Aqwire Pte. Ltd. is a corporation incorporated under the laws of Singapore, which also operates several subsidiaries such as Qwikwire Billing Systems, Inc. and OmniSent Corp. We may share personal information with these or future affiliates.

Aqwire, doing business as Aqwire, and our subsidiaries and affiliates (“Aqwire,” “Company,” “We,” “Us,” “Our”) are committed to protecting your privacy and the privacy of information that you share with us.

Our Privacy Policy (“Policy”) discloses the privacy practices for the updated website Aqwire Billing Systems (“Site,” “Platform”) (https://pay.aqwire.io) and how you can contact us for further questions, which is owned and operated by Aqwire Pte. Ltd., a stock corporation, as well as the use of any application created by Aqwire. The Policy explains how we collect, use, and disclose the information we obtain through our Site, Platforms, any other application, and other services we provide to our clients and the choices you can make about how we can handle the information. This Policy applies to our collection and use of information from all visitors to the Site, including, without limitation, visitors using only free services offered on the Site.

By accepting and reading this Privacy Policy, you signify your express agreement and consent to this Policy and its terms.

Any information collected from or about you through your use of the Site or our services is subject to this Policy for Aqwire.

You agree to immediately contact us if you become aware that someone may have compromised the security of the username and password for your account with us.

Collecting and using data from various sources is essential to our ability to provide our services - and to help keep the services safe. Data is critical in helping us to increase the safety of our transactions, reduce the risk of fraud, money laundering, and other harmful activity, and to comply with legal obligations under the Anti-Money Laundering Act (AMLA) of 2001 and other related laws.

Throughout this Privacy Policy, we use the term "Personal Information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include anonymous data, so it does not identify a particular user.

Aqwire, as the Personal Information Controller (PIC) for the personal information collected in the Site and Platforms, collects the following categories of data to provide services:

We use the data provided to operate and ensure that you can successfully complete an enrollment and/or transaction process payments efficiently, securely, and legally for us to perform our services.

Aqwire collects your data when you:

Aqwire uses your data to:

Except as otherwise set forth in this Policy, Aqwire does not sell, share, or in any other way transmit personal information submitted by our users to any other persons, marketers, or companies.

Aqwire shares your data with third parties as follows:

• To collect payment due for the provision of the services
• Based on your instructions through normal use of our Site or services, in response to a notification from us describing how we will share information and your subsequent provision of such information, or as otherwise specifically requested by you.
• With your company or your company contact based on the latest information provided by you or an approved representative of your company.
• With Aqwire service providers under contract who help with parts of our business operations, such as:
  • Including but not limited to identity verification, credit checks, fraud prevention, bill collection, marketing, and technology services.
  • Payment gateways and processors, managed data security services that perform tokenization services on behalf of Aqwire, and fraud prevention or security service providers that use the information to help prevent, detect, and/or address malicious activity.
• With Aqwire service providers and referral partners that work on behalf of Aqwire to provide some aspects of our services; and email service providers to perform marketing services and to help us communicate with you;
  • When you submit an online "Contact Us" or other online inquiry form or when you call, write, fax or otherwise initiate contact with Aqwire, we record your contact information (name, address, phone number, and email address) in our CRM (Customer Relationship Management) System.
• With relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud or malicious activity.
• With relevant regulators or law enforcement officials in response to a valid request for information where we believe disclosure is in accordance with applicable law, regulation, or legal process.
• With relevant regulators and law enforcement officials or payment method rules in response to a valid request for information where we believe disclosure is in accordance with applicable law, regulation, or legal process, requests from courts, law enforcement agencies, and other public and government authorities, which may include authorities outside your country of residence.

You hereby agree that we may share some or all of your personal information with Aqwire's parent company, subsidiaries, joint ventures, or other companies under common control with us (collectively, “Affiliates”). We will require our Affiliates to comply with this Privacy Policy.

If you submit any personal information of another individual to us or our service providers in connection with the services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Policy.

If the Company or our assets are acquired by another company, that company will possess the personal information collected by us.

We also reserve the right to use aggregated and de-identified personal information provided that those data cannot be reasonably used to identify you.

Aqwire protects all information collected via online inquiry forms and will not disclose it to any third parties except as otherwise outlined in this Policy.

In some cases, we may refer you to an Aqwire online inquiry form via a link on a third-party referral website. In that case, we may share any information collected on the Aqwire-hosted online inquiry form with the referring party only, and that referring party may use it for their own non-Aqwire-related marketing communication programs.

You consent to receive auto-dialed calls from or on behalf of Aqwire at any number provided to us, whether such numbers are directed at a residence, a business, a wireless telephone, or otherwise. You understand that this consent is not a condition of purchasing the products and services offered by Aqwire.

To obtain an Aqwire Account, you must provide contact information (name, address, phone number, and e-mail address) in addition to other personal information, including but not limited to your Social Security Number (SSN) (we may use the last four (4) digits provided to obtain and store the whole SSN), driver's license state and number, Employer Identification Number (Tax ID), and billing information.

In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users and their customers.

We may use third-party analytics providers, such as Google Analytics, which use cookies and similar technologies to collect and analyze information about the use of the services and report on activities and trends. These third parties may also collect information regarding the use of other websites, apps, and online resources.

You can learn about Google's practices by going to https://policies.google.com/technologies/partner-sites and opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

For quality and training purposes, Aqwire may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with us, you acknowledge that your communication may be overheard, monitored, or recorded with prior notice or warning.

To help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with Aqwire, including but not limited to the following:

• Evaluate your computer, mobile phone, or other access devices to identify malicious software or activity.
• We may create anonymous records from personal information by excluding information (such as your name) that makes the data personally identifiable to you or one of your customers.
• We may use this anonymous information to direct future development, including but not limited to analyzing usage patterns to enhance our services and provide reports based on anonymous non-personal information.

Aqwire reserves the right to use and disclose anonymous information to third parties at our discretion.

Use of Third-Party Service Providers

Any third parties, such as vendors affiliated with our services, are subject to their own privacy policies, and we do not accept any responsibility for how they collect, process, retain, dispose of, and use. We encourage you to check and review the privacy practices and policies of our third-party services before you submit any personal data.

A cookie is a small text file stored on your computer to help us make your visit more user-friendly by improving the site and your experience. Any data collected through cookies will be treated under this Policy. If you have set your browser to warn you before accepting cookies, you should receive a warning message with each cookie. You may refuse cookies by turning them off in your browser. However, you should know that our site may not work well with cookies disabled.

For further information, visit https://allaboutcookies.org.

What types of cookies do we use?

There are different types of cookies; however, our Site uses third-party cookies from Google Analytics, an analytics tool to track and analyze website traffic and user behavior.

Use of Third-Party Service Providers

Any third parties, such as vendors affiliated with our services, are subject to their own privacy policies, and we do not accept any responsibility for how they collect, process, retain, dispose of, and use. We encourage you to check and review the privacy practices and policies of our third-party services before you submit any personal data.

Aqwire takes the protection of your personal information seriously. As described on our security page, we utilize commercially reasonable physical, administrative, and technical security measures to protect your personal information from loss, unauthorized access, use, and disclosure of the information under our control.

We also implement regular security compliance audits along with physical, technical, and organizational security measures as the National Privacy Commission recommends, basing it on multiple compliance frameworks and best practices.

However, the transmission of information via the Internet is only partially secure. Any transmission of personal information via the Internet is at your own risk. You are responsible for keeping your account information, including your password, confidential. We ask you not to share your information (e.g., password, account, and credit card number) with anyone.

Aqwire ensures that the following measures are constantly implemented to ensure that your data is handled securely when we process, transfer, and store them:

• Use industry-standard encryption technology to secure data
• Privacy Impact Assessments (PIA)
• Documented risk and gap analysis
• Use of industry-recognized framework with SOC2
• Vendor Assessments

Aqwire stores your data with third-party services that process customer data on behalf of Aqwire, including but not limited to Cloud service providers, billing services such as banks and payment processors, and SaaS providers.

When we share your personal information/data with third parties, we ensure that the data processed are to be secured and protected under the terms of our Data Sharing Agreement with third parties..

Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their benefit, except as otherwise outlined in this Policy, including without limitation as set forth in the Non-Customer Sales, Service, or Information Inquiries section above.

We will make reasonable commercial efforts to ensure that they comply with such policy or requirements. However, we will not be liable if any person fails to do so.

How does Aqwire manage and retain your information?

Data Retention Policy

In compliance with BSP Circular No. 1138 on Data Retention, we preserve the full transaction data based on the transaction type.

• For one-time payments, we retain the data for up to five (5) years based on when the transaction was created.
• For enrollments or recurring payments, we retain the data for up to five (5) years based on the last payment in the transaction.

Upon the expiration of such periods, Aqwire will ensure that the personal data under its custody anonymizes the transaction by removing all electronic customer information and then moving it into our archive database for storage in-house using cloud storage servers with sufficient security measures implemented.

All expired transactions, including the categorized personal information, cannot be accessible anymore, protected from the internal and merchant dashboards unless required by law. This period may extend beyond the end of the relationship with us but only for so long as we are contractually bound to do so, or so far as is necessary for the audit, legal/compliance, or other accounting purposes.