By registering on PAYCAP.io (hereinafter referred to as the “Operator”) websites and/or any of PAYCAP mobile applications and/or taking any specific action, which implies registering and submitting personal data, physical entities/subscribers (hereinafter referred to as “Subscriber”) give their consent to processing of personal data under the terms of this privacy policy (hereinafter referred to as the “Policy”).

Operator may change this Policy from time to time.

The Subscriber shall review this Policy periodically. 

A) In terms and purposes defined by this Policy, the Operator collects personal data of physical entities which allow or may allow to identify directly or indirectly the personality thereof, including:

  • name, surname;
  • email; 
  • date of birth;
  • contact information (phone number etc.).

B) Operator may process (including: collection/fixation/input or systematization/organization or preserving, use, change/correction, recovery, transfer, blocking or destruction or other actions) the personal data to:

  • Provide its services to Subscribers;
  • Provide with information, including: events, press releases, tips and helpful information and marketing communications about its products and services.
  • Contact and interact with the Subscribers, including: to respond to their requests provide important notices and updates, such as changes to its terms and policies and security alerts etc.

Operate business, including to:

  • respond to Subscribers reports of a possible side effect associated with one of products and/or services and to monitor the safety of our services;
  • comply with applicable laws, regulations and guidance;
  • comply with demands or requests made by regulators, government, courts and law enforcement authorities; and
  • investigate and take action against illegal or harmful behavior.
    • Improve day-to-day operations, including:
  • for as long as needed to provide Subscribers with possibility to use the services they have requested;
  • where subscriber has contacted the Operator with a question or request, for as long as necessary to allow the Operator to respond Subscriber’s question or request;
  • During the period of retention of the documents (archiving period) which contain personal data of Subscriber;
  • For any other period specified by the governmental legislation in force.
  • ask  for access to the personal data Operator holds about him/her;
  • request the correction and/or deletion of his/her personal data;
  • request the restriction of the processing of his/her personal data, or object to that processing;
  • withdraw the consent to the processing of his/her personal data (where the Operator is processing Subscriber’s personal data based on his/her consent);
  • complain to local data protection authority if his/her privacy rights are violated, or if he/she have suffered as a result of unlawful processing of personal data.
  • for internal purposes such as auditing, data analysis and research to help deliver and improve the services;
  • to monitor and analyze trends, usage and activities in connection with the products/ services;
  • to improve the products/services and communications to Subscribers; and
  • to ensure the availability of up-to-date contact information for Subscribers.

At times, Operator may need to get the Subscriber’s consent to allow the Operator to use his/her personal data for specific purposes.

C) Terms of processing of personal data

Operator will always process the aforementioned personal data in full accordance with the requirements set forth by the applicable legislation.

Operator preserves personal data:

  • for as long as needed to provide Subscribers with possibility to use the services they have requested;
  • where subscriber has contacted the Operator with a question or request, for as long as necessary to allow the Operator to respond Subscriber’s question or request;
  • During the period of retention of the documents (archiving period) which contain personal data of Subscriber;
  • For any other period specified by the RA legislation in force.

D) Transfer of personal data

The personal data of Subscribers may be transferred by Operator to third parties (including outside Armenia) and proceed by them according to the procedures and in cases defined by the legislation in force.

E) Personal data protection and Security

Operator uses a variety of security measures and technologies, in accordance with the international standards to protect the personal data of Subscribers from unauthorized access, use, disclosure, alteration or destruction in line with applicable data protection and privacy laws.

When Subscriber submits sensitive information via website and/or any of PAYCAP mobile applications, it is protected both online and offline.

Operator is not responsible for unauthorized access to the Subscriber’s account and personal data that may result from viruses or other threats on the Subscriber’s devices.

The transmission of information via the internet or a mobile phone network connection may not be completely secure and any transmission is at Subscriber’s own risk.

F) Subscriber’s rights regarding personal data

In terms and purposes of this Policy, the Subscriber may be entitled to:

  • ask  for access to the personal data Operator holds about him/her;
  • request the correction and/or deletion of his/her personal data;
  • request the restriction of the processing of his/her personal data, or object to that processing;
  • withdraw the consent to the processing of his/her personal data (where the Operator is processing Subscriber’s personal data based on his/her consent);
  • complain to local data protection authority if his/her privacy rights are violated, or if he/she have suffered as a result of unlawful processing of personal data.

G) The withdrawal of the Subscriber’s consent

Where the Subscriber is given the option to share its personal data with Operator, he/she can always choose not to do so. 

If the Subscriber objects to the processing of personal data, or if he/she has provided his/her consent to processing and later choose to withdraw or ask Operator to delete it, Operator will respect that choice and act accordingly. This could mean that Operator may not be able to perform the actions necessary to achieve the purposes as set out above or that Subscribers are unable to make use of the services provided by Operator.

H) Cookies

Operator uses cookies to improve the experience for visitors to its websites, including websites that can be accessed through its mobile applications.   

If the Subscribers do not want to receive cookies while browsing the websites/mobile applications, they can modify their browser and/or mobile device settings so that to restrict or block cookies.

Cookies are tiny files, composed of a string of letters and numbers, placed on the Subscriber’s devise by web page servers. They enable the website or mobile application owner to distinguish the Subscriber from other users of the website. Cookies cannot be executed as code or used to deliver viruses and they cannot enable Operator to access the Subscriber’s hard drive. Operator cannot read any information on the Subscriber’s hard drive even if Operator stores cookies there.  

The data generated through cookies on Operator’s websites or mobile applications can be used for various purposes including the following:

Strictly necessary

These cookies are essential in order to enable the Subscriber to move around the website or mobile application and use its features, such as accessing secure areas of the website or mobile application and saving items to a shopping basket.

Performance

These cookies collect information about how visitors use a website or mobile application, for instance which pages visitors go to most often and if they receive error messages. They are used to improve how a website or mobile application works in future versions.

Functionality

These cookies allow the website or mobile application to remember choices the Subscriber makes such as user name, language or region Subscribers are in and provide a more enhanced personal experience.   

Targeting or advertising

These cookies are used to deliver content more relevant to the Subscribers and their interests.

Operator does not permit any third parties to advertise on its website or mobile application, but the Operator cannot control advertisers that are allowed by internet service providers to advertise whilst the Subscribers are browsing on the internet. The Operator’s websites or application may not function correctly if Subscribers disable cookies.