing Addresses
 -Job Titles
 -Billing Addresses
 -Debit/credit card numbers
 -Age
 

We also collect information from mobile devices for a better user experience, although these features are completely optional:

How Do We Use The Information We Collect?

Any of the information we collect from you may be used in one of the following ways:

 -To personalize your experience (your information helps us to better respond to your individual needs)
 -To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
 -To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
 -To process transactions
 -To administer a contest, promotion, survey or other site feature
 -To send periodic emails

When does PaySia use end user information from third parties?

PaySia will collect End User Data necessary to provide the PaySia services to our customers.

End users may voluntarily provide us with information they have made available on social media websites. If you provide us with any such information, we may collect publicly available information from the social media websites you have indicated. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

When does PaySia use customer information from third parties?

We receive some information from the third parties when you contact us. For example, when you submit your email address to us to show interest in becoming a PaySia customer, we receive information from a third party that provides automated fraud detection services to PaySia. We also occasionally collect information that is made publicly available on social media websites. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

Do we share the information we collect with third parties?

We may share the information that we collect, both personal and non-personal, with third parties such as advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you. We may also share it with our current and future affiliated companies and business partners, and if we are involved in a merger, asset sale or other business reorganization, we may also share or transfer your personal and non-personal information to our successors-in-interest.

We may engage trusted third party service providers to perform functions and provide services to us, such as hosting and maintaining our servers and the website, database storage and management, e-mail management, storage marketing, credit card processing, customer service and fulfilling orders for products and services you may purchase through the website. We will likely share your personal information, and possibly some non-personal information, with these third parties to enable them to perform these services for us and for you.

We may share portions of our log file data, including IP addresses, for analytics purposes with third parties such as web analytics partners, application developers, and ad networks. If your IP address is shared, it may be used to estimate general location and other technographics such as connection speed, whether you have visited the website in a shared location, and type of the device used to visit the website. They may aggregate information about our advertising and what you see on the website and then provide auditing, research and reporting for us and our advertisers. 

We may also disclose personal and non-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate in order to respond to claims, legal process (including subpoenas), to protect our rights and interests or those of a third party, the safety of the public or any person, to prevent or stop any illegal, unethical, or legally actionable activity, or to otherwise comply with applicable court orders, laws, rules and regulations. 

Where and when is information collected from customers and end users?

PaySia will collect personal information that you submit to us. We may also receive personal information about you from third parties as described above.

How Do We Use Your Email Address?

By submitting your email address on this website, you agree to receive emails from us. You can cancel your participation in any of these email lists at any time by clicking on the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for customer audience targeting on sites like Facebook, where we display custom advertising to specific people who have opted-in to receive communications from us. Email addresses submitted only through the order processing page will be used for the sole purpose of sending you information and updates pertaining to your order. If, however, you have provided the same email to us through another method, we may use it for any of the purposes stated in this Policy. Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How Long Do We Keep Your Information?

We keep your information only so long as we need it to provide PaySia to you and fulfill the purposes described in this policy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we’ll either remove it from our systems or depersonalize it so that we can't identify you.

How Do We Protect Your Information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) is never kept on file. We cannot, however, ensure or warrant the absolute security of any information you transmit to PaySia or guarantee that your information on the Service may not be accessed, disclosed, altered, or destroyed by a breach of any of our physical, technical, or managerial safeguards.

Could my information be transferred to other countries?

PaySia is incorporated in USA. Information collected via our website, through direct interactions with you, or from use of our help services may be transferred from time to time to our offices or personnel, or to third parties, located throughout the world, and may be viewed and hosted anywhere in the world, including countries that may not have laws of general applicability regulating the use and transfer of such data. To the fullest extent allowed by applicable law, by using any of the above, you voluntarily consent to the trans-border transfer and hosting of such information.

Is the information collected through the PaySia Service secure?

We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personal information, we cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personal information, you agree that intentional misconduct will be the standards used to measure our compliance with that duty.

Can I update or correct my information?

The rights you have to request updates or corrections to the information PaySia collects depend on your relationship with PaySia. Personnel may update or correct their information as detailed in our internal company employment policies.

Customers have the right to request the restriction of certain uses and disclosures of personally identifiable information as follows. You can contact us in order to (1) update or correct your personally identifiable information, (2) change your preferences with respect to communications and other information you receive from us, or (3) delete the personally identifiable information maintained about you on our systems (subject to the following paragraph), by cancelling your account. Such updates, corrections, changes and deletions will have no effect on other information that we maintain, or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change or deletion. To protect your privacy and security, we may take reasonable steps (such as requesting a unique password) to verify your identity before granting you profile access or making corrections. You are responsible for maintaining the secrecy of your unique password and account information at all times.

You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back up our systems to protect information from inadvertent loss means that a copy of your information may exist in a non-erasable form that will be difficult or impossible for us to locate. Promptly after receiving your request, all personal information stored in databases we actively use, and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as and to the extent reasonably and technically practicable.

If you are an end user and wish to update, delete, or receive any information we have about you, you may do so by contacting the organization of which you are a customer.

Personnel

If you are a PaySia worker or applicant, we collect information you voluntarily provide to us. We use the information collected for Human Resources purposes in order to administer benefits to workers and screen applicants.

You may contact us in order to (1) update or correct your information, (2) change your preferences with respect to communications and other information you receive from us, or (3) receive a record of the information we have relating to you. Such updates, corrections, changes and deletions will have no effect on other information that we maintain, or information that we have provided to third parties in accordance with this Privacy Policy prior to such update, correction, change or deletion.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger or other transfer of all or substantially all of the assets of PaySia or any of its Corporate Affiliates (as defined herein), or that portion of PaySia or any of its Corporate Affiliates to which the Service relates, or in the event that we discontinue our business or file a petition or have filed against us a petition in bankruptcy, reorganization or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.

Affiliates

We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, "Corporate Affiliate" means any person or entity which directly or indirectly controls, is controlled by or is under common control with PaySia, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law

This Privacy Policy is governed by the laws of USA without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy except for those individuals who may have rights to make claims under Privacy Shield, or the Swiss-US framework.

The laws of USA, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your use of the website may also be subject to other local, state, national, or international laws.

By using PaySia or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our website, or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.

Your Consent

We've updated our Privacy Policy to provide you with complete transparency into what is being set when you visit our site and how it's being used. By using our website, registering an account, or making a purchase, you hereby consent to our Privacy Policy and agree to its terms.

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by PaySia. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.

Cookies

PaySia uses "Cookies" to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.

Blocking and disabling cookies and similar technologies

Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser's help menu for more information.

Remarketing Services

We use remarketing services. What Is Remarketing? In digital marketing, remarketing (or retargeting) is the practice of serving ads across the internet to people who have already visited your website. It allows your company to seem like they're “following” people around the internet by serving ads on the websites and platforms they use most.

Payment Details

In respect to any credit card or other payment processing details you have provided us, we commit that this confidential information will be stored in the most secure manner possible.

Kids' Privacy

We do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

Changes To Our Privacy Policy

We may change our Service and policies, and we may need to make changes to this Privacy Policy so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to this Privacy Policy and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Privacy Policy. If you do not want to agree to this or any updated Privacy Policy, you can delete your account.

Third-Party Services

We may display, include or make available third-party content (including data, information, applications and other products services) or provide links to third-party websites or services ("Third- Party Services").
You acknowledge and agree that PaySia shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. PaySia does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services.
Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Facebook Pixel

Facebook pixel is an analytics tool that allows you to measure the effectiveness of your advertising by understanding the actions people take on your website. You can use the pixel to: Make sure your ads are shown to the right people. Facebook pixel may collect information from your device when you use the service. Facebook pixel collects information that is held in accordance with its Privacy Policy

Tracking Technologies

 -Google Maps API

 Google Maps API is a robust tool that can be used to create a custom map, a searchable map, check-in functions, display live data synching with location, plan routes, or create a mashup just to name a few.
 Google Maps API may collect information from You and from Your Device for security purposes.
 Google Maps API collects information that is held in accordance with its Privacy Policy

 -Cookies

 We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously.

 -Sessions

 PaySia uses "Sessions" to identify the areas of our website that you have visited. A Session is a small piece of data stored on your computer or mobile device by your web browser.

Information about General Data Protection Regulation (GDPR)

We may be collecting and using information from you if you are from the European Economic Area (EEA), and in this section of our Privacy Policy we are going to explain exactly how and why is this data collected, and how we maintain this data under protection from being replicated or used in the wrong way.

What is GDPR?

GDPR is an EU-wide privacy and data protection law that regulates how EU residents' data is protected by companies and enhances the control the EU residents have, over their personal data.

The GDPR is relevant to any globally operating company and not just the EU-based businesses and EU residents. Our customers’ data is important irrespective of where they are located, which is why we have implemented GDPR controls as our baseline standard for all our operations worldwide.

What is personal data?

Any data that relates to an identifiable or identified individual. GDPR covers a broad spectrum of information that could be used on its own, or in combination with other pieces of information, to identify a person. Personal data extends beyond a person’s name or email address. Some examples include financial information, political opinions, genetic data, biometric data, IP addresses, physical address, sexual orientation, and ethnicity.

The Data Protection Principles include requirements such as:

 -Personal data collected must be processed in a fair, legal, and transparent way and should only be used in a way that a person would reasonably expect.
 -Personal data should only be collected to fulfil a specific purpose and it should only be used for that purpose. Organizations must specify why they need the personal data when they collect it.
 -Personal data should be held no longer than necessary to fulfil its purpose.
 -People covered by the GDPR have the right to access their own personal data. They can also request a copy of their data, and that their data be updated, deleted, restricted, or moved to another organization.

Why is GDPR important?

GDPR adds some new requirements regarding how companies should protect individuals' personal data that they collect and process. It also raises the stakes for compliance by increasing enforcement and imposing greater fines for breach. Beyond these facts it's simply the right thing to do. At PaySia we strongly believe that your data privacy is very important and we already have solid security and privacy practices in place that go beyond the requirements of this new regulation.

Individual Data Subject's Rights - Data Access, Portability and Deletion

We are committed to helping our customers meet the data subject rights requirements of GDPR. PaySia processes or stores all personal data in fully vetted, DPA compliant vendors. We do store all conversation and personal data for up to 6 years unless your account is deleted. In which case, we dispose of all data in accordance with our Terms of Service and Privacy Policy, but we will not hold it longer than 60 days.

We are aware that if you are working with EU customers, you need to be able to provide them with the ability to access, update, retrieve and remove personal data. We got you! We've been set up as self service from the start and have always given you access to your data and your customers data. Our customer support team is here for you to answer any questions you might have about working with the API.

California Residents

The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above.

We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:

 -Right to Know and Access. You may submit a verifiable request for information regarding the: (1) categories of Personal Information we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used by us; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information we have collected about you.
 -Right to Equal Service. We will not discriminate against you if you exercise your privacy rights.
 -Right to Delete. You may submit a verifiable request to close your account and we will delete Personal Information about you that we have collected.
 -Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
We do not sell the Personal Information of our users.
For more information about these rights, please contact us.

Contact Us

Don't hesitate to contact us if you have any questions.

-Via Email:  support@paysias.com
-Via this Link:  https://www.paysias.com/contacts

Definitions and key terms

To help explain things as clearly as possible in this Cookie Policy, every time any of these terms are referenced, are strictly defined as:

 -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
 -Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to PaySia, that is responsible for your information under this Cookie Policy.
 -Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit PaySia and use the services.
 -Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
 -Service: refers to the service provided by PaySia as described in the relative terms (if available) and on this platform.
 -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
 -Website: PaySia."’s" site, which can be accessed via this URL: https://www.paysias.com/
 -You: a person or entity that is registered with PaySia to use the Services.
 

Introduction

This Cookie Policy explains how PaySia and its affiliates (collectively "PaySia", "we", "us", and "ours"), use cookies and similar technologies to recognize you when you visit our website, including without limitation https://www.paysias.com/ and any related URLs, mobile or localized versions and related domains / sub-domains ("Websites"). It explains what these technologies are and why we use them, as well as the choices for how to control them.

What is a cookie?

A cookie is a small text file that is stored on your computer or other internet connected device in order to identify your browser, provide analytics, remember information about you such as your language preference or login information. They're completely safe and can't be used to run programs or deliver viruses to your device.

Why do we use cookies?

We use first party and/or third party cookies on our website for various purposes such as:

 -To facilitate the operation and functionality of our website;
 -To improve your experience of our website and make navigating around them quicker and easier;
 -To allow us to make a bespoke user experience for you and for us to understand what is useful or of interest to you;
 -To analyze how our website is used and how best we can customize it;
 -To identify future prospects and personalize marketing and sales interactions with it;
 -To facilitate the tailoring of online advertising to your interests.

What type of cookies does PaySia use?

Cookies can either be session cookies or persistent cookies. A session cookie expires automatically when you close your browser. A persistent cookie will remain until it expires or you delete your cookies. Expiration dates are set in the cookies themselves; some may expire after a few minutes while others may expire after multiple years. Cookies placed by the website you’re visiting are called “first party cookies”.

Strictly Necessary cookies are necessary for our website to function and cannot be switched off in our systems. They are essential in order to enable you to navigate around the website and use its features. If you remove or disable these cookies, we cannot guarantee that you will be able to use our website.

We use the following types of cookies in our website:

Errors and Omissions Disclaimer

PaySia is not responsible for any content, code or any other imprecision.

PaySia does not provide warranties or guarantees.

In no event shall PaySia be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. PaySia reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

General Disclaimer

The PaySia Service and its contents are provided "as is" and "as available" without any warranty or representations of any kind, whether express or implied. PaySia is a distributor and not a publisher of the content supplied by third parties; as such, PaySia exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the PaySia Service. Without limiting the foregoing, PaySia specifically disclaims all warranties and representations in any content transmitted on or in connection with the PaySia Service or on sites that may appear as links on the PaySia Service, or in the products provided as a part of, or otherwise in connection with, the PaySia Service, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by PaySia or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, PaySia does not warrant that the PaySia Service will be uninterrupted, uncorrupted, timely, or error-free.

Essential Cookies

We use essential cookies to make our website work. These cookies are strictly necessary to enable core functionality such as security, network management, your cookie preferences and accessibility. Without them you wouldn't be able to use basic services. You may disable these by changing your browser settings, but this may affect how the Websites function.

Performance and Functionality Cookies

These cookies are used to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously.

Marketing Cookies

These account-based marketing cookies enable us to identify future prospects and personalize sales and marketing interactions with them.

Analytics and Customization Cookies

These cookies collect information that is used to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website for you.

We use cookies served by Google Analytics to collect limited data directly from end-user browsers to enable us to better understand your use of our website. Further information on how Google collects and uses this data can be found at: https://www.google.com/policies/privacy/partners/. You can opt-out of all Google supported analytics on our Websites by visiting: https://tools.google.com/dlpage/gaoptout.

Social Media Cookies

These cookies are used when you share information using a social media sharing button or “like” button on our Site or you link your account or engage with our content on or through a social networking website such as Facebook, Twitter or Google+. The social network will record that you have done this. These cookies may also include certain code that has been placed on the platform to help track conversions from ads, optimize ads based on collected data, build targeted audiences for future ads, and remarket to qualified users who have already taken certain action on the platform.

Third Party Cookies

Some cookies that have been set on our website are not set on a first party basis by PaySia. The Websites can be embedded with content from third parties to serve advertising. These third party service providers may set their own cookies on your web browser. Third party service providers control many of the performance and functionality, advertising, marketing and analytics cookies described above. We do not control the use of these third party cookies as cookies can only be accessed by the third party that originally set them.

How you can manage cookies?

Most browsers allow you to control cookies through their 'settings' preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information. Browser manufacturers provide help pages relating to cookie management in their products.

Browser manufacturers provide help pages relating to cookie management in their products. Please see below for more information.

 -Google Chrome
 -Internet Explorer
 -Mozilla Firefox
 -Safari (Desktop)
 -Safari (Mobile)
 -Android Browser
 -Opera
 -Opera Mobile

Blocking and disabling cookies and similar technologies

Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser's help menu for more information.

Changes To Our Cookie Policy

We may change our Service and policies, and we may need to make changes to this Cookie Policy so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to this Cookie Policy and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Cookie Policy. If you do not want to agree to this or any updated Cookie Policy, you can delete your account.

Your Consent

By using our website, registering an account, or making a purchase, you hereby consent to our Cookie Policy and agree to its terms.

Contact Us

Don't hesitate to contact us if you have any questions regarding our Cookie Policy.

-Via Email:  support@paysias.com
-Via this Link:  https://www.paysias.com/contacts

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