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Terms | Privacy

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Terms of Service

Effective Date: March 1, 2021

PLEASE REVIEW THESE TERMS OF SERVICE CAREFULLY AS THEY AFFECT YOUR LEGAL RIGHTS AND CONTAIN A MANDATORY ARBITRATION PROVISION AND A WAIVER OF CLASS ACTION REMEDIES.

These Terms of Service (these “Terms”) form a binding legal agreement between Swift Prepaid Solutions, Inc. dba Onbe (“Onbe”, “we”, “us”, or “our”) and you regarding the use of this online platform and/or portal offered by Onbe and the services available therein (collectively, the “Platform”).

Please review these Terms carefully. By registering an account or otherwise using the Platform, you agree to be bound by these Terms. We may update these Terms from time to time at our discretion. We will always keep the current version of these Terms posted on the Platform. By using the Platform after a new version of these Terms have been posted, you agree to the terms and conditions of such version of these Terms. If you do not agree to these Terms, you must immediately cease your use of the Platform.

USER ACCOUNTS

You may be required to create a user account to access some or all of the Platform’s features. You will be required to provide certain information (including personal information) to register your account on the Platform. Your personal information will be handled as described in our posted privacy policy. You are responsible for ensuring you provide complete and accurate information and keep such information up to date, and you are responsible for any liability or damages arising from false, fraudulent, inaccurate or incomplete information. Accounts and login credentials may not be shared between users or transferred from one user to another. You are responsible for maintaining the security of your account and your login credentials, and you will be responsible for any actions taken using your account credentials.

ACCEPTABLE USE POLICY

You represent, warrant, and agree that you will not: (i) remove any trademark or copyright notices contained in the Platform or Content (as defined below); (ii) reproduce, modify, publish, distribute, transmit, disseminate, transfer, license, sell, lease, create derivative works based upon, or in any way commercially exploit the Platform or Content; (iii) use manual or automated means to trawl, mine, scrape, frame, or mirror the Platform or Content; (iv) disassemble, decompile or reverse engineer the Platform or Content; (v) attempt to hack, defeat, or overcome any encryption technology or security measures regarding the Platform or our other systems or those of any third party, or gain any unauthorized access to any systems or accounts; (vi) interfere with or disrupt the operation of the Platform or any other systems or otherwise interrupt or interfere with any other user’s use or enjoyment of the Platform; (vii) promote illegal activity or violate any applicable local, state, national or international law; (viii) post or transmit any Content that is discriminatory, unlawful, defamatory, abusive, harassing, threatening, indecent, pornographic, obscene, fraudulent or otherwise inappropriate or infringes any intellectual property or privacy or other rights of any person; (ix) send unsolicited advertisements through the Platform; (x) impersonate any person or misrepresent your identity or affiliation; (xi) use the Platform in a way that is not for its intended purposes or that will adversely affect us or reflect negatively on us, any of our goodwill, name or reputation; (xii) provide any false or misleading information or any information that you do not have the right to provide; or (xiii) otherwise violate any of our published rules, policies, or guidelines.

ADDITIONAL TERMS FOR SPECIFIC PLATFORMS, TOOLS, AND PORTALS

If you access the following platforms, tools, or portals, the relevant additional terms and conditions will apply:

Ordering Platforms: You are solely responsible for ensuring you have all necessary authority and consents to upload or download any orders or take any other actions using OMSI, the Prepaid Digital Portal or any other ordering platform (collectively, the “Ordering Platforms”). You acknowledge that orders and other actions taken may be non-cancellable unless otherwise described in the Ordering Platforms.

Promocode Administration: The Promocode Administration is a tool offered for administrative use by a limited number of program managers in connection with the overall operation of the customer’s card program. You may not use Promocode Administration for broader customer support purposes unless you or the relevant customer have entered into a separate written contract with us to govern such usage. You are solely responsible for ensuring you have all necessary authority and consents to implement any cancellations, reissues, or other actions you take using Promocode Administration.

Developer Portal: The Developer Portal is offered for development and evaluation purposes, and access and use for production (non-testing) purposes is strictly prohibited unless you have entered into a separate written contract with us to obtain a license for such purposes. You are responsible for any actions taken using your API keys.

CONTENT; OWNERSHIP AND LICENSE

“Content” means all information, data, text, software, music, sound, photographs, graphics, video, messages, or other material or content that are displayed, used, or otherwise incorporated into the Platform.

All Content other than Your Content (as defined below) is owned by us or our third-party licensors and vendors and is protected by applicable copyright, trademark, and/or other intellectual property laws. Nothing contained on the Platform should be construed as granting any license or right to use any of the Content without our written permission other than as set forth herein. Subject to your continued compliance with these Terms, we hereby grant you a personal, non-exclusive, revocable, non-transferable and non-sublicensable license to access and use the Platform and Content for its intended purpose and in accordance with any other agreements you have entered into with us. Any use of the trademarks included in the Content will inure to our (or the applicable licensor’s) benefit.

YOUR CONTENT; FEEDBACK

“Your Content” means any Content submitted to the Platform by you. We have the right, but no obligation, to monitor or screen Your Content and remove any of Your Content in our discretion, including if we deem it objectionable or inappropriate in any way. You own Your Content. By submitting any of Your Content, you: (i) represent and warrant that you have all right, title, and interest to do so; and (ii) grant us and our affiliates a non-exclusive, worldwide, transferable and sublicensable license to use, reproduce, display, perform, modify, transmit, distribute and create derivative works of Your Content in any media in connection with our provision of services to you. If you provide feedback, suggestions, improvements, or requests for additional functionality related to the Platform (collectively, “Feedback”), you grant us an unrestricted, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, display, perform, modify, transmit, distribute and create derivative works of such Feedback in any way we deem reasonable, without any attribution or accounting to you. This paragraph will survive any termination or expiration of these Terms or of your account on the Platform.

THIRD PARTIES

The Platform may contain links to websites owned or operated by, and marketing materials and content provided by or promoting, third parties and their products and services. We do not control or endorse such parties, websites, products or services, and we are not responsible for their content, nor are we responsible for the accuracy or reliability of any information, data, opinions, advice, or statements contained within such websites or materials. We have the right, but not the obligation, to review any Content provided by third parties (including other users of the Platform). We do not endorse such third-party Content, and any views expressed therein are the views of the applicable author and do not necessarily align with our views. We are not responsible for the accuracy or reliability of any Content provided by third parties and will not be liable for any causes of action (including slander, libel, or invasion of privacy) relating to such third-party Content. We have no control over, and are not responsible for, your interactions (online or in person) with any third parties, including other users of the Platform even if introduced via the Platform. You are solely responsible for your interactions with any third parties. If you have any disputes with other users of the Platform, we may (at our discretion) attempt to facilitate a resolution, but are under no obligation to do so.

DISCLAIMERS

YOUR USE OF THE PLATFORM AND CONTENT IS AT YOUR SOLE RISK AND THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE AND OUR LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND RELATED TO THE PLATFORM AND CONTENT, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, OR THAT USE OF THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE OR THE CONTENT WILL BE COMPLETE OR ACCURATE. WE ARE NOT RESPONSIBLE FOR ANY PROBLEMS OR TECHNICAL MALFUNCTION OF ANY ELECTRONIC NETWORK OR LINES, SERVERS, SOFTWARE, OR FAILURE OF TRANSMISSION AS A RESULT OF TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR ON THE PLATFORM, INCLUDING ANY INJURY OR DAMAGE TO ANY PERSON'S COMPUTER RESULTING FROM PARTICIPATION OR DOWNLOADING MATERIALS IN CONNECTION WITH THE PLATFORM.

UNDER NO CIRCUMSTANCES SHALL WE BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, INCLUDING PERSONAL INJURY OR DEATH, RESULTING FROM USE OF THE PLATFORM, CONTENT, OR FROM THE CONDUCT OF ANY USERS OF THE PLATFORM OR OTHER THIRD PARTIES. WE DO NOT ENDORSE ANY THIRD PARTIES. IF YOU CHOOSE TO WORK WITH ANY THIRD PARTIES, YOU DO SO AT YOUR OWN RISK AND WE WILL NOT BE RESPONSIBLE FOR SUCH INTERACTIONS OR THE SERVICES PROVIDED BY SUCH THIRD PARTIES. ANY BUSINESS RELATIONSHIP YOU ENTER INTO WITH ANY THIRD PARTY IS SOLELY BETWEEN YOU AND SUCH THIRD PARTY, AND WE ARE NOT A PARTY TO SUCH RELATIONSHIP.

SOME STATES DO NOT ALLOW CERTAIN DISCLAIMERS OR LIMITATIONS ON WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. THESE LIMITATIONS WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, NEITHER WE NOR OUR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR DATA (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM THE USE OF OR THE INABILITY TO USE THE PLATFORM, UNDER ANY LEGAL THEORY WHATSOEVER (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE). TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, NEITHER WE NOR OUR LICENSORS WILL BE LIABLE TO YOU FOR AN AGGREGATE AMOUNT EXCEEDING THE GREATER OF $100 USD OR THE AMOUNTS PAID BY YOU TO US IN CONNECTION WITH THE PLATFORM IN THE PAST THREE MONTHS. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY FOR DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. YOUR SOLE REMEDY IF YOU ARE DISSATISFIED WITH THE PLATFORM IS TO DISCONTINUE YOUR USE THEREOF.

RELEASE AND INDEMNITY

You will release, defend, indemnify, and hold us, our past, present, and future affiliates, licensors, licensees, marketing partners, and suppliers, together with their respective officers, directors, employees, and agents, harmless from and against any damages, losses, claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from your use of the Platform, Your Content, your violation of these Terms, or any claims arising from transactions or relationships between you and your end customers, clients, or cardholders. We may opt to defend such claims at our sole discretion, in which case you will indemnify us for the costs of such defense. California residents hereby waive California Civil Code Section 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that if known by him or her would have materially affected his or her settlement with the debtor or released party.”

TERMINATION

We reserve the right to modify or discontinue, temporarily or permanently, the Platform (or any part thereof) without notice. We may terminate or suspend your account at any time, without liability to you. Your right to use the Platform will automatically terminate if you breach these Terms. You may stop using the Platform at any time; to delete your account please contact us as set forth at the end of these Terms. Termination will not relieve either party from any obligations incurred or arising prior to such termination, and those sections of these Terms which are by their nature intended to survive termination (including, without limitation, the disclaimers, limitation of liability, indemnity, and general clauses) shall so survive.

DISPUTE RESOLUTION; MANDATORY ARBITRATION; WAIVER OF JURY TRIAL AND CLASS ACTION

THESE TERMS ARE GOVERNED BY AND WILL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF ILLINOIS, WITHOUT REGARD TO THE CONFLICTS OF LAWS PROVISIONS THEREOF.

THE PARTIES AGREE THAT ANY LEGAL ACTION OR DISPUTE ARISING OUT OF OR IN CONNECTION WITH THE PLATFORM OR THESE TERMS WILL BE BROUGHT AND MAINTAINED EXCLUSIVELY IN A STATE OR FEDERAL COURT OF COMPETENT SUBJECT MATTER JURISDICTION IN CHICAGO, ILLINOIS, AND THE PARTIES HEREBY SUBMIT TO THE PERSONAL JURISDICTION AND VENUE OF SUCH COURTS FOR THE PURPOSE OF ANY SUCH ACTION OR CLAIM, AND WAIVE ANY DEFENSE RELATED TO PERSONAL JURISDICTION, PROCESS OR VENUE.

THE PARTIES HERETO EXPRESSLY WAIVE THE RIGHT TO TRIAL BY JURY AND ANY RIGHT TO PARTICIPATE IN CLASS-ACTION PROCEEDINGS.

FORCE MAJEURE

We will not be responsible or liable for any delays or failures to perform due to causes beyond our reasonable control, which may include natural disasters, terrorist attacks, criminal activity, failure of internet or communications networks, health emergencies including pandemics or similar serious outbreaks of disease, or other force majeure events.

GENERAL

We may from time to time offer you the chance to try certain “beta” or “evaluation” products, services, features, or functionality (“Beta Offerings”). NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, ALL BETA OFFERINGS ARE PROVIDED ON A COMPLETE “AS-IS” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, AND WE WILL HAVE NO LIABILITY IN CONNECTION WITH THE BETA OFFERINGS.

Some or all of the Platform’s features and services may be limited or unavailable to users who are not residents and/or citizens of the United States.

You may not assign these Terms or these rights and obligations without our prior written consent; any purported assignment in violation of these Terms will be null and void. If any provision of these Terms is determined to be void or unenforceable in whole or in part, the remaining provisions of these Terms shall not be affected thereby and shall remain in force and effect.

These Terms and any policies referenced herein constitute the entire agreement between the parties regarding the subject matter thereof and supersede any prior or contemporaneous agreements with regards to such subject matter. A party's failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

You may provide notice to us by contacting us at legal@onbe.com. We may provide notice to you by email or regular mail at the address listed in your account profile, or through messages displayed or sent via this website or the Platform.

CONTACT

For more information or for help in answering any questions, please contact your Account Manager.

Privacy Policy

PURPOSE

This Privacy Notice describes how Onbe, Inc. (“we”, “our”, “us” or “Onbe”) manages the personal data we collect about users of our Web sites and mobile applications, as well as the personal data we collect in providing our products and services or when individuals communicate with us about our Web sites, mobile apps, products or services. It explains (1) what personal data we collect, (2) how we use the personal data we collect, (3) how long we hold the data, (4) what and with whom we share it with, (5) how to control your privacy options with Onbe, (6) what are your rights, and (7) certain other privacy information. In addition to these items, we also process personal data on behalf of our clients and card or payment issuers When we do so, we process personal data solely to provide services to program sponsors (also referred to as “clients”) and card or payment issuers, we collect, use and disclose the data only under the instructions of the program sponsor or the card or payment issuer, and our processing of the data is subject to their instructions and privacy notices. Please read the agreement and terms and conditions provided in conjunction with your payment for further details regarding your payment issuer. For access to each payment issuer’s privacy policy, please click on each name:

MetaBank®, National Association, Member FDIC
The Bancorp Bank, Member FDIC
Transact Payments Malta Limited (EU Residents)
Transact Payments Limited (UK Residents)
People’s Trust Company.

WHAT DATA WE COLLECT ABOUT YOU

Onbe may collect Personal Data, for example through the use of our products, accessing our websites or when you contact customer service. Personal Data may include the following, as applicable:

Full name, personal or business contact information including physical mailing address, email address, telephone number, and in some instances date of birth and/or national identification number (e.g., SSN).
Contact preferences and other business information that helps us do business with you.
Technical information such as login information, IP address, device and operating system.
Other data with your consent or as allowed or required by applicable law.

HOW WE USE YOUR DATA

We collect Personal Data about you to operate and to support our services and products only. We may use this Personal Data to:

Send administrative material to you, such as changes to our terms, conditions, and policies.
Provide access to our website and customer service.
Provide technical support.
Send you alerts that you requested.
Identify areas where our products and services can be enhanced.
Detect and protect against errors, fraud, or other criminal activity.

We may also use your Personal Data in other instances with your consent or as allowed or required by law.

HOW LONG WE HOLD YOUR DATA

We may hold Personal Data as long as needed or relevant for the practices described in this Privacy Notice or as otherwise applicable by law. Actual hold periods differ depending on the type of services and products. The principles we use to determine the holding periods include the following:d or relevant for the practices described in this Privacy Notice or as otherwise applicable by law. Actual hold periods differ depending on the type of services and products. The principles we use to determine the holding periods include the following:

Personal Data needed to provide our services and products as described in this Privacy Notice;
Personal Data needed for auditing purposes;
Personal Data needed to troubleshoot problems or to assist with investigations;
Personal Data needed to enforce our policies;
Personal Data needed to comply with legal requirements.

Regulations require financial institutions to obtain, verify, and record information that identifies each person for whom we open or have established an account. With respect to such records, Onbe generally holds those records for a minimum of seven years.

WHAT AND WITH WHOM WE SHARE

We do not share your Personal Information with third-parties for joint marketing purposes or so they can market to you, without your prior express consent. We may share your Personal Data:

With organizations and partners that help us operate our business by providing services such as website hosting, data analysis, information technology, customer service, email delivery, auditing and other similar services.
With partners and other vendors that perform services on our behalf, such as network services support, including data processing services, customer service, call center services, information technology services, internal audit, management, or administrative purposes.
To comply with the law or other legal responsibilities such as responding to subpoenas, including laws and other legal duties outside your country of residence.
To answer requests from government authorities including authorities outside your country of residence.
To protect our rights, business operations and possessions, or that of our users, employees and partners.
To investigate, stop, or take action concerning possible or suspected illegal activities, fraud, or violations of our terms and conditions.

HOW TO CONTROL YOUR PRIVACY OPTIONS

You can update your account profile online or by email. We maintain electronic records of your Personal Data for the purposes described in this Privacy Notice. You will be able to access and edit your Personal Data on the website listed on the back of the card. Otherwise, you may contact us at the e-mail address listed at the bottom of this Notice. Your right to access, correct or delete your Personal Data indicated in our records is subject to applicable law including our right to retain documentation of our compliance with applicable legal requirements and technology limitations. We may take reasonable steps to confirm your identity before giving access or making modifications to your Personal Data.

If we receive data from other sources, we may direct you to contact those sources. Please note that we are not responsible for permitting you to review, or for updating or deleting personal data that you provide to those sources or any other third-party.

WE USE BROWSER INFORMATION

We may use cookies, browser data, and location information, to uniquely recognize your computer or device and the pages you see on our website. We use tracking tools to:

Identify new or past users;
Save your password if you are registered on our website;
Enhance our website and troubleshoot issues.
Investigate, stop, or take action concerning possible or suspected illegal activities, fraud, or violations of our terms and conditions.

For more information, please read our Cookie Policy.

You can adjust cookies and tracking tools on our Website. Your web browser may give you the ability to adjust cookies. How you do so depends on the type of cookie. Certain web browsers can be set to clear past and reject future cookies. If you block cookies on your browser, certain features of our website may not work. Additionally, if you limit or delete cookies, not all of the tracking activities we have defined here will stop. The choices you make are both browser and device specific. For more information on cookies and how to manage them, visit www.allaboutcookies.org.

WHAT ARE YOUR RIGHTS UNDER DATA
PRIVACY LAWS

When you provide us with your Personal Data it is only used for the purposes of providing products and services as described in this Privacy Notice. You have the option to opt-out of certain uses and disclosures of your Personal Data as outlined in this Notice. If you would like to opt-out of these uses or disclosures of your Personal Data, you may contact us at the email address listed at the bottom of this Notice.

California Residents If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. Effective January 1, 2020, under the California Consumer Privacy Act (CCPA), residents of California have certain rights to access, delete, or otherwise control the use, collection, and/or disclosure of their information. California residents may also opt out of the sale of such information, if applicable. These provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law.

To contact us with questions about our compliance with the CCPA, or exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request by either:

Calling us at 866.230.3809
Emailing us at: compliance@onbe.com

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Please note, consumers will not receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

EU & UK RESIDENTS

We adhere to applicable data protection laws in the European Union ("EU") and the United Kingdom (“UK”), when relevant and appropriate, including the General Data Protection Regulation (“GDPR”). In addition, we participate in and comply with the EU-U.S. Privacy Shield Principles as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries (including EEA member countries) and the UK as well as Switzerland, respectively.

As described in our Privacy Shield certification, we comply with the EU-U.S. and Swiss-U.S. Privacy Shield Frameworks as set forth by the US Department of Commerce regarding the collection, use and retention of personal information from European Union member countries (including EEA member countries) and the UK as well as Switzerland, respectively. Onbe remains responsible for any of your personal information that is shared under the Onward Transfer Principle with third parties for external processing on our behalf, as described in the “What and Whom We Share” section. To learn more about the Privacy Shield program, and to view Google’s certification, please visit the Privacy Shield website.

Under the Privacy Shield Principles, Onbe is subject to the investigative and enforcement authority of the Federal Trade Commission (FTC), and we may be required to disclose personal information in response to lawful requests by public authorities which may include national security or law enforcement requests. Onbe has liability for onward transfers to third parties unless we can prove we were not a party to the events giving rise to the damages. Additionally, an individual may be allowed to invoke binding arbitration to resolve disputes under certain limited conditions. If you have an inquiry regarding our privacy practices in relation to our Privacy Shield certification, we encourage you to contact us.

MODEL CONTRACT CLAUSES

The European Commission has approved the use of model contract clauses as a means of ensuring adequate protection when transferring data outside of the EEA. By incorporating model contract clauses into a contract established between the parties transferring data, personal data can be protected when transferred outside the EEA to countries which have not been deemed by the European Commission to adequately protect personal data. Onbe offers these model contract clauses for to our clients (also known as Program Sponsors).

If you are located in the EU or the UK, you have the right to:

Request access, rectify or delete your Personal Data;
Object, portor restrict the processing of your Personal Data;
Withdraw any consent you have provided to our processing of your Personal Data;

We will make every effort to honor your request, however in some situations, we may not be able to act and/or may impose limitations on your request. For instance, if your request is likely to adversely affect the rights and freedoms of others, prejudice the execution or enforcement of the law, interfere with pending or future litigation, or infringe on applicable law.

You may exercise these rights free of charge. However, we may charge a reasonable fee or refuse to act on a request if it is manifestly unfounded or excessive, in particular because of its repetitive character.

Onbe commits to resolve complaints about our collection or use of your personal information in accordance with EU/UK data protection regulations and the Privacy Shield Principles. EU and UK individuals with inquiries or complaints regarding this Policy should first contact Onbe’s Customer Service team. You have the right under applicable EU and UK privacy law to file a complaint with the relevant Data Protection Authority in your country of residence.

Onbe has further committed to refer unresolved Privacy Shield complaints to the Better Business Bureau (BBB), an alternative dispute resolution provider located in the United States. If you do not receive timely acknowledgment of your complaint from us, or if we have not addressed your complaint to your satisfaction, please visit BBB-EU Privacy Shield for more information or to file a complaint. This service is provided to you at no cost.

If you wish to exercise any of these rights, please contact us using the email address listed at the bottom of this Notice.

OTHER PRIVACY INFORMATION

We process your Personal Data, on specific legal grounds. We do so with your consent, to fulfill the contractual requirements we have with you, comply with our legal responsibilities, or as needed to deliver our services and products and for other legitimate business interests for the purposes described in this Privacy Notice.

We protect your Personal Data. We implement security policies, processes and technical security solutions to protect Personal Data which includes various network safeguards, logging and alerting. In order to perform certain obligations, our authorized employees and service providers will need access to your Personal Data. We contractually require our service providers to protect your Personal Data.

Data storage and transfers. We store Personal Data in the United States. If you reside outside of the U.S, you understand that we transfer Personal Data to the United States. Our products and services and associated practices comply with privacy provisions as set forth by the US government, including the US Department of Commerce’s EU Privacy Shield Framework, and GDPR as required by EU/UK. When we transfer your Personal Data to service providers or third parties as outlined in this Privacy Notice, we rely on contractual clauses to administer the transfer of that Personal Data and uphold those entities to protecting the data as described in this Privacy Notice or as required by law.

Our Services are not intended for children. Our Services are meant for adults and are not for children. We do not intentionally collect Personal Data from children under 13 without authorization from a parent or legal guardian. If you think your child under 13 has sent us data, you can contact us at compliance@onbe.com.

Our Services may link to third-party services that we do not manage. If you click a link to a third-party website, you will be taken to sites that we do not control. This Privacy Notice does not apply to the privacy practices of those websites. Please read the privacy notice of those websites. We are not liable for these third-party practices.

This Privacy Notice may be updated at any time. We may change our Privacy Notice from time to time. We may inform you of any changes to our Privacy Notice as required by law. Please check the Website periodically for updates. This Privacy Notice was last modified on 03/2021.

To contact us, if you have additional questions, concerns or wish to file a complaint regarding your Personal Data, you may e-mail our Data Protection Officer at compliance@onbe.com. We are committed to resolving any questions you may have.

Cookie Policy

Last updated: April 1, 2021

Onbe ("us", "we", or "our") uses cookies on this digital payment website (the "Service"). By using the Service, you consent to the use of cookies.

Our Cookies Policy explains what cookies are, how we use cookies, how third-parties we may partner with may use cookies on the Service, your choices regarding cookies and further information about cookies.

What are cookies

Cookies are small pieces of text sent to your web browser by a website you visit. A cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you. Cookies do not harm your computer.

Cookies can be "persistent" (those that remain on your computer for a predesignated period of time) or "session" (those that are erased when you close your browser) cookies.

How Onbe uses cookies

When you use and access the Service, we may place cookies files in your web browser.

We use essential cookies to authenticate users and prevent fraudulent use of user accounts.

We use functionality cookies to enable certain functions of the Service and to store your preferences, such as policy acknowledgements and language and currency preferences.

We use tracking and performance cookies to understand Service usage and performance.

We use both session and persistent cookies on the Service.

We do not use cookies to collect or record information such as your name and address.

Third-party cookies

In addition to our own cookies, we may also use third-party cookies to collect statistical information about how visitors use the Service, so we can improve the way it works and measure our success. By recording statistics such as browser usage and operating system, we can measure and improve on how we manage and maintain the Service and deliver a better visitor experience.

What are your choices regarding cookies

If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed.

Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

Where can you find more information about cookies

If you would like to learn more about cookies in general, you may visit www.allaboutcookies.org.