General Privacy Policy

micropayment™ AG Lindenhof 4 CH 6060 Sarnen


We, micropayment™ AG, take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations as well as this data protection statement.

The use of our website is normally possible without giving personal data. If personal data are collected on our pages, this is always done on a voluntary basis as far as possible. These data will not be passed on to third parties without your express consent.

We would like to point out that data transmission on the Internet (for example, when communicating via e-mail) can present security gaps. A complete protection of the data before access by third parties is not possible.

If you use one of our payment services, additional data protection statements apply. You will be informed of their validity separately before using the respective service.

With these general privacy policies, we would like to inform you which personal data we collect, process and use when you visit our website (for example to inform us about our products and services):


Use and storage of data when visiting our website

When visiting our website, we temporarily store this access in a log file on our web server. The record is collected and stored. This process is necessary to ensure optimal use of our website and is done in an anonymous form.

If you do not register, we do not collect any personally identifiable information, except for the information that your browser submits to allow you to visit the site. These are the anonymized IP address, date and time of the request, time zone difference to the greenwich mean time (GMT), content of the request (concrete page), access status / HTTP status code, respectively transmitted data volume, website from which the request comes, browser, operating system and its interface, language and version of the browser software.

Furthermore, cookies are generally stored on your computer when you use the website. Please refer to the separate explanations below.

When contacting us (for example via a contact form or e-mail), the user's data are stored for the purpose of processing the inquiry as well as in the event that connection questions arise.

In case of user registration, we collect certain personal data. Please refer to the separate explanations below.


Server-Log-Files

The provider of the pages automatically collects and saves information in so-called server log files, which your browser automatically transmits to us. These are:

  • browsing type and browsing version
  • operating system used
  • referrer URL
  • hostname of the accessing computer
  • time of the server request

This data cannot be attributed to any particular person. This data is not merged with other data sources. We reserve the right to review these data at a later date, if we become aware of any concrete indications for unlawful use.


Cookies

Our Internet pages sometimes use so-called cookies. Cookies do not damage your computer and contain no viruses. Cookies serve to make our offer more user-friendly, effective and safer. Cookies are small text files which are stored on your computer and which your browser saves.

Most of the cookies we use are so called "session cookies". They are automatically deleted after your visit. Other cookies remain on your device until you delete them. These cookies allow us to recognize your browser on the next visit.

You can set your browser to inform you about the setting of cookies, to allow cookies in individual cases, to exclude the acceptance of cookies for specific cases or in general, and to activate the automatic deletion of cookies when the browser is closed. The functionality of this website may be restricted when cookies are deactivated.


Conversion Tracking

If you've reached us through an ad on Google or the Google Advertising Network, Google may have already set a cookie on your computer that has a 30-day lifetime ("conversion cookie"). If you visit the pages of our Website during this period ("conversion"), we will include a code provided by Google on the following page ("conversion Page"). This causes your browser to connect to Google and submit the content of the conversion cookie. Google will recognize that your click on a particular ad has led to a conversion and will provide us with the result in a prepared, statistical, and non-personal form ("conversion tracking"). For Google privacy and conversion tracking, please see

http://www.google.de/intl/de/policies/privacy and https://support.google.com/adwords/answer/1722022?hl=de

You may object to conversion tracking:

  • You can configure your browser to not accept cookies. However, the use of our website and services may be restricted, or
  • You can disable Google's interest-based ads in Google ad settings: http://www.google.com/settings/ads/onweb/?hl=de

Analysis software PIWIK

This website uses the open source web analytics service Piwik. Piwik uses so-called "cookies". These are text files that are stored on your computer and allow you to analyze the use of the website. For this purpose, the information generated by the cookie about the use of this website is stored on our server. The IP address is anonymized before storage.

The information on the use of this website generated by the cookie is not passed on to third parties. You can prevent cookies from being saved by setting your browser software accordingly; however, we would point out that in this case you may not be able to fully utilize all the functions of this website.

If you do not agree to the storage and use of your data, you may wish to deactivate it under the Disable Link below. In this case, an opt-out cookie is stored in your browser which prevents Piwik from storing user data. If you delete your cookies, this also means that the Piwik Opt-Out cookie is also deleted. The opt-out must be reactivated when you visit our site again.

Disable PIWIK Widerspruch


Facebook-Plugins (Like-Button)

You can find plugins of the social network Facebook, provider Facebook Inc., 1 Hacker Way, Menlo Park, California 94025, USA, on our site. You can recognize the Facebook plugins on the Facebook logo or the "Like-Button" on our site. An overview of the Facebook plugins can be found here: http://developers.facebook.com/docs/plugins/.

When you visit our pages, the plugin is used to establish a direct connection between your browser and the Facebook server. Facebook will be informed that you have visited our site with your IP address. If you click the Facebook Like button while you are logged into your Facebook account, you can link the content of our pages to your Facebook profile. This allows Facebook to associate the visit of our pages with your user account. We would like to point out that as a provider of the pages we do not receive any knowledge of the content of the transmitted data as well as their use by Facebook. For more information, see Facebook's Privacy Statement http://de-de.facebook.com/policy.php.

If you do not want Facebook to associate the visit of our pages with your Facebook user account, please log out of your Facebook user account.


Twitter

Functions of the Twitter service are integrated on our sites. These features are offered by Twitter Inc., 1355 Market Street, Suite 900, San Francisco, CA 94103, USA. By using Twitter and the "Re-Tweet" feature, the websites you visit are linked to your Twitter account and shared with other users. This data is also transmitted to Twitter. We would like to point out that as a provider of the pages we are not aware of the content of the transmitted data as well as their use by Twitter. For more information, see Twitter's Privacy Statement http://twitter.com/privacy.

You can change your privacy settings on Twitter in the account settings at: http://twitter.com/account/settings ändern.


LinkedIn

Our website uses the functions of the LinkedIn network. Provider of LindekIn Is the LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA. Each time you visit one of our sites that contain LinkedIn, LinkedIn connects to LinkedIn servers. LinkedIn is informed that you have visited our Internet pages with your IP address. If you are a LinkedIn member, click here to log in to your account. If you are not a LinkedIn member, click here to become a member. We would like to point out that as a provider of the pages we have no knowledge of the content of the transmitted data as well as their use by LinkedIn.

For more information, see LinkedIn's Privacy Statement: https://www.linkedin.com/legal/privacy-policy


XING

Our website uses functions of the XING network. The provider is XING AG, Dammtorstraße 29-32, 20354 Hamburg, Germany. Each time you visit one of our pages that contain XING features, you will be connected to XING servers. As far as our knowledge is concerned, personal data are not stored. In particular, no IP addresses are stored an no usage behavior is evaluated.

For more information on the Privacy Policy and the XING Share Button, please visit the XING Privacy Statement at: https://www.xing.com/app/share?op=data_protection


Contact form

If you send us inquiries by means of a contact form, your information from the inquiry form, including the contact details provided there, will be stored with us for the purpose of processing the inquiry and for the case of connection questions. We will not pass on this data without your consent.


Use of live chat feature (Zendesk Chat)

This site uses Zendesk Chat (formerly Zopim), a live chat software from the company Zendesk Inc., 989 Market Street # 300, San Francisco, CA 94102. Using Zendesk Chat, the user is shown whether one of our employees is online to provide an immediate response. For this purpose, all visitors of our pages are recorded with their IP address and the page visited at the moment. The IP address is anonymized.

Zendesk Chat uses cookies. The information on the use of our website (including your anonymous IP address) generated by the cookie is transferred to a Zendesk Chat server in the USA and stored there. The information is only visible for the moment of the stay on a certain page and will not be saved. Conducted chats are logged and saved. You can prevent the installation of cookies by setting your browser software accordingly; we would like to point out that in this case not all functions of the website can be used fully.

For more information about Zendesk's data processing, see Zendesk's Privacy Statement at http://www.zendesk.com/company/privacy. If you have any questions, please contact the Zendesk Data Protection Officer: privacy@zendesk.com

By using this website, you agree to the processing of the data collected about you by Zendesk Chat in the manner and for the purposes set out above.


Use and storage of data in case of user registration

In the case of user registration, we collect certain personal data as registration information (mandatory fields). These data include the salutation, the surname, the e-mail address and the password, as well as, in the case of legal persons, the company name of the legal person.

The application for a Micropayment account as well as the use of our payment services are only possible if the user has provided the required data (hereinafter also "master data") completely and correctly. These data can be entered at the beginning or later be supplemented before a release decision.

For companies the necessary master data include:

  • data on the person acting: name, surname, place of birth, date of birth, identity card or passport, indicating the issuing authority, the address, e-mail address and telephone number
  • data on the company: company name, legal form, registration number, if applicable, name of the responsible registrar, the registered office and business address, web presence / URL, bank connection for payment of credit, tax identification number

for natural persons the necessary master data include:

  • name, place of birth, date of birth, ID number or passport, indicating the issuing authority, the address, the e-mail address or the telephone number, the bank account for the payment of credit balances and the tax identification number

Additional information on the user's experience and knowledge can be requested for reasons of risk awareness.

All collected data are shown in the respective input masks. Necessary mandatory details are marked by *, and further information is voluntary.

Your personal data can be viewed at any time in your personal ControlCenter by logging in with username and password on our website.

We use the collected data exclusively to provide our contractual services, that is, in particular to make a login available on all our pages, to allow the user data to be maintained, to manage the newsletter and product information and to provide a portfolio overview, including the relevant documents, for all transactions executed.

The data collected are also used to process the desired payment services. For this purpose, the data are passed on to our cooperation partners, FinTech Group Bank AG, 1Cash Solutions GmbH and EVO Payments International GmbH, where appropriate, for the provision of forms of foreign payment.


Newsletters

If you would like to receive the newsletter offered by us, we require you an e-mail address as well as information which allows us to verify that you are the owner of the e-mail address given and agree to receive the newsletter. Further data is not collected. We use this data exclusively for sending the requested information and do not pass it on to third parties.

You may revoke your consent to the storage of the data, the e-mail address and its use for sending the newsletter at any time via the ControlCenter.


SSL-encryption

This site uses SSL encryption for security reasons and for the protection of the transmission of confidential content such as the inquiries you send to us as a site operator. An encrypted connection indicates that the browser's address line changes from "http: //" to "https: //" and on the lock icon in your browser line.

If the SSL encryption is activated, the data that you transfer to us can not be read by third parties.


Hosting

Our websites are operated (hosted) on our own servers at a German location.


Right to information, deletion, blocking

You are always entitled to free information about your stored personal data, its origin and recipient, the purpose of data processing, and the right to correct, block or delete this data. Our data protection officers are at your disposal for answering questions and further questions on data protection:


micropayment™ AG
Lindenhof 4
CH 6060 Sarnen

E-Mail: datenschutz@micropayment.ch


Version: 2.0, Stand: 01.10.2017