Privacy Policy

1. Introduction

Handl, a brand by Verso Network AG and all relevant subsidiaries and affiliates (collectively “Handl” or “we”/”us”/”our”) are committed to safeguarding your right to privacy and your Personal Data.
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This Privacy Notice describes how we handle and treat your Personal Data when we provide our services, when we process your job application, when you visit our website, or when we interact with you in other ways (collectively “Services”).
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“Personal Data” is any information which can be used to identify you or from which you are identifiable. This includes but is not limited to your name, nationality, telephone number, bank and credit card details, email address, date of birth, as well as government-issued identification numbers.

Our privacy policies and practices are aligned with privacy regulations worldwide, and ensures that we are compliant with the EU and UK General Data Protection Regulations (“GDPR”), Singapore’s Personal Data Protection Act (“PDPA”), as well as other privacy regulations.

2. Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “Handl Services”). This Privacy Policy is intended to govern the use of Handl Services by our users (including, without limitation those who use the Handl Services in the course of their trade or business) unless otherwise agreed through contract. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date.

3. Collection of your Personal Information

We will ask you when we need information that personally identifies you (personal information) or allows us to contact you to provide a service or carry out a transaction that you have requested such as receiving information about Handl products and services, ordering e-mail newsletters, joining a limited-access premium site or service, or when purchasing, downloading and/or registering for Handl products or services. The personal information we collect may include your name, title, company or organization name, e-mail, phone, work or home address, information about your job function, information about your company, and account information (cards, e-wallets, crypto addresses, etc.) or other information.

The Site may collect certain information about your visit, such as the name of the Internet service provider and the Internet Protocol (IP) address through which you access the Internet; the date and time you access the Site; the pages that you access while at the Site and the Internet address of the Web site from which you linked directly to our site. This information is used to help improve the site, analyse trends and administer the site.

Information you provide to us: We may collect and store any information you provide us when you use Handl Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding Handl Services. When you use Handl Services, we also collect information about your transactions and your activities. In addition, if you open a Handl account or use Handl Services, we may collect the following types of information:

Contact information, such as your name, address, phone, email and other similar information.

Financial information, such as the full bank account numbers, e-wallet, or crypto detail that you link to your Handl account or give us when you use Handl Services.

Detailed personal information such as your date of birth, national ID number or information about your social media accounts (e.g., X/Twitter or Instagram username).

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the Handl corporate family.

Information from other sources: We may also obtain information about you from third parties such as identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Instagram). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your Handl account and authorizing Handl to have access to this information, you agree that Handl may collect, store and use this information in accordance with this Privacy Policy.

Using Your Mobile Device: We may offer you the ability to connect with Handl Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices. When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s setting’s menu. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.

4. Use of your Personal Information

We may use Personal Data and other information for our legitimate and reasonable business purposes, to the extent permitted by applicable law.

5. Marketing

Handl occasionally hires other companies to provide limited services on our behalf, such as Web site hosting and sending information about our products, special offers, and other services. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of the information and are prohibited from using that information for any other purpose.

6. Share Personal Information with Other Third Parties

We may share your personal information with third parties you access through Handl services and members of the Handl corporate family to provide joint content, products, and services (such as customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications.

Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Handl or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement; and act in urgent circumstances to protect the personal safety of Handl employees or agents, users of Handl products or services, or members of the public. Personal information collected on the Site may be stored and processed in Switzerland, the European Union or any other country in which Handl or its affiliates, subsidiaries or agents maintain facilities, and by using the Site, you consent to any such transfer of information outside of your country.

Control of your Personal Information Except as otherwise described in this statement, personal information you provide on the Site will not be shared outside of Handl unless it is required to provide the requested service.

Please be aware that this privacy statement and any choices you make on the Site will not necessarily apply to personal information you may have provided to Handl in the context of other, separately operated, Handl products or services.

Handl may send out periodic e-mails and messages to your social accounts informing you of technical service or security issues related to a product or service you requested, or confirming you requested a product or service. In some services offered at handlpay.com, contact with the customer is an intrinsic part of the service. You will not be able to choose to unsubscribe to these mailings, as they are considered an essential part of the service(s) you have chosen.

7. Your Privacy Rights and Choices

You have choices regarding our use and disclosure of your personal information:

Opting out of receiving electronic communications from us. If you no longer want to receive marketing-related emails from us, you may opt out using the unsubscribe link included in emails or by responding with your intent to unsubscribe. We will try to comply with your request(s) as soon as reasonably possible. Do note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages that are required to provide you with our services;
How you can see or change your personal information. If you would like to review, correct, or update personal information that you have previously disclosed to us, you may do so by logging in to your account or by contacting us.
Your data protection rights. Depending on your location and subject to applicable law, you may have the following rights with regard to the personal information we control about you:
- The right to request confirmation of whether Handl processes personal information relating to you, and if so, to request a copy of that personal information.
- The right to request that Handl rectifies or updates your personal information that is inaccurate, incomplete or outdated.'
- The right to request that Handl erase your personal information in certain circumstances provided by law.
- The right to request that Handl restrict the use of your personal information in certain circumstances, such as while Handl considers another request that you have submitted (including a request that Handl make an update to your personal information).
- The right to request that Handl export to another company, where technically feasible, your personal information that we hold in order to provide services to you.

Where the processing of your personal information is based on your previously given consent, you have the right to withdraw your consent at any time. You may also have the right to object to the processing of your personal information on grounds relating to your particular situation.

Process for exercising data protection rights. In order to exercise your data protection rights, you may contact us as described in the Contact Information section below. We take each request seriously and will comply with your request to the extent required by applicable law. We will not be able to respond to a request if we no longer hold your personal information. For your protection, we may need to verify your identity before responding to your request.

8. Security and Retention of your Personal Information

Handl is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer servers with limited access that are located in controlled facilities. Additionally, when we transmit sensitive personal information (such as a credit card number) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

We retain your personal information as long as we are providing services to you. We retain personal information after we cease providing services directly or indirectly to you, even if you close your Handl account or complete a transaction with a Handl partner or merchant, to the extent necessary to comply with our legal and regulatory obligations. We also retain personal information to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners. Where we retain data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.

9. Protection of Children’s Personal Information

Handl's services are not directed to individuals under the age of eighteen and we request that they not provide personal information through our services.

We retain your personal information as long as we are providing services to you. We retain personal information after we cease providing services directly or indirectly to you, even if you close your Handl account or complete a transaction with a Handl partner or merchant, to the extent necessary to comply with our legal and regulatory obligations. We also retain personal information to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners. Where we retain data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.

10. Use of Cookies

We may use cookies on this Site to ensure the integrity of the registration process and to personalize the Site. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. This simplifies the process of delivering relevant content, eases site navigation, and so on. When you return to the Web site, the information you previously provided can be retrieved, so you can easily use the site’s features that you customized. Web beacons, also known as clear gif technology, or action tags, may be used to assist in delivering the cookie on our site. This technology is a tool we use to compile aggregated statistics about handlpay.com Web site usage, such as how many visitors clicked on key elements (such as links or graphics) on a handlpay.com Web page, blog, newsletter. We may share aggregated site statistics with partner companies.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of this or other Web sites you visit.

11. Contact Information

If you have any questions about this Privacy Policy, our privacy practices, the data we hold on you, or you would like to exercise any of your rights to your Personal Data, please do not hesitate to email us at dpo at handlpay dot com.