Last Updated: May 2, 2017
Thank you for visiting our website and your interest in B2B Pay (hereinafter referred to as the "Bank"). Protecting your privacy when using our website is important to us.
We are committed to making sure that any information you provide on our website or platform will be treated with the utmost confidence.
The data controller within the meaning of section 3 (4) of the Finnish Personal Data Act (523/1999) (PDA) is B2B Trade Payment Services AB, c/o Bilanssi Ltd, Mannerheimintie 15a B 00260 Helsinki, Finland. For questions relating to the collection, processing and use of personal data, you can get in touch with us via the postal address provided or via email at firstname.lastname@example.org.
Purpose of data protection
The purpose of data protection within the meaning of section 3 of the Personal Data Act (PDA) is to protect personal data. Personal data refers to any information concerning the personal or material circumstances of an identified or identifiable natural person (data subject). An identifiable person is one who can be identified, directly or indirectly, e.g. using data necessary to complete a business transaction. This includes, for example, your name, address, telephone number, e-mail address and other data required to complete the transaction. This does not include data that cannot be used to identify any particular individual.
You can visit our website without disclosing any personal data. Whenever you visit our website the data of your visit will be automatically stored in a log file ("log data"). Anonymously, we learn only your IP address, the website from which you visit us, the websites you visit on our site, the retrieved files, and the date and time of the visit.This data will be evaluated for statistical and market research purposes. The IP address is stored for security reasons. If it is to be used for marketing purposes, it is anonymized in advance.
Collection and storage of personal data
If you send us personal data by email or by completing electronic forms, you do so on a voluntary basis. Our trained staff shall treat your personal data with the strictest of security and process and store the data only for the respective purpose.
We only collect, process and use personal data that you provide us with on a voluntary basis, i.e. by completing an electronic form or by sending us an email, for the specific purpose you have submitted the data to us e.g. to register for personalized services, answer queries, account openings or account management, technical administration or performance of contractual relationships. The personal data will only be stored until the purpose it was collected for is fulfilled, respectively as long as we are required by law to store the data.
The personal data will be used to provide financial and other services. If you have explicitly given your consent, you will also receive product information.
It’s important to remember that ultimately, you are solely responsible for maintaining the secrecy of your password and any personal information.
Cross-border and priority transfers
In the case of cross-border transfers, the data contained in the transfer document is forwarded to the beneficiary’s bank via the Society for Worldwide Interbank Financial Telecommunication (SWIFT) in Belgium. For reasons of system security, SWIFT temporarily stores transaction data on payments in its two data centres in the Netherlands and the United States.
Disclosure of data
Personal data you disclose to us via our website or by email (e.g. your name and address or email address) will only be used to communicate with you and for the specific purpose you provided it for.
If it is necessary to prosecute a case, personal data may be disclosed to law enforcement agencies, as well as any damaged third parties. Nevertheless, this is subject to the provision of specific evidence of unlawful or abusive conduct. Personal information may also be disclosed when this is necessary to assert they terms and conditions of use or other agreements.
We are also required by law to provide information to certain public authorities, such as law enforcement, financial authorities, authorities that can impose fines for administrative offences upon request.
Where we use third party service providers to provide services, e.g. customer services or the hosting of our websites or apps or certain system components (ID verification, sanctions screening etc.), on our behalf as part of contract data processing, we disclose information to these companies or individuals to the extent necessary to fulfil their contractual duties.
We work with our business partners who help us to make our products and services and the website more interesting for you. This means that when you visit our website cookies from our business partners will also be stored on your hard drive. The cookies stored in this way will be deleted automatically after a specified time. The data collected using a cookie ID will enable our advertising partners to deliver relevant advertising to you, when applicable.
You can prevent cookies from being stored on your computer by configuring your browser not to accept cookies, notify you automatically when sites try to store cookies or to block all cookies already received. Please note that if you do this, some features of this website may no longer function properly. If you only wish to accept our cookies but not those from our service providers and partners, you can configure your browser accordingly.
Google Analytics and Google Tag Manager
Google will use this information on behalf of the operator of this website for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing them other services relating to website activity and internet use. Google will not associate your IP address as transmitted by Google Analytics and Google Tag Manager with any other data held by Google.
You can prevent the collection of cookies by adjusting the settings of your internet browser; however, we point out that in this case you will possibly not be able to use our website to the full extent. Alternatively to blocking the data collection via browser-plugin or on mobile browsers, you can prevent the data collection by Google Analytics via an opt-out cookie.
For more information about Google and data protection, see the Overview of Data Protection and the Data Protection Policy of Google.
Google AdWords Conversion Tracking
We provide our partners and customers with information about us and our services. To receive the newsletter, you have to provide us with a valid email address. In addition, we need your prior express consent. We will verify that you are the owner of the specified email address or that the owner consents to receiving the newsletter. We will not collect any other data. This data will only be used to send the newsletter and will not be disclosed to third parties.
When you register to receive the newsletter, we will store your IP address and the date of the subscription for verification purposes in the event that a third party misuses the email address and subscribes to receive the newsletter without the knowledge of the authorised owner.
You may at any time revoke your consent that allows us to store your data and your email address and to use it to send the newsletter. To revoke your consent, please use the link in the newsletter to send us an email to that effect.
Our website contains links to other websites. We do not have any control over the content of websites operated by third parties. The websites we link to are not governed by this privacy statement and the assurances contained therein.
Websites where we collect personal data from our web site visitors are usually encrypted with your browser's built-in encryption module. These websites, including the transactional systems of B2B Pay, use technical and organisational measures to protect users against loss, destruction, access, modification or dissemination of your data by unauthorized persons. In addition, B2B Pay has implemented comprehensive security measures based on the latest technology standards. B2B Pay uses a firewall system to prevent third-party access. This state-of-the-art technology uses multiple layers of encryption and identification to prevent unauthorised access or interception of customer data during transmission. Personal data are encrypted before transmission. Any information you provide is stored on servers located in data centres in Germany and the Netherlands.
Protection of minors
Right to information, erasure of data and the right to revoke consent
Under Article 26 of the Finnish Personal Data Act, data subjects are entitled to request information about the personal data we store on you, its origin and recipients as well as the purpose of storing the data at any time.
If you do not agree with the storage of personal data, you have the right to revoke your consent to data processing and use at any time with effect for the future. To revoke your consent, you have to send us an email with "Data protection officer of B2B Pay" in the subject and stating your address and email address to email@example.com.
In addition, you are also entitled to have your personal data corrected, erased or blocked. To have your personal data corrected, erased or blocked, please send the relevant request by email to firstname.lastname@example.org with “data deletion”, “data blocking” OR “data correction” in the subject line. To the extent permissible by law, we will either have the stored data erased or blocked or make the necessary corrections.
If you have any questions regarding the collection, processing or use of your personal data, data protection in general, or if you have any complaints, please contact our data protection officer by email at email@example.com, who will be happy to assist you. We will make every effort to answer your questions as quickly as possible.