1.0 Introduction

This Privacy Policy outlines the methods through which we gather, utilize, store, share,and safeguard personal data obtained from our customers and related partners interacting without Services when you use our website. Novac Payments Solutions Limited ("Novac," "Company," "we," "us," or "our") provides an online payment platform designed to simplify the process for our customers and related partners to receive electronic payments from Customers. We prioritize the privacy of our customers utilizing our website and associated sites, applications, services, and tools,collectively referred to as "Services." We collect, utilize, store, share, and safeguard your data across our website, APIs, applications, email notifications, and tools, irrespective of the manner in which you use or access them.

2.0 Overview

Our Privacy Notice applies only to our website and not to other linked websites. For example,we link to our accounts on a number of social media platforms such as Facebook, Twitter,LinkedIn, Instagram, Pinterest and YouTube. We are not responsible for the privacy policies or content on third-party websites and encourage you to read the privacy notices of other websites you visit by becoming a customer, you acknowledge and agree to abide by this Privacy Policy when you register for, access, or utilize our products, services, content, features, technologies, or functions provided on our website, as well as all associated sites, applications, and services collectively referred to as "Novac Payments Services."This Privacy Policy is designed to regulate the utilization of Novac Payments Services by users,including but not limited to those incorporating these services into their daily trade, practice, or business activities, unless explicitly specified otherwise in a contractual agreement. Users retain the right to exercise their data protection rights outlined in the Customer Data Protection Rights.

3.0 Information We Collect

Novac collects the following data: Personal identification data you directly provide Name, email address, phone number, postal address, function/position, organization, country of residence and other relevant information depending on the context.Data generated by your activity: Log information such as Internet protocol (IP) address,navigation behavior through the website, device and software used, the time/date/duration of your visit, and other similar information and parameters related to your operating system and computer environment.

3.1 How Do We Collect Your Data

Customers data is collected electronically when they visit our website and register to use any of our services. This is collected electronically with exchanges between your system (Computer,Server, Mobile Device) or service provider’s system and our system.We may collect Customers’ data manually when they complete our product and services registration forms in registering to use any of our services. Similar data are also collected when customers or visitors’ visit physical locations for enquiries or business relationships. We collect information from or about customers from other sources, such as through your contact with us, including our Customer Support interfaces.We may also collect data and process data when you:

•   Register for events, subscribe to newsletters, Email, portal, phone calls, social media and other communication channels
•   Customer response to surveys or provide feedback on any of our message boards
•   Use or view our website via your browser's cookies
•   Contact us for any other reason

3.2 How We Use Your Information

We gather personal information to ensure that users of our services enjoy a secure, seamless,efficient, and personalized experience. Additionally, the collected information serves various purposes, including providing Novac Payment Services and customer support, processing transactions, verifying identity during account creation and password resets, resolving disputes,collecting fees, troubleshooting issues, managing risk, and detecting, preventing, or remediating fraud or other potentially prohibited or illegal activities. Our collection of personal information also aims to enhance services by tailoring your user experience, assessing the performance of Novac Payment Services, improving content and layout, managing and safeguarding our information technology infrastructure, delivering targeted marketing and advertising, providing service updates, and offering promotional deals based on your communication preferences. We may contact you through various electronic means to notify you about your account, troubleshoot account issues, resolve disputes, collect owed fees, conduct surveys, or provide information about Novac Payment services. Moreover, we may reach out to you for necessary reasons such as enforcing our policies,complying with applicable laws, or fulfilling agreements with you. In cases where we contact you by phone, we may use autodialed or pre-recorded calls and text messages to reach you efficiently, with your consent. You also have the option to decline certain communications where applicable and permitted by law.

3.3 How We Protect Your Information

We implement suitable technical and organizational safeguards to deter any loss, unauthorized access, misuse, alteration, or disclosure of information within our purview. These measures may encompass the deployment of encryption, access controls, and other security protocols to safeguard your data. We mandate adherence to pertinent policies and guidelines for all involved parties, including our personnel and third parties handling data on our behalf, to guarantee the protection of information during its use, storage, and transmission.

4.0 Where We Store Your Information

All Personal Information provided by you is securely stored on our servers, as well as in secure cloud infrastructure. This storage is essential for delivering seamless services to you and ensuring business continuity. When transferring your information to other locations, Novac Payment takes all necessary measures to guarantee secure handling in accordance with this privacy policy. We employ various protective measures, including firewalls and data encryption, as well as physical access controls to our data centers and controls for authorization to access information. Additionally, we have implemented measures to ensure that our system aligns with established industry information security standards.

4.1 Duration of Information Storage

We retain your data for the necessary duration corresponding to the purpose(s) for which it was collected. The storage period is also influenced by legal, regulatory, administrative, or operational requirements. We only keep information essential for compliance with legal and regulatory requests, meeting business and audit needs, responding to complaints and queries, and addressing disputes or claims. Data that is no longer required for its initial purposes is securely destroyed.

5.0 Data Security

Our customers possess data protection rights and are eligible for the following:

•   The right to access - Customers can request copies of their personal data.
•   The right to rectification - Customers can request corrections to inaccurately captured information and completion of incomplete data.
•   The right to erasure – Customers can request Novac Payments to erase their personal data under specific conditions, which include regulatory requirements, law enforcement agency requests, or potential disruption to our system.
•   The right to restrict processing – Customers can request Novac Payments to limit the processing of their personal data under certain conditions.
•   The right to object to processing – Customers can object to Novac Payment processing of their personal data under specific conditions.
•   The right to data portability – Customers can request Novac Payment to transfer the collected data to another organization or directly to them under certain conditions.

6.0 Protecting Children Privacy

Protecting children's privacy is essential to us. Novac’s services and applications are not directed at persons under the age of eighteen (18) and we do not collect any Personal Data knowingly or directly from individuals who fall within this category. We never knowingly collect their personal information without parental or legal guardian consent. Where you have any belief that Novac has mistakenly or unknowingly collected information from a minor, please contact us to enable us to investigate and restrict such data collection.

7.0 Links to third party- websites

We may also obtain information about you from third parties such as credit bureaus and identity verification services.

8.0 Cookies

While browsing our website to explore our products and services and access the provided information, both our own cookies and those from third parties are employed. These cookies serve various purposes, including facilitating website functionality, gathering valuable insights about visitors, and enhancing your overall user experience. Certain cookies are deemed strictly necessary for the proper functioning of our website, and for these, we do not seek your consent before placing them on your computer. The specific cookies falling under this category are listed below.

9.0 Policy Update

We regularly assess our privacy policy, especially in the presence of significant changes to business operations or regulatory requirements. At a minimum, an annual review will take place, and updates will be communicated through various channels such as newsletters, our website, and social media accounts

10.0 Contact Details

Customers who have concerns, questions about privacy policy or would like to exercise their protection rights can contact us through the following channels: Email us at: Novacpaymentsolutionltd@gmail.com