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General terms and conditions

The following points are a summary of important sections of the terms and conditions contained in this agreement:

  • Payer is committed to protecting your privacy and strives to protect your personal information in the best way possible.
  • Payer and its partners process your personal data to enable you to make payments using Payer  and to further simplify the payment process the next time you use Payer .
  • Payer processes personal data solely for the purposes of carrying out payments, stopping fraud, and improving the ease of use for your future use of Payer .
  • Payer never discloses the member or customer records of our customers. Additionally, Payer never discloses information to third parties for direct marketing purposes about what you have purchased or where you have made a purchase.
  • For market research purposes, your personal data is anonymized before use.

Payer  terms and conditions of use
By using Payer , you are consenting to the terms and conditions (“Terms and Conditions”) of Payer Financial Services AB (556736-8724, Box 4040, 102 61 Stockholm), “Payer”, herein. Thus, you have also accepted our processing of your personal data, including our ability to transfer this data to third parties or for processing outside the EU/EEA (European Economic Area). To use Payer , you must be at least 15 years of age.

Identification, adaptation and risk assessment 

To be able to positively identify you and prevent unauthorized use or misuse of Payer , as well as to meet the requirements of best credit practice, Payer must verify your identity. Payer or Payer’s partners collect additional information such as personal identity number, name, address, and, when credit options are selected, credit information from various providers. Payer must also use information you might have provided for previous purchases, publicly available information on the internet, or information about how you have met our payment terms in order to make a risk assessment. Payer  automatically adapts the risk assessment, and thereby the formulation of the service, each time you use the service. You therefore do not need to specify more information than necessary. In some cases, an address that you previously specified and that was approved by Payer is shown to you as soon as you provide your email address and your postal code. The approved address may only be used for the purpose of prefilling the address details at the time of purchase. By completing your purchase, you are confirming your identity and the correct delivery address.

Payment of fees
Payer  shows you the payment options that are available to you. Different payment options can be provided by Payer or by partners of Payer. For payment options provided by Payer’s partners, you must make sure you understand the terms and conditions that apply to your selected payment option. The current payment options that can currently be provided by Payer are: invoice, account credit, credit card payment, direct bank debit payment, installment, Swish and mobile payments. For payment by invoice, Payer’s invoice terms apply; the current terms are 14 days’ credit, a 60-kronor reminder fee, and interest equivalent to 24% plus the Swedish Riksbank’s current reference rate. There is no cost to use Payer. However, any taxes or charges may apply depending on the chosen payment option; see the individual payment terms for the option you choose. Payer may at any time add or remove one or more payment options of those offered in Payer .

Representations and warranties
You represent and warrant that the information you provide is accurate and that you may enter into agreements freely and without the approval of a legal guardian, financial advisor, or any other person. If you are using the service on behalf of a legal entity, you also represent and warrant that you have authority to enter into this agreement and hereby agree to its Terms and Conditions in their entirety on the legal entity’s behalf. By providing personal data about other people, you are confirming that you have consent to disclose such data and that this data may be used for the purposes and in the ways described in these Terms and Conditions.

Misuse
Use of information that is not yours or that you otherwise do not have the right to use, as well as the use of Payer  otherwise in ways not intended, will be assessed by Payer as misuse. All information related to the misuse or suspected misuse of Payer, for example by specifying incorrect or misleading information, is saved and may be used for future risk assessments and to protect those parties involved. The user may be blocked from further access to Payer. Your compliance with the Terms and Conditions and payment terms for Payer’s services also affects the risk assessment when using Payer  and thus your ability to use all the payment options.

Personal data
Payer is committed to protecting your privacy and strives to protect your personal data in the best way possible. Payer strives to comply with applicable laws and regulations for personal data protection. This policy will help you to understand what kind of information Payer collects and how it is used. By accepting the Terms and Conditions in connection with making a purchase or providing information, you consent to the processing of your personal data in accordance with what is set forth below.

Payer Financial Services AB, 556736-8724, Box 4040, 102 61 Stockholm, Sweden, is a data controller for the processing of your personal data.

Payer and its partners process your personal data to enable you to make payments using Payer  and to further simplify the payment process the next time you use Payer . Payer processes personal data in order to verify your identity, to manage customer relationships, to prevent misuse or misappropriation of the payment service, to perform customer analytics, credit assessment, risk analysis, risk management, and business development, and for commercial and marketing purposes, as well as to comply with applicable legal requirements. For the purposes of marketing research, your data are anonymized.

Personal data means any kind of information that directly or indirectly can be linked to you. The following are examples of personal data that Payer processes:

  1. Contact information – name, postal address, email address, telephone number, etc.
    2. Personal identity number
    3. Payment information – card number, invoice information, etc.
    4. Financial information – includes information on income and possible payment defaults (used in cases where there is a credit check)
    5. Item information – information about the purchases you make
    6. Historical information – information about previous purchases, how you have previously complied with the terms of payment, any rejections, etc.
    7. Information about your computer/device – IP address, language settings, browser settings, etc.
    8. Publicly available information on the internet

Personal identity numbers are used for identification and as customer numbers in Payer’s customer management system. If you have previously used Payer, Payer might hold saved data about you for the purposes of, for example, customer management, documentation requirements, or similar approved purposes. Payer will use any such information to verify your identity and to facilitate your use of Payer . Payer may also use electronic communications (communications via channels such as SMS and email) in its contacts with you. Payer may disclose information to other companies within the Payer Group, which can also use this information in the manner and for the purposes described here. For administrative purposes, data may also be disclosed to the online merchant where you made your purchase. In addition, information may be disclosed in connection with the transfer of a claim to external creditors, collection agencies, or the equivalent.

Payer may disclose information to partners who provide payment options in Payer  or other companies in the Payer Group, who may also use this information in the manner and for the purposes described here.

Your email address may be disclosed to a third party in order to be used for the electronic notification and distribution of a copy of credit data. If you choose to purchase by invoice a credit check is carried out, which means that a credit report may be ordered. In this case, you will receive a copy of the information disclosed about you. The distribution of this credit data copy is done electronically through a web portal, and login details will be sent to you via email.

The data may be used for the purposes of identification, customer surveys, newsletters, and statistics. The data may also be used for mailings by a postal service, SMS, and email. The data may further be used to analyze purchasing patterns in order to provide you with relevant information and to improve the website, payment solutions, and payment processes. Processing for the purpose of improving payment solutions and payment processes can include processing in which your personal data, including your personal identity number, will be transferred to other companies within the Payer Group and to third-party providers in order to be included as data for analysis. Personal data may also be combined together with data from other records, such as a credit data register.

Your personal identity number will also be processed in connection with purchases on behalf of (or because of requirements from) payment and credit companies that need this information for credit reference purposes. The use of the data may include combining it with other registers, both within and outside the EU, and may mean that your personal data is transferred to and processed by other companies within the Payer Group and by Payer’s partners for the above-mentioned purposes in accordance with applicable laws and regulations. The data may also be combined or be shared with government agencies or with our partners, for example for printing and distribution, as well as other payment intermediaries and credit companies for the purposes of payment or credit checks. Payer always observes all precautions on such occasions.

Payer never discloses information to an external party relating to your membership in political organizations, associations, etc. Payer processes personal data solely for the purposes of carrying out payments and improving the ease of use of Payer .

If all or part of Payer’s business operations are sold or integrated with another business, your personal data may be disclosed to our advisors, any buyer, and the buyer’s advisor and be forwarded to the new owner.

By using Payer , you agree to our use of your personal data in the way described here, including any transfer to another company or to a state outside the EU (European Union)/EES (European Economic Area), as well as to the ability to use your data for electronic communications.

How do we protect your personal data?
To keep the personal data we process secure, we have taken several security measures: we have implemented security measures and appropriate technical and organizational measures to protect your personal data, such as encryption and certification technology for web browsers; we have appropriate firewalls and anti-virus software to safeguard and prevent unauthorized access to our network; and we have limited the access to areas where the personal data is stored and require that employees identify themselves to obtain access.

Payer uses SSL (Secure Socket Layer), a protocol for secure transmission of data over the internet or other network. You, the customer, must verify that SSL is enabled in your browser settings. In order to prevent unauthorized access during the processing of your debit or credit card number, one-way encryption is also used.

Access, updates, and corrections to your personal data
You have, in accordance with applicable data protection legislation, the right to once per calendar year and free of charge obtain answers about which personal data records are processed about you, regardless of how the data were collected. If you want to receive such information, you must submit a written request to us. The request must, in accordance with current data protection legislation, be signed by you and submitted by postal mail to the address listed at www.payer.eu. It may not be sent by email. You have the right, at any time, to revoke consent to the processing of your personal data.

Cookies
Payer uses cookies. Cookies are small text files stored on a website visitor’s computer that can be used to track what the visitor is doing on the website.

There are two main types of cookies: a persistent cookie, which remains on your computer for a specified period of time, and a session cookie, which is temporarily stored in the computer’s memory while you are on a web page. Session cookies are removed when you close your web browser. Payer uses only session cookies to be able to record statistics on the use of our website and to facilitate the use of Payer . When you close your web browser, the cookie is removed.

By accepting Payer’s general terms and conditions, you agree to the processing of cookies. If you do not accept cookies, you can switch off cookies in your web browser’s security settings (more information can be found under the section “How to avoid cookies” below). You can also set your web browser so that you get a prompt each time Payer’s website tries to place a cookie on your computer. The web browser can also delete previously stored cookies; see your browser’s help pages for more information. In addition, you can manually delete cookies from your hard drive.

Note that if you choose not to accept cookies, you will not be able to make purchases using Payer. The service’s functionality can also be limited in other respects.

Browsing

When you visit payer.eu, we collect information about all visits to our website. We use this information to improve our user experience, evaluate the use of the individual elements of payer.eu and to support our marketing efforts.

Analytical tool

We use various analytical tools such as Google Analytics and Facebook pixel, which assist us in collecting statistics on the use of payer.eu to create a better experience for you and every other visitor to our website.

To determine who visits our websites, we use cookies to create demographic and user-related statistics. This gives us the opportunity to customize and create content and services that match your and other users’ interests and desires. Below are the purposes for which cookies are used at payer.eu.

Third-party cookies

Third-party cookies are used to gather statistics on visits to payer.eu; here we use cookies, for example, to know which sites our visitors comes from and how long time you spend on our website. Here we use the system Google Analytics provided by Google and Facebook pixel.

You can opt out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

Retargeting

payer.eu also works together with Google, Google Analytics and Facebook pixel to enhance our online advertisement to ensure you only are exposed to relevant ads.

Functionality

At payer.eu a number of technical cookies are in place that is necessary for handling the functionality in several areas at payer.eu. These are the cookies that are stored when you visit our website and cookies stored to keep track of number of purchases, when you click on a certain link or when you visit a certain page on our website.

How do I avoid cookies?

If you do not want to receive cookies, you can either block all cookies, delete existing cookies from your computer or receive a warning before saving cookies.

We recommend that you read our cookie policy carefully before considering making changes to your cookie settings on your computer as and read more about cookies on other websites.

A change to cookie settings may cause a degraded user experience when visiting our and other websites.

You should be aware that if you do not accept cookies, there may be functions on payer.eu that will not work.

Firefox

How to delete cookies:

Go to Tools -> Options -> Privacy -> and remove individual cookies or clear your history.

How to block cookies:

Go to Tools -> Options -> Privacy -> in drop-down menu under History select ”Use custom settings for history” -> tick ”Always use private browsing mode” and uncheck ”Accept cookies from pages ”.

Internet Explorer

How to delete cookies:

Go to Tools -> Internet Options -> General tab -> Click Delete -> Cookies-> Delete.

How to block cookies:

Go to Tools -> Internet Options -> Privacy -> Move slider to the top. This is how you block all cookies. -> Click OK.

Google Chrome

How to delete cookies:

Click on the Tools button -> Tools -> Clear browsing data -> Delete cookies and other site data -> Clear browsing data.

How to block cookies:

Click on the Tools button -> Settings -> Show Advanced Options -> Content Settings -> Click ”Block all sites from storing data” and tick the ”Block third-party cookies and site data” -> Ok

Safari

How to delete cookies:

Click on the Tools button -> Settings -> Security -> Click on ”Show Cookies”. Here you can either delete cookies from a single domain or remove all cookies.

How to block cookies:

Click on the toolbar button -> Settings -> Security -> Under ”Accept Cookies” select ”never”.

Changes, additions, and other services
Payer changes and constantly improves its services, and it reserves the right to change the Terms and Conditions for the further use of Payer . So, always carefully review the Terms and Conditions prior to each new purchase. For other services that Payer or its partners provide, Payer or Payer’s partners apply their respective prevailing terms and conditions and the price list for such services. If it turns out that a certain condition is not enforceable, this shall not affect any other conditions.

Links to or from other websites
Payer neither approves nor verifies any external or third-party website or application, and Payer is not responsible and is not liable in any way for their content. To the extent you use such a third-party website or application, the terms and conditions of that website or application apply.

Termination
Your right to use Payer  continues until one of the parties terminates it. Such termination is effective immediately but does not affect the terms and obligations of completed purchases (unpaid invoices, fees, etc.) or the right to process personal data in the manner set forth above.

Invalidity
If a court, agency, or arbitration board were to find that any provision of these Terms and Conditions is invalid or unenforceable, the provision in question and all other provisions shall be applicable and enforceable to the fullest extent permitted by law. The provisions declared to be invalid or unenforceable will be replaced by relevant legal guidance and advice.

Limitation of liability, governing law, and disputes
In addition to that which is subject to the Terms and Conditions or mandatory consumer legislation, Payer is not liable under any circumstances for any damage directly or indirectly caused by the use of Payer. Swedish law shall apply and any dispute will be resolved by a civil court.

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