Important: by accessing and/ or using Paylow systems Ltd.'s, and its affiliates, including but not limited to Paylow Systems UK Ltd. ("Company","Paylow", "we", "us" or "our") online platform and related support services through the Paylow website available at www.paylow.app or through an app-like quick access shortcut which you can download to your computer or mobile device (collectively,"Services") , you acknowledge and agree that we may process your Personal Information (defined below) in accordance with this Privacy Policy. If you do not accept this Privacy Policy, please do not access the Services.
“Personal Information” means any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
This Privacy Policy describes our data practices regarding Personal Information we collect and process in compliance with applicable data protection laws.
This Privacy Policy does not apply to any Personal Information collected by third party websites or apps not operated by Paylow.
You are not legally required to provide us with your Personal Information, however, some parts of our Services may require you to do so. In these cases, if you choose to withhold any Personal Information we request, it may not be possible for you to access or use certain features of our Services. We recognize that privacy is important. This Privacy Policy applies to all of the services, information, tools, features and functionality offered by us and covers how we treat Personal Information.
If you have any questions about this Privacy Policy, please feel free to contact us at office@paylow.app.
Please also read our Terms of Use available at www.paylow.app/terms-of-use,which describe the general terms that apply to your access and/or use of the Services.
In order to provide and improve our Services, and for marketing and customer relations purposes, we may collect and process the following categories of your Personal Information, for the following purposes and on the following legal bases:
Once you successfully register for a Paylow account, you will be redirected to Moneyhub to enable Moneyhub to collect account information from your bank account and to transfer that information to us.
We may sometimes supplement the Personal Information you provide with information that is received from third parties.
If (1) you are not our customer yet, or if we (2) wish to promote services of any third parties, or (3) communicate your contact information to any third parties to enable them to send you their marketing communications, we will ask for your consent before we do this.
You may opt-out of our mailing list, at any time, by submitting a request at the following link: office@paylow.app.
Please note that even if you opt-out of receiving marketing communications, we may still send you a response to any“Contact Us” request as well as administrative e-mails necessary to facilitate your use of our services.
This processing may be based on your consent where required under applicable law.
1. Security
We may process your Personal Information to protect the integrity of our Services; to prevent, detect, mitigate, investigate, and protect against misuse of our systems, fraud, crime, security breaches, and potentially prohibited or illegal activities such as money laundering, or otherwise to protect our or third-party rights or interests.
Such processing is based on our legitimate interests to ensure security of our Services.
2. Legal
We may process your Personal Information to comply with the law; to resolve disputes; to cooperate with government or other legal inquiries, and to respond to subpoenas, court orders, or legal process; fulfill regulatory reporting obligations; to establish or exercise our legal rights or defend against legal claims and otherwise protect our or others’ rights/assets.
Such processing is based on our legal obligations, and/or, where non-applicable, our legitimate interests to comply with applicable regulations and defend our interests in court.
We may process your Personal Information in connection with a merger, acquisition, consolidation, bankruptcy, or other corporate transition, affecting all or part of our assets, including during due diligence.
Such processing is based on our legitimate interests to enter into business transactions.
In order to collect the information described here in we may use temporary cookies that remain on your browser or device for a limited period of time. We may also use persistent cookies that remain on your browser or device until the services are no longer accessed, in order to manage and maintain our services and record your use thereof.
A cookie is a small piece of information which is sent to and stored on your browser or device. Cookies do not damage your browser or device. You may not be able to use some of the Services' features if you block them.
We may also use web beacons to collect information. Web beacons, or "gifs", are electronic images that maybe used in the Services or in our emails. We use web beacons to deliver cookies, count visits and to tell if an email has been opened and acted upon.
We may use remarketing services to inform you of new programmes, blogs, and opportunities by placing ads on third party websites to you. We and our third-party vendors, use cookies to inform, optimize and serve ads based on your past visits to our Services.
To opt in or opt out of certain cookies, please modify your cookie settings through the “Learn more and customize” link. You can find more information about cookies used on our Services in our Cookies policy (available at www.iubenda.com/privacy-policy/82216642/cookie-policy).
We may display links to other services, sites, and applications on our Services for your convenience. We are not responsible for the privacy practices or the content of other sites and applications, and you visit them at your own risk. This Privacy Policy applies only to our Services and the Personal Information collected by us.
If you are a child under the age of 18, you must obtain parental consent prior to using our Services. We will not knowingly contact or engage with children under the age of 18 without said parental consent. If you have reason to believe that a child has provided us with their Personal Information without said parental consent, please contact us at the address given above and we will endeavour to delete that Personal Information from our databases.
For us to be able to provide our Services, our affiliates, agents, and representatives may need to have access to your Personal Information.
We may also need to contract with partners and third-party service providers to perform certain functions on our behalf. To this end, we limit these parties’ access to the Personal Information they need to perform the functions they carry out on our behalf. We require these parties to process your Personal Information in compliance with this Privacy Policy and subject to security and other appropriate confidentiality safeguards. Examples include service providers who enable switching services for your subscriptions with various suppliers (such as gas, electricity, broadband etc.).
We may also share your Personal Information in the following circumstances:
· With our potential business partners or advisors if we become involved in are organisation, merger, consolidation, acquisition, or any form of sale of some or all of our assets;
· With our Service providers or consultants to ensure security and for purposes of debugging;
· With competent authorities, public bodies, officers of the law, ministerial officers, debt collection bodies, lawyers, and consultants, to satisfy applicable law or prevention of fraud or harm or to enforce applicable agreements and/or their terms, including investigation of potential violations;
· The ads appearing on our Services, if any, may be delivered to you by third-party network advertisers, ad agencies, analytics service providers, and other vendors to provide us with data regarding use of and traffic (including without limitation the pages viewed and the actions users take when visiting) and the effectiveness of our advertisements. These third parties may set and access their own tracking technologies on your device (including without limitation cookies and web beacons) and may otherwise collect or have access to data about you (such as device identifier). Some of these parties may collect Personal Information data over time when you visit our Services;
· If you have an account on social network sites and access our Services, we may receive information from such social networks, and the social network services may receive information relating to your use of our Services. For example, such information sharing is in place for LinkedIn Lead Generation.
We follow generally accepted industry standards to protect against the unauthorised access to or unauthorise dalteration, disclosure or destruction of your Personal Information. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your Personal Information, we cannot guarantee its absolute security.
We only keep your Personal Information for as long as reasonably necessary for the purposes for which it was collected or to allow us to comply with any legal obligations.
Our criteria for determining the period during which we keep your personal data include considering the time period reasonably necessary to provide our Services to you, exercise the choices and rights you have requested, comply with our contractual obligations, enforce our Terms for Use of our Services, and comply with legal and regulatory requirements.
For specific details regarding our retention practices, please refer to our Data Retention Policy.
The following rights are extended to you with respect of any Personal Information collected or processed by the Company, as required of the Company under applicable law. We have summarised below your rights in relation to the Personal Information we collect and process:
You may exercise the above rights by sending a request to office@paylow.app.
Right to Lodge Complaint. You also have the right to lodge a complaint with a data protection supervisory authority regarding the processing of your Personal Information.
The Company regularly reviews its compliance with this Privacy Policy. Please feel free to direct any questions or concerns regarding this Privacy Policy or our treatment of Personal Information by contacting us as provided above. When we receive formal written complaints, it is the Company's policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of Personal Information that cannot be resolved between the Company and an individual.
We may update this Privacy Policy from time to time. We will notify you about significant changes in the way we treat your Personal Information by sending a notice to the email address linked to your Paylow account or by placing a prominent notice on our Services. We encourage you to periodically review this Privacy Policy for the latest information about our privacy practices.
Any changes will be effective immediately once the revised Privacy Policy is made available on our Services unless otherwise specified. If you continue to use our Services after the changes become effective, we will assume you agree to these changes.
The server on which our Services are hosted and/or through which our Services are processed may be outside the country from which you access our services.
Some of the data uses and disclosures mentioned in this Privacy Policy may involve the transfer of your Personal Information to various countries around the world that may have different levels of privacy protection than your country and may be transferred outside of the UK or the European Economic Area.
If there is a transfer of your Personal Information outside the EEA we will, in the absence of an applicable adequacy decision relevant to the destination country or to the transfer, seek to rely on appropriate safeguards such as entering into appropriate EC approved standard contractual clauses (see https://commission.europa.eu/law/law-topic/data-protection/international-dimension-data-protection/standard-contractual-clauses-scc_en). By submitting your Personal Data through theServices, you consent, acknowledge, and agree that we will collect, use, transfer, and disclose your Personal Data as described in this Privacy Policy.
Last updated: 18 February 2025
