Legal notices

Company information

NordPay Financial LTD

Registration number: 07329550

EU VAT: GB113812938

FCA Financial Licence: 535688

Address: Holland House, 1-4 Bury Street, London, EC3

Legislation of electronic payments

Nordpay Financial Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 [ref. 535688] for the provision of payment services.

Cardholder's rights

All electronic sales of goods or services must respect the rules of distance sale:

• clear information before buying, including the name of the merchant, the shipping costs and the amount of the VAT, the complete postal address of the merchant in case of goods
• fraud protection in case of credit card payments
• refund if the good or the service is not in accordance with the specifications
• every buyer has the right to be refunded within 7 days according to European Council Directive from 20 May 1997

A buyer has the right to ask for a transaction refund to his bank according to VISA and MASTERCARD rules, within 6 months after the transaction is made. A charge-back can be made in the following cases:

• the product or the service have not been delivered
• the product or the service is not in accordance with the order
• the merchant has cancelled the order without refunding the buyer
• the credit card has been used in a fraudulent transaction

If the charge-back is justified, the buyer well be credited with the debited amount and the merchant will be debited with the same amount plus the charge-back fees.

VAT Regulations in the European Union

Every company that is not registered in the EU who sales goods or services on Internet to clients from European Union that are not subject to VAT must sale at a price that includes the VAT.
In this manner, to be in accordance with the European law, more precisely with the European Union Directive from May 2006, every company that it is not registered in the European Union who sells to residents from at least one European Union country must register itself to European Authorities in order to invoice the electronic sale with VAT, which must be paid after.

Two options are possible:

• A company not from EU that sells goods by Internet to European Union citizens must:
  • register itself in every country where it will deliver the goods
  • invoice the VAT to its customer depending of his country of origin
  • take into account the collected VAT
  • designate a fiscal representative in every country in order to pay the collected VAT to the states where the VAT was collected
• A company not from EU that sells services by Internet to European Union citizens must:
  • register itself in one of the member states
  • invoice the VAT to its customer at the rate in force in the country where the company is registered
  • pay the collected VAT to state that provided the VAT intra-communitary number

"Know Your Customer" Policy

Nordpay must respect the anti-money laundering legislation and must collect a certain number of elements regarding each merchant.
Furthermore, each merchant must know his customers and must be able to provide at any moment, if an express demand is made, all information regarding a specific customer. This means that each merchant must apply a policy aiming to know and identify his customers.
Nordpay verifies the origin of each sale: a sale can come only from the site declared by the merchant. A sale via a Paysite-cash script configured for a site cannot come from another site.
The tools provided by Paysite-cash are conceived to help the merchant in their daily work, in their global sales.
Our main purpose is to minimize the charge-back risks and the fraud attempts. That is why our "Know Your Customer" procedures are very strict.

All information is collected, transferred and conserved according to law principles of data protection and according to private life protection and electronic communication regulations stated by the European directive "private live and electronic communications" from 11 December 2003.

Nordpay does not share, sale, rent or transmit its gathered private information to third parties except in case of express demand from the state.

In order to better know its customers, Nordpay accepts only companies.

At the time of the registration, every merchant must return the contract duly completed and signed accompanied with the following pieces:

• a copy of the identity card or of the passport of the company's legal representative
• a recent utility bill (less than 3 months) like a recent invoice or taxation notice
• a copy of the company's registration certificate (K-bis in France or other documents according to each country)

Lois anti-blanchiment

Nordpay will respect the in-force anti-money laundering laws. The company will respect the following rules:

• will know the real identity of each merchant
• will not accept merchants with an activity that does not respect the Nordpay rules and principles or the in force laws
• will not collect any funds for the merchants if the origin of these funds is questionable or illegal
• will not ignore the funds coming from illegal activities
• will inform the relevant authorities in case of suspect activities
• will not provide any help or information aiming to bypass the laws of any country
• will cooperate with the legal authorities

Paysite-Cash values your privacy. In order to provide you with a service, understand how you use our site, and to create more valuable experiences for you, we may collect data about your use of this site. Please view our Privacy Policy that outlines how we gather and use this data.

The Privacy Policy link above would take the customer to this doc below on the website. A link to the Privacy Policy should also be available directly off the website

Introduction

This privacy policy relates to Paysite-Cash.com and explains how we collect, store and use Customer Personal Information (Personal Information) when you visit this website. Paysite-Cash takes data privacy very seriously and makes every effort to store all Personal information securely and to use it only in accordance with the law. We may use the Personal Information gathered to ensure we provide you with relevant information and also to improve your experience when using the website.

If you proceed to use the website we assume that you have read, understood and agreed to this privacy policy and that you consent to Paysite-Cash using your Personal Information as set out below. If you are not certain this is the case, please do not browse this website any further.

This policy is reviewed and may be changed on an annual basis or at any time that new legislation may require it.

What is Personal Information

Personal Information is defined as information about you, from which you could be identified. Examples of such Personal Information includes (but is not limited to) names and addresses; ID numbers (including passports, driving licences and ID card number); email addresses; telephone numbers; dates of birth; photographs; and tax IDs.

Collection of Information

Paysite-Cash automatically collects some data, when you access our website. We use this data to understand how we can improve the customer experience and where potential customers may be having difficulties using the website or failing to conclude the sales process.

Information is collected in a number of ways.

Personal Information is collected and retained when you visit our website, complete application forms on our website and also when you make contact with us through the phone or e-mail. If you provide Personal Information on behalf of a third party, perhaps another director of your business for example, we assume that you have their permission to share their Personal Information with us and that you have made them aware of this policy

Paysite-Cash may also undertake activity to verify the Personal Information you have provided. This may entail contacting third parties such as credit reference agencies, information providers, analytics providers and other business providers and downloading the Personal Information they hold.

Use of Information

Your Personal Information may be used in a number of ways as set out below, however we will always obtain your explicit or implied consent prior to doing so.

• To provide you with information about the services we provide, or
• to help us develop the user experience on our website, understand customer requirements and determine whether we can provide you with the service requested, or
• to provide you with all of the services that you have applied for.

We may also provide your Personal Information to third parties but only in exceptional circumstances as detailed below.

• To assist with law enforcement enquiries or disclosures concerning fraud or money laundering investigations where we believe there may be suspicious activity, or
• where required to do so by law, in response to a Court order, warrant, or other appropriate legal instrument

Use of Cookies

Paysite-Cash uses a small number of cookies to understand the activity that takes place on its website and also to enhance the user experience. Cookies are small data files that sit on the user’s computer enabling Paysite-Cash to understand the pages you are viewing, where you are viewing from and your preferences in terms of matters such as language.

The list of cookies used by Paysite-Cash can be seen at the end of this document.

Cookies can be turned off by changing the settings in your browser. There is some useful information about how to do this at http://www.aboutcookies.org/

Changes to this Policy

This policy may be amended at any time by Paysite-Cash. Every time the policy is changed an updated version will be made available on the website.

Your Right of Access

In accordance with the relevant legislation you have a right to see what information Paysite-Cash holds about you. A £10 fee is payable in advance for this information and we will request confirmation of your identity prior to responding. All such requests are subject to certain legal restrictions as set out in the legislation and should be sent to the e-mail address below.

How to Contact Us

This policy has been developed and published by Paysite-Cash. If you have any queries these should be address to [email protected]

Cookies used

Detailed below are the cookies used by Paysite-Cash, their purpose and their categorization.

Name	Purpose	Categorization
_cfduid psctrack psc cryptcookietest pscresellerid	To enable you to access and navigate the website more easily or access secure areas of the site.	Strictly Necessary
_utma _utmb _utmc _utmt _utmz _utmv	To enable you to access and navigate the website more easily or access secure areas of the site.	Performance
Language country	To enable you to access and navigate the website more easily or access secure areas of the site.	Functionality
None currently	To allow us to provide marketing material that is more relevant to you and the interests you have expressed and to limit the number of times you will see it.	Targeting