Excro is under the ownership of ESAAS (“we”, “us”, or “our”). We work round-the-clock to protect the privacy of our Customers/Users (you/ your). Your financial and personal information is collected, utilized, and protected when you use our payment services. The purpose of this Privacy Policy is to inform you about these activities. Please read this Privacy Policy thoroughly before using our payment channel as you will be bound by its terms by using it. We value your trust and are committed to protecting your privacy.
Information Collection
In order to ensure safe and efficient payment processing, we collect many kinds of user data. Your name, contact information, and billing information are included in this information. When you use our payment gateway, we may also gather information about your past purchases, how you paid, and the goods or services you purchased. To improve security and prevent fraud and illegal access, we automatically collect technical data, such as IP addresses, device details, and browser data.
Information Usage
Our payment gateway gathers data primarily for the purpose of processing transactions and transferring money safely. In addition, we may use your information to comply with legal requirements, prevent fraud, and verify your identity. Your personal information will not be rented, sold, or provided to third parties for marketing purposes without your express consent. To improve the user experience, to debug problems, and to make our services better, we might use the information you provide us.
Cookies
Our website uses cookies and other tracking technologies to improve your browsing experience and the efficiency of our payment gateway. We store little text files called cookies on your device to help us recognize you and remember your choices.
Information Security
We are committed to ensuring the security of your information. Security features and encryption technologies that are industry standards ensure the safety of your data both during transmission and storage. Our payment gateway only allows authorized individuals to access your personal and financial information as needed to process payments. We routinely perform security audits and assessments to identify and address potential weaknesses and risks. Even though we take all reasonable precautions to keep your information safe, it is your responsibility to actively contribute to your online security by maintaining the confidentiality of your login credentials and personal information.
Links to Third-party Websites
There may be links to unaffiliated third-party websites or services on our payment gateway website. These websites have been included for your convenience and information. We do not support or have any influence over the privacy policies of these third-party websites. Before doing business with any company, we recommend reading their privacy statement. Please note that we are not responsible for the security or privacy of any information you provide when visiting third-party websites through links on our site. Please use caution when visiting websites that are not within our payment gateway domain, as your interactions with these third-party sites are at your own risk.
Retention of Information
Your personal and transactional information is only kept as long as required by applicable laws and regulations or for the purposes described in this privacy statement. In order to preserve your privacy, we will safely erase or anonymize your information when no longer necessary for the purposes for which it was collected. It may be necessary to keep some data for a longer period if it is necessary to satisfy legal requirements or settle disputes.
Sharing of Information
Financial or personal information about you is never traded, rented, or sold for marketing purposes. We may share your data with dependable partners and service providers who assist us with customer care, transaction processing, and security improvements for payment gateways. In addition, we may provide your information when required by law or in response to court orders, government laws, or legal requests. Occasionally, we may share aggregated and anonymized data with third parties for research or analysis while maintaining the privacy of your personal information.
Legal Obligations
Our commitment is to honor our legal responsibilities when collecting, handling, and protecting your financial and personal information. A legal requirement or authorized request may require us to release your data in order to comply with applicable laws, rules, or governmental authorities. Since protecting your privacy is and will always be our top priority, we will always work to secure your information legally.
User’s Rights
The data we gather and handle about you as a user of our payment gateway is subject to specific rights. You have a right to know what information we have about you and how it is used. You have the right to ask for updates or changes if you think any of the information we have is incorrect or incomplete. According to current privacy regulations, you can also restrict or limit how your data is used, and you can object to its processing for specific reasons.
Options to Opt-out
When it comes to how your personal information is gathered and used, we respect your choices. If you do not wish to participate in certain data collection activities, you can choose not to do so. To revoke your consent for any particular data processing activity, please contact our privacy team using the contact information in this policy. If you choose not to participate in specific data processing activities, you may not be able to use some functionality of our payment gateway.
Children’s Privacy
We place the protection of children's privacy at the top of our priority list. Our payment gateway services are not available to individuals under the age of 18. We do not intentionally collect or request personal information from children. In the event that such data comes to our attention, we will take immediate steps to remove it from our records. If you believe a kid has given us personal information without their parents' permission, please use the contact information listed in this policy. In order to resolve the issue, we will take swift action.
GDPR Compliance
The General Data Privacy Regulation (GDPR), a comprehensive data privacy law covering the European Union (EU) and the European Economic Area (EEA), is something we are committed to adhering to. The GDPR gives residents of the EU and EEA certain rights, including the right to view, correct, and erase their personal data. When we handle your personal information, we follow the GDPR's guiding principles, which include minimization, secure data processing, and lawful and transparent processing. We are legally justified in handling your data to comply with legal requirements, perform a contract, or obtain your consent, if appropriate.
CCPA Compliance
We adhere to the California Consumer Privacy Act (CCPA), which gives residents of California specific rights regarding their personal information. As a California resident, you are entitled to inquire about the types of personal information we gather and how it is used. CCPA gives you the right to request that any personal information we hold about you be deleted, with a few exceptions. Data security and privacy are of the utmost importance to us, so we will never sell your information.
PCI DSS Compliance
Payment Card Industry Data Security Standards (PCI DSS) are strict security regulations designed to protect sensitive payment card information, and we strictly adhere to them. Financial information is very sensitive to us, so we take it very seriously. In order to protect your credit card information, we implement strong security measures that are continuously updated. Payment processing and cardholder data security are guaranteed by our payment gateway, which meets the PCI DSS regulations.
Encryption
Our encryption techniques ensure the security and privacy of your data during transmission. You can protect your private information from illegal access and third-party interception by using encryption. Encryption reflects our commitment to upholding the highest security and data protection standards for our users.
Data Breach Notification
If we discover a data breach that jeopardizes your personal information's security, we will notify you and the appropriate authorities as soon as possible. As part of our notification procedure, we will communicate promptly and transparently about the type and scope of the data breach, any associated risks, and the steps we are taking to resolve the situation. In order to strike a balance between openness and the need to protect sensitive information, we will do everything in our power to promptly notify those affected. Should you suspect that someone has accessed your account without authorization or if you have concerns about a possible data breach, please contact our privacy team.
Changes to Privacy Policy
We may periodically update and modify our privacy statement to reflect changes to our services, advances in technology, and changes in the law. We invite you to periodically review our Privacy Policy to stay informed about how we manage your money and personal information. Regardless of any changes to this privacy policy, you agree to the updated conditions when using our payment gateway going forward.
Contact US
If you have any questions or complaints regarding our privacy policy, please do not hesitate to contact us.