Introduction

SikiraPay Privacy Policy

What is personal data?

In legal jargon, ‘personal data’ is any information relating to an identified or identifiable natural person, the ‘data subject’ and the laws regulating personal data in the European Union is the general data protection regulation, the GDPR. According to the GDPR, any information that can be used to identify a person or be linked to that person is personal data. Examples of personal data are name, identification number, contact information, online identifiers such as IP address, or factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of a person.

In the following sections, we will outline the types of information we collect during your visit to our website and how we utilize that information.

Collection and Storage of Personal Information

1. a) Data Collection When Visiting the Website or App

Whenever you access our website or app, your browser automatically sends information to our servers, which is temporarily stored in a log file. The following data is recorded without your intervention and retained until it is automatically deleted:

• Pseudonymized IP Address: The IP address of the requesting device, along with the device ID, individual device identifier, and device type.
• File and Data Information: The name of the retrieved file, the amount of data transferred, along with the date and time of retrieval.
• Retrieval Notification: Confirmation of successful retrieval of the requested information.
• Requesting Domain: The domain from which the request originated.
• Browser Information: A description of the Internet browser used, the operating system of your device, and the name of your access provider.
• Browser History and Weblog Information: Standard weblog information and your browser history data.
• Location Data: This includes location data from your mobile device. You can control or disable the use of location services in your mobile device settings.

We collect this data based on our legitimate interest in accordance with Article 6, Paragraph 1, Sentence 1 lit. f of the GDPR for the following purposes:

• To ensure smooth connections and a comfortable user experience on the website.
• To evaluate system security and stability.
• For other administrative purposes.

We do not use the collected data to make personal inferences about you. The aforementioned data will be deleted automatically after you leave the website.

1. b) Data Collection When Using Our Contact Form

If you have any questions, we encourage you to reach out to us using the contact form available on our website. At a minimum, you are required to provide your name and a valid email address, so we can identify the sender and respond to your inquiry. You may also provide additional information voluntarily.

Data processing for inquiries submitted via the contact form occurs in accordance with Article 6, Paragraph 1, Sentence 1 lit. a of the GDPR, based on your explicit consent.

The personal data collected through the contact form will be automatically deleted after we have processed your request.

1. c) Data Collection During Registration with SikiraPay

In the context of providing payment services and customer support related to such services by Sikirapay, it is hereby acknowledged that Sikirapay acts as the Data Controller for the personal data collected and processed on its behalf.

When you register as a customer with SikiraPay, you will need to provide the following personal information:

• Personal Identification Data: Such as your name, email address, physical address, and telephone number.

For Investment and Marketing partners we collect additional information, including:

• First Name
• Last Name
• Date of Birth
• Email Address
• Phone Number
• Country
• City
• Postal Code
• Address
• Company Name
• Contact Person’s First and Last Name
• Company Postal Code
• Company Identification Number (UIN)
• Corporate Tax Number
• SWIFT/BIC Code
• Corporate Bank Name
• Card Details

Data processing for registration occurs in accordance with Article 6, Paragraph 1, Sentence 1 lit. a of the GDPR, based on your voluntary consent.

Your data will be deleted when you log out of your user account, unless we are required to retain it for a longer period under Article 6, Paragraph 1, Sentence 1 lit. f of the GDPR, or if you consent to longer storage in accordance with Article 6, Paragraph 1, Sentence 1 lit. a of the GDPR.

1. d) Data Collection Upon Conclusion of a Contractual Relationship

For processing activities which are not related to Intergiro services it is hereby acknowledged that SikiraPay acts as the  Data Controller for the personal data collected and processed on its behalf.

The storage period for your data is limited to what is necessary for the purpose of the contract and any relevant statutory or contractual retention requirements. After the completion of the contract, your personal data will be blocked from further use. It will be retained until the end of the statutory retention period and then deleted, unless we are obligated to retain it longer under Article 6, Paragraph 1, Sentence 1 lit. c of the GDPR (applicable to the Commercial Code (HGB), Criminal Code (StGB), or Tax Code (AO)), or if you have consented to further storage in accordance with Article 6, Paragraph 1, Sentence 1 lit. a of the GDPR.

2. Disclosure of Personal Information

Your information will not be shared with third parties for purposes other than those outlined below. We may disclose your information to third parties only under the following circumstances:

• With Your Consent: If you have provided explicit consent for us to share your information (Article 6, Paragraph 1, Sentence 1 lit. a GDPR).
• For Contractual Processing: If the disclosure is necessary for the processing of contractual relationships with you (Article 6, Paragraph 1, Sentence 1 lit. b GDPR).
• Legal Obligations: If we are legally required to disclose the information (Article 6, Paragraph 1, Sentence 1 lit. c GDPR).
• Legal Claims: If it is necessary to assert, exercise, or defend legal claims, and there is no reason to believe that you have an overriding legitimate interest in the non-disclosure of your data (Article 6, Paragraph 1, Sentence 1 lit. f GDPR).

In all such cases, the scope of the information transmitted will be limited to the necessary minimum.

Our data protection policies comply with applicable regulations, and your data will be processed within Sweden. However, we may also collaborate with third parties who might process data outside the EU. A list of all third parties we work with can be found in our privacy policy.

3. Data Subject Rights

We value your privacy and are committed to upholding your rights regarding your personal data. Upon your request, we will inform you whether we hold any personal data about you (Art. 15 GDPR), including details about the processing purposes, categories of personal data, recipients to whom your data has been disclosed, planned storage duration, and rights related to rectification, erasure, restriction of processing, or objection. You will also be informed of your right to appeal, the origin of your data if it was not collected directly from you, and the existence of automated decision-making, including profiling.

You have the right to correct any inaccurately collected personal data or to complete any incomplete data (Art. 16 GDPR). Additionally, you may request that we restrict the processing of your data if the legal criteria are met (Art. 18 GDPR).

You are entitled to receive your personal data in a structured, commonly used, and machine-readable format, or to request its transfer to another entity (Art. 20 GDPR). Furthermore, you hold the “right to be forgotten,” which allows you to request the deletion of your personal data when legal requirements are met (Art. 17 GDPR). Your data will also be automatically deleted when the purpose of its collection no longer applies or if the processing was unlawful.

According to Article 7(3) GDPR, you may revoke any consent you previously provided at any time, which will end our processing of your data based on that consent going forward.

You also have the right to object to the processing of your personal data whenever such a right is established by law. If you successfully revoke consent, your personal data will be automatically deleted (Art. 21 GDPR).

To exercise your right of revocation or objection, please email us at: info@sikirapay.eu.

6. Data Security

We strive to implement all necessary technical and organizational security measures to protect your personal data from unauthorized access by third parties or the public. Please note that the confidentiality of information transmitted via email cannot be fully guaranteed. Therefore, we recommend sending confidential information through traditional mail.

7. Customer Support

For assistance, please contact our customer support team at support@sikirapay.eu. We are available Monday through Friday from 9:00 AM to 5:00 PM and communicate in English.

8.Omissions Disclaimer

SikiraPay is not responsible for any content, code, or other inaccuracies. SikiraPay does not provide warranties or guarantees.

In no event shall SikiraPay be liable for any special, direct, indirect, consequential, or incidental damages, or any damages whatsoever, whether arising in an action of contract, negligence, or otherwise, in connection with the use of the Service or its contents.

SikiraPay reserves the right to make additions, deletions, or modifications to the contents of the Service at any time without prior notice.

9.General Disclaimer

The SikiraPay Service and its content are provided “as is” and “as available,” without any warranties or representations of any kind, whether express or implied. As a distributor, SikiraPay does not act as a publisher for content supplied by third parties and therefore exercises no editorial control over such content. SikiraPay makes no warranty or representation regarding the accuracy, reliability, or current status of any information, content, services, or merchandise available through or accessible via the SikiraPay Service.

Specifically, SikiraPay disclaims all warranties and representations in relation to content transmitted in connection with the SikiraPay Service, including content found on linked websites, as well as in products associated with the service. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement of third-party rights. No oral or written advice provided by SikiraPay or its affiliates, employees, officers, directors, agents, and others shall create a warranty.

Please note that price and availability information is subject to change without notice. Furthermore, SikiraPay does not guarantee that the SikiraPay Service will be uninterrupted, uncorrupted, timely, or free from errors.

Cookie Policy

Definitions and key terms

To help explain things as clearly as possible in this Cookie Policy, every time any of these terms are referenced, are strictly defined as:

• Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information.
  •    Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to SikiraPay, that is responsible for your information under this Cookie Policy.
  •    Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit SikiraPay and use the services.
  •    Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
  •    Service: refers to the service provided by SikiraPay as described in the relative terms (if available) and on this platform.
  •    Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
  •    Website: “sikirapay.eu” site, which can be accessed via this URL: https://www.sikirapay.eu/
  •    You: a person or entity that is registered with SikiraPay to use the Services.

This Cookie Policy outlines how SikiraPay and its affiliates (collectively referred to as “SikiraPay,” “we,” “us,” and “ours”) use cookies and similar technologies to recognize you when you visit our website or app, including but not limited to https://www.sikirapay.eu/ and any related URLs, mobile or localized versions, and related domains and sub-domains (“Websites”). It details the types of technologies we use, the reasons behind their use, and your options for controlling them.

What is a cookie?

A cookie is a small text file stored on your computer or other internet-connected device that helps identify your browser and provides analytics. It remembers information about you, such as your language preference or login details. Cookies are completely safe and cannot be used to run programs or deliver viruses to your device.

Why do we use cookies?

We use first-party and/or third-party cookies on our website and app for various purposes, including:

• To facilitate the operation and functionality of our website and app.
• To improve your experience and make navigation quicker and easier.
• To create a personalized user experience and understand your interests.
• To analyze how our website and app are used and determine how we can customize them effectively.
• To identify future prospects and personalize marketing and sales interactions.
• To tailor online advertising to your interests.

What type of cookies does SikiraPay use?

SikiraPay utilizes both session and persistent cookies.

• Session cookies expire automatically when you close your browser. 
• Persistent cookies remain on your device until they expire or are deleted, with expiration dates set within the cookies themselves—ranging from as short as a few minutes to several years.

Cookies that are placed by the website you are visiting are referred to as “first-party cookies.”

Strictly Necessary Cookies are essential for our website and app to function properly. These cookies cannot be disabled in our systems, as they are vital for enabling navigation and the use of features. If you remove or disable these cookies, we cannot guarantee the full functionality of our website or app.

Essential Cookies

We use essential cookies to ensure the proper functioning of our website and app. These cookies are strictly necessary for core functionalities, including security, network management, your cookie preferences, and accessibility. Without them, you would be unable to access basic services. While you can disable these cookies by adjusting your browser settings, please note that doing so may impact the performance and functionality of the website.

Performance and Functionality Cookies

These cookies are used to enhance the performance and functionality of our website or app, though they are not essential for its use. Without these cookies, certain features—such as videos—may become unavailable, and you may need to re-enter your login details each time you visit, as we would be unable to remember your previous login session.

Marketing Cookies

These account-based marketing cookies allow us to identify potential future prospects and tailor our sales and marketing interactions accordingly.

Analytics and Customization Cookies

These cookies gather information that helps us understand how our website or app is being used, the effectiveness of our marketing campaigns, and allows us to customize your experience.

We utilize cookies from Google Analytics to collect limited data directly from users’ browsers, enabling us to better comprehend your interaction with our website or app. For more details on how Google collects and uses this data, please visit: https://www.google.com/policies/privacy/partners/.

If you wish to opt-out of all Google-supported analytics on our website, you can do so by visiting: https://tools.google.com/dlpage/gaoptout.

Social Media Cookies

These cookies are utilized when you share information through a social media sharing button or “like” button on our site, or when you link your account and engage with our content on platforms such as Facebook, Twitter, or Google+. The respective social network will log your actions.

Additionally, these cookies may include specific code that helps track conversions from advertisements, optimize ads based on collected data, build targeted audiences for future ads, and remarket to users who have previously engaged with the platform.

Third Party Cookies

Some cookies on our website or app are not set by SikiraPay on a first-party basis. Our site may include content from third parties for advertising purposes. These third-party service providers may place their own cookies in your web browser.

These providers manage various performance, functionality, advertising, marketing, and analytics cookies as previously described. Please note that we do not control the use of these third-party cookies, as they can only be accessed by the third party that originally set them.

How you can manage cookies?

Most browsers enable you to manage cookies through their ‘settings’ preferences. However, limiting the ability of websites to set cookies may negatively impact your overall user experience by reducing personalization. You may also lose the ability to save customized settings, such as login information.

For assistance with cookie management, please refer to the help pages provided by your browser’s manufacturer. Additional information is available below.

• Google Chrome
  •    Internet Edgr
  •    Mozilla Firefox
  •    Safari (Desktop)
  •    Safari (Mobile)
  •    Android Browser
  •    Opera
  •    Opera Mobile

Blocking and disabling cookies and similar technologies

Regardless of your location, you can adjust your browser settings to block cookies and similar technologies. However, please note that doing so may block essential cookies and hinder the proper functioning of our website, limiting your ability to fully access its features and services. Additionally, blocking cookies may result in the loss of saved information, such as login details and site preferences.

Each browser offers different controls, and disabling a specific cookie or cookie category does not automatically delete it; you must manually remove cookies from within your browser. For more detailed instructions, please refer to your browser’s help menu.

Changes To Our Cookie Policy

We may update our Service and policies, which may require changes to this Cookie Policy to ensure it accurately reflects our practices. Unless otherwise required by law, we will notify you of any changes (for example, through our Service) and provide an opportunity for you to review them before they take effect. If you continue to use the Service, you agree to the updated Cookie Policy. If you do not wish to accept the updated terms, you may choose to delete your account.

Your Consent

By using our website or app, registering an account, or making a purchase, you consent to our Cookie Policy and accept its terms. 

Contact Us

Feel free to reach out if you have any questions about our Cookie Policy.

• Via Email:  info@sikirapay.eu
  •    Via Live chat: https://www.sikirapay.eu
  •    Via this Link:  https://www.sikirapay.eu/contact
  •    Via Post Address: Sibyllegatan 13, 11442 Stockholm, Sweden