PAYOK’s payment methods includes, bank transfer, e-wallet, QR codes and other payment methods unique to each geographical area. PAYOK is an independent establishment which operates solely on its own and does not act as an agent.
You may permit third party service providers licensed by applicable law to:
Provide account information services to access information about your account on your behalf;
Confirm whether an amount necessary for the execution of a card-based payment transaction is available on your account; or
Provide payment initiation services to initiate payments from your account on your behalf.
Granting permission to any third party to access your PAYOK account in any way does not relieve you of any of your responsibilities under this user agreement. You are liable to us for the actions that you authorize the third parties to carry out. You will not hold us responsible for, and you will indemnify us from, any liability arising from the actions or inactions of such third parties in connection with the permissions you granted, subject to your mandatory legal rights.
1. Overview
PayOK has developed this Privacy Statement to explain how we may collect, retain, process, share and transfer your Personal Data when you visit our Sites or use our Services. This Privacy Statement applies to your Personal Data when you visit Sites or use Services, and does not apply to online websites or services that we do not own or control, including websites or services of other PAYOK Users. This Privacy Statement is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Sites and Services. Please note that our Service offerings may vary by region.
2. What Personal Data Do We Collect? We may collect information about you when you visit our Sites or use our Services, including the following:
• Registration and use information – When you register to use our Services by establishing an Account, we will collect Personal Data as necessary to offer and fulfill the Services you request. Depending on the Services you choose, we may require you to provide us with your name, postal address, telephone number, email address and identification information to establish an Account. We may require you to provide us with additional Personal Data as you use our Services.
• Transaction and experience information – When you use our Services or access our Sites, for example, to make purchases from merchants, to receive money, to process payments, or to send money to friends and family, we collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information.
• Participant information – When you use our Services or access our Sites, we collect Personal Data you provide us with about the other participants associated with the transaction. To Send or request money: When you send or request money through the Services, we collect Personal Data such as name, postal address, telephone number, and financial account information about the participant who is receiving money from you or sending money to you. The extent of Personal Data required about a participant may vary depending on the Services you are using to send or request money. To Pay or request someone else to pay a bill: If you use our Services to pay a bill for the benefit of someone else, or if you request a User to pay a bill for you, we collect Personal Data from you about the account holder such as name, postal address, telephone number, email address, and account number of the bill that you intend to pay or request to be paid.
• Information about you from third-party sources – We obtain information from third-party sources such as merchants, data providers, and credit bureaus, where permitted by law.
We may Process your information for the following reasons
• To operate the Sites and provide the Services, including to: initiate a payment, send or request money, add value to an account, to authenticate your access to an Account; to communicate with you about your Account, the Sites, the Services, or PAYOK; to create an account connection between your Account and a third-party account or platform; and to perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes. To keep your Account and financial information up to date.
• To manage our business needs, such as monitoring, analyzing, and improving the Services and the Sites’ performance and functionality. For example, we analyze User behavior and perform research about the way you use our Services.
• To manage risk and protect the Sites, the Services and you from fraud by verifying your identity. PAYOK’s risk and fraud tools use Personal Data, Device Information, Technical Usage Data and Geolocation Information from our Sites.
• To market to you about PAYOK’s products and Services and the products and services of unaffiliated businesses. We may also Process your Personal Data to uniquely tailor the marketing content and certain Services or Site experiences to better match your interests on PAYOK and other third-party websites.
• To comply with our obligations and to enforce the terms of our Sites and Services, including to comply with all applicable laws and regulations.
We may revise this Privacy Statement from time to time to reflect changes to our business, the Sites or Services, or applicable laws. The revised Privacy Statement will be effective as of the published effective date. If the revised version includes a substantial change, we will provide you with 30 days prior notice which will be published on our website.
The information contained in this website is for general information purposes only. The information is provided by PAYOK and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Venue: SMX Convention Center - Manila
Date: June 3-4
