“Card” When Network uses the word ‘card’ in this notice, it applies to all payment methods and types and not simply those involving a physical card; and use of the term ‘cardholder’ applies to any shopper or individual whose payment transactions may be processed.
“Network” means Network International Holdings Plc., Network International LLC any of its subsidiaries or affiliates.
“Network Services” means the products and services which are being offered by Network.
"Personal Information or Personal Data" for purposes of this Policy means to any information relating to an identified or identifiable individual.
You are important
It is not mandatory for you to provide the Personal Information that we have requested, but, if you choose not to do so, unfortunately, we will not be able to provide you with our Services or respond to any queries you may have.
What kind of Personal Information do we collect?
Network collects Personal Information relating to cardholders, merchants or other customers, suppliers and other business partners in order to carry out its business activities. Network may collect Personal Information from various sources, including:
Information you voluntarily provide, either directly or via our customers;
Information automatically collected when you use our Sites and Services, including in our role as a payment processor;
Information collected by cookies and other tracking technologies when you use our Sites; and
This Personal Information may include:
Contact information, Demographic information, Identification information, Payment transaction information, Financial and credit card information, Technical information, Social media posts, Applications (including job applications)
How do we use your Personal Information?
Network uses Personal Information internally in relation to:
Conduct its Operations, Risk Management, Transaction Processing, Marketing, development of existing and new Products and for Legal, compliance, regulatory or law enforcement purposes.
Online Session Information and Use is Collected to Improve Your Experience
We may also collect technical and navigational related Personal Information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This Personal Information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our design and functionality of the Network Sites and the Services.
You will have the option to disable cookies. If you choose to do so, unfortunately, certain features of the Network website and the Services will not be available once cookies are disabled.
Some web browsers may send out ‘do not track’ signals. There is no industry standard currently in place as to what websites and other online services should do upon receipt of such signals. Should such a standard be developed, Network will re-visit its notice, but currently takes no action upon receipt of such signals.
Network may offer certain features that are only available through the use of tracking technologies. Temporary cookies are used to enable you to navigate our site and use its features. These are deleted when you close your browser. IP addresses are used in conjunction with cookies for the purpose of “remembering” computers or other devices used to access our Sites.
Analytical or performance cookies collect anonymous information about how visitors use our websites. They allow us to analyse information such as the count of visitors to our websites, what search terms our visitors are using, what pages are viewed, and the last page visited. This information is based on the visitor’s IP address, and we cannot view individual activity tied to a single person.
To the extent that Internet Protocol (IP) addresses (or similar identifiers) are clearly defined to be Personal Information under any local law and where such local law is applicable to Network Services, Network will manage such identifiers as Personal Information.
Network Sites may also contain links to and from third party websites, including those of partner networks, advertisers and affiliates. Please note that these websites may have their own privacy notices and cookies policies, and Network does not accept any responsibility or liability for these third party websites. The inclusion of links to third party websites in no way constitutes an endorsement by us of such websites’ content, actions, or policies.
How We Use Anonymized Data: Peer Comparisons, Research & Development
Network may make anonymous or aggregate Personal Information and disclose such data only in a non-personally identifiable manner to:
advertising, measurement or analytics partners approved by Network that conduct research into consumer spending;
deliver products and services to other clients; and
Users of the Service for purposes of comparison of their financial situation relative to the broader community.
With whom does Network share Personal Information and for what purposes?
Before we share Personal Information, we ensure there are adequate safeguards in place to protect the processing of that data. Network does not disclose information that could identify you personally to anyone, except as described in this notice, including, but not limited to:
Any Network group company;
Any group company (such as advisers, share plan, payroll and other third party administrators, agents or contractors working on behalf of Network);
Financial institution clients;
Service providers and other third parties under contract who help with our business operations (including, but not limited to, fraud investigations, site analytics and operations);
Regulatory, legal and judicial authorities;
Social media sites integrated into web services that we offer;
Governmental or quasi-governmental organizations; and
Potential purchasers of Network.
Network may disclose Personal Information to third parties for the following purposes:
Legal or regulatory purposes
Suppliers who assist Network with the provision of its Services
Information on cross-border data transfers
Network International Holdings Plc., has its headquarters in London, United Kingdom. Network International LLC, a subsidiary of Network International Holdings Plc., has it registered office in Dubai, UAE. Network has offices and operations in other countries including Egypt, South Africa, Jordan, Saudi Arabia, and Nigeria. The data Network collects from you may be transferred, stored and processed in a country different from where the data was collected.
By using our Network Sites and Services, you are permitting Network (or its authorized service providers) to process, store and transfer Personal Information to a country which is different from where the data was collected. The transfer of information will often be in furtherance of a contract to which you or your bank/merchant are a party. In other cases, the transfer of information will be consistent with the legitimate interests of conducting Network Services.
Individual’s Privacy Rights (data subject rights)
Individuals are able to exercise rights regarding their Personal Information. These rights include:
the right to access;
the right to rectification;
the right to restriction;
the right to erasure;
the right to object; and
the right to data portability.
If access cannot be provided within a reasonable time frame, Network will provide you with a date when the information will be provided. If for some reason access is denied, Network will provide an explanation as to why access has been denied.
The laws of other territories applicable to your dealings with Network may also be relevant (and may also impact the above rights). There may be some additional rights under such relevant regulations which Network will comply with. Any such rights can be exercised by writing to email@example.com. However, all cardholder requests must first be directed to the relevant banking customer. Network will assist such banking customers with such requests accordingly.
How do we keep your Personal Information safe and secure?
We Are Committed To Keeping Your Personal Information Secure
The security of your Personal Information is important to us. As discussed below, we utilize physical, electronic and procedural security measures to protect against loss, misuse, and alteration of Personal Information under our control. We offer industry–standard practices and security measures to safeguard and secure the Personal Information we collect. No method of transmission over the Internet, or method of electronic storage, is completely secure. Therefore, we cannot guarantee its absolute security. Any transmission is at your own risk.
We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online in-app session and to protect Network accounts and systems from unauthorized access. Our servers are in a secure facility. Access requires multiple levels of authentication. Security personnel monitor the system 7 days a week, 24 hours a day.
We Enforce Physical Access Controls to Our Facilities
No employee may put any Personal Information or account Personal Information on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop). In addition, Network frequently tests the Service for any failure points that would allow hacking.
However, it is important to understand that these precautions apply only to our Service and systems. We exercise no control over how your Personal Information is stored, maintained or displayed by third parties or on third-party sites.
Our Service Ensures Secure Communications with Encryption
From the time you submit your login ID and password so that communications between your device and Network are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
You are responsible for keeping your login ID, password, mobile device, and email account safe and confidential.
You also agree that you control and limit access to the email account and mobile device. If your email address or your mobile device changes, you are responsible for informing us of that change.
Restrictions and Monitoring of Our Partners
Any partners we work with have been selected in accordance with our security policies and practices and are bound by confidentiality obligations. They may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
We may also use third party vendors or service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. We require such third parties to maintain the confidentiality of the Personal Information we provide to them.
How long does Network store and retain Personal Information?
Network will store Personal Information only for the greater of as long as necessary to achieve the purposes for which it was collected and applicable law. Retention periods for transaction and other data categories may vary, depending on our obligations. For example, legal and regulatory compliance with anti-money laundering (AML) and KYC requirements, operational demands, business requirements or dates we assigned based on contracts will also need to be taken into account, and may require retention for a period of up to 7 years after the data was collected or after the merchant or other customer relationship has ended.
Changes and updates to the privacy notice