Privacy & Cookie Policy

1. Introduction

Etellect Ltd ("we", "us", "our") operates E-Payment services. This Privacy and Cookie Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you provide directly to us, including:

• Name and contact details (email address, phone number)
• Company information
• Payment and transaction information
• Account credentials
• Communication preferences

2.2 Automatically Collected Information

When you access our website, we automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent
• Referring website addresses
• Click-stream data

3. How We Use Your Information

We use the collected information for:

• Providing and maintaining our payment services
• Processing transactions and managing accounts
• Improving our website and services
• Communicating with you about services, updates, and offers
• Fraud detection and prevention
• Complying with legal obligations
• Analyzing usage patterns and trends

4. Cookie Policy

4.1 What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide you with a better experience and allow certain features to function properly.

4.2 Types of Cookies We Use

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure data storage with encryption at rest
• Regular security audits and penetration testing
• Access controls and authentication
• ISO 9001:2015 and ISO/IEC 27001 certified processes

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Transaction data is retained for 7 years in compliance with UK financial regulations.

7. Your Rights (GDPR)

Under UK GDPR, you have the following rights:

• Right to access: Request copies of your personal data
• Right to rectification: Request correction of inaccurate data
• Right to erasure: Request deletion of your data
• Right to restrict processing: Request limitation of data processing
• Right to data portability: Receive your data in a structured format
• Right to object: Object to processing of your data
• Right to withdraw consent: Withdraw consent at any time

To exercise these rights, contact us at: hello@epaymentservices.com

8. Third-Party Services

We may use third-party services that collect, monitor, and analyze data:

• Google Analytics: Website traffic analysis
• Google reCAPTCHA Enterprise: Bot and spam protection
• Payment processors: Transaction processing partners
• Cloud hosting providers: Data storage and hosting

These third parties have their own privacy policies governing their use of your information.

9. International Data Transfers

Your information may be transferred to and processed in countries outside the UK/EEA. We ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs) and adequacy decisions.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy and Cookie Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Information

For questions about this Privacy and Cookie Policy or to exercise your rights:

13. Cookie Management

You can manage your cookie preferences at any time by clicking the "Cookie Settings" link in the footer or using the button below: