This Privacy Policy governs your use of the products, services, content, features, and techniques offered by and all related websites, programs and services.

You agree to this Privacy Policy when you create, open or use a account.
By accepting and agreeing to the Privacy Policy, you expressly acknowledge that we use and disclose your personal information and instruct us to do so in the manner described in this Privacy Policy.

1. Overview

In order to provide and to reduce the risk of fraud,, as the personally responsible person, asks you to provide information about you and your debit card and / or your bank account. By agreeing to and agreeing to the terms of this Privacy Policy, you expressly consent to and agree that we process your information as described herein. This Privacy Policy describes the information we collect and how we use this information. takes your personal information very seriously and will only use your information in accordance with the terms of this Privacy Policy. For this privacy policy, the terms “information” or “assignment” means any confidential information and / or information that may be used to identify you and any other information associated with the users of, including but not limited to customers and traders (legal entities).

We will not sell or rent any part of your personal information to third parties for promotional purposes without your express consent. In order for us to offer to our users, improve the quality of our services and protect our users’ interests, we will, under limited circumstances, share certain personal data with third parties under strict restrictions, unless otherwise stipulated by agreement.

Changes to the Privacy Policy: Any future changes to the Privacy Policy that are listed in the Policy Update that has already been published on the “Legal Agreements” page on the website at the time you sign up for the Services are incorporated into this Privacy Policy by referencing and entering into force as specified in the current policy update. “Policy Update” refers to a prior notice of changes to any of your agreements with as may provide you in writing. If you do not agree to the terms of this Privacy Policy, do not register or use services.

Third Party Sites: Some pages on the website contain links to third-party sites. These websites are governed by their privacy policies and is not responsible for their activities, including but not limited to their information practices. Users who send information to or through these third-party websites should review the privacy policies for the sites before identifying personal information on them.

Not a framework agreement: To eliminate all doubts, this privacy policy does not constitute a “framework agreement” for the application of the EU Payment Services Directive (2007/64 / EC) or the introduction of this Directive within the EU or EEA (including but not limited to UK rules for payment services from 2009).

Special notice regarding children: Children are not entitled to use services and we encourage minors (under 18 years) to not send any personal information to us and not to use services.

2. Information we collect

Mandatory Information: If you want to open a account or use, you may need to enter your name, address, phone number, and email address. In order to make payments via, you must provide information about a credit card, debit card or bank account. We also ask you to choose two different security questions to answer (for example, your birthplace or pet’s name).
We will also request other commercial information and / or identification information in cases where this is required to fulfill our European law obligations to prevent money laundering.
Use of your device: When you use from a device (whether you connect to wirelessly, through a fixed connection or otherwise), we may collect and store registration data for the device (including and without device id restriction) and geographic location to provide

Photos: If you use some of our features, we may ask you to transfer an image on your own to provide those services. It must be possible to recognize your face. The picture is entirely your responsibility.
Transaction Information: When you use to pay to someone else or request payment from another person, we request information about that transaction. The information contains information about the amount and transaction type and other purchase information as well as third party email address. When you pay to another customer, you may be prompted to provide personal information to this customer to complete the transaction. This information can also be forwarded to us from the customer. We also register Internet address (IP address) and other identification information about the computer or device you use to access your account or use services, to more easily detect possible cases of unauthorized transactions.

Third Party Information: In order to protect all our customers against potential fraud, we check the information you provide with payment processors and / or credit and anti-fraud agencies. In connection with these checks, we will receive personally identifiable information about you through these services. Especially if you register a credit or debit card or bank account at, we will use card and fraud checks to verify that your card or bank details and your address match the information you have submitted to and that The card has not been reported as lost or stolen.

If you send or receive large payment volumes through or if you as a retailer have a limited sales history, we will in some cases do a background check on your business by retrieving information about you and your business, and possibly (if the law allows ) about your directors, shareholders and partners, from a credit reporting or anti-fraud agency. If you owe us money, we generally request credit information from a credit reporting or anti-fraud agency to obtain further information about you, to the extent permitted by law. reserves the right, at its sole discretion, to regularly retrieve and review corporate and / or consumer credit reports provided by such credit reporting or anti-fraud agencies for any account and reserves the right to terminate an account based on the information received during the credit review process.

If you use your account to sell items, we may also get public information about your business and behavior on social media (such as your email address and the number of “likes” and “people following you “) to the extent that it is relevant to confirm an assessment of your transactions and / or your business, including size and size of the customer base.

Information about you from other sources: We may also retrieve information about you from other sources, including members of the business group or other companies (subject to their privacy policies and applicable laws) as well as from other accounts we are reason to believe you are controlling (partial or complete).

Additional Verification: If we can not verify the information you provide, or if you request a transfer by check to a different address than the verified billing address for your debit card, we may ask you to send or send more information to us by fax (t .ex. your driving license, a debit card statement and / or a current household bill or other information that binds you to the appropriate address) or answer more questions online to help us control your information.

Information about site traffic: By the way in which the Internet communication standards work, we automatically get information about the website you are from and the one you go to when you arrive at the respective website. We also collect information about which pages you visit, IP addresses, which browser you use, and what times you visit our site.

Cookies, Web Beacons, Local Storage, and Similar Techniques: When you use our site or, we (including the companies we work with) can place small data files on your computer or device. These data files may be cookies, pixel tags, “flash cookies” or other local storage provided by your browser or associated applications (commonly referred to as “cookies”). We use cookies to recognize you as a customer, customize, content and advertising, measure the impact of campaigns, ensure that there is no violation of your account, reduce the risks and prevent fraud, and promote the reliability and security of our websites and

It is up to you to deny our cookies if your browser or browser add-ons allow it, unless our cookies are required to prevent fraud or ensure the security of the websites we control. Refusing our cookies may, however, violate your use of our website or

More detailed information about the use of these technologies is available in our Cookies, Web Beacons, and similar policies.

Communication: When communicating with us (eg via email, fax, phone, Twitter, etc.), we will save that information and our responses to you in your account.
Surveys, surveys and profile data: From time to time, we offer optional surveys and surveys to our users to collect demographic information or assess the interests and needs of our users. If we collect personally identifiable information from our users in these surveys and surveys, users will be informed of how the information will be used before participating in this survey or survey.

Account Information: In this privacy policy, the term “account information” includes, without limitation: name, address, email address, phone number, username, photo, IP address, device ID, geographic information, account number, account type, financial instrument details Account Details, Payment Transactions Details, Business Transactions Details, Customer Statements and Reports, Account Settings, Identity Details Collected as part of our “Learn Your Customer” Control, and Customer Correspondence.

3. How we use information we collect

Internal Use: We collect, store and process your information on servers located in Sweden and elsewhere in the world. Our primary purpose of collecting personal information is to offer you a safe, smooth, efficient and customized experience. You agree that we use your personal information to:

– Process transactions and offer
– Verify your identity, including when you create your account and to reset your password
– resolve disputes, collect fees and troubleshoot problems
– manage risks, or detect, prevent and / or remedy fraud or other potentially illegal or prohibited activities
– detect, prevent or remedy violations of policies or current user agreements
– Provide customer support
– Improve by customizing the user experience
– Measure how works and improve content and layout
– manage and protect our IT infrastructure
– deliver targeted marketing and advertising, service updates, and promotional offers based on the communication settings you’ve defined for your account (see section “Our Contact Us with Users” below) and your activities when using
– carry out checks on creditworthiness and ability to pay, compare information for accuracy and verify it with third parties.

Surveys, surveys, and profile data: If you choose to respond to our optional surveys or surveys, we may use that information to improve, post marketing and advertising or otherwise explained in detail in the survey in question.

Our contact with users: We regularly communicate with our users by e-mail to perform requested services. We also communicate with our users over the phone to:

– resolve customer complaints or disputes with users via,
– respond to customer service request,
– inform users if we believe that their accounts or any of their transactions have been used for an illegal purpose,
– Confirm information about a user’s identity, company or account activity,
– carry out collections,
– conduct customer surveys and
– investigate suspicious transactions

We use your e-mail address or physical address to confirm that you have opened a account, send messages about payments that you make or receive through (including payments for recommendations described below), send information about important changes to our products and services, and to send notices and other information required by law. In general, users can not opt out of these messages, but they will primarily contain information and not advertising.

We also use your email address to send other types of messages that you can check, including newsletters, customer surveys, and notices about specific third-party campaigns. You can choose to receive some, all or none of these messages when you complete the registration process, or at a later date, by logging in to your account at and changing the settings.

We may contact you by sms as described above (and sms will be treated as email as regards managing your communications settings).

In connection with independent audits of our financial reports and our business, the auditors can try to contact a selection of our customers to confirm that our records are correct. However, the auditors can not use personally identifiable information for any secondary purposes.

4. Marketing

We can combine your information with information we collect from other companies and use it to improve and customize If you do not want to get promotional material from us or join our promotional programs, just log in to your account, select My account, Min profile and then My Account Settings and update your message settings, or follow the instructions provided with the message or advertisement.

5. How we share information with other users

Your card number, bank account number, and other payment information will not be disclosed to persons you have paid or who have paid you through services or third parties using services without your express consent or if we are required to do so. according to credit card rules, court decisions or other legal processes.

If you buy goods or services and pay through, we may provide the seller with the shipping address for the goods and your billing address so that the transaction can be completed.
If you use the mobile app, we may share the photo you have stored in the app with other users so they can identify you. You entitle us to use the photo for the above purpose on a non-exclusive, worldwide, royalty-free, transferable and sublicensible basis.

If you use to sign in to external websites or mobile apps, we may share your login status with a third party who offers this service as the login method. We may also share personal information or other account information that you have approved for sharing so that the third party knows who you are. does not provide third party access to your account, and we only make payments from your account to the third party upon your specific approval.

If you buy goods or services and pay through, we may provide the seller with the shipping address for the goods and your billing address so that the transaction can be completed.
If you use the mobile app, we may share the photo you have stored in the app with other users so they can identify you. You entitle us to use the photo for the above purpose on a non-exclusive, worldwide, royalty-free, transferable and sublicensible basis.

If you use to sign in to external websites or mobile apps, we may share your login status with a third party who offers this service as the login method. We may also share personal information or other account information that you have approved for sharing so that the third party knows who you are. does not provide third party access to your account, and we only make payments from your account to the third party upon your specific approval.

We work with third parties, including traders, to accept or facilitate payments from or to you through services. In this case, third parties may disclose information about you to us, such as your email address when making a payment to you or when you try to pay the merchant or third party. We use this information to confirm that you are customer and that can make payments, or to send a message that you have received a payment when making a payment to you. If you request that we validate your status as a customer for a third party, we will also do this. Please note that third parties you purchase from and have an agreement with may have their own privacy policy. is not responsible for their activities, including but not limited to their information methods.

If you create a account directly on a third party website or through a third party program, any information that you enter on the site or in the program (and not directly through services) will be shared with the owner of third party website or programs and your information may be subject to their privacy policy. By agreeing to this privacy policy, you explicitly consent to the fact that each time you pay or try to pay another customer (including a merchant) with your account, can transfer the above relevant information to such a customer who may be outside the European Economic Area (EEA), to process, perform or otherwise handle and provide information about the payment. You also agree and agree expressly to for further information about the transaction and other necessary information required for the use of mobile app to a merchant or other customers that you have explicitly selected using mobile app .

6. How we share information with third parties

Like most banks or payment service providers, collaborates with third party providers. These service providers provide important features that enable us to offer a simple, fast and secure way of paying. also collaborates with other business partners. Sometimes we have to provide us with user information so that the services can be performed. will not sell or rent any part of your personal information to third parties for promotional purposes without your express consent and will only disclose that information under the limited circumstances and for the purposes described in this Privacy Policy. This includes the transmission of data to non-EEA Member States.

In order to provide, some of the data we collect may need to be transferred to payment providers, payment processors, or account holders (or similar capabilities). You confirm that these entities may be subject to laws, regulations, inquiries, investigations or orders that may require disclosure to the relevant authorities of the country in question. By using, you consent to the disclosure of such information to provide

7. In particular, you agree to and instruct to do any or all of the following with your information

Provide the necessary information to: the police and other law enforcement agencies; security forces; competent state, intergovernmental or supranational bodies; Competent bodies, departments, regulatory authorities, self-regulatory authorities or organizations and other third parties that we are legally enforced and allowed to comply with, including without limitation that we are reason to believe, are appropriate for us to cooperate with investigations of fraud or other illegal activities or potentially illegal activity, or (iii) to investigate violations of our User Agreement (including your payment option or credit or debit card issuer).
If you are covered by the FATCA or CRS Act, we are obliged to notify you of any information about you that we may transfer to the authorities.

We and other organizations, including parties that accept, may also share, access and use (including from other countries) necessary information (including without limitation the information recorded by anti-fraud agencies) to help us and them assess and manage risks (including without limitation, to prevent fraud, money laundering and terrorist financing).

Issue account information to intellectual property owners if they, under applicable law in an EU country, have a claim against for the extravaganza disclosure of information due to a violation of their intellectual property rights for which services have been used ( eg without limitation, Section 19, Section 2, Subsection 3 of the German Trade Marks Act or Section 101, Section 2, Subsection 3 of the German Copyright Act).

Provide the necessary information in response to the requirements of payment card companies or in civil or criminal proceedings.

– If you, as a trader, use a third party to access or integrate with, we may provide necessary information to such a partner to facilitate and maintain such an agreement (including without limitation the status of your integration, regardless of whether you have an active account and if you are already working with another integration partner).
– Provide necessary information to payment processors, accountants, customer service providers, credit and fraud agencies, financial product suppliers, commercial partners, marketing and promotional agencies, service providers, group companies, organizations, marketplaces and other third parties listed here. The purpose of disclosing information is to provide to you.

– Provide information to your representative or legal representative (eg, a proxy or guardian).
– Provide aggregate statistical information to our business partners or for public relations purposes.
– Customer Support: In order to help customers, such as performing service for your accounts or resolving disputes (such as billing or transactions).
– Compliance with the law: in order to help them comply with anti-money laundering and terrorist financing requirements.

– Service Providers: In order to allow service providers to contract with our business, for example, to prevent fraud, to raise funds and provide marketing, customer service and technical services. Our agreements stipulate that these service providers may only use your information in connection with the services they perform for us and not for their own use.

Mergers or Acquisitions: As with any other company, may in future be merged with or acquired by another company. If such an acquisition occurs, you agree that the following company has access to the information held by, including the customer’s account information. The following company continues to be bound by this Privacy Policy, unless amended, and in that case, until it changes.

Third Party Sites: If you create a account directly from a third party site or through a third-party application, any information you provide on that site or in that application (and not directly on a website ) to be shared with the person who owns the website or program from third parties. These sites are governed in accordance with their own privacy policies and you should review their privacy policies before disclosing personal information. is not responsible for how such third parties use content or information.
Information transfer to other countries undertakes to protect your information appropriately regardless of where this data exists and to protect such data appropriately if transferred to a non-EEA site.

8. Your use of information and

In order to facilitate transactions between users, you have limited access to other users’ contact or delivery information through our service.
You agree to other personally identifiable information that you receive through or through a communication or a transaction facilitated by, that you may only use this information for a communication. which are not undesirable commercial communications; (b) subordinate documents relating to payments or transactions carried out through and other purposes agreed upon by the user after having received sufficient information about the purpose.
In all cases, you must allow users to delete their data from your database and review all the information you have collected about them. More generally, you must comply with all applicable privacy rules, especially when it comes to sending e-mail with marketing.

9. Information Security undertakes to handle your customer information with high standards of information security. We use computer protection such as firewalls and data encryption, we apply physical access control to our facilities and archives, and we only provide access privileges to personal data to employees who need it to perform their duties.

Your account’s security also depends on protecting your password. You may not disclose your password to anyone. representatives never ask you to reveal your password, so all e-mail and other communications that ask for the password should be false. If for any reason you disclose your third party password, including for the reason that the third party has promised to provide additional services such as the collection of accounts, the third party will have access to your account and your personal information , and you can be responsible for actions taken using your password. If you think someone else has access to your password, immediately change it by signing in to your account and changing profile settings.

10. Access and edit your data

You can review your personal information that you have notified us and change the settings or settings for your account at any time by logging in to your account on the website by contacting us by email. You can also terminate your account via the website. If you quit your account, we will mark your account as completed in our database, but we will keep your account information in the database. This is necessary to counter fraud, by ensuring that those trying to commit fraud will not be able to avoid detection just by closing their account and opening a new one. However, if you terminate your account, your personally identifiable information will not be used by us for any additional purposes, or sold or conveyed to third parties except when this is necessary to prevent fraud or assistance in judicial proceedings or otherwise required by law.

11. Responsibility

If you wish to use your right to access your information or if you have any questions about this privacy policy, information methods or your transactions with, you can contact us using this link.