CHOOSE THE RIGHT FULFILLMENT PARTNER THAT CAN MEET YOUR NEEDS
Our mission is simple. We have established the partnership with global network of the banks to provide you with the most agile and effective acquiring solution for your business.
ABOUT US
Legal & Payment Navigator makes every effort to cover all your business needs and to scale your success. That is exactly why we have decided to сombine our banking expertise with the wide range of associated legal services: company's formation, legal advice on company's maintenance, regulatory compliance. With Legal & Payment Navigator, you receive the unique services allowing you to increase your profits and to develop your business in fair, efficient and transparent way
Choosing us as your payment partner, our hand-picked team of professionals will assist you to get the convenient, progressive and effective payment processing solution with the benefits as:
Easy implementation in the shortest possible time
Security standards for fraud prevention
Supporting wide range of payment protocols
Transparent pricing schedule for acquiring
Extremely low transaction fees
MEET OUR TEAM
Payment Specialist
Customer Relations Manager
Head Of Legal
Arseniy Matusevych
Kierra Gentry
Josh Griffiths
Since the start in 2018 our main mission is to offer the best acquiring conditions for high-risk industries. We offer solutions and pricing so that you can focus on growing your business and reaching full potential.
Barbara Kissova
Compliance Manager
High standard of business ethics and high level of expertise allows you to achieve the best payment solution for your business with individual approach to every client and meticulous attention to every aspect of doing business
Kierra is a bridge between our company and our clients, she is an outstanding specialist who coordinates and organizes company's activities in order to gain our customers' satisfaction in every little thing.
With a vast educational and practical background, Josh is responsible for providing fully licensed services while analyzing and monitoring legislative developments in client's jurisdiction and area of operation.
In charge of development and preparation of legal documentation and acts. Barbara contributes implementation of acquiring services in accordance with the relevant requirements for your type of business and jurisdiction.
3b Wilson Street,
London, England,
N21 1BP
London, England,
N21 1BP
Phone
Email
Address
CONTACT US
Feel free to write and call us. We really love to communicate with our clients.
© 2020 Legal & Payment Navigator Limited. All rights reserved
Legales Mentions
Please read the Terms and Conditions provided on our website before you purchase a product. The Terms and Conditions will apply to all the services developed and provided by Legal & Payment Navigator Limited. When you click on Purchase a Service Now, you are expressing your agreement to these legal mentions (Mentions Legales).
This website is the property of the Legal & Payment Navigator Limited. Company number 12712464. Company address: 3b Wilson Street, London, England, N21 1BP.
For press queries, legal requests or complaints, please email us to contact@payment-navigator.com
This website is the property of the Legal & Payment Navigator Limited. Company number 12712464. Company address: 3b Wilson Street, London, England, N21 1BP.
For press queries, legal requests or complaints, please email us to contact@payment-navigator.com
Terms and Conditions
Last updated August 16th, 2020
Last updated August 16th, 2020
AGREEMENT TO TERMS
These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you", "client") and Legal & Payment Navigator Limited ("we," "us" or "our"), concerning your access to and use of the http://payment-navigator.com/ website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Website").
You agree that by accessing the Website, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Website and you must discontinue use immediately.
Supplemental terms and conditions or documents that may be posted on the Website from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason.
We will alert you about any changes by updating the "Last updated" date of these Terms and Conditions, and you waive any right to receive specific notice of each such change.
It is your responsibility to periodically review these Terms and Conditions to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the Website after the date such revised Terms and Conditions are posted.
The information provided on the Website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.
Accordingly, those persons who choose to access the Website from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Website. If you are a minor, you must have your parent or guardian read and agree to these Terms and Conditions prior to you using the Website.
SCOPE OF SERVICE
Legal & Payment Navigator Limited, ("Payment Navigator") a company incorporated in the United Kingdom (company number: 12712464) with its registered office address at 3b Wilson Street, London, England, N21 1BP acts as a reseller of financial and / or legal services provided by qualified and duly licensed third-party partners on a contractual basis therebetween.
Legal & Payment Navigator Limited provides the clients with highly competent intermediary services of offering of the acquiring solutions, alternative payment methods for the businesses, consultative advice on optimizing of payment infrastructure, legal advice etc. Legal & Payment Navigator Limited hereby states it does not itself provides the financial and legal services; its reselling activity shall not be subject to licensing by regulatory authorities.
PAYMENT TERMS
Prior to beginning any works, Payment Navigator and the Client need to sign the Client Agreement. To the extent that there is any conflict or inconsistency between these Terms and Conditions, the Client Agreement, and the Privacy Policy, the Client Agreement shall prevail, control, govern, and be binding upon Payment Navigator and you, but only to the extent of such conflict or inconsistency.
The contract shall include the list of works we will provide, key responsibilities of the parties, timing and other important articles. The Contract will also include the amount of payment Payment Navigator will receive for the provided services and the corresponding payment procedures.
INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Website is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United Kingdom, foreign jurisdictions, and international conventions.
The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Website and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
Provided that you are eligible to use the Website, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.
PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy. By using the Website, you agree to be bound by our Privacy Policy, which is incorporated into these Terms and Conditions. Please be advised the Website is hosted in the United Kingdom.
LINKS
Payment Navigator may contain links to other websites or resources located worldwide throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appears on such other web sites. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services or information located on or through any other web sites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.
SUBMISSIONS
You agree that no comments or materials sent to Payment Navigator, including feedback data such as completed questionnaires, forms, questions, comments, or suggestions submitted by you to this Website will violate any rights of any third party, including copyright, trademark, privacy, confidentiality, or other personal or proprietary rights. You are and shall remain solely responsible for the content of any comments and materials you submit.
THIRD PARTY SERVICE PROVIDERS
Payment Navigator may use third party service providers, vendors, and licensors to assist in providing you with the web-based account service for the Website (the "Service Providers"). You hereby agree that the terms and conditions herein, including any warranty and liability disclaimers, inure to the benefit of such Service Providers and that such Service Providers are deemed to be third party beneficiaries of these Terms and Conditions.
DISCLAIMER
THE WEBSITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND OUR SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE WEBSITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: 1) use of the Website; (2) breach of these Terms and Conditions; (3) any breach of your representations and warranties set forth in these Terms and Conditions; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Website with whom you connected via the Website.
SEVERABILITY
If any portion of these Terms and Conditions are held to be invalid or unenforceable by a court of competent jurisdiction, the invalid or unenforceable portion shall be modified in accordance with the applicable law as nearly as possible to reflect the original intention of the applicable provision, and the remainder of these Terms and Conditions shall remain in full force and effect.
ASSIGNMENT
You may not transfer any rights or obligations you may have to your account or under these Terms and Conditions without our prior written consent.
APPLICABLE LAW
These Terms and Conditions, and all matters arising out of or relating to the Website, shall be governed and enforced in accordance with the laws of the United Kingdom.
COMMUNICATION AND NORMAL BUSINESS HOURS
For legal requests, complaints or any queries, you may contact Payment Navigator at any time via e-mail at contact@payment-navigator.com or by phone +370 610 98 013, +44 20 3287 9587 at during our business hours from 9am to 6pm on weekdays (Mondays to Fridays), other than on public holidays.
These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you", "client") and Legal & Payment Navigator Limited ("we," "us" or "our"), concerning your access to and use of the http://payment-navigator.com/ website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Website").
You agree that by accessing the Website, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Website and you must discontinue use immediately.
Supplemental terms and conditions or documents that may be posted on the Website from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason.
We will alert you about any changes by updating the "Last updated" date of these Terms and Conditions, and you waive any right to receive specific notice of each such change.
It is your responsibility to periodically review these Terms and Conditions to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the Website after the date such revised Terms and Conditions are posted.
The information provided on the Website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.
Accordingly, those persons who choose to access the Website from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Website. If you are a minor, you must have your parent or guardian read and agree to these Terms and Conditions prior to you using the Website.
SCOPE OF SERVICE
Legal & Payment Navigator Limited, ("Payment Navigator") a company incorporated in the United Kingdom (company number: 12712464) with its registered office address at 3b Wilson Street, London, England, N21 1BP acts as a reseller of financial and / or legal services provided by qualified and duly licensed third-party partners on a contractual basis therebetween.
Legal & Payment Navigator Limited provides the clients with highly competent intermediary services of offering of the acquiring solutions, alternative payment methods for the businesses, consultative advice on optimizing of payment infrastructure, legal advice etc. Legal & Payment Navigator Limited hereby states it does not itself provides the financial and legal services; its reselling activity shall not be subject to licensing by regulatory authorities.
PAYMENT TERMS
Prior to beginning any works, Payment Navigator and the Client need to sign the Client Agreement. To the extent that there is any conflict or inconsistency between these Terms and Conditions, the Client Agreement, and the Privacy Policy, the Client Agreement shall prevail, control, govern, and be binding upon Payment Navigator and you, but only to the extent of such conflict or inconsistency.
The contract shall include the list of works we will provide, key responsibilities of the parties, timing and other important articles. The Contract will also include the amount of payment Payment Navigator will receive for the provided services and the corresponding payment procedures.
INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Website is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United Kingdom, foreign jurisdictions, and international conventions.
The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Website and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
Provided that you are eligible to use the Website, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.
PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy. By using the Website, you agree to be bound by our Privacy Policy, which is incorporated into these Terms and Conditions. Please be advised the Website is hosted in the United Kingdom.
LINKS
Payment Navigator may contain links to other websites or resources located worldwide throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appears on such other web sites. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services or information located on or through any other web sites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.
SUBMISSIONS
You agree that no comments or materials sent to Payment Navigator, including feedback data such as completed questionnaires, forms, questions, comments, or suggestions submitted by you to this Website will violate any rights of any third party, including copyright, trademark, privacy, confidentiality, or other personal or proprietary rights. You are and shall remain solely responsible for the content of any comments and materials you submit.
THIRD PARTY SERVICE PROVIDERS
Payment Navigator may use third party service providers, vendors, and licensors to assist in providing you with the web-based account service for the Website (the "Service Providers"). You hereby agree that the terms and conditions herein, including any warranty and liability disclaimers, inure to the benefit of such Service Providers and that such Service Providers are deemed to be third party beneficiaries of these Terms and Conditions.
DISCLAIMER
THE WEBSITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND OUR SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE WEBSITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: 1) use of the Website; (2) breach of these Terms and Conditions; (3) any breach of your representations and warranties set forth in these Terms and Conditions; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Website with whom you connected via the Website.
SEVERABILITY
If any portion of these Terms and Conditions are held to be invalid or unenforceable by a court of competent jurisdiction, the invalid or unenforceable portion shall be modified in accordance with the applicable law as nearly as possible to reflect the original intention of the applicable provision, and the remainder of these Terms and Conditions shall remain in full force and effect.
ASSIGNMENT
You may not transfer any rights or obligations you may have to your account or under these Terms and Conditions without our prior written consent.
APPLICABLE LAW
These Terms and Conditions, and all matters arising out of or relating to the Website, shall be governed and enforced in accordance with the laws of the United Kingdom.
COMMUNICATION AND NORMAL BUSINESS HOURS
For legal requests, complaints or any queries, you may contact Payment Navigator at any time via e-mail at contact@payment-navigator.com or by phone +370 610 98 013, +44 20 3287 9587 at during our business hours from 9am to 6pm on weekdays (Mondays to Fridays), other than on public holidays.
Privacy Policy
Last updated August 16th, 2020
Last updated August 16th, 2020
This document is our Privacy Policy and it tells you how we collect, use, hold and disclose your personal information (including finance information) and keep it safe. We are committed to respecting your rights to privacy under EU General Data Protection Regulation (GDPR), and we comply with the GDPR's requirements in respect of the collection, management and disclosure of your personal information. This document describes how we keep this commitment. Our employees are trained to respect your privacy in accordance with our standards, policies and procedures.
What is your personal information? When used in this Privacy Policy, "personal information" includes any information or opinion, about an identified individual or an individual who can be easily identified from their information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have recorded it in material form or not. In general terms, it is any information that can be used to personally identify you. The information we seek to collect about you will depend on the products or services we provide. If you do not allow us to collect all the information we request, we may not be able to provide you with all of those products and services effectively.
WHAT INFORMATION DO WE COLLECT?
Depending on the nature of the service(s) we provide you, the information we collect may include the following:
Name;
Street address and/or mailing address;
Email address;
Telephone number;
Age or birth date;
Profession, occupation or job title;
Your bank account details;
Your identification documents;
Your Tax Number or other government identifier;
Details of the services you have obtained from us or which you have enquired about, together with any additional information necessary to deliver those products and services and respond to your enquiries;
Any additional information relating to you and your products or services that you provide to us directly through our websites or indirectly through our websites and online presence, through our employees or otherwise; and
Any information you provide to us by responding to our surveys or by any other means from time to time.
HOW DO WE COLLECT THE INFORMATION?
We collect your personal information directly from you unless it is unreasonable or impracticable for us to do so. The collection of most personal information will be made with your consent which will usually be obtained at or around the time you take out a service from us.
When collecting personal information from you, we may collect in ways including:
Through your access and use of our website;
During conversations between you and our representatives;
When you apply for a role with us; or •
When you complete an application for one of our products or services or otherwise consent to the collection.
HOW DO WE USE PERSONAL INFORMATION?
We collect, use and disclose your personal information for the following purposes:
offering and providing products and services to meet your needs;
establishing and maintaining communications with you;
verifying personal information you provide in your application;
assessing and underwriting risks on a prudent basis;
performing safety assessments;
investigating and settling claims;
detecting and preventing fraud or other illegal activities;
analyzing business results and compiling statistics;
conducting market research;
acting as required or authorized by law.
These are our "Identified Purposes".
We only collect, use and disclose your personal information for our Identified Purposes. When we collect your personal information, we are doing so not just for any one of the Identified Purposes, but for all of the Identified Purposes. For example, personal information we initially use for the purpose of underwriting your policy may subsequently be used for the purpose of investigating and settling your claim. Similarly, personal information we initially use for the purpose of investigating and settling your claim may subsequently be used for the purpose of underwriting your policy renewal.
Should we wish to collect, use or disclose your personal information for a new purpose, we will explain the new purpose to you and obtain your consent before the information is collected, used or shared. We will only collect your personal information by fair and lawful means, and will not collect, use, disclose or retain your personal information without a valid reason for doing so.
We may disclose your personal information to:
our employees, related entities, contractors or service providers for the purposes of the operation of our website or our business, fulfilling requests for products or services by you including, without limitation, web housing providers, IT systems administrators, posting services, payment processors, electronic network administrators, your and our professional advisors such as accountants, solicitors, business advisors and consultants;
auppliers and other third parties with whom we have commercial relationships for business, marketing and related purposes (You may tell us not to send you marketing material); and any organisation for any authorised purpose with your express consent.
We usually obtain your consent to our collection, use and disclosure of your personal information when you complete an application for a service provided by us. In some cases, however, we may separately ask you to consent to our collection, use or disclosure of your personal information. In these cases, we usually require you to provide your consent in writing; some times we may accept your verbal consent.
We may disclose your personal information as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful acts.
Your rights in relation to personal data:
We highly respect your rights to access and control your personal data. Being data subjects, your rights include:
access to personal information - we will provide you with the data we have on you.
correction and deletion - you may also request that we amend or erase certain data about you
withdrawal of consent - we want to emphasize that you have the right to withdraw any consent that you've previously given with regard to the collection or processing of your personal data.
data portability - you may ask us to provide your personal data for export.
restriction of processing and objection - you can object to how we use your data
lodging a complaint with the Information Commissioner's Office
USE OF COOKIES
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.
SECURITY
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, including:
protecting data against accidental loss, preventing unauthorised access, use, destruction or disclosure, ensuring business continuity and disaster recovery, restricting access to personal information, training staff and contractors on data security, managing third party risks, through use of contracts and security reviews, we cannot guarantee its absolute security.
CHANGES TO THIS PRIVACY POLICY
This Privacy Policy is effective as of (add date) and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
HOW TO CONTACT US?
If you have any questions or queries about this Privacy Policy, please contact us at any time via e-mail at contact@payment-navigator.com or by phone +370 610 98 013, +44 20 3287 9587 at during our business hours from 9am to 6pm on weekdays (Mondays to Fridays), other than on public holidays.
What is your personal information? When used in this Privacy Policy, "personal information" includes any information or opinion, about an identified individual or an individual who can be easily identified from their information. The information or opinion will still be personal information whether it is true or not and regardless of whether we have recorded it in material form or not. In general terms, it is any information that can be used to personally identify you. The information we seek to collect about you will depend on the products or services we provide. If you do not allow us to collect all the information we request, we may not be able to provide you with all of those products and services effectively.
WHAT INFORMATION DO WE COLLECT?
Depending on the nature of the service(s) we provide you, the information we collect may include the following:
Name;
Street address and/or mailing address;
Email address;
Telephone number;
Age or birth date;
Profession, occupation or job title;
Your bank account details;
Your identification documents;
Your Tax Number or other government identifier;
Details of the services you have obtained from us or which you have enquired about, together with any additional information necessary to deliver those products and services and respond to your enquiries;
Any additional information relating to you and your products or services that you provide to us directly through our websites or indirectly through our websites and online presence, through our employees or otherwise; and
Any information you provide to us by responding to our surveys or by any other means from time to time.
HOW DO WE COLLECT THE INFORMATION?
We collect your personal information directly from you unless it is unreasonable or impracticable for us to do so. The collection of most personal information will be made with your consent which will usually be obtained at or around the time you take out a service from us.
When collecting personal information from you, we may collect in ways including:
Through your access and use of our website;
During conversations between you and our representatives;
When you apply for a role with us; or •
When you complete an application for one of our products or services or otherwise consent to the collection.
HOW DO WE USE PERSONAL INFORMATION?
We collect, use and disclose your personal information for the following purposes:
offering and providing products and services to meet your needs;
establishing and maintaining communications with you;
verifying personal information you provide in your application;
assessing and underwriting risks on a prudent basis;
performing safety assessments;
investigating and settling claims;
detecting and preventing fraud or other illegal activities;
analyzing business results and compiling statistics;
conducting market research;
acting as required or authorized by law.
These are our "Identified Purposes".
We only collect, use and disclose your personal information for our Identified Purposes. When we collect your personal information, we are doing so not just for any one of the Identified Purposes, but for all of the Identified Purposes. For example, personal information we initially use for the purpose of underwriting your policy may subsequently be used for the purpose of investigating and settling your claim. Similarly, personal information we initially use for the purpose of investigating and settling your claim may subsequently be used for the purpose of underwriting your policy renewal.
Should we wish to collect, use or disclose your personal information for a new purpose, we will explain the new purpose to you and obtain your consent before the information is collected, used or shared. We will only collect your personal information by fair and lawful means, and will not collect, use, disclose or retain your personal information without a valid reason for doing so.
We may disclose your personal information to:
our employees, related entities, contractors or service providers for the purposes of the operation of our website or our business, fulfilling requests for products or services by you including, without limitation, web housing providers, IT systems administrators, posting services, payment processors, electronic network administrators, your and our professional advisors such as accountants, solicitors, business advisors and consultants;
auppliers and other third parties with whom we have commercial relationships for business, marketing and related purposes (You may tell us not to send you marketing material); and any organisation for any authorised purpose with your express consent.
We usually obtain your consent to our collection, use and disclosure of your personal information when you complete an application for a service provided by us. In some cases, however, we may separately ask you to consent to our collection, use or disclosure of your personal information. In these cases, we usually require you to provide your consent in writing; some times we may accept your verbal consent.
We may disclose your personal information as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful acts.
Your rights in relation to personal data:
We highly respect your rights to access and control your personal data. Being data subjects, your rights include:
access to personal information - we will provide you with the data we have on you.
correction and deletion - you may also request that we amend or erase certain data about you
withdrawal of consent - we want to emphasize that you have the right to withdraw any consent that you've previously given with regard to the collection or processing of your personal data.
data portability - you may ask us to provide your personal data for export.
restriction of processing and objection - you can object to how we use your data
lodging a complaint with the Information Commissioner's Office
USE OF COOKIES
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.
SECURITY
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, including:
protecting data against accidental loss, preventing unauthorised access, use, destruction or disclosure, ensuring business continuity and disaster recovery, restricting access to personal information, training staff and contractors on data security, managing third party risks, through use of contracts and security reviews, we cannot guarantee its absolute security.
CHANGES TO THIS PRIVACY POLICY
This Privacy Policy is effective as of (add date) and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
HOW TO CONTACT US?
If you have any questions or queries about this Privacy Policy, please contact us at any time via e-mail at contact@payment-navigator.com or by phone +370 610 98 013, +44 20 3287 9587 at during our business hours from 9am to 6pm on weekdays (Mondays to Fridays), other than on public holidays.