Last updated on July 29, 2021
3.1 Technical Risk. While the PayerMax Service has been extensively tested and PayerMax maintains technology-risk management and business-continuity arrangements, the PayerMax Service may experience unforeseen outages or bugs beyond PayerMax’s reasonable control. Should this occur, PayerMax will take remedial steps to restore functionality as promptly as practicable.
3.2 Risk of Reliance on Third Parties. The PayerMax Service relies, in whole or partly, on third-party software and the continued development and support of third parties. There is no assurance or guarantee that those third parties will maintain their support of their software, which might have a material adverse effect on the PayerMax Service.
3.3 Regulatory Risk. While every effort has been taken to ensure that the PayerMax Service are compliant with local laws, it is difficult to predict how or whether regulatory agencies may apply existing regulation with respect to the PayerMax Service. It is likewise difficult to predict how or whether legislatures or regulatory agencies may implement changes to law and regulation affecting PayerMax Service. Regulatory actions could negatively impact PayerMax in various ways, and thus the PayerMax Service may not be available to users in certain jurisdictions.
3.4 Taxation Risk. It is possible that your intended treatment of the PayerMax Service may be challenged by tax authorities. You must seek your own tax advice in connection with the PayerMax Service provided by PayerMax, which may result in adverse tax consequences to you, including, without limitation, withholding taxes, transfer taxes, value-added taxes, income taxes and similar taxes, levies, duties or other charges and tax reporting requirements.
4.3 Unless you have been expressly authorised to do so in writing by PayerMax, you agree that in using the PayerMax Service, you will not use any trade mark, service mark, trade name, logo of any company or organization in a way that is likely or intended to cause confusion about the owner or authorised user of such marks, names or logos.
5.2 Loss and Compromise. Any loss or compromise of your electronic device or your security details may result in unauthorised access to your PayerMax account by third parties and the loss or theft of stored value held in your PayerMax account and any associated accounts, including your account(s) with any third-party payment portal(s) and linked bank account(s) and credit card(s). You must keep your security details safe at all times. For example, you should not write them down or otherwise make them visible to others.
5.3 Shared Access. You should never allow remote access or share your computer screen with someone else when you are logged on to your PayerMax account. PayerMax will never under any circumstances ask you for your passwords or to screen-share or otherwise seek to access your computer or PayerMax account. You should not provide your details to any third party for the purposes of remotely accessing your PayerMax account. Always log into your PayerMax account through the Site to review any required actions if you have any uncertainty regarding the authenticity of any communication or notice.
5.4 Security Breach. If you suspect that your PayerMax account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or PayerMax (together a “Security Breach”), you must notify PayerMax as soon as possible (using the contact details under “General Provisions” below) and continue to provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce, manage or report any Security Breach. Failure to provide prompt notification of any Security Breach may be taken into account in our determination of the appropriate resolution of the matter.
5.5 Safety and Security of Your Computer and Devices. PayerMax is not liable for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus-screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks, and you should use care in reviewing messages purporting to originate from us.
6.2 Suspension. PayerMax may suspend and restrict your access to any or all the PayerMax Service if:
6.3 No advice. PayerMax makes no representation or warranty, express or implied, to the extent not prohibited by applicable laws, regarding the advisability of using any of the PayerMax Service. The past performance of the PayerMax Service is not a guide to future performance. PayerMax does not offer fiduciary services and is not your agent, advisor or fiduciary.
6.4 Not an Offering. The content of the Site and the PayerMax Service do not constitute an offer to buy or sell or a solicitation of an offer to buy or sell investments, securities, partnership interests, commodities or any other financial instruments; the content or the Site and the Services also do not constitute, and may not be used for or in connection with, an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorised or permitted, or to any person to whom it is unlawful to make such offer or solicitation.
7.1 Limitation on Liability. Subject to the overall provisions stated above, you expressly understand and agree that in no event shall PayerMax, its affiliates, and its or their licensors or service providers be liable to you for:
7.2 In the event of any jurisdiction does not allow limitations on implied warranties or the exclusion or limitation of certain damages, all or part of the disclaimers as listed above in clause 7.1 may not apply.
7.3 If you are a merchant or business, you shall ensure that, among others, all industry requisite approvals, licenses and registration in accordance with all applicable laws, rules, regulations, guidelines in force from time to time, have been obtained and are kept in full force and effect to enable you to offer your products for sale.
7.4 Indemnity. You agree to indemnify and hold PayerMax, its affiliates, its licensors, its service providers, and its and their respective officers, directors, employees, agents, successors, assignees and licensors, in any manner whatsoever, harmless from and against all losses arising from claims, demands, actions (including, without limitation, lawyer’s and experts’ fees) or other proceedings as a result of:
8.1 If you have a dispute with PayerMax, you agree to contact PayerMax through our support team in first instance to attempt to resolve any such dispute amicably. If we cannot resolve the dispute through the PayerMax support team, you agree that the dispute will be resolved in the manner described immediately below.
8.3 Any Dispute arising out of or related to these Terms is personal to you and will be resolved solely through individual arbitration, and shall in no circumstances be brought as a class arbitration, class action or any other type of representative proceeding. There will be no class arbitration or arbitration in which an entity attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals.
The following additional or amended terms shall apply to you if you are a user in the relevant jurisdiction specified below.
Last updated on July 19, 2021
PayerMax may process personal information of the following categories of individuals in the provision of PayerMax Services:
Sources of information
We process personal information that you provide to us in a number of ways, including:
We may also process your personal information from third-party sources as necessary for the provision of PayerMax Service. We may obtain this information from your organisation, from public sources or third parties, depending on the relevant circumstances. For example, we may obtain certain personal information about you from:
Type of personal information
When you use our website or when we interact with you to provide PayerMax Service or to receive services from you as a vendor, the personal information we receive, collect and process may include:
In addition to the information listed above, we may collect information about the transaction from you depending on which payment method you choose to make or receive a payment, including:
We collect the following personal information from your device when you use PayerMax Service to carry out data analysis for advertising, and to protect you from fraud, phishing or other misconduct:
You may provide your personal information to us voluntarily. However, there are circumstances in which we may not be able to assist you, or an organization with which you are associated, unless you provide us with your personal information. For example, your personal information may be required for legally required compliance checks, for security and other reasons to allow you to access PayerMax Service. In these cases, without the relevant personal information, we may be unable to assist you, and we would inform you that this is the case.
We do not knowingly collect personal information from or about children under the age of 18. If you are under 18, please do not use PayerMax Service or send any personal information about yourself to us. If we learn that we have collected personal information from a child under 18, we will delete that information as soon as possible. If you believe that a child under 18 may have provided us personal information, please contact as using details provided in section 8 below.
We may process your personal information in connection with any of the purposes set out above on one or more of the following legal grounds:
We will only share your personal information with third parties in the following circumstances:
Your personal information will be retained only for as long as necessary for the purposes for which the information was collected, except where necessary to meet our legal obligations (for example, in relation to KYC/AML requirements) or to establish, exercise or defend potential legal claims or to pursue our legitimate interests.
Your rights will depend on the laws which apply to you and us, but you may have:
Where you have provided us with consent for the processing, you may be able to withdraw it. Please note that even after you have chosen to withdraw your consent, we may be able to continue to process your personal information to the extent required or otherwise permitted by law, in particular in connection with exercising and defending our legal rights or meeting our legal and regulatory obligations. To withdraw your consent or to exercise any of the rights above, if they are applicable, you should use our contact details set out in section 8 below.
We must ensure that your personal information we hold is accurate and up to date, where relevant. Therefore, please advise us of any changes to your information by emailing us.
We are concerned about safeguarding the confidentiality of your information. We employ administrative, physical and electronic measures designed to protect your Information from unauthorized access and use. Please be aware that no security measures that we take to protect your information are absolutely guaranteed to avoid unauthorized access or use of your information which is impenetrable.
We ask that you not send us, and you not disclose, any sensitive personal information (e.g., information related to your e-wallet password, credit or debit card password, racial or ethnic origin, political opinions, religion or other beliefs, health, sexual orientation, criminal background or membership in past organizations, including trade union memberships) through PayerMax to us, unless such information is required by us for legal compliance checks, such as KYC/AML.
The following additional or amended terms shall apply to you if you are a user in the relevant jurisdiction specified below.
Minor’s Personal Information: We do not knowingly collect personal information from or about children and adolescents under the age of 18. If you are under 18, please do not attempt to use PayerMax Service or send any personal information about yourself to us. If we learn that we have collected personal information from a child or adolescent under 18, we will delete that information as soon as possible. If you believe that a child or adolescent under 18 may have provided us personal information, please contact us.
Data subject’s requests: Under Article 18 of the LGPD, you have the following rights as data subject:
Consent from third parties. If you provide any personal data or information of third party individuals and/or parties, you represent and warrant that you have obtained the necessary consent to do so.
Data sharing. We will not share your information with third parties for any purposes other than the provision of PayerMax Service specified herein, without your consent.
Parental or Guardian Consent. If you are under the age of 21, you hereby represent that you had the consent of your parent or legal guardian to use the PayerMax Service.
Clause 1 (Information we collect and how we use it), add:
Clause 3 (Information we share), combine bullets 3 and 5 as follows:
Service providers which we engage to process personal information for any of the purposes listed above on our behalf and in accordance with our instructions only, such as local licensed payment service providers, cloud storage providers as well as companies providing services for AML/KYC checks, credit risk reduction, and other fraud and crime prevention purposes, and companies providing similar services, including financial institutions, credit reference agencies, and regulatory bodies with whom such personal data is shared; and/or
Clause 5 (Your rights) insert following clause:
After the purpose of processing of your personal information is achieved, your personal information will be transmitted to a separate database (or moved to a separate storage if your information is retained in a paper form) and retained for a certain period in accordance with PayerMax’s internal regulations and other applicable laws and regulations before it is destroyed. Your personal information relocated to a separated database will not be used for other purposes, unless it is required under the applicable laws and regulations. When destroying your personal information, we will take reasonable and technically feasible measures to make the personal information irrecoverable. For example, electronic files that contain personal information will permanently be deleted using a technical method that makes the files irrecoverable, and any other records, print-outs, documents or any other recording media will be shredded or incinerated.
网上商户：不得列入考虑的负面类别 — 表 I
|8||受版权保护的软件，包括软件、视频游戏和其他许可或受保护材料（包括 OEM 或捆绑软件）的未经授权的副本|
|29||基于 Web 的电话/短信/文本/传真服务或电话卡。带宽或数据传输/相关服务。语音处理/知识处理服务|
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|1 级主管||48 小时内|
|2 级主管||7 天内|
|3 级主管||30 天内|