Paylican Platform – Privacy Policy
Together, we build the future of e-payment. In providing a full payment solution with up to date technologies customized to your needs, Paylican FZ-LLC (
“we”,
“our”,
“us”) is committed to protecting your data and acting in accordance with your rights under applicable data protection laws.
This Privacy Policy (
“Policy”) describes the data that we may be collected about you when using our Paylican platform (
“Platform”), how we may use it, how we may share it, your rights, and choices, and how you can contact us about our privacy practices.
Data you provide us with
By using our Platform, you share with us the data generated such as personal data (username, address, etc.), banking data (IBAN, payment method, etc.), IP addresses, and data related to the general usage of the user interface (log and usage data, device data, location data, mobile device data).
By using our Platform, you also allow various external parties who take part in the e-payment process to share with us trade data, transport data, container information, transaction data, taxation related data, assessment references, document-related data, files.
We do not and will not collect special or sensitive personal information about you or any data from sensors on your device.
We highly recommend that you update on a regular basis the data you provide us with on our Platform to ensure the best and the most accurate experience.
The way we use data
- Maintaining our Platform: Information may be collected to ensure our Platform is working as intended, such as to track and address outages or troubleshooting issues that you report to us, and to facilitate any other administrative activities that may become necessary from time to time.
- Developing new products and services: Information may be collected about our existing Platform to help us develop brand new solutions that will improve your e-payment experience.
- Improving our Platform: Information such as feedback received may be used to improve our Platform, processes, and our use of technology to enable the best possible experience to you.
- Measure our performance: Information may be analysed and measured to understand how our Platform is used.
- Providing personalized services, including technical support: Information may be used to customize our Platform for you, including to provide tailored technical support, training, or consultancy services. Our services also include customer support, where you may choose to submit information regarding a problem you are experiencing with our Platform. When you designate yourself as a technical contact, open a support ticket, speak to one of our representatives directly or otherwise engage with our support team, you will be asked to provide contact information, a summary of the problem you are experiencing, and any other documentation, screenshots or information that would be helpful in resolving the issue.
- Protecting your use of our Platform: Information may be used to help improve the overall safety and reliability of our Platform. This includes detecting, preventing, and responding to fraud, abuse, security risks, and technical issues that could harm you or us.
- Allowing us to contact you: Information may be used to communicate with you, if need be, for example by sending you e-mails on the transactions and invoices, or by sending you push notifications on the phone number.
- Meeting our ongoing legal, regulatory and auditing obligations: Information may be used to enable us to meet our ongoing regulatory, legal and compliance (including audit and record keeping) obligations and investigate or prevent crime.
Use of technologies
We may use cookies to collect information and support certain features of our Platform. Cookies and other technologies allow us to obtain information about your visits to our Platform. Although you are not required to accept cookies when you visit or use our Platform, you may be unable to use all of the functionality we offer if your browser restricts our cookies.
Transfer of information
In the e-payment process, we will disclose your data to the banks interfaced with our Platform and/or the Central Bank, if need be, depending on the country.
We may also disclose your data to our service providers who are involved in the delivery of our services to you, or third party content providers who may be located abroad. We take steps to ensure that they comply with the privacy requirements as required by applicable data privacy laws.
We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.
Information security
We are legally obliged to provide adequate protection for the information we hold and to stop unauthorized access and use of information. We will, on an on-going basis, continue to review our security controls and related processes to ensure that your information remains secure.
In this regard, to enhance security when using our Platform, we highly recommend that you turn- on a two-step authentication on your account by downloading an authenticator (Google, Microsoft, etc.) which will ask for your permission to be redirected to other applications.
This Policy does not apply to information practices of third parties whose hardware, software websites, platforms, or content we may make available through our Platform (by way of hyperlink or other access) for your convenience. We do not control and are not responsible for the data collection practices of these third parties. These third parties may have their own privacy policies and terms and conditions, made available on their website or platform, which we encourage you to consider before accessing these additional functionalities.
How to contact us
If you have any queries about this Policy, require further information about our privacy practices or would like to update, correct, delete, request a copy of your personal information held by us or exercise any other right under applicable law, simply contact us with your details under the Paylican “Contact Us” section or the “Chat” on our website and specify what request or information you require.
Status of this Policy
This Policy was last updated in March 2023. We may update or amend this Policy from time to time which will be effective on the date published on our Platform. Please check our Platform for the latest Policy.
Paylican Platform’s Terms and Conditions
The following terms and conditions, including any referenced policies (collectively the “Terms and Conditions”) govern your (“you”, “your” and/or “User”) access to, and use of, the Paylican Platform, including its related services, the portal(s) and the platform (collectively “Paylican Platform”) owned and operated by Paylican FZ LLC. and its successors and assigns (“we” “us” and/or “our”).
By clicking to confirm acceptance of these Terms and Conditions, you agree to be bound by these Terms and Conditions as they may be amended, updated, supplemented or varied by us from time to time. Your access to and use of the Paylican Platform is subject to your acceptance of these Terms and Conditions (as updated).
If you access or use the Paylican Platform and you use an email address owned or controlled by your employer or another entity as you primary or sole email address for that account, we will deem you to have been authorised and represented by such party, and your click to accept these Terms and Conditions (as updated) will be considered to have bound your employer or that entity to these Terms and Conditions (as updated), and the word ‘you’, ‘your’ and ‘User’ in herein will refer to your employer or that entity (as applicable).
1. Definitions and Interpretation
“Account” means your account opened with the Paylican Platform.
“Applicable Law” means any law, regulation, statute, rule, directive, treaty, judgment, order, guidelines, decree, interpretation, permit, injunction of any government agency, wherever in the world, and in each case, as amended from time to time, applicable to The Paylican Platform (including any of the services provided in relation to The Paylican Platform, the portal(s), the provision of the services, or the operation of, and payment under, these Terms and Conditions, from time to time.
“Feedback” has the meaning given to it in Clause 6.5.
“Intellectual Property Rights” has the meaning given to it in Clause 7.
“Loss” means any claim, liability, damage, loss, compensation, judgment, award (including any tribunal award), cost, proceedings, demands, expense (including reasonable legal fees or other professional advice expenses), taxation, charge, fine, penalty or outgoing.
“Technological Change” means any development that customizes, enhances, or changes the existing functionality of the Paylican Platform, including the creation of any new APIs, alternative User interfaces or extension to the existing data structure.
“User” means the user of the Paylican Platform.
2. Access and Use of the Paylican Platform
2.1 Subject to your compliance with these Terms and Conditions, we will provide to you access and use of the Paylican Platform, including its related services and functionalities.
2.2 As a condition of accessing or using the Paylican Platform, you represent, warrant and undertake that:
- Capacity and authority
i. you have full capacity and authority to enter into and to agree to these Terms and Conditions;
ii. you agree to and will comply with our notices, guidelines and operating rules and policies (including our privacy policy) pertaining to your access to The Paylican Platform which we issue from time to time. These notices, guidelines and operating rules and policies will generally be notified to you via The Paylican Platform or such other method of notification as may be designated by us;
iii. the purposes for access to the Paylican Platform are lawful and you will abide by all Applicable Laws in your use of the Paylican Platform;
iv. you have the legal right, power and authority to perform the actions and submit any data on or to The Paylican Platform (on your own behalf and on behalf of any person (including a business, organization or government entity) you may input data on behalf of) and that these Terms and Conditions constitutes legal, valid and binding obligations enforceable against you and/or such person. In such case, “you” and “your” includes you and such person (including a business, organization or government entity, as appropriate).
- The Paylican Platform Use
i. all data provided by you, to us is true, accurate, complete, valid without any concealment and up-to-date at all times;
ii. you have sufficient rights (as applicable) to grant the rights (including any necessary consents required by Applicable Law) to us for use with the Paylican Platform under these Terms and Conditions and that our use and processing of the data provided by you will not violate any Applicable Law or the rights (including Intellectual Property Rights) of any third parties;
iii. all User data uploaded by you does not infringe the Intellectual Property Rights of any party, and your and our use of such Data in connection with the Paylican Platform will not infringe the legitimate rights and interests of any third party; and
iv. you will not use any of our property (or our affiliates) or the Paylican Platform’s name, branding trademark,logo or any Intellectual Property Rights except to the extent explicitly authorized under these Terms and Conditions or otherwise with the prior written approval of us.
- Use restrictions
You agree not to, and to ensure any third parties accessing and using the Paylican Platform do not:
i. store, process, transmit, or make available content or technology (a) that is infringing, libellous, defamatory, harassing, obscene, illegal, violating privacy rights, or in violation of third-party rights, (b) that advocates or advances criminal hacking, cracking, or phishing, or (c) that is malicious content, unlawful software or malicious code, such as viruses, worms, time bombs, and other harmful or malicious files, scripts, agents, or programs;
ii. use the Paylican Platform for illegal, threatening, or offensive uses purposes;
iii. access or use or attempt to access or use the Paylican Platform in any way that causes, or may cause, damage or injury or reputational damage to us, our affiliates, our customers, our partners, our suppliers, our products or services, including our infrastructure, portal, platform and the Paylican Platform, or to any other person or property;
iv. modify, copy, adapt, reverse engineer, decompile, or disassemble any element of, use data gathering or extraction tools, or otherwise discover any source code, object code, software programs, processes, algorithms, methods, techniques, data, or information embodied in the Paylican Platform, or any feature, function or User interface thereof;
v. build similar or competitive products or services;
vi. use the Paylican Platform for commercial timesharing, rental, or service bureau use; or
vii. disclose results of any benchmark tests of, or obtained through The Paylican Platform to any third party without our prior written approval.
3. The Paylican Platform User Registration
3.1 We reserve the right at any time to reject, restrict, suspend and/or terminate a User’s access to any Account or use of The Paylican Platform if we believe that any User is in breach of these Terms and Conditions or any Applicable Laws; a User has not provided the documents and/or information reasonably requested by us; or a User has provided us with any inaccurate, incomplete or misleading information or made any inaccurate or misleading statement or warranty.
3.2 As part of the Account opening procedures or to comply with Applicable Law:
3.3 You agree that any actions conducted through the Paylican Platform when using your Account (including instructions to submit or analyze Data) are authorized by you. You authorize the Paylican Platform to act in accordance with your instructions (including any instructions the Paylican Platform believes to be issued by you). We reserve the right not to follow or execute any instructions where we reasonably suspect the instruction or input is not from you.
3.4 We shall not be obliged or liable to verify that your instructions are accurate, timely, appropriate, lawful or complete. We are not liable for any Loss arising from your, or any third party’s, failure, delay or refusal to instruct or perform any actions in response to your instruction.
3.5 We may launch new services on the Paylican Platform or change, suspend or cease the provision of the services on the Paylican Platform or make any Technological Change from time to time. We will endeavor to provide you with reasonable notice in advance, through an announcement through the Paylican Platform platform, or other means. If you continue to use the Paylican Platform after any Technological Change takes effect, you will be deemed to agree to and have accepted such Technological Change.
3.6 You agree and understand that the Paylican Platform may be modified, updated, newly introduced, or discontinued from time to time in our sole discretion as part of our ongoing development and improvement of the Paylican Platform. Any feature introduced at any time does not constitute any representation, warranty or undertaking that such feature or platform will be provided on a continuing basis.
4. Pricing
- Digitization and Payment Aggregation Fee
The Paylican Platform will apply a digitization and payment aggregation fee equal to 1.5% of the total amount of each successful transaction conducted through the Paylican Platform (the “Fee”). The Fee is exclusive of taxes and shall be capped at USD 100 per transaction. Any potential fees from payment operators (banks, credit card providers, processors, mobile money operators, etc. ), if any, shall not be a part of the Fee or deducted from the Fee.
- The Fee shall be deducted directly by the Paylican Platform from the payment made by the User during the execution of the transaction and will be directly deposited into our designated bank account without passing through the relevant merchants’ or beneficiaries’ accounts.
- Right to Modify Pricing
Paylican FZ-LLC reserves the right to modify the digitization and payment aggregation fee at any time. The Users will be notified of any changes through the email associated with their accounts and those changes will take effect 5 days after notification.
5. Account Security and Confidentiality
5.1 We have adequate security measures in place to protect your information, including but not limited to using encryption technologies to keep your data private while in transit; reviewing our information collection and storage policies to prevent unauthorized access to our systems, and restricting personal information of personnel who need that information in order to process it.
5.2 You shall safeguard, keep confidential and protect your Account details and password(s) at all times and take all necessary steps and exercise reasonable care and diligence to prevent your Account details and password(s) from being used without authorization or fraudulently.
5.3 You shall inform us immediately if you become aware or discover that: (a) there have been any unauthorized instructions issued under your Account; (b) your Account details and/or password(s) may be or is lost, compromised, stolen by or disclosed to any unauthorized person(s); and/or (c) your Account details and password(s) have been used without authorization, and immediately take all reasonable steps to mitigate your damage and loss. You shall cooperate and follow our instructions in respect of any unauthorized instructions or lost, compromised, stolen or disclosed Account details and/or password(s), including re-setting your passwords. You remain liable and responsible for all loss and damage in connection with unauthorized instructions or lost, compromised, stolen or disclosed Account details and/or password(s) caused or contributed by your act or omissions or negligence.
6. Suspension, Maintenance, Upgrades, Reservation of Rights
6.1 We have the right to limit, suspend or revoke your access to the Paylican Platform if we reasonably determine that (a) your use is in breach of these Terms and Conditions or Applicable Laws, (b) the operation of these Terms and Conditions, in whole or in part, would adversely affect the reputation of us (or our affiliates) or cause us (or our affiliates) to violate Applicable Laws, (b) suspension is necessary to avoid adverse impact to us, you or other Users, including if the Paylican Platform (and/or our platform or the portal) is experiencing denial of service attacks, mail flooding, or other attacks or disruptions outside of our control, or (e) we required by Applicable Law or at the request of any government entity, agency or court. We reserve the right to terminate or cancel these Terms and Conditions immediately upon notice to you, including if our rights of suspension in this Clause arises, and/or terminate your access to your account and remove and destroy any information contained or associated with your account.
6.2 From time to time, we may need to suspend access to the Paylican Platform to carry out technical maintenance, updates or repairs. We will endeavour to provide you with notice where the suspension of access to the Paylican Platform is for scheduled reasons and we shall carry out any necessary maintenance, updates or repairs. However, we may not be able to provide you with any notice, including where such suspension is necessary because of an emergency.
6.3 The Paylican Platform (including third party services, products and/or data or information offered through the Paylican Platform, may be unavailable from time to time, and may suffer occasional disruptions and outages, which may also mean you are not able to access, retrieve or use any or all data. We are not liable for any disruption or loss you may suffer as a result of any such loss, interruption, delay data. We recommend that you regularly backup data that you store or provide through The Paylican Platform.
7. Intellectual Property
7.1 You (or your licensors) own and retain ownership over all Intellectual Property Rights to the data uploaded or provided by you and grant us an unlimited, irrevocable, perpetual, worldwide, non-exclusive, royalty-free licence to process and use the data for uses in connection with the Paylican Platform and the provision of related services to you or other Users.
7.2 You acknowledge and agree that all Intellectual Property Rights to and subsisting in the Paylican Platform (including the platform, the portal(s), the APIs, underlying technology and software, the services, the content, materials, layout and organisation of the The Paylican Platform and any other materials provided by us to you) are owned by and shall remain with us (and our licensors).
7.3 We will not be responsible for any infringement of Intellectual Property Rights which arises from your use of the Paylican Platform in breach or non-compliance with these Terms and Conditions or in connection with your Data.
7.4 We will own any and all Intellectual Property Rights in any and all metadata, user experience (including how our functionality or features are used, filter options, transactions ordering and the like), trade data collection information, statistical, aggregated, anonymized or derived data, including relating to the performance, operation, maintenance, User experience, insights and analysis of the use of the Paylican Platform and/or platform.
7.5 You may from time to time provide feedback, information, improvements, support requests, suggestions, inputs and other observations in connection with the Paylican Platform, our services or other products and services (collectively, the “Feedback”). You agree that all Intellectual Property Rights to such Feedback are and will be owned by us and you hereby assign any and all Intellectual Property Rights you may have presently or in the future in such Feedback to us upon creation.
8. Privacy
8.1 Please refer to our privacy policy for further information on how we collect, use, process, disclose and transfer any personal information which you acknowledge and agree to as a condition of accessing or using the Paylican Platform.
8.2 You will be responsible for backing up and maintaining records of any data uploaded to the Paylican Platform.
8.3 To the extent that you upload, disclose, transfer or process any personal data on the Paylican Platform, you undertake that you have complied with, and shall comply with all Applicable Laws (including those governing data protection and privacy) and shall ensure that you have obtained all consents, rights, approvals, or legal right to upload, disclose, transfer or process such personal data for the relevant purposes.
8.4 In order to upgrade or migrate the Paylican Platform to a different technical architecture, we may transfer your data to our employees, affiliates, suppliers and service providers located overseas, subject to having in place appropriate safeguards and conducting all overseas transfers in accordance with Applicable Law. You consent to us transferring data, and our employees, affiliates, suppliers and service providers accessing data for this purpose.
9. Exclusion of Liability
9.1 We do not warrant that the Paylican Platform will meet any and all requirements of any User, or that the use of the Paylican Platform will be uninterrupted, secure, timely or error free and neither we or any of our affiliates assume any responsibility of any kind for any interruption, interception, suspension, delay in the transmission, unavailability, blocking of any data or information in connection with the Paylican Platform (including the platform, portal(s) and hosting). To the extent permitted by Applicable Law, the Paylican Platform (including the platform, portal(s) and hosting) is provided "as is, as available" basis and without warranty or condition of any kind, whether expressed or implied, and any use of or reliance upon any part of the Paylican Platform and/or the platform and/or portal(s) shall be at your sole risk.
9.2 Except to the extent prohibited by Applicable Law, we disclaim all warranties, representations, terms or conditions (oral or written, express or implied) or guarantees regarding the Paylican Platform, including any implied warranties, terms or conditions relating to merchantability, title, non-infringement, or fitness for a particular purpose.
9.3 We will also not review or verify the data for accuracy, currency, quality or completeness and we disclaim all warranties, representations, guarantees (express or implied) in connection with (and shall not be responsible for) any data and any other third party content accessed, displayed or used (including your reliance on such data or information) in connection with or through the Paylican Platform, our platform or any other services.
9.4 To the extent permitted by Applicable Law, we, our affiliates, and each of our and our affiliates’ third party providers and each of their officers, directors, employees, agents, independent contractors, successors and assigns, shall in no event nor for any reason whatsoever be liable, even if the relevant party has been advised of the possibility of such Loss, for any Loss, including direct, indirect, special, or consequential damage, or economic loss, arising from or in connection with:
9.4.1 your use or misuse of the Paylican Platform;
9.4.2 any access, use, or the inability to access or use the Paylican Platform;
9.4.3 any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus, or other malicious, destructive or corrupting code, agent program or macros;
9.4.4 any temporary suspension of the Paylican Platform (service, platform, portal(s) or otherwise) in accordance with these Terms and Conditions;
9.4.5 scheduled, urgent or emergency maintenance, upgrades or updates, as may be carried out by us from time to time;
9.4.6 any decisions made by you arising from, or any application of (or failure to apply) results obtained from the use of the Paylican Platform;
9.4.7 the authenticity or accuracy of data; or
9.4.8 any problem, event or delay that is outside our reasonable control, including any force majeure event.
9.5 We do not have any contractual relationship with you in relation to the Paylican Platform (including our platform, portal(s) and/or our services) other than these Terms and Conditions, and other than as expressly set out in these Terms and Conditions, we shall not have any liability to you for any matters arising out of or in connection with the Paylican Platform (including our platform, portal(s) and/or our services). To the extent that any liability under these Terms and Conditions cannot be excluded by Applicable Law but can be limited, our aggregate liability to you will be limited to an aggregate total amount of USD 1,000.
9.6 We and each of our and our affiliates’ third party providers and each of their officers, directors, employees, agents, independent contractors, successors and assigns, shall not be liable for any and all indirect, special, punitive or consequential Loss, or economic loss, loss of revenue, loss of profit, loss of data, loss of goodwill or opportunity or wasted expenditure arising from or in connection with these Terms and Conditions, the Paylican Platform (including the portal(s) and platform) or our acts or omissions under these Terms and Conditions.
10. Indemnity
10.1 You agree to defend, indemnify and hold harmless us, our affiliates, and each of our and our affiliates’ directors, officers, agents and representatives from and against any and all Loss arising from or relating to: (a) your use of and access to the Paylican Platform, and the transactions conducted by you through the Paylican Platform; (b) your violation of any provision of these Terms and Conditions; (c) and your violation of any third-party right, including any intellectual property or privacy right.
10.2 This defence and indemnification obligation will survive the termination of these Terms and Conditions.
11. Miscellaneous
11.1 Confidentiality: You shall treat as strictly confidential and not disclose or use any information received or obtained in connection with these Terms and Conditions. However, this shall not prohibit the disclosure of such information to the extent: (a) required by Applicable Law; (b) it is or becomes publicly available other than as a result of a breach of an obligation of confidentiality; (c) the information is already in your possession or is independently developed by you; or (d) we have given prior written approval to the disclosure.
11.2 No assignment: You may not assign your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights or obligations under these Terms and Conditions to any affiliate or third party.
11.3 Successors: these Terms and Conditions will bind you and our respective successors in title and assigns. These Terms and Conditions will continue to bind you notwithstanding any change in our name or constitution or our merger, consolidation or amalgamation with or into any other entity (in which case these Terms and Conditions will bind you to our successor entity).
11.4 Entire Agreement: These Terms and Conditions constitute the whole legal agreement between you and us and govern your use of the Paylican Platform and completely replace any prior agreements between you and us in relation to the Paylican Platform.
11.5 Subcontracting: We may engage any of our affiliates and/or local and/or overseas independent contractors and agents to operate the Paylican Platform and perform its services as deemed appropriate by us.
11.6 Severability: Any terms and conditions of these Terms and Conditions are severable from and independent of other terms and conditions thereof. If any provision or term of these Terms and Conditions is held illegal, invalid or unenforceable under Applicable Laws, it shall be enforced to the extent permitted by Applicable Laws, and the remainder of these Terms and Conditions shall remain in full force and effect.
11.7 Exercise of Rights: No act, delay or omission on the part of us to exercise any right, power or right of indemnity under these Terms and Conditions shall operate as a waiver thereof or affect any subsequent or further exercise or enforcement of any such right, power or right of indemnity. The rights and remedies under these Terms and Conditions are accumulative, and not exclusive of any rights and remedies provided by Applicable Law.
11.8 Survival of Rights: The rights and obligations of the Parties that by their nature survive termination or completion of these Terms and Conditions shall remain in full force and effect.
11.9 Force majeure: No party shall be liable to the other party for any failure to fulfil its duties hereunder if and to the extent that such failure results from an act or event affecting the performance by a party of its obligations hereunder arising from events beyond its reasonable control.
11.10 Amendments: We may amend these Terms and Conditions from time to time. If we make any amendments, we will make an announcement in respect of the amended provisions on the Paylican Platform and/or by other means. If you maintain your Account(s) and/or continue to use the Paylican Platform after the amendments take effect, you will be deemed to have accepted such amendments. You should therefore also frequently check the provisions of these Terms and Conditions, and any announcements and notices published on the Paylican Platform.
11.11 Invalidity of any Provision: If any provision hereof is adjudged to be invalid, void or unenforceable, the parties agree that the remaining provisions hereof will not be affected thereby, that the provision in question may be replaced by a lawful provision that most nearly embodies the original intention of the parties, and that these Terms and Conditions will in any event remain valid and enforceable.
11.12 Third Party Rights: A person who is not a party to these Terms and Conditions has no right to enforce any term of, or enjoy any benefit under, these Terms and Conditions.
11.13 Governing Law: These Terms and Conditions have been made in and shall be construed and enforced in accordance with the laws of Dubai, United Arab Emirates. The Parties consent to the exclusive jurisdiction of the Courts of the Dubai International Arbitration Centre.
Version 01: February 2024