GENERAL
Monrem LLC e-wallet is a trading name of the company E.P.G Global Platform Services Limited (herein referred to as “Global Platform Services” or “Company”) a company incorporated under the Law of Republic of Cyprus and operates and reduces the risk of fraud (hereinafter referred as “our”, “us”) which are committed to protecting your personal information and respecting your privacy. The compliance department has the right to ask you to provide us with information about yourself or your legal entity including your credit or debit card and/or bank account details.
The Privacy Policy with the Terms and Conditions of e-wallet services set out the basis on which any personal data, Monrem LLC should be collected from you, or which you provide to us, through our website gatewayserve.com (hereinafter the “website”) or in connection with your e-wallet account (as defined in the terms and conditions) will be processed by us. When you complete the application form, contact to our Customer Service Team or submit any details to us or using our website. Monrem LLC will collect, use and disclose your personal information very seriously and will use your information only accordance with the terms of this Privacy Policy.
Monrem LLC will not rent or sell your personal information to third parties for their marketing purposes without your explicit consent. In order for us to offer our services to our users, enhance the quality of our Services from time to time and protect the interests of our users, Monrem LLC will in limited circumstances share some of your personal information with third parties under strict restrictions, as described in more detail in the section our “Use and Disclose Information”.
Please read carefully the terms of Privacy Policy to understand our views and practices regarding your personal data, how Monrem LLC use it and how Monrem LLC will treat it in any event may appear. If you do not agree with its Privacy Policy, please do not use our e-wallet services. By accepting the privacy policy at registration, you expressly consent to our use and disclosure of your personal information and direct us to do so in manner as described in Privacy Policy.
CHANGES TO E-WALLET PRIVACY POLICY
In future changes, Monrem LLC makes to this terms of Privacy Policy will be posted on this website. Any new Privacy Policy will be effective from the time that it is posted on this page. Monrem LLC reserves the right to make changes to our Privacy Policy at any time, without notice, where such change is required by Cyprus and EU law. In any case, Monrem LLC makes any material changes to the way your personal data are used, then Monrem LLC will notify you by email prior to the change becoming effective. You may object to any new use or change in use of your personal data by contacting to our Customer Service Team. Monrem LLC will treat such objection as a notice to terminate your e-wallet account which be closed in accordance with the terms and conditions of e-wallet account.
INFORMATION MONREM LLC COLLECTS
To open an e-wallet account or use the website gatewayserve.com, you must provide us with the following data about you:
Monrem LLC may requested your full name, address (utility bill), email address, telephone number, any proof of your identity or passport, date of birth and bank or payment card details.
Monrem LLC may also ask you to choose a security question to answer. This required information which is necessary for us to process transactions, issue new password, if you forget or lose your existing password, protect you against credit card fraud and current account fraud and contact you should the need arise in administering your e-wallet account or gatewayserve.com.
Monrem LLC will also require other commercial and/or identification information if you send or receive certain high-value transactions or high overall payment volumes through the gatewayserve.com or as is otherwise required in order for us to comply with our anti-money laundering obligations under Cyprus law and generally under English and European law.
If Monrem LLC allows you to link your membership of an eligible loyalty scheme to your e-wallet account, then it may requires you to provide to us your loyalty scheme membership ID.
TRANSACTION INFORMATION
When you use the Monrem LLC e-wallet to send money to someone else or request money from someone else, Monrem LLC has the right to ask you to provide information related to this transaction. This information includes the amount and type of the transaction (purchase goods, purchase of services or simple money transfer), other purchase details and the email address, or phone number of third parties.
When you send money to another Monrem LLC Customer, you may be asked to provide personal details to that customer to complete the transaction. Those details may also be passed on to us from that customer. Monrem LLC retain this information for each of your transactions through Monrem LLC Services and may add this information for each of your transactions that you may make with us.
Monrem LLC may also collect the internet address (IP address) and other identifying information about the computer or device, you used to access your e-wallet account or use the Monrem LLC Services, in order to help detect possible instances of unauthorized transactions.
HOW MONREM LLC USES YOUR INFORMATION
Monrem LLC uses information held about you in the following ways:
To operate and administer your e-wallet account and to provide Services that you have requested, to carry out your instructions, to make and receive payments and undertake transactions using our e-wallet services, including verification that you have sufficient funds in your nominated bank account to make such payments.
To allow you to participate in interactive features of this website, to notify you about changes to our gatewayserve.com, to improve our internal customer training, to comply with financial services regulations including retention of financial information and transactions, or for financial and identity checks, fraud prevention checks, anti-money laundering and credit checks, or for customer service, including answering questions and responding to feedback and complaints.
To enhance the security of our services to ensure that content on our Monrem LLC E-Wallet website is presented in the most effective manner for you and for your computer and to provide you with information, products or services that you request from us or which gatewayserve.com feels may interest to you.
PRIVACY POLICY FOR CHILDREN
Children are not eligible to use our e-wallet account and Monrem LLC asks that minors (under the age of 18) do not submit any personal information to us or use the gatewayserve.com.
ADDITIONAL VERIFICATION
If Monrem LLC cannot verify the information that you provide, or if you request a withdrawal by cheque to an address other than your verified credit card billing address, Monrem LLC may ask you to upload or send us additional information by email, or to answer additional questions online to assist you to verify your information.
WEBSITE TRAFFIC INFORMATION
Because of the way internet communication standards work, when you arrive at or leave our e-wallet website, Monrem LLC automatically receive the web-address of the site that you came from or are going to. Monrem LLC may also collects information on which pages of our websites you visit, IP address that type of browser you use and times you access our website. Monrem LLC uses this information to try to understand our customers' preferences better and to manage the load on our e-wallet services, so as to improve our e-wallet services and your experience with Monrem LLC e-wallet.
COOKIES, WEB BEACONS AND LOCAL STORAGE
Cookies are small pieces of data that the site transfers to the User's computer hard drive when the user visits the website. Our website uses only session cookies which are erased when the user closes the web browser. The session cookie is stored in temporary memory and is not retained after the browser is closed. Session cookies do not collect information from the user's computer. They will typically store information in the form of a session identification that does not personally identify the user.
When you visit or interact with our sites, services, applications, tools, advertising and messaging, Monrem LLC or our authorized service providers may use cookies, web beacons and other similar page is designed to assist you to understand more about these technologies and our use of them on our sites and in our services, applications and tools.
Monrem LLC offers certain site features, services, applications, and tools that are available only through our use of these technologies. You are always free to block, delete, or disable these technologies if your browser or device so permits. However, if you decline cookies or other similar technologies, you may not be able to use certain site features, services, applications or tools. You may also be required to re-enter your password more frequently during a session. For more information on how you can block, delete, or disable these technologies, please review the Help section of your browser, add-on, application, or device.
CUSTOMER SERVICE CORRESPONDENCE
If you send us correspondence, including email or phone number, Monrem LLC retains such information in the records of your e-wallet account. It will also retains customer service correspondence and other correspondence from Monrem LLC to you. It also retain those records in order to keep records of our relationship, to measure and improve our Customer Service and to investigation potential fraud and violations of our privacy policy. Monrem LLC may, over time, delete those records if permitted by law.
RECIPIENTS WITHOUT REGISTERED E-WALLET ACCOUNT AND REQUESTS
When you are registered as a Monrem LLC user that either sends a payment to or requests a payment from, an individual who is not registered as a Monrem LLC User, then the Company will retain information that the registered Monrem LLC User submits to us, including, for example, the other party's email address, phone number and/or name, for the benefit of the registered Monrem LLC's User who is attempting to contact to other party, so that the registered Monrem LLC's user can see a complete record of his/her transactions, including uncompleted transactions. Although this information is stored for a certain period of time, Monrem LLC will not market to the non-registered person in any way at any time. Additionally, persons have the same rights to access and correct information about themselves as anyone else who uses gatewayserve.com Services.
MARKETING
Monrem LLC may combines your information with information we collect from other companies and use it to improve and personalize the gatewayserve.com. If do not wish to receive marketing communications from us or participate in our ad-customization programs, simply log in to your e-wallet account, select My account, Profile and then My Account settings and update your Communication preferences or follow the directions provided with the communication or advertisement.
DISCLOSURE TO OTHER MONREM LLC'S CUSTOMERS
If you are a registered Monrem LLC's User, your full name, email address, phone number, date sign-up, the number of payments you have received from verified Monrem LLC's User and whether you have been verified to have control of a bank account are made available to other Monrem LLC customers whom you have paid or senders who are attempting to pay you using the Monrem LLC Services. If you are a business account holder, Monrem LLC will also display to other Monrem LLC customers the website address and customer service contact when you are use there third parties to access through the gatewayserve.com.,
Your credit card number, bank account and other financial information will not be reveled to anyone whom you have paid or who has paid you through the gatewayserve.com or third parties that use the gatewayserve.com, except with your express permission or if we are required to do so pursuant to credit card rules, a court order or other legal process.
Monrem LLC works with third parties including merchants to enable them to accept or facilitate payments from or to you using the gatewayserve.com. In doing so, third party may share information about you with us such as your email address or phone number, when a payment is sent to you or when you are attempting to pay that third party. It your responsibility to provide to the correct information of the third party and to have a successful transaction.
Monrem LLC uses this information to confirm that you are a Monrem LLC customer and that Monrem LLC can be enabled to make a payment, or where a payment is sent you a notification that you have received a payment. Please note that third parties you buy from and contract with may have their own privacy policies, then Monrem LLC is not responsible for their operations, including but not limited to their information practices. By accepting the terms of privacy policy, you expressly agree and consent that each time you pay or attempt to pay another Monrem LLC customer or merchant using your e-wallet account, Monrem LLC may transfer the aforementioned relevant data to such Monrem LLC customer, who may be located outside the European Union, in order to process, execute or otherwise deal with and provide information about the payment.
If you open an e-wallet account directly on a third party website or via third party application, any information that you enter on that website or application (not directly through gatewayserve.com) will be shared with the owner of such third party website or application and your information may be subject to their privacy policies.
Monrem LLC will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent and will only disclose this information in the limited circumstances and for the purposes described in this privacy policy. This includes transfers of data to non-EU member states too.
Monrem LLC will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent and will only disclose this information in the limited circumstances and for the purposes described in this privacy policy. This includes transfers of data to non-EU member states too.
- Disclose information including, without limitation, transaction information, account information, personal information and the contents of communications to: the police; security forces; competent governmental, intergovernmental or supranational bodies; competent agencies (other than tax related authorities), departments, regulatory authorities, self-regulatory authorities or organization (including, without limitation, the Agencies set out in the table under the heading "Agencies" below); and other third parties, including Group companies, that we in good faith believe it is appropriate for us to cooperate with in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement (including without limitation, your funding source or credit or debit card provider). If false or inaccurate information is provided by you and fraud is identified, details will be passed by us to fraud prevention agencies and law enforcement agencies may access and use that information. We and other organizations may also access and use (including from other countries) this information and the information recorded by fraud prevention agencies to prevent fraud and money laundering.
- Disclose information in response to the requirements of the credit card associations or a civil or criminal legal process.
- If you as a merchant use a third party to access or integrate Monrem LLC and may discloses to any such partner the status of your Monrem LLC e-wallet integration, whether you have an active e-wallet account and whether you may already be working with a different Monrem LLC e-wallet integration partner.
CONTACT WITH MONREM LLC CUSTOMER
Monrem LLC communicates with our users on a regular basis via email to provide requested services. Monrem LLC also communicates with our users by phone or by email:
To resolve customer complaints or claims made by users via Monrem LLC Services,
To respond to requests for customer service,
To inform users if Monrem LLC believes their e-wallet accounts or any f their transactions have been used for an illegitimate purposes,
To confirm information concerning a user's identity, business or account activity,
To investigate suspicious transactions
Monrem LLC uses your email or physical address to confirm your opening of an e-wallet account, to send you notice of payments that you send or receive through Monrem LLC, to send you information about important changes to our products and services, and to send notices and other disclosures required by Cyprus and EU Law.
Users cannot opt out of these communications, although they will be primarily informational in nature than promotional. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your e-wallet account under the website of gatewayserve.com. In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate.
ACCESSING AND CHANGING YOUR INFORMATION
You can review the personal information you have provided us and make any desired changes to such information, or to the settings for your E-Wallet Account, at any time by logging in your e-wallet account under the website of gatewayserve.com.
If you chose your e-wallet account, we will mark your e-wallet account in our database as “closed”, although will keep your e-wallet account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new e-wallet account.
If you close your e-wallet account, your personality identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by English Law.
CONTACT US
Questions, comments and requests, or you ask for more information regarding this Acceptable Privacy Policy are welcomed and should be addressed to our Customer Support Team through the below email: customer.service@monrem.ge