LEGAL NOTICE, PRIVACY POLICY AND COOKIE POLICY

1. LEGAL NOTICE

In compliance with article 10 of Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE), the identifying details of the company are set out below:

Company name: PAYOK FINANCIAL SERVICES, S.L., CIF: B73697567 (hereinafter, PAYOK).  

Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain

Phone: +34 613 01 87 17

Email: [email protected]

Domain name: www.payok.app

Administrative authorization: Authorization from the National Commission on Markets and Competition for the provision of electronic communications services.

Mercantile register

The company PAYOK FINANCIAL SERVICES, S.L., has been registered in the Mercantile Registry of Murcia, Volume 2795, Book 0, Page 168, Section 8, Sheet MU75166, Entry 6, Date 11/10/2023.

Purpose of the website

Provision of financial services and related sector services, associated with PAYOK. This legal notice (hereinafter, the "Legal Notice") regulates the use of the website: www.payok.app.

Legislation

In general, the relations between PAYOK and the users of its telematic services, present on this website, are subject to Spanish legislation and jurisdiction.

User use and access

The User is informed, and accepts, that access to this website does not, in any way, imply the start of a commercial relationship with PAYOK or any of its branches.

Intellectual and industrial property

The intellectual property rights of the content of the web pages, their graphic design and codes are owned by PAYOK and, therefore, their reproduction, distribution, public communication, transformation or any other activity that can be carried out with the contents of its web pages is prohibited, even quoting the sources, unless written consent is given by PAYOK.  

Website content and links

PAYOK reserves the right to update, modify or delete the information contained in its web pages, and may even limit or deny access to such information to certain users.

PAYOK does not assume any responsibility for the information contained on third-party web pages which can be accessed via "links" or hyperlinks from any web page owned by PAYOK.  

The presence of "links" or hyperlinks on PAYOK web pages is solely for informational purposes and in no case does it imply suggestion, invitation or recommendation regarding them.

2. PRIVACY POLICY

Through this data protection policy, PAYOK informs users of its website about how user data will be managed, so that they can decide freely and voluntarily whether they wish to provide the requested information.

Principles and privacy guarantee

This website respects and protects users' personal data. As such, you should know that your rights are guaranteed.

At PAYOK we guarantee compliance with the following principles to ensure your privacy:

* We never request personal information unless it is truly necessary to provide the services that the client requests.

* We never share users' personal information with anyone, except to comply with the law or if we have the user's express authorization.

* We never use your personal data for a purpose other than that stated in this privacy policy.

It should be noted that this Privacy Policy may be modified to adapt to new legal requirements, so users are advised to visit it periodically.

PAYOK has adapted this website to the requirements of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 and Law 3/2018, on personal data protection and digital rights guarantees (LOPDGDD), as well as Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE or LSSI).

Data controller

Company name: PAYOK FINANCIAL SERVICES, S.L., CIF: B73697567 (hereinafter, PAYOK). 

Address: C/ Concordia, nº 39, 30500, Molina de Segura, Murcia - Spain

Phone: +34 613 01 87 17

Email: [email protected]

For the processing of our users' data, we implement all the technical and organizational security measures established by current legislation.

Principles applied to personal information:

In processing your personal data, we will apply the following principles that comply with the requirements of the new GDPR:

* Lawfulness, fairness and transparency: We will always require your consent for the processing of your personal data for one or more specific purposes which we will inform you about in advance with absolute transparency.

* Data minimization: We will only request strictly necessary data for the purposes required.

* Limitation of storage period: Data will be kept no longer than necessary for the purposes of the processing.

* Integrity and confidentiality: Your data will be processed in a manner that ensures appropriate security and confidentiality. PAYOK will take the necessary precautions to prevent unauthorized access or improper use of our users' data by third parties.

How did we obtain your data?

The personal data we process comes from:

• Contact form
• Newsletter subscription
• Email
• User registration
• Event and activity registration

For what purpose do we process your personal data?

When a user connects with this website, for example to comment on a post, send an email to the owner, subscribe, or make a contract, they are providing personal information for which PAYOK is responsible. This information may include personal data such as your IP address, name, physical address, email address, phone number, and other information. By providing this information, the user consents to their information being collected, used, managed, and stored by PAYOK, as described in the Legal Notice and this Privacy Policy.
There are different systems for collecting personal information and we process the information provided by interested parties via the following means:

• Contact form: The following personal data is requested: Name, Email, and any other information you may provide in the message body, to respond to user requests. For example, we can use this data to respond to your request and answer questions, complaints, or comments about the information on the website, the services provided through the website, or the processing of your personal data.
• User registration form: When completing the “Create an account/Sign Up/Register” section, the following personal data is requested: Full name, address, phone number, email, ID, and password.
• Newsletter form: The following personal data is requested: Name, Email, and any other information you may provide in the Message body, so we can send you all information related to our services and products that may be of interest to you.
• Other non-identifying data is also collected through certain cookies downloaded onto the user's device when browsing this website, as detailed in the cookie policy.
  PAYOK will not transfer personal data that can identify the user to third parties without prior consent.
  
  

What is the legal basis for processing your data?

PAYOK is authorized to process your personal data, based on the data subject's consent, as set out in Article 6.1.a of the aforementioned GDPR.

How long will your data be kept?

The personal data provided will be kept as long as a commercial relationship is maintained and, where appropriate, for the years necessary to comply with legal obligations or until the data subject requests deletion of their data.

What are your rights when you provide us with your data?

Data subjects have the right to:

• Access: Access their personal data held by PAYOK.
• Rectification: Amend or correct inaccurate data held by PAYOK.
• Cancellation: Delete their personal data, when no longer necessary, from the PAYOK database.
• Objection: Object to the use of their data for a purpose other than that chosen, from the services provided by PAYOK.
• Portability: Request the transfer of their file in an automated system to another company, from the PAYOK database.
• Restriction: Limit the use and period of use of their data by PAYOK, in which case it will only be kept according to tax law and for claims management.
• Withdrawal (Right to be Forgotten): Request deletion of their history, if applicable, on the Internet (see GDPR).

These rights can be exercised using the forms provided for this purpose, via the company’s email or our data protection officer at dpd@valegalespaña.com.

Finally, we inform you of your right to submit a complaint to the relevant data protection authority, in particular, to the Spanish Data Protection Agency.

Data subjects may access their personal data, as well as request correction of inaccurate data or, where appropriate, request deletion when, among other reasons, the data is no longer necessary for the purposes for which it was collected. In certain circumstances, data subjects may request the restriction of processing of their data, in which case it will only be kept for the exercise or defense of claims.
In certain circumstances and for reasons related to their particular situation, data subjects may object to the processing of their data. PAYOK will stop processing the data, unless there are legitimate reasons, or for the exercise or defense of possible claims. As a data subject, you have the right to data portability, i.e., to receive the personal data you have provided and to transmit it to another data controller when:

• The processing is based on consent
• The data has been provided by the data subject.
• The processing is carried out by automated means.

When exercising your right to data portability, you have the right to have personal data transmitted directly from controller to controller where technically possible.
Data subjects also have the right to effective judicial protection and may submit a complaint to the supervisory authority, in this case, the Spanish Data Protection Agency, if they consider that the processing of personal data concerning them violates the Regulation.

Accuracy of the data

The user is solely responsible for the accuracy of the data submitted to PAYOK, exempting it from any responsibility in this regard.
Users guarantee and are responsible, in any case, for the accuracy, validity and authenticity of the personal data provided, and undertake to keep it properly updated. The user agrees to provide complete and correct information in the contact or subscription form.

Security measures

PAYOK undertakes to use and process users' personal data, respecting its confidentiality, to use it according to its purpose, as well as to comply with its obligation to store it and to adopt all measures to prevent alteration, loss, processing or unauthorized access, in accordance with current data protection regulations.
If a security incident occurs, PAYOK will notify the user without undue delay and will provide appropriate information related to the security incident as soon as it is known.

Acceptance and consent

The user declares to have been informed of the personal data protection conditions, accepting and consenting to the processing of their data by PAYOK in the manner and for the purposes indicated in this privacy policy.

Revocability

The consent given, both for the processing and for the transfer of data of data subjects, is revocable at any time by communicating it to PAYOK under the terms established in this Privacy Policy for the exercise of your rights.

Changes to the privacy policy

PAYOK reserves the right to modify this policy to adapt it to legislative developments, as well as industry practices. In such cases, the changes introduced will be announced on this page with reasonable notice before their implementation.

3. Cookie policy

PAYOK, through this document, sets out its Cookie Collection and Processing Policy, in compliance with the provisions of article 22.2 of Law 34/2002, of 11 July, on Services of the Information Society and Electronic Commerce (LSSICE).

This Cookie Policy will apply to users who voluntarily visit PAYOK’s websites, fill out data collection forms, access tools that PAYOK makes available to its clients to manage their services, or use any other service present on the website that involves the communication of data or access to data for the provision of its services.

What are cookies?

Cookies are small files that some platforms, such as web pages, may install on your computer, smartphone, tablet or smart TV when you access them. Their functions can be very varied: storing your browsing preferences, collecting statistical information, enabling certain technical functionalities, storing and retrieving information about the browsing habits or preferences of a user or their device, and sometimes, depending on the information they contain and how you use your device, they may recognize you. A cookie is stored on a computer to personalize and make the user's navigation as easy as possible. Cookies are only associated with a user and their computer and do not provide references that allow the user's personal data to be deduced. The user can configure their browser to notify or reject the installation of cookies sent by the website.

Why are they important?

Cookies are useful for several reasons. Technically, they allow websites to work more efficiently and adapt to users' preferences, for example, storing their language or the currency of their country. In addition, they help website owners improve the services they offer, thanks to the statistical information collected through them. Finally, they make the advertising we show you more efficient, thanks to which we can offer you services free of charge.

How do we use cookies?

Browsing this website means that the following types of cookies may be installed:

Classified by ownership:

Own cookies

Sent and managed directly by PAYOK.  

Third-party cookies

Sent and managed by a third party unrelated to PAYOK anonymously, for the purpose of conducting statistical studies of browsing on the web pages.

Classified by purpose:

Performance enhancement cookies

This type of cookie preserves your preferences for certain tools or services so that you do not have to reconfigure them each time you visit our site and, in some cases, may be provided by third parties. Some examples of these cookies are: volume settings of audiovisual players, sorting preferences for articles or compatible video playback speeds. In the case of e-commerce, they allow information about your shopping cart to be maintained.

Statistical analysis cookies

These are those that, whether treated by us or by third parties, allow us to quantify the number of visitors and statistically analyze the use made by users of our services. Thanks to them, we can study navigation on our website and thus improve the offer of services and/or products we offer. These cookies are not associated with any personal data that can identify the user, providing information about browsing behavior anonymously.

Geolocation cookies

These cookies are used by programs that try to geographically locate the position of the computer, smartphone, tablet, or connected television, in order to anonymously offer you more appropriate content and services.

Registration cookies

These are cookies that identify you as a registered user and indicate when you have identified yourself on the website. These cookies are used to identify your user account and associated services, thus facilitating your navigation. These cookies are maintained until you leave the account, close the browser, or turn off the device. These cookies may be used in combination with analytical data to individually identify your preferences on our site.

Advertising cookies

These are those that, whether treated by us or by third parties, allow us to efficiently manage the advertising spaces on our website, adapting the content of the ad to the content of the requested service or to your use of our website. Thanks to this, we can know your internet browsing habits and show you advertising related to your browsing profile.

Other third-party cookies

On some of our pages, third-party cookies can be installed that allow the management and improvement of the services they offer. An example of this use are links to social networks that allow sharing of our content.

Classified by duration:

Session cookies

They collect and store data while the user accesses the website.

Persistent cookies

They collect and store data on the user's device for a variable period depending on the purpose for which they have been used.

The retention time of cookies will depend on their type and will always be the minimum necessary to fulfill their purpose.

How can I configure my preferences?

You can allow, block, or delete the cookies installed on your device by configuring your internet browser options.

Below, we offer links where you can find information on how to enable your preferences in the main browsers:

Google Chrome

Mozilla Firefox

Internet Explorer

Safari

Safari for IOS (iPhone, iPad)

What happens if cookies are disabled?

If you block or do not accept the installation of cookies, certain services offered by our website that require their use may be disabled and, therefore, may not be available to you, so you will not be able to take full advantage of everything our website and applications offer you. It may also reduce the quality of website operation.

What types of cookies do we use?

PAYOK informs users of its web pages of the existence of cookies and provides this Policy in order to inform them about the use and purpose of the same. By continuing to browse its pages, users acknowledge and accept this Policy.

Acceptance of cookies by choice

If you continue browsing after being informed about our Cookie Policy, we understand that you accept the use of cookies.
When you access this website or application for the first time, you will see a window informing you about the use of cookies and where you can consult this cookie policy. If you consent to the use of cookies, continue browsing or click on any link, it will be understood that you have consented to our cookie policy and, therefore, to the installation of cookies on your device.

In addition to the use of our own cookies, we allow third parties to set and access cookies on your computer. Consent for the use of cookies from this company is linked to browsing this website.