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UAB DUCAT PAYMENTS Privacy Policy
UAB Ducat Payments, places its members at the core of our platform, aiming to build enduring relationships founded on transparency and trust. This privacy policy provides information on how UAB Ducat Payments and B4B Payments collect and process your personal data through your use of this website, including any data you may provide when processing payments, managing your account, communicating with our Client Managers, or during the onboarding process. It is essential that you read this privacy policy along with any other privacy policy or fair processing policy we may provide on specific occasions when we collect or process personal data about you. This ensures you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them.
UAB DUCAT PAYMENTS and B4B Payments as Your Data Controller
For B4B Payments' privacy policies, please view them here: https://www.b4bpayments.com/prepaid/privacy/ B4B Payments is the Data Controller for financial services, meaning they are responsible for your personal data processed in relation to your use of products and services accessible via the UAB Ducat Payments Platform. When you receive services via the UAB Ducat Payments Platform, they collect, process, use, and are responsible for certain personal data about you. They are regulated under applicable laws on data protection, privacy, and electronic communications, including but not limited to The Data Protection Act 2018 (the “DPA 2018”), the United Kingdom General Data Protection Regulation (the “UK GDPR”), The Privacy and Electronic Communications Regulations (“PECR”), and the EU GDPR.
When We Are a ‘Data Processor’
When using some of our services and products, B4B Payments is a Data Controller, meaning B4B Payments process personal data solely for providing the client Products and Services. When you engage with UAB Ducat Payments Products and Services or those of our partners, involving your provision of your employee, customer, or other third-party personal data, UAB Ducat Payments will act as a Data Processor. We will inform you if you are using UAB Ducat Payments Products and Services for which you are a ‘Data Controller’ and where you shall review and enter into a Data Processing Agreement (‘DPA’) with us. By using those services, you will be deemed to have read, reviewed, and agreed to our DPA with you.
Personal Data We Collect
We collect personal data for various reasons, including to meet our legal obligations, manage our operations, improve our business, and deliver our services and products to you. Below is a list of types of personal data that we may collect and use when you apply for or use any of our products or services:
Contact information
Your name, addresses, email addresses, phone numbers, and other ways to contact you. Managing our relationship with you or your business. Communicating with you about our and our business partners’ products and services. Delivering the UAB Ducat Payments Products and Services to you, including facilitating your use of different UAB Ducat Payments Services via single sign-on. Developing and carrying out marketing or business development activities.
Transactional Information
Details about transactions you carry out and payments to and from your accounts with us. Making and managing customer payments. Delivering our and our business partners’ products and services. Managing fees, charges, and interest due on customer accounts. Collecting and recovering money owed to us.
Contractual
Details about the products or services we provide to you. Carrying out our obligations arising from and exercising our rights set out in our contracts. Collecting and recovering money owed to us. Operating our business efficiently and properly, including managing our financial position, business capability, planning, and audit.
Locational
Data about where you are, including IP address assigned to your mobile phone or computer when you connect to the internet, and locations where you used your UAB Ducat Payments payment card or postcodes. Delivering our and our business partners’ products and services. Identifying, investigating, reporting, and preventing fraud, security breaches, money laundering, and other crime.
Behavioural
Details about how you use products and services offered on the UAB Ducat Payments Platform from us and other organizations. Studying how our Members use products and services from us and other organizations. Delivering more personalized user experiences to our Members. Developing and carrying out marketing or business development activities.
Technical
Details on the devices and technology you use, such as your website browser settings and marketing choices. Delivering our products and services to you. Delivering our and our business partners’ products and services. Identifying, investigating, reporting, and preventing fraud, money laundering, and other crime. Developing and carrying out marketing or business development activities.
Communication
Any emails, calls, or other communications you’ve sent to us or we’ve sent to you. Investigating and responding to your inquiries, complaints, and feedback.
Public and Third-Party Records
Details about you in public records, such as the Electoral Register, Companies House, or similar local databases, and data publicly available on the internet. We also collect data about you from other companies, such as credit reference or fraud protection agencies like the CIFAS register. Identifying, investigating, reporting, and preventing fraud, money laundering, and other crime. Registering you with a UAB Ducat Payments account. Developing and carrying out marketing or business development activities.
Usage Data
Data about how you use our products and services. Studying how our Members use products and services from us and other organizations. Testing new products. Managing how we work with other companies that provide services to us and our Members.
Documentary Data
Details about you stored in documents in different formats or copies of them. This could include your passport, driver’s license, photographs, or birth certificate. Identifying, investigating, reporting, and preventing fraud, money laundering, and other crime. Complying with laws and regulations.
Consents
Permissions, consents, or preferences that you give us. Knowing your preferences regarding marketing, automated decision-making and profiling (based on your consent), cookies, and other relevant processing activities you can opt-out of. Developing and carrying out marketing or business development activities.
Special Category Data and Criminal Offence Data
Categories of data defined as ‘special category’ or ‘sensitive’ by applicable laws, including personal data related to your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union members, genetic data, biometric data, health, sex life, or sexual orientation. We may also process data about your criminal offence history, including health data (such as disability data), biometric data (photos of you), and racial or ethnic origin. Understanding our community and the types of Members we work with, including ethnicity, gender, and health. Operating our business properly, including corporate responsibility.
Your Customer or Employee
Data you provide about your employees or customers, including contact details and personal details (e.g., name, date of birth, bank account information) in our capacity as your data processor. Delivering our and our business partners’ products and services to you.
How Do We Collect Your Data?
We use different methods to collect data from and about you, including through:
What Do We Do With Your Data
We will only use your personal data for the purposes mentioned in this policy. Most commonly, we will use your personal data in the following circumstances:
You have the right to withdraw consent to marketing at any time by contacting us.
How Long Will We Keep Your Data?
We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including satisfying any legal, regulatory, tax, accounting, or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation concerning our relationship with you. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting, or other requirements. In some circumstances, you can ask us to delete your data. In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
Third Parties / External Third Parties
Service Providers: These are entities based in the United Kingdom or the European Union that act as processors. They provide IT, system administration, identification, and two-factor authentication services.
Professional Advisers: These include lawyers, bankers, auditors, and insurers based in the United Kingdom and the European Union. They act either as processors or joint controllers and provide consultancy, banking, legal, insurance, and accounting services. Government Authorities: Entities such as HM Revenue & Customs, regulators, and other authorities based in the United Kingdom and the European Union may act as processors or joint controllers. They require reporting of processing activities in specific circumstances.
Credit Reference Agencies: In cases where it is necessary to assess your creditworthiness, we may engage third-party credit reference agencies.
Partners: Entities like Payment Card Solutions (UK) Limited, registered as co reg. 05941947, UAB B4B Payments Europe registered in Lithuania with company code 305539054.
Cookies and Other Tracking TechnologiesWe may use cookies to distinguish you from other users when you visit Our Website. This helps us improve your experience, enhance our products and services, ensure website security, and deliver relevant advertising content. A cookie is a small file stored on your browser or device's hard drive containing letters and numbers.
We use the following types of cookies:
Strictly Necessary Cookies: Essential for the operation of our products or services, enabling you to log into secure accounts and use interactive features. Analytical/Performance Cookies: These allow us to recognize and count the number of visitors and understand how they use our products or services. This helps us improve functionality by ensuring users find what they need easily. Functionality Cookies: These help us recognize you when you return to Our Website, allowing us to personalize content, greet you by name, and remember your preferences (such as language or region). Targeting Cookies: Record your visit to Our Website, pages visited, and links followed. This data helps us make our products and services more relevant to your interests. We may share this information with third parties for advertising purposes, sometimes acting as joint controllers with platforms like social media. For detailed information on specific cookies we use, please refer to our cookie policy.
You can manage cookie preferences by adjusting settings in your browser to refuse some or all cookies. Most browsers provide tools to control cookie behavior through options like 'settings', 'preferences', or 'help'. However, blocking essential cookies may restrict access to parts of the UAB DUCAT PAYMENTS Platform.
How to Withdraw Consent or Opt-Out of Processing
You have the right to withdraw consent for data processing at any time. Contact us at contact@ducatglobal.com. if you wish to do so, affecting data processing based on consent. Refer to 'Your Rights' for details, including restricting data usage.
You may opt out of specific data processing activities, such as:
If you withdraw consent, we may be unable to provide certain products or services. We will inform you accordingly and offer the option to reinstate consent to access our offerings.
Ensuring Data Accuracy
We strive to maintain accurate, complete, and up-to-date personal data. Please promptly update any changes through the UAB Ducat Payments Platform or by contacting us using the details provided in this Privacy Policy.
Security of Your Data
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
Your Legal RightsUnder certain circumstances, you have rights under data protection laws regarding your personal data. These include the right to:
If you wish to exercise any of the rights set out above, please contact us at contact@ducatglobal.com
EU Limitation of Liability To the fullest extent permitted by applicable law, Ducat shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the services; (ii) any unauthorized or illegal access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from our services; (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our services by any third party; or (v) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the services.
Applicability of Service Provider’s Terms All payment services advertised herein (Ducat website and portal) are provided by B4B Payments and B4B Payments Europe through Ducat. By using the payment services provided on the Ducat portal, you agree that the Terms and Conditions of B4B (available below) shall apply to and govern your use of the services rendered by Ducat. You acknowledge that you have read, understood, and agree to be bound by these terms in addition to those contained herein. Any amendments or updates to these terms by B4B or Ducat will also be applicable to you, and no prior intimation of any change or amendments will be necessarily communicated to you.
Client Terms & Conditions: For users of B4B Payments EU expense and incentive products located in the EU.For recipients of funds using B4B Payout and Payroll products located in the EU.