1.2 Links on the Switch website
Some sections of our website contain links to the websites of third parties. These pages are subject to their own privacy policies. Switch is not responsible for their operation, including data handling. Users who send information to or via such third-party sites, should check the privacy policies of these sites before they share information with them.
It is hereby clarified that these privacy policies do not represent any framework agreement within the meaning of the EU Payment Services Directive 2 (2015/2366) and its transposition laws in the European Union and the EEA. Our services are available in compliance with the legal data protection provisions, which are described in the EU General Data Protection Regulation (2016/679).
2. Data Collection, Processing and Use
2.1 Required Information
We will only collect your personal data if you voluntarily share it with us, for example via our website, by email, or by telephone. To process payments with Switch, you must also specify your bank account information. We additionally require more information about yourself and your company if you want to use our service in its entirety. For tests only, a valid email address and a password are required.
Under some circumstances we will also ask you certain security questions. We need this information to process transactions, assign new passwords, to carry out checks in protecting you from credit card and bank account fraud if you have forgotten your current password, and to connect you with the administration of your account or of our services.
If you are transferring or receiving sums of money exceeding the amounts stipulated by anti-money laundering regulations, we may require more information about you or your company in order to meet the legal requirements.
2.2 Transaction data
If you use our service, we may request to store some information, including
- Your name, mailing address, city, state, zip code, email address, phone number and IP address;
- Your bill payment (including payment amount and designated payee);
- Your credit or debit card or bank account numbers, expiration date, and cardholder or account holder name;
- Social Security Number (SSN) and/or employer identification number (EIN);
- Unique identifier such as user name, account number, and password;
- IP address and other information about your computer, or the device that you use to access your user account, in order to monitor your account in relation to unauthorized access.
2.3 Information about you from third parties
To protect against potential fraud, with the help of payment processors and/or credit agencies we check the information you have provided in the list that is within the section "Use and disclosure of information" (see below). In the course of this verification we will receive personally identifiable information about you via these services.
If you owe money to Switch, we are authorized to perform a review of your credit rating, within the legal limits, by obtaining additional information about you from the credit agency. At its sole discretion, Switch also reserves the right, after conducting its own test, to periodically retrieve from a credit agency a business or customer credit report for each account, examine it, and to close accounts based on the information obtained during the credit check process.
2.4 Additional verification
If we cannot verify the information you have provided, or if we need additional information regarding your company, we will ask you to send additional information by fax, scan, or post (such as disclosure of all shareholders, excerpt from the commercial register not older than 3 months, credit card statement, or other information that places you in connection with the appropriate address), or we will perform a postal identity check. Switch reserves the right under some circumstances to make an onsite visit to your company.
2.5 Correspondence with customer service
3. Use and disclosure of information
3.1 Data Usage
You agree that we may use and store your personal information for the following purposes:
- Providing the services and customer services you have requested;
- Resolving conflicts, collection of fees, troubleshooting problems;
- Prevention of potentially illegal or prohibited activities;
- Adjustment, review and improvement of our services;
- Comparison of information for determining accuracy and validation using third parties.
Disclosure of data to third parties: Switch does not sell or rent any personal information to third parties for their marketing purposes. Disclosure takes place solely for the purposes described in this policy. You expressly agree, and indicate to Switch, that the following measures will be taken:
3.2 Our contact with financial institutions
We generally communicate with financial institutions via email or phone to provide requested services: in the processing of customer complaints, to reply to customer inquiries, to inform you that in our view your user account is being used for an unauthorized purpose, in order to confirm information concerning your person, to confirm your business or banking transactions, for the collection of receivables, to conduct customer surveys, or to investigate suspicious transactions.
We use your email address or postal address to confirm your user account, to send you notifications about e.g. the entrance or the debiting of payments via Switch, to inform you about important changes to our products and services, and to send you notices and other legally prescribed announcements. In general members cannot choose what messages they will receive. The messages are mainly sent for informational purposes and not for advertising purposes.
In connection with independent audits of our financial statements and transactions, auditors may contact some of our customers to confirm the correctness of our documents. The auditors may use any personal data for secondary purposes.
4. Data Security
Switch applies the highest standards for data security in the management of customer information. We utilize computer protection mechanisms, such as firewalls and data encryption, there are physical access controls to our buildings and files, and we provide access to personal information only to those employees who need it to carry out their activities (need-to-know basis).
Once you have entered and saved your personal information on our website or in your account, and have logged in, from this point forward communication will be encrypted. We will connect you with our secure server, so that the data cannot be read by any other person. On the basis of 128 bit SSL encryption technology, we encrypt your data and transmit it in safe mode. This standard meets the highest standards, and is used for example by banks.
For your own security, we recommend using the latest version of your browser and an up-to-date virus scanner. You can recognize when encryption is switched on by the activated lock icon at the bottom of the browser status bar, or directly above the comparison engine. We protect our server and your data with the latest security software and firewalls, which should prevent any unauthorized access attempt from the outset.
The security of your account also depends on how well you protect your password. Do not share your password with anyone. You will never be asked by a Switch employee to specify your password. Therefore, consider emails or other messages in which you are asked for your password to be unauthorized and suspicious, and forward them to email@example.com.
If you nevertheless give your password to someone else for a particular reason, this person will gain access to your user account and your personal information, and you will be responsible for all activities carried out using your password. If you believe that someone else has access to your password, change it immediately by logging in to your account at www.switchpayments.com, and make the change in the profile settings, and notify us immediately as described above.
5. Accessing and Changing your Personal Information
You can check the personal data you have provided at any time, and may change this data for your Switch account only via a written statement. You may also only close your account only via a written statement.
If you cancel your account, your details will not be used for other purposes, sold, or given to third parties, unless we are legally obliged to do.
6. Protection of Customer Data
Switch is a service that is only successful due to trust in our company, in our customers and vice versa. Thus the protection of your personal data is a very important and special concern for us.
6.1 Basic principle: trustworthy handling of your data
Switch handles the data you provide carefully and conscientiously. Collection, processing, and use of your data only proceeds in the context of the legal provisions, or in the case of your explicit consent. Your personal data and the personal data of others that you provide us with, will not be sold, rented, or disclosed to third parties for other commercial reasons, such as for marketing purposes. Personal data consists of individual details about your personal or factual circumstances. Insofar as personal data regarding a person or transaction is transmitted to Switch, it will only be used for processing contracts paid via Switch.
6.2 Technical, organisational data protection
Our own standard is that our measures are always above the industry standard (‘best practice’). To this end we require that anyone who may come in contact with your personal data, commit to maintaining data confidentiality. These obligations also remain in force after termination of activities with Switch.
7. Your Rights
8. Cookies, Website Tracking
To make visiting our website attractive and to establish the use of certain functions for you, we use so-called ‘cookies’ on some pages of our website. These involve small text files that are stored locally in the cache of your computer's Internet browser. Cookies enable the recognition of the Internet browser upon your next visit to our website, making our offer more user-friendly, more effective, and also more secure. However, you have the option of setting your browser to reject cookies or to display them in advance. However, if you reject cookies or similar technologies you may not be able to use certain web page offers, services, applications, or features. In addition, you can delete cookies on your system at any time. Please use the help integrated into your browser for more information on this topic.
Switch uses Google Analytics, an Internet analysis service provided by Google Inc. (‘Google’), to evaluate and support online marketing measures. Google Analytics uses so-called ‘cookies", which are text files placed on your computer for helping to analyse how you use the website. The information generated by the cookie about your use of the website will be transmitted to and stored by Google on servers in the United States. This website uses IP anonymization. Your IP address will be shortened by Google mainly within Member States of the European Union, or in other States party to the Agreement on the European Economic Area.
You can also prevent Google from collecting the data generated by the cookie related to your use of the website (including your IP address), as well as prevent the processing of this data by Google, by downloading and installing this browser plug-in.
For evaluation, and to support online marketing measures, Switch uses pixels, or transparent GIF files. These GIF files are provided by our ad management partners. These files can detect a unique cookie on your Internet browser, with which we can determine what advertisements the user brings to our website. The cookie was introduced by us or by another advertising customer. The information, collected and shared with cookies, Spotlight, or Floodlight technology, is anonymous and not personally identifiable. It contains neither your name nor your address, phone number, or email address.
You can prevent the installation of cookies by adjusting your Internet application (browser). To do this, you must turn off the storage of cookies in your Internet browser. For more information, please consult your Internet browser's user instructions.
If you have questions regarding the collection, processing or use of your personal data, the correction, blocking or deletion of data, as well as the revocation of granted consent, please contact: firstname.lastname@example.org