Effective Date: May 20, 2018

1. Parties

These terms and conditions (“Terms“) constitute a binding agreement (“Agreement“) between Echo Industries GmbH, a limited liability company established under German law (“Echo Industries“, “Us“, “Our” or “We“) with its product “Payger” (“Payger“) and the person, persons, or entity (“You“, “User“, “Your” or “Yourself“) using the service, website, software or application of Echo Industries (“Payger Software“).

2. Payger – Complete Terms of Use

Any use of the Payger Software is deemed as Your acceptance of Our Terms, and all applicable laws and regulations. If You do not agree with this You are prohibited from using or accessing the Payger Software and Your only recourse is to stop using the Payger Software. These Terms may be modified and amended from time to time, so You should check them each time You use the Payger Software. Please read the Section on Key Definitions to see the definitions of any terms that might confuse You.

3. Key Definitions

The following terminology applies to these Terms and any and all other agreements between You and Us:

● “Website” means the internet website Payger.com.
● “Party” refers to either You or Us.
● Each of “Digital Asset“, “coin,” “virtual currency,” “cryptocurrency,” “altcoin,” “crypto,” and “token” refer to Blockchain- based software ledger data entries.
● “Funds” means ONLY Digital Asset and/or NOT Legal/Fiat currencies such as U.S. Dollar ($) or Euro (€).
● Each of “Payger Account” and “Payger ID” means a user account accessible via the Payger Services where cryptocurrencies may be stored in a Payger Wallet by the user. The “Payger Account” contains the Payger Wallet, settings section and Account setup section.
● “External Account” means any cryptocurrency Account or Digital Asset Account:
a. from which You may load Funds into Your Payger Account, and
b. to which You may push Funds from Your Payger Account.
● “Blockchain Wallet” means an alphanumeric character sequence (may be stored for use in a wallet software, stored inside a file or printed on paper) containing the Public Keys and also the secret Private Keys. The Public Key is your “Funds receiving Address” and is not secret. The Private Key is the secret of the User and is the one and the only reference to the enrolment of the Users Funds inside the Blockchain. The Private Key is also used for Authorisation of sending Funds to another Public Key (Address).
● “Blockchain Explorer” means a software enabling the user to read and analyze the transactions written inside the blocks of a public ledger blockchain.
● “Blockchain” means a decentralized public ledger which runs on geographically distributed computers connected “peer to peer”. The public ledger consists of consecutive data blocks signed by hashes. Each block contains the hash (SHA 256) of its predecessor, making it impossible to alter any of the generated block afterwards.
● “BitShares Decentralized Exchange” means a “Digital Asset” exchange which runs as a distributed application “Exchange” on geographically distributed computers connected “Peer to peer” using the “BitShares Blockchain”. The BitShares blockchain provides a high-performance decentralized exchange, with all the features You would expect in a trading platform. Decentralization gives the BitShares Blockchain robustness against failure. In a decentralized system, any attack or failure impacts only a single user and their funds. More info at www.bitshareshub.io
● “Payger Services” or “Our Services” means providing and maintaining of the Software running at Payger.com. Operating the Payger User registration process, operating customer service, updating the Payger software for security, developing new Software Features (such as new Digital Assets) keeping the Payger Software competitive and secure.
● “Payger Wallet” means a registered Payger User owns a Payger Wallet to store his/her Digital Assets. Compared to an “Blockchain Wallet“, the Public Address is represented by a User Name which is standard on BitShares. The Private Key is stored inside a encrypted Vault and is only accessible by the Payger User. For security reasons Payger registers a random User Name on the BitShares Blockchain and links the “Blockchain Wallet” to the “Payger-ID”.
● “Pair Info” means the digital assets involved with your actions. E.g. you exchange BTC to BTS , BTC:BTS is your pair info.
● “Payger User” means a registered Person or Company which has passed the registration process successfully at payger.com and has a confirmed, working Payger account.
● “Payger Merchant” means a registered Company (Merchant) which has passed the registration process successfully at payger.com and has a confirmed, working Payger account. He passed the additional merchant verification process.
● “Payger Dashboard” means the Payger starting page at payger.com after successful login of a previously successful registered Payger User. Ongoing from the Dashboard, all further actions such as “Deposit”, “Transfer”, Withdraw”, Exchange” of Digital Assets and managing the User Account may be performed.
● “UI” means “User Interface” The User Interface enables the Payger User to interact with the Payger Software and to perform operations on his digital Assets within his/her Payger Wallet.
● “Merchant” means A merchant buys and sells goods made by others.
● “Basic Tier” means Lowest operational service level of a Payger User / Merchant.
● “Payger Merchant Dashboard” means the Payger starting page at payger.com after successful login of a previously successful registered Payger Merchants. Ongoing from the Dashboard, all further actions such as “Deposit”, “Transfer”, Withdraw”, Exchange”, “Merchant Services” of Digital Assets and managing the Merchant Account may be performed.
In these Terms, unless otherwise specified, words importing the singular include the plural and vice versa and words importing gender include all genders.

4. Service Offered

Echo Industries provides and maintains a Software running at Payger.com “Payger”. The software at payger.com serves the following purposes for the Payger User:

1. Multi-cryptocurrency wallet for everyday payments
2. Remittance and global money transfer
3. Later with integrated messenger (social payments)
4. Available as web browser UI, and mobile App (iOS, Android)
5. API for third party access (Merchants, POI, etc.)

Echo Industries operates the Payger User registration process, customer service, updates the Payger Software for security, develops new Software Features (such as new Digital Assets) keeping the Payger Software competitive and secure in the future.

The Service Payger offered is for electronic payments. Do NOT use more money with Payger than you could afford to lose! We CANNOT recover funds due to lost Private Key Information. Payger is not an Investment tool for depositing large Asset values You usually have in your Bank Depot (speculation, long term-yield).

Echo Industries has created the Payger Software that enables Users to access, transfer and exchange Digital Assets. This Agreement permits You to use the Payger Software subject to certain conditions, rights and obligations.

You should only use the Payger Software if You are familiar with Digital Assets. Echo Industries highly recommends learning the basics for the Digital Assets that You plan on using with the Payger Software before running the Payger Software.

The Payger Software is licensed to You without charging a base price. This Agreement applies to all contractual relationships between You and Echo Industries, including, but not limited to, any technical support provided to You in relation to the Payger Software.

5. Protecting Your Password

You will choose a username, email address, password, PIN and security question and answer, when registering Your account. You are responsible for maintaining the confidentiality of Your email address, password, security question and answer, PIN and Private Key Information. You are fully responsible for all activities that occur with the use of Your username, email address, password, PIN, security question and answer, or account. Please notify Us immediately of any unauthorized use of Your password or Payger Account or any other breach of security. If You share Your Private Key Information with others We will not be liable for any loss that You may incur as a result of someone else using Your Private Key Information or account, either with or without Your knowledge. You may not allow other Merchants to use Your account. You may not use anyone else’s password at any time.

6. You Own and are Responsible for Your Private Keys

Payger encrypts Your private keys, security question and answer, password and PIN (collectively, “Private Key Information“). The Private Key Information is stored segregated on secure Payger servers. Payger has under no circumstances access and reading abilities of Your Private Key Information. It is very important that You backup Your Private Key Information Yourself. If You lose Your Private Key Information then it will not be possible for Payger to recover it for You and You may permanently lose access to Your Digital Assets.

Your Private Key Information is necessary and is used to execute transactions using the Payger Software in any way. Without it You cannot access Your Funds anymore. Anybody who has access to Your Private Key Information is able to perform transactions and steal Your Funds stored in the Payger Software.

If You do not understand this paragraph then Echo Industries recommends that You learn more about Digital Assets based on Blockchain before using the Payger Software.

IF YOU LOSE ACCESS OF YOUR USERNAME, PASSWORD, SECURITY QUESTION AND ANSWER OR PIN AND YOU HAVE NOT SEPARATELY STORED A BACKUP OF YOUR PRIVATE KEY INFORMATION YOU ACKNOWLEDGE AND AGREE THAT ANY ASSET YOU HAVE ASSOCIATED WITH YOUR PAYGER ACCOUNT WILL BECOME FOREVER INACCESSIBLE.

7. No Control Over Your Blockchain Wallets

Echo Industries is not the creator of, and does not have any control over, any of Your Blockchain Wallets that hold Your Digital Assets that the Payger Software allows You to use. You shall be solely responsible for Your choice of and use of Digital Assets.

All transaction requests are irreversible. The authors of the Payger Software, employees and affiliates of Echo Industries, copyright holders of the Payger Software, and Echo Industries cannot retrieve Your Digital Assets and cannot guarantee transaction confirmation as they do not have control over the Blockchain Wallets connected to Your Payger Account.

8. User Obligations

You shall:
● Be of age of majority in Your local jurisdiction and have full capacity to contract under applicable law;
● Use legally-obtained Funds that belong to You;
● Not further, perform, undertake, engage in, aid, or abet any unlawful activity through Your relationship with Us or through Your use of Payger;
● Trade only between You and Echo Industries, and NOT to any third party;
● If You are a corporation, governmental organization or other legal entity (collectively “Principal“), have the right, power and authority to enter into this Agreement on behalf of Your Principal and bind Your Principal to these Terms;
● Be responsible for Your own Digital Assets;
● At all times have a sufficient amount of Funds in Your Payger Account. If You have an insufficient amount of Funds in Your Payger Account to complete a transaction or withdraw via Payger, We may cancel the entire transaction/withdraw or may fulfill a partial transaction/withdraw using the amount of Funds currently available in Your Payger Account, less any fees needed to perform the transaction/withdraw;
● Backup/write down Your Private Key Information and keep it private;
● Carefully safeguard Your password, PIN and security question and answer;
● Carefully review the list of supported Digital Assets before engaging in any transactions;
● Ensure that Your device(s) are fully updated and do not contain viruses, malware or otherwise malicious software;
● Ensure that Your use of the Payger Software complies with all applicable laws; and
● Be aware that the Payger Software functions as a digital wallet. The Payger Software does not constitute an account where We or other third parties serve as financial intermediaries or custodians of Your digital assets.
You shall not:
● Deposit Digital Assets into addresses for Digital Assets that are not supported by the Payger Software;
● Use the Payger Software in a manner likely to interfere with other Payger Software users or servers (e.g. excessive API calls or network spam); or
● Use the Payger Software in a manner contrary to the laws of the European Union, Germany or Your local laws.

9. You Warrant that You are not from a Prohibited Jurisdiction/ and not listed on a Blacklist:

It is prohibited to use or access Payger from the following jurisdictions:
● New York;
● Balkans, Belarus, Burma, Cote D’Ivoire (Ivory Coast), Cuba, Democratic Republic of Congo, Iran, Iraq, Lebanon, Liberia, Libya, North Korea, Sudan, Syria, Somalia, and Zimbabwe; or
● Any country to which the United States and Germany has embargoed goods or services;
It is prohibited to use or access Payger, if
Transactions from Users in these jurisdictions and/or on one of the abovementioned lists are prohibited, and Echo Industries may close any accounts in these jurisdictions or of persons on these lists at Our sole discretion. By accessing the Payger Software, You represent and warrant that You are not physically located in these prohibited jurisdictions or listed on one of these lists.

10. Deposits of Assets

Payger does not support any deposit of fiat currencies like Euro (€), U. S. Dollar ($) and others as Payger is a Wallet for “Digital Assets” / “Crypto Currencies” only. We are using partner bridges like www.blocktrades.us to facilitate the exchange and deposit Digital Assets to Payger wallets.

11. Your Transactions are NOT Private

When You choose to use the Payger Service, You are using a service of Echo Industries. We collect all relevant information and comply with all law enforcement requests and all legal requests.

All transactions and exchanges with Digital Assets are performed on public Blockchain´s and should be considered public transactions. Due to the nature of Blockchain technology all transactions to and from Payger are public visible via Blockchain Explorer. The Blockchain Explorer reveals basic information like time, sender, receiver, amount, currency of the involved wallet addresses. To protect Your privacy against financial espionage and bad actors We do not register Your Payger ID at any Blockchain and use random generate wallet addresses instead. E.g. You are a merchant with the Payger username “pariscafe” your blockchain wallet address could be “payger-1234567890” or a similar hash.

12. Exchange Rates and Confirmations

Payger Users can exchange Digital Assets at the BitShares Decentralized Exchange. The estimated exchange rate provided by the Payger Software for potential exchanges are based on the particular pair of Digital Assets, the stated amount of the proposed exchange, and that particular point in time. The exchange rate We can offer is highly volatile and can change quickly. The exchange rate that You receive is calculated at the time Your intended transaction has sufficiently been confirmed into a Blockchain such that the Payger Software considers the transaction irreversible, not when We first see the transaction.
Changes in the amount of the proposed exchange can radically effect the exchange rate.
● If You send in an amount that is smaller than the normal transaction fees imposed by the relevant Blockchain´s, then You will not receive a pay out.
● If You send in a much larger trade than the proposed trade, You may receive a worse rate of return.
● If You send in a trade that exceeds the maximum recommended amount, then We may not have enough of the desired Digital Asset to immediately complete the trade, in which case We reserve the right to process Your trade at a later time at the applicable exchange rates of that time or refund the Funds You sent.

13. Transfers / Make Payments

The only authentic record of Digital Assets transactions made with Payger is the applicable Blockchain. The Payger Software provides functionality that allows You to send Digital Asset transfer instructions.

Echo Industries does not guarantee that transactions You perform using the Payger Software will be stored in any Blockchain. You must ensure that Your transactions are compliant with all applicable rules of the respective software for the respective Digital Asset of Your intended transaction (especially with smart contract systems like Ethereum). There may be transaction fees (e.g. mining fees) associated with Digital Asset transactions that are required by the system You engage with. Echo Industries shall not be responsible for any losses You incur due to transaction fees or losses that occur due to incorrectly set transaction fees (i.e. too low or high).

For payments to other Payger Users, You must provide Us with their Payger ID, e-mail, phone number or wallet address unless You have already transferred Funds with Payger to these Payger Users. In the latter case, You can select them from Your list of Payger contacts. You must provide Us with the amount and (if applicable) the currency/Digital Asset/virtual currency of the desired transfer. We will provide You with a summary of the transfer order and ask You to confirm the transfer by entering Your PIN and clicking on the “Send” button.

14. Receive Payments

If other Payger users transfer money to You, these Funds are immediately displayed in Your Payger Wallet overview.

You can request payments from someone else who is not using Payger (“Prospective Payger User”) yet by providing the e-mail address of the Prospective Payger User or mobile phone number. You must specify the amount and, if applicable, the [currency/Digital Asset/virtual currency] of the requested amount. We will send a notification by e-mail about Your payment request to the respective Prospective Payger User. The Prospective Payger User must register a Payger Account to transfer the requested amount. The amount You have requested will not appear in Your Payger Wallet overview until the Prospective Payger User has registered as a Payger User and confirmed the transfer. You can reverse the receivable at any time before the Prospective Payger User makes the transfer. In Your transaction history, You can see whether the Prospective Payger User instructed the transfer of the requested amount.

15. Withdraw

Payger does not support any withdraw of fiat currencies like Euro (€), U. S. Dollar ($) and others as Payger is a Wallet for “Digital Assets” / “Crypto Currencies” only. You may withdraw Digital Assets to a regulated Exchange to get fiat currencies like Euro (€), U. S. Dollar ($) paid out to your Bank account. We are using partner bridges like www.blocktrades.us to facilitate the exchange and withdraw Digital Assets to other blockchain wallets.

16. Withdraw Time Schedule

The withdraw time schedule depends on the receiving blockchain wallet and their blockchain characteristics. Some blockchain have confirmation times from a few seconds, others from up to 10 minutes and more.

17. Fees

Amount of Fees. You agree to pay Echo Industries the fees for exchanges / withdraws completed via Our Services (“Fees“) as made available via the Fees and Pair Info (“Fee Schedule“) which We may change from time to time. Changes to the Fee Schedule are effective as of the effective date indicated in the posting of the revised Fee Schedule to Our Services, and will apply prospectively to any exchanges / withdraws that take place following the effective date of such revised Fee Schedule.
Third-Party Fees. In addition to the Fees, Your External Account may impose fees in connection with Your use of Your designated External Accounts via the Payger Services. Any fees imposed by Your External Account providers will not be reflected on the transaction overviews containing information regarding applicable Fees. You are solely responsible for paying any fees imposed by any External Account provider.
Payment of Fees. You authorize Us, or Our designated payment processor, to charge or deduct Your Funds stored in Your Payger Account for any applicable Fees owed in connection with exchanges / withdraws You complete via the Payger Services. So You pay the Fees only from your Digital Funds in case of exchange or withdraw.

18. Communication / Notices

You agree and consent to electronic receipt of all communications that We provide in connection with the Payger Services. We will provide communications to You by emailing them to You at the primary email address listed in Your Payger Account profile or by sending a SMS to the phone number listed in Your account profile or by In-App Push Notification (“User Contact Information“). All Our communication is secured by HTTPS.

You will be notified at the following occurrences if You have opted in before the occurrence in Your Payger Account. You may select each single of the following notifications to be sent per email and/or SMS and/or In-App Push Notification.

● Transactions
● Deposit
● Transfer
● Withdraw
● Exchange
● News
● App updates
● Security
● Login
● Password change
● Email change
● Phone number change

It is Your responsibility to keep Your User Contact Information on file up to date with Payger so that Payger can communicate with You electronically. You understand and agree that if Payger sends You an electronic communication but You do not receive it because Your User Contact Information on file is incorrect, out of date, blocked by Your service provider, or You are otherwise unable to receive electronic communications, it will be deemed that You have received this communication. Please note that if You use a spam filter that blocks or re-routes emails from senders not listed in Your email address book, You must add Payger to Your email address book so that You will be able to receive the communications We send to You. You can update Your email address, mobile phone number or street address at any time by logging into Your Payger Account.

If Your email address or mobile phone number becomes invalid such that electronic communications sent to You by Payger are returned, Echo Industries may deem Your account to be inactive, and You may not be able to complete any transaction via Our Services until We receive a valid, working email address or mobile phone number from You.

19. Digital Asset Exchange

You can exchange Digital Assets in Payger to other Digital Assets by using the exchange function on the Payger Dashboard (“Digital Asset Exchange“).

The Digital Asset which You are able to purchase and store in Your Payger Wallet are limited to those set out on the Payger Dashboard and are subject to change from time to time without Us being required to provide You with notice.

You will be informed, on the Payger Dashboard, prior to sending Your request to enter into the Digital Assets Exchange of the following information:

● the amount of Digital Asset You will use to purchase the amount of Digital Asset in Your required cryptocurrency;
● the amount and cryptocurrency of the Digital Asset You wish to purchase; and
● the exchange rate of the Digital Asset Exchange.

In order to submit the request to enter into the Digital Asset Exchange, You will need to confirm the details which have been entered by hitting the “Exchange” button on the relevant part of the Payger Dashboard.

By entering into these Terms, You accept sole responsibility for entering into the Digital Asset Exchange. Echo Industries will not be responsible for any losses You incur as a result of Your use of the Digital Assets Exchange function.

The request to enter into a Digital Asset Exchange will be accepted when We confirm to You that the Digital Asset Exchange has been entered into, on the Payger Dashboard.

The amount of Digital Asset You can exchange is limited to the BitShares Decentralized Exchange. Please refer to the Fees Section for more information on the BitShares Dezentralized Exchange. It is Your responsibility to stay informed of any changes to the limits and fees applied to any exchanges at the BitShares Decentralized Exchange.

20. Limited Intellectual Property License

You agree and acknowledge that We own all right, title and interest to and in the Payger Software, the Payger Services, the associated software, technology tools and content, the Payger website, the content displayed on the website, and other materials produced by and related to Payger (collectively, the “Payger IP“). You are only permitted to use the Payger Services and the Payger IP to accept and receive payments, according to these Terms. When You accept the Terms, We grant You a personal, limited, revocable and non-transferable license to use the Payger IP, without the right to any Payger IP or any portion thereof, or use the Payger IP as a component of or a base for products or services prepared for commercial sale, sublicense, lease, access or distribution.

You are not permitted to re-distribute the Payger Software, modify any code, translate, reverse engineer, decompile, disassemble or otherwise create derivative works from the Payger Software or documentation or use any Payger Software content, including images and text, as part of any other software or project of any kind.

You must obtain Echo Industries written permission before acting contrary to copyright law or the terms of this clause.

21. Trademarks

“Payger” with the Payger logo, and any other product or service names, logos or slogans that may appear on Our Services are trademarks of Echo Industries, in the European Union and may not be copied, imitated or used, in whole or in part, without Our prior written permission. You may not use any trademark, product or service name of Echo Industries without Our prior written permission, including without limitation any meta tags or other “hidden text” utilizing any trademark, product or service name of Payger. In addition, the look and feel of Our Services, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Payward and may not be copied, imitated or used, in whole or in part, without Our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned through Our Services are the property of their respective owners. Reference to any products, services, processes or other information, by name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation by us.

22. Third Party Integrations

The Payger Software integrates with third party services that You may choose to use, for example, Shapeshift and/or Blocktrades. If You do use third party services through Payger then they will be clearly marked and there may be other terms or privacy policies that apply. Although the Payger Software makes it easy to engage with integrated third parties, Echo Industries shall not be responsible for any consequences resulting from Your use of third party integrated services.

Exchange rates, balances, transactions and other Blockchain information may be read from, or relayed to third party servers. We cannot guarantee the privacy of Your Internet connection.

We expressly disclaim any liability for the third party services and are not responsible for the performance of the third party services or third party services providers.

23. Security Measures

We have implemented security measures designed to secure Your information from accidental loss and from unauthorized access, use, alteration or disclosure. However, We cannot guarantee that unauthorized persons will never gain access to Your information, and You acknowledge that You provide Your information at Your own risk, except as otherwise provided by applicable law.

24. Third Party Libraries

The Payger Software contains libraries developed by third parties. Echo Industries may provide third party libraries to You as part of the Payger Software solution but shall not be considered to be the owner or licensor of such third party libraries. Please refer to and respect the relevant third party licenses.

25. Submitted Feedback & Ideas

If You choose to provide feedback on the features or functions of the Payger Software (“Submitted Feedback”) then You shall be deemed to have given permission to Echo Industries to incorporate Your Submitted Feedback into the Payger Software. Echo Industries shall be free to make use of Your Submitted Feedback without royalty or obligation of any kind.

26. Specifically Disclaimed Risks

Using Digital Asset-related software necessarily entails many risks. Echo Industries specifically disclaims and shall have no liability to You for all risks that do not have its reason in the Payger Software, including, but not limited to, the following risks:

a. User Operating system failures (mobile or desktop);
b. Interactions between Your hardware, software and the Payger Software;
c. Cloud backup software (e.g. certain Android distributions) may upload Your private files/information to third party services;
d. Malware, viruses or other malicious software on Your device that is able to take control of or interfere with the Payger Software;
e. Communication delays between Your Payger Software and a node or relay service for a Digital Asset (and vice versa);
f. Failure to achieve a certain market value/price for a Digital Asset, whether through a third party service or any other kind of transaction (i.e. due to delays); and
g. Theft of Digital Assets.

27. Closing Your Account

If Your Payger Account is closed, You agree

a. To continue to be bound by these Terms, as required by Section 55,
b. To withdraw Your Funds from Your Payger Account,
c. To immediately stop using the Payger Services,
d. That the license provided under these Terms shall end,
e. That We reserve the right (but have no obligation) to delete all of Your information after 10 years as required by financial directives and GDPR directive and account data stored on Our servers, and
f. That We shall not be liable to You or any third party for termination of access to the Payger Services or for deletion of Your information or account data.

These Terms apply only for as long as You use the Payger Services. Once You cease using the Payger Services, these Terms no longer apply, subject to Section (Survival). You may close Your Payger Account at any time. You will still be obligated to Us for any fees incurred, if applicable, before the closure and We will remit to You Funds not yet paid to You and associated with pre-closure sales. If Your account balance is below Our documented minimum transfer amount, You may be responsible for any applicable transactions fees that may be incurred in the Funds transfer.

28. Termination

We may terminate Your account, at Our sole discretion at any time without any notice period, upon notice to You via email communication. We may also suspend Your access to the Payger Services if We suspect that You have failed to comply with these Terms, pose an unacceptable fraud risk to us, or if You provide any false, incomplete, inaccurate or misleading information. We will not be liable to You for any losses that You incur in connection with Our closure or suspension of Your account. Additionally, if Your Merchant account does not have a paid transaction for more than twelve consecutive months, Payger reserves the right to suspend Your account, disabling processing capabilities.

29. Amendment

We may update or change these Terms from time to time by posting the amended Terms on Our website. Such updates or changes shall be effective upon the lapse of a period of 30 days after We have notified You of the changes (“Notice Period“). If You do not agree to the amended Terms, You must close Your Payger Account of this Agreement and discontinue Your use of the Payger Services. If You continue to use the Payger Services after the lapse of the Notice Period, Your continued use shall be deemed as an acceptance of the amended Terms and as an agreement to be bound by them.

30. Privacy Policy

Please see Our Privacy Policy for information regarding how We collect and use information. The Privacy Policy is part of these Terms, so please make sure that You read it.

31. Registration/Login

a. Generally
In order to use the Payger Services, You must open a Payger Account. When You open a Payger Account, We will ask You for contact information such as Your name, phone number, email address, date of birth, country of residence, home address, street, zip code, country, passport copy, proof of address. For Merchants accounts We need additional information relating to the ultimate beneficial owner or the most senior individual from Your organization. We will also ask You for information on Your business, including Your business’s legal name or Doing Business as “DBA” physical address of the business, and Your organization’s website. The information that You provide at the time of account opening must be accurate and complete and You must inform Us within ten business (10) days of any changes to such information. We may require additional information from You (including any person signing below or otherwise agreeing to the Terms on behalf of the Merchant) to help verify Your identity and assess Your business risk, such as Your date of incorporation, tax identification number, or government-issued identification. We may also obtain information about You from third parties, such as credit bureaus and identity verification services. We have the right to reject Your account registration or to later close Your Payger Account, if You do not provide Us with accurate, complete, and satisfactory information.

b. Merchant Tiers.
Payger imposes daily transaction processing limits on Merchants. When You register for a Payger Account, You will be required to select the limit (“Tier“) that will apply to Your Payger Account, and to provide Us with the documentation necessary to qualify for that Tier.

A description of the Tiers, as well as a list of the documentation required to qualify for each, is available on the help Section of Our Website.

For certain industries, We may ask for additional verification documents. Your Payger Account will not be activated until We have reviewed the documentation that You provide, in accordance with applicable law. If You wish to change to a Tier with a higher limit, You must provide Us with the additional required documentation. We will not approve Your request to change Tiers and permit You a greater processing volume unless and until We have reviewed Your documentation to Our satisfaction. Please also refer to Section [2.a)] (Daily Transaction Volume Limits) of the Additional Terms for Merchants.

32. Verification of Your Identity

We will comply with all applicable KYC/AML requirements, which require Us to verify its Users and Merchant identities, maintain records of currency transactions for up to ten years as required by German law and report certain transactions. In the event that a Merchant account is closed by Us or at the request of the Merchant, even without completing the onboarding process or performing a transaction, records must be held as prescribed by law.

33. Suspension or Closure of Wallets/User-Accounts by Us

We may, in Our sole and unrestricted discretion and without liability to You or any third party, refuse to open an account or suspend use of Your account or one or more services if We have reason to believe that

i) Third parties attempt to use Your Payger Account without Your consent,
ii) The security of Your account is compromised; or
iii) We are legally obliged to do so.

If You have any remaining Funds in Your Payger Account that have been blocked or cancelled, You may recover the balance unless this is prohibited by law or court order or We have determined that these Funds were fraudulently obtained. It is at Our sole discretion how such balance will be delivered to You after We have opted for a refund. We reserve the right to request additional identification information from You before granting such a refund or transfer request. And We reserve the right to delay or prohibit such repayment or transfer if We believe that fraudulent or illegal acts have occurred. If You are unable to log into Your account, You must contact support to make a withdrawal.

If You use Payger to commit a crime or otherwise use Your account in violation of this Agreement, We may close Your account. When Your account is closed, We may require You to undergo further identity checks and fraud prevention measures to access the Funds in that closed account.

34. Closing of Account by User

You may terminate this Agreement at any time by closing Your account and not using Our services anymore. Upon termination of this Agreement or Your Account, You will continue to be responsible for all payment transactions initiated during the existence of the Account. Accounts must not be closed with the aim of preventing investigations. Closing of Wallets / User Accounts is free of charge for the User.

35. Camera Data

Your camera will only be used for reading QR codes. Camera images will never leave Your device.

36. Physical Location

Your physical location will never be communicated to us, unless You provide prior specific consent.

37. Public Blockchain Transactions

Your Blockchain transactions may be relayed through servers (“nodes”) and will be publicly visible due to the public nature of distributed ledger systems.

38. Mobile Payger Services

To the extent that You access the Payger Services from a mobile device, the standard charges, data rates and other charges of Your mobile operator may apply. In addition, downloading, installing or using certain mobile applications may be prohibited or restricted by Your mobile operator, and not all services are compatible with all mobile operators or devices. If You use mobile services, You agree that We may communicate with You via SMS, MMS, push notification and/or other electronic means via Your mobile device and that We may receive certain information about Your use of the services. In the event that You change or deactivate Your mobile phone number, You agree to update Your account information immediately to ensure that Your messages are not sent to people who may have Your old mobile phone number.

39. Aggregate Usage Statistics

We may collect Payger usage information in order to improve function or UI, but will only use this information in an aggregated, anonymized fashion, and never in association with Your name, email, or other personally identifying information (“Personally Identifying Information“).

40. Optional Extra PII (“Personally Identifying Information”)

Used for KYC/AML.

41. Confidentiality of User Information

Your personally identifying information will be kept strictly confidential and never provided to third parties (other than in an aggregated, anonymized report such as number of users per month). All Payger staff are bound by confidentiality agreements.
In case of Governmental requests regarding money laundering and terrorism financing, We share the necessary information to support the investigation of the authorities.

42. Support Requests

If You contact support then as part of the support request We may incidentally collect Your personally identifying information but We will endeavor to keep that information secure and confidential.

43. Fair Use Policy

Our mission is to save You as much money as possible. Certain of Our Services are costly to Us because of third party fees. For these Payger Services We offer a monthly free usage limit, after which We charge a small, fair fee to cover Our costs.

You agree that You will not:
● Use Our Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying Our Services, or that could damage, disable, overburden or impair the functioning of Our Services in any manner;
● Use Our Services to pay for, support or otherwise engage in any illegal gambling activities; fraud; money-laundering; or terrorist activities; or other illegal activities;
● Use any robot, spider, crawler, scraper or other automated means or interface not provided by Us to access Our Services or to extract data;
● Use or attempt to use another user’s account without authorization;
● Attempt to circumvent any content filtering techniques We employ, or attempt to access any service or area of Our Services that You are not authorized to access;
● Develop any third party applications that interact with Our Services without Our prior written consent;
● Provide false, inaccurate, or misleading information; or
● Encourage or induce any third party to engage in any of the activities prohibited under this Section.

44. Disclaimer / No Warranty

The Payger Software is provided to You at no cost, “as-is” and without any warranty whatsoever, to the maximum extent permissible by law. Without limiting the generality of the foregoing, Echo Industries does not warrant that the Payger Software is fit for Your purpose, even if You have previously provided notice of Your intended purpose, and does not warrant that the Payger Software will operate in a bug-free manner.

45. User Liability

● Except where You have acted fraudulently, You will not be liable for any losses exceeding 500 Euro incurred in respect of a transaction which was not authorised by You which occurs after You have notified us, without undue delay, on becoming aware of the loss, theft, misappropriation or unauthorised use of the Payger Account which relates to those losses. You can notify Us via Our support channels and directly via email at info@payger.com.
● You are responsible for all liabilities, financial or otherwise, incurred by Echo Industries or a Payger User, or a third party caused by or arising out of Your breach of these Terms, Your use of the Payger Services, and any use of Your Payger Account. You agree to reimburse Echo Industries or a third party for any and all such liability, to the extent not prohibited by applicable law.
● You remain liable under these Terms in respect of all charges and other amounts incurred through the use of the Payger Services at any time, irrespective of termination, suspension or closure.
● You alone are responsible for understanding and complying with any and all laws, rules and regulations of Your specific jurisdiction that may be applicable to You in connection with Your use of the Payger Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions. You are liable to the state and other subjects for fulfilment of all tax obligations independently. Echo Industries shall not be responsible for the execution of tax obligations, or calculation and transfer of taxes applied You.
● You agree to defend, reimburse or compensate Us (known in legal terms to “indemnify”) and hold Echo Industries, Our third party providers, Our employees or agents who are authorised to act on Our behalf harmless from any claim or demand (including legal fees) made or incurred by any third party due to or arising out of Your breach of these Terms, breach of any law and/or use of the Payger Services.

46. Taxes

You are responsible for determining any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection Your use of Our software and services (“Taxes“). You also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will We determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.

47. Limitation of Liability

Claims for compensation resulting from breaches of contractual duties by either Party are excluded unless such claims are based on gross negligence or willful misconduct, breach of Cardinal Obligations (as defined below), or personal injury, injury to life or health caused by either Party, its vicarious agents or persons employed by it in the performance of its obligations. If a Party is liable for breach of Cardinal Obligations based on other theories of liability, the claim for compensation of financial damages and damage to property is limited to typically foreseeable losses and excluding liability for production stoppages or lost profit or loss of goodwill. This limitation on liability applies accordingly to claims in tort. The liability under the German Product Liability Act remains unaffected. “Cardinal Obligations” are those obligations which are essential for the orderly implementation of this Agreement in the first place and upon the due observance of which the contractual partner regularly trusts and may regularly trust.
To the extent permitted by applicable law, Echo Industries is not liable, and You agree not to hold it responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly:
● For the correct execution of a transfer of Digital Assets, if We can prove to You (and where relevant, to any payee’s payment services provider) that the payee’s payment services provider received the payment within the appropriate time period. We will however, upon Your request, make efforts to trace any non-executed or defectively executed payment transactions, notify You of any outcome involving Our search and may charge You for doing so, including passing on to You charges made by third parties for their assistance in the recovery process;
● From non-execution or defective execution in relation to a transaction You have made in accordance with a unique identifier given by You which proves to be incorrect. However, We shall make reasonable efforts to recover Funds involved in that transaction and may charge You for doing so, including passing on to You charges made by third parties for their assistance in the recovery process;
● From delay or failure to perform Our obligations under these Terms (including any delay in payment) by reason of any cause beyond Our reasonable control including but not limited to any action or inaction by You or any third party, any Force Majeure Event (as defined below), Blockchain delay, Blockchain failure, bank delay, postal delay, failure or delay of any fax or electronic transmission, any accident, emergency, act of god or any abnormal or unforeseeable circumstances;
● From consequential or indirect loss (such as loss of profits or opportunity) You may incur as a result of Us failing to perform Our duties under a Payger Transaction; or
● From losses as a result of a requirement imposed on Us by any mandatory law.
● From Your inability to use the Payger Services for whatever reason;
● From Viruses or other malicious software obtained by accessing the Website or any associated site or service;
● From Glitches, hacks, bugs, errors, or inaccuracies of any kind in the Payger Services; the content, actions, or inactions of third parties;
● From a suspension or other action taken with respect to Your Payger Account;
● From Your need to modify practices, content, or behaviour, or Your loss of or inability to do business, as a result of changes to these Terms or Payger’s policies; or
● From Illegal actions and operations of third persons performed using counterfeited and/or illegal documents or illegally received data.

48. Higher Force / Force Majeure

Neither You nor We will be liable for delays in processing or other non-performance caused by force majeure, including, but not limited to, such events as fires, telecommunications, utility, or power failures, equipment failures, labor strife, riots, war, nonperformance of Our vendors or suppliers, acts of god, or other causes over which the respective Party has no reasonable control; provided that the Party has procedures reasonably suited to avoid the effects of such acts (“Force Majeure Event“).

49. Non-Waiver

No action or inaction of Echo Industries shall be considered as a waiver of any right or obligation by Echo Industries.

50. Assignment

You may not assign Your rights and obligations arising from this Agreement. Echo Industries may assign its rights and obligations arising from this Agreement.

51. Governing Law and Choice of Forum

This Agreement shall be governed by the laws of Germany under exclusion of its conflict of law rules. Any disputes related to this Agreement or the Payger Software shall be heard in the courts of Munich, Germany.

52. Severability

In the event any court shall declare any Section or Sections of this Agreement invalid or void, such declaration shall not invalidate the entire Agreement and all other clauses of this Agreement shall remain in full force and effect.

53. Binding Agreement

The terms and provisions of this Agreement are binding upon Your heirs, successors, assigns, and other representatives.

You assume any and all risks associated with the use of the Payger Software. We reserve the right to modify this Agreement from time to time.

54. Survival

The provisions of Sections 3.4 (Representations and Warranties), 4.2 (Security), 6 (Payger Service), 7 (Advertising), 8.5 (Certain Deferrals), 11 (Indemnification), 12 (No Warranties), 13 (Limitation of Liability), and 14.8 (Governing Law) shall survive the termination of these Terms.

55. Entire Agreement

This is the entire Agreement between the Parties and supersedes any other agreement, representations (or misrepresentations), or understanding, however communicated.

Effective Date: May 20, 2018

Provided that You are a Merchant the following provision shall apply additionally for Your use of the Payger Software.

1. The Payger Services

We are a Blockchain payment service processor. We enable You to accept Digital Assets as payment for goods or services, and process Digital Assets payments that You receive from Your customer (“Purchaser“). We are also a crypto exchange and a crypto wallet.

Our Services are only available to businesses that sell products or services or to registered charitable organizations that accept donations. By using the Payger Services, You acknowledge that You are responsible for Your actions and comply with applicable law. At no point in time are We Your agent, hold or disburse any Funds on Your behalf. We have absolutely no access to Your private keys and Your Funds.

2. Your Sales

a. Daily Transaction Volume Limits
Payger imposes daily and annual transaction processing limits on Merchants. When You register for a Payger Account, You will be enabled to transact at the Basic Tier level. At Echo Industries´ discretion, and based on Echo Industries´ risk assessment of Your business, transaction capabilities may not be enabled until additional documentation or information regarding You and Your business is collected and verified. Requests to increase Your processing limit will not be approved unless and until We have reviewed Your documentation to Our satisfaction and have confirmed the accuracy and authenticity of the information therein.

b. Invoices and Records
You must keep all records needed for the delivery of the goods or the rendering of the services purchased by the Purchaser using the Payger Software and providing any post-sale support to the Purchaser. If the sale of the item requires any government registration of the sale, You are responsible for such registration. Payger provides You the tools to maintain records of all documentation and information collected for Your Merchant account activity for the duration that Your account is active, and up to 10 years thereafter.

c. User Verification
Consistent with Your local laws and regulations, You are solely responsible for obtaining any information required of Your Purchasers. For instance, if applicable law prohibits a sale to persons under the age of 18 years, You must ensure that a Purchaser is at least 18 years of age. Similarly, if applicable law requires that a Purchaser’s identity be verified, You must verify the Purchaser’s identity. We will not be responsible for Your failure to adequately verify Your Purchasers’ identities or qualifications.

d. Representation and Warranties
Use of the Payger Services is subject to the laws and regulations of Germany regarding the prevention of terrorist financing and anti-money laundering. You agree, acknowledge and confirm that Your use of the Payger Services is in compliance with all applicable such laws and regulations.

Your use of the Payger Services is also subject to the following important restrictions:

a) You are at least eighteen (18) years old or older and have the right, power and contractual capacity to agree to these Terms.

b) Your use of the Payger Services will not contravene any applicable international state or local law or regulation, including applicable tax laws and regulations.

c) Your use of the Payger Services will not relate to the following prohibited activities:

i) Sales of narcotics, research chemicals or any controlled substances;
ii) Sales of cash or cash equivalents, including items used for speculation or hedging purposes (such as derivatives), and the sale or trade of cryptocurrencies;
iii) Sales of items that infringe or violate any intellectual property rights such as copyrights, trademarks, trade secrets, or patents;
iv) Sales of ammunition, firearms, explosives (including fireworks), or weapons regulated under applicable law or as determined by us; or
v) Transactions that show the personal information of third parties in violation of applicable law;
vi) Transactions that support pyramid, Ponzi, or other “get rich quick” schemes;
vii) Transactions that are related to cloud-mining;
viii) Provide credit repair or debt settlement services;
ix) Provide any services which compete with Payger;
x) Sales of explicit sexual content; or
xi) Sales of Kratom or Nootropics.

d) If Your use of the Payger Services relates to one of the following restricted activities, Your activities are subject to internal review and You are only allowed to transact when expressly authorized by Payger in writing:

i) Engaged in Foreign Exchange, Money Service Business activities (as defined by the Financial Crimes Enforcement Network of the United States Department of the Treasury) or E-wallets;
ii) Engaged in selling cryptocurrency mining hardware;
iii) Providing Currency exchange services;
iv) Transactions that are associated with purchases of annuities or lottery contracts, lay-away systems, banking, offshore banking, transactions to finance, investing, investment related products; or
v) Transactions that involve gambling or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, and sweepstakes, unless You have obtained Our prior written approval and You and Your customers are located exclusively in jurisdictions where such activities are permitted by law.

e. Our Right to Reject
We reserve the right to decline to process a transaction if We reasonably believe that it violates these Terms or would expose You, other Merchants, Purchasers, or other third parties to harm. If We reasonably suspect that Your Payger Account has been used for an illegal purpose, You authorize Us to share information about You, Your Payger Account, and Your account activity with law enforcement.

3. Merchant Fees

See our fee schedule here.

4. Invoices & Settlement

Payger’s hosted invoice UI shall be used. To create an invoice for Your Purchaser, You may post a request to Echo Industries to collect a specific amount in Your local Fiat currency, such as U. S. Dollars or Euros, or in any of the supported Digital Asset. Payger will retrieve the exchange rate from third party providers, where applicable, and provide the payment instructions to You for You to display to the Purchaser. For more information about how Payger calculates the exchange rates and factors in market depth, please refer to Payger.com exchange rates.

We do not guarantee the exchange rate to You as long as the Purchaser has completed the payment, so the exchange rate may be different at the time of execution.

While We do not guarantee the exchange rate as long as the Purchaser has completed the payment within such time window, You agree that You assume the volatility risk of Your local Fiat currency or the applicable Digital Asset.

5. Methods of Settlement

We will verify the Purchaser’s payments over the Blockchain peer-to-peer payment network and post the balance to Your Payger Account, according to Your preference settings.

You can receive a settlement in any of the supported cryptocurrencies. You assume volatility risks of the currency in which You choose to settle. For example, if You choose to settle in bitcoin, then You assume the volatility risk of the bitcoin value.

DISCLOSURE:
While there are also material risks from accepting various forms of payment (such as cash, other fiat currencies, network card payments, other proprietary electronic payments and alternative virtual currency payments including Ethereum, Dash, Steem and Bitshares), Echo Industries is disclosing the following material risks of virtual currency.

6. Settlement in Local Currencies

We do not offer a settlement in local Fiat currencies.

7. Settlements in a Supported Digital Asset

Any supported Digital Asset accepted by Payger on Your behalf must be settled to a cryptocurrency wallet that You provided. Payments in any of the supported cryptocurrencies are sent to Your designated wallet address, at least once per calendar day. Payger is not liable for any losses incurred as a result of improperly reported or designated wallet addresses that You provide.

8. Refund Reserve

to be announced soon

9. Settlement Minimum

to be announced soon

10. Payment Exceptions

In certain situations when an invoice is not fully paid or overpaid, it will result in a payment exception. You can resolve payment exceptions from the Payger Merchant Dashboard.

Payger incurs miner fees to refund a payment. If the Purchaser requests a refund for a payment exception, Payger will deduct the miner fees from the refund amount.

11. Underpayments

Underpayments occur when the Purchaser sends less than the full amount required to mark the invoice as fully paid. Since the invoice is not fully paid or complete, the Funds do not get applied to the Merchant ledger. Payger will send an email to the Purchaser allowing the Purchaser to request a refund for the partial payment. The Purchaser also has the ability to request a refund of the partial payment directly from the invoice.

12. Overpayments

Overpayments occur when an invoice receives excess Funds. In cases such as this, this invoice passes through the state of being paid in full and is marked as an overpayment. Once the invoice is status is “complete”, the Funds to mark the invoice as fully paid are applied to the Merchant ledger. However, the excess Funds are not applied.

Payger will send an email to the Purchaser allowing the Purchaser to request a refund for the excess Funds. The Purchaser also has the ability to request a refund of the excess Funds directly from the invoice.

13. Unsupported Payments

For an overview of the currently supported Digital Assets, please refer to https://payger.com.

Unless explicitly mentioned on Our website or in Our Terms, We do not support or process payments for unsupported payments, coins, or Blockchains. Purchasers should not pay any Payger invoice or send unsupported payments to a Payger address.

(Echo Industries assumes absolutely no responsibility whatsoever in respect to unsupported payments. If a Purchaser transmits an unsupported payment, the Purchaser may lose any perceived value in the unsupported payment. Additionally, You and the Purchaser agree that Echo Industries assumes no responsibility whatsoever in respect to that unsupported payment and You and the Purchaser will not be able to recover the unsupported payment from Payger.)

14. Certain Deferrals

If We need to conduct an investigation or resolve any pending dispute related to Your Payger Account, We may delay the settlement of Your Funds or restrict access to Your Funds while We do so. Additionally, We may delay settlement of Your Funds or restrict access to Your Funds if required to do so by law, court order or at the request of law enforcement.

15. Account Information

You will have access to account information detailing Your ledger and transaction and settlement history through Your Merchant account. Should You identify an error, You must notify Us within thirty (30) calendar days of the ledger entry posting.

16. Refund Procedures

Payger can facilitate Digital Assets refunds. You can decide to issue a partial refund or refund the full amount of the initial purchase. If You do not have enough Funds in Your Payger Account to cover the refund, Payger may require You to deposit a supported Digital Asset to Payger to cover the refund to the Purchaser. Any required Digital Asset conversion during the refund process will be calculated at a spot rate determined by Payger, following the guidelines found here: payger.com.

17. Refund of Payment Exceptions

to be announced soon

18. Disclosure of Your Refund Policy

Echo Industries is not responsible for Merchant refund policies. We do suggest Merchants have a clear refund policy for their customers (including, if applicable, “no refunds are allowed as all sales are final”). For certain industries, a refund policy may not be applicable (e.g. where a service is provided). If refunds are permitted, We recommend You to refund the amount of the initial purchase in the currency in which the item was priced.

If Refunds in Digital Assets are not possible. The value cannot be “returned to the senders address”. If You do so, You will lose the sent values.

For returning values You have to request a Payger ID address from the person who shall receive the refund. The person needs to fully register a Payger Account for a complete refund process.

19. Purchaser Complaints

Purchasers filing complaints with Payger about a purchase will be forwarded to You for resolution. Echo Industries reserves the right to terminate accounts which receive excessive complaints.

Effective Date: May 24, 2018

Data Protection Declaration According to the DSGVO

I. Name and Address of the Person Responsible

The person responsible within the meaning of the Basic Data Protection Regulation and other national data protection laws of the member states as well as other data protection regulations is:

Echo Industries GmbH
Christoph Hering
Lipovsky street 10B
81373 Munich

Phone number: 01721578238
E-mail address: info@payger.com
Website: https://payger.com

II. General Information on Data Processing

1. Scope of Processing of Personal Data
We only process personal data of our users if this is necessary to provide a functional website as well as our contents and services. The processing of personal data of our users takes place regularly only after consent of the user. An exception applies in those cases where prior consent cannot be obtained for real reasons and the processing of the data is permitted by law.

2. Legal Basis for the Processing of Personal Data
Insofar as we obtain the consent of the data subject for the processing of personal data, Art. 6 para. 1 lit. a EU Data Protection Ordinance (DSGVO) serves as the legal basis.
In the processing of personal data required for the performance of a contract to which the data subject is a party, Art. 6 para. 1 lit. b DSGVO serves as the legal basis. This also applies to processing operations that are necessary to carry out pre-contractual measures.
Insofar as the processing of personal data is required to fulfil a legal obligation to which our company is subject, Art. 6 para. 1 lit. c DSGVO serves as the legal basis.

In the event that the vital interests of the data subject or another natural person require the processing of personal data, Article 6(1)(d) DSGVO serves as the legal basis.
If processing is necessary to safeguard a legitimate interest of our company or a third party and if the interests, fundamental rights and freedoms of the data subject do not outweigh the first-mentioned interest, Art. 6 para. 1 lit. f DSGVO serves as the legal basis for processing.

3. Data Erasure and Storage Time
The personal data of the person concerned will be deleted or blocked as soon as the purpose of storage ceases to apply. Furthermore, data may be stored if this has been provided for by the European or national legislator in EU regulations, laws or other provisions to which the person responsible is subject. The data will also be blocked or deleted if a storage period prescribed by the aforementioned standards expires, unless there is a need for further storage of the data for the conclusion or fulfilment of a contract.

III. Provision of the Website and Creation of Log Files

1. Description and Scope of Data Processing
Every time You visit our website, our system automatically collects data and information from the computer system of the calling computer.
The following data is collected:

● Information about the browser type and version used
● The user’s operating system
● The user’s Internet service provider
● The IP address of the user
● Date and time of access
● Websites from which the user’s system reaches our website
● Websites accessed by the user’s system through our website

The data is also stored in the log files of our system. This data is not stored together with other personal data of the user.

2. Legal Basis for Data Processing
The legal basis for the temporary storage of data and log files is Art. 6 para. 1 lit. f DSGVO.

3. Purpose of Data Processing
The temporary storage of the IP address by the system is necessary to enable the website to be delivered to the user’s computer. For this the IP address of the user must remain stored for the duration of the session.

The data is stored in log files to ensure the functionality of the website. In addition, the data serves us to optimize the website and to ensure the security of our information technology systems. An evaluation of the data for marketing purposes does not take place in this context.

Our legitimate interest in data processing pursuant to Art. 6 para. 1 lit. f DSGVO also lies in these purposes.

4. Duration of Storage
The data will be deleted as soon as they are no longer necessary to achieve the purpose for which they were collected. In the case of the collection of data for the provision of the website, this is the case when the respective session has ended.
If the data is stored in log files, this is the case after seven days at the latest. Further storage is possible. In this case, the IP addresses of the users are deleted or alienated, so that an assignment of the calling client is no longer possible.

5. Possibility of Objection and Elimination
The collection of data for the provision of the website and the storage of data in log files is absolutely necessary for the operation of the website. Consequently, there is no possibility of objection on the part of the user.

IV. Use of Cookies

a) Description and Scope of Data Processing
Our website uses cookies. Cookies are text files that are stored in the Internet browser or by the Internet browser on the user’s computer system. If a user visits a website, a cookie may be stored on the user’s operating system. This cookie contains a characteristic character string that enables a unique identification of the browser when the website is called up again.

We use cookies to make our website more user-friendly. Some elements of our website require that the calling browser can be identified even after a page change.
The following data is stored and transmitted in the cookies:
● log-in information

We also use cookies on our website which enable an analysis of the user’s surfing behavior.
In this way, the following data can be transmitted:
● Frequency of page views
● Frequency of logins
● Frequency of FAQ article calls
● Frequency of article calls of the news

The user data collected in this way is pseudonymised by technical precautions. Therefore, it is no longer possible to assign the data to the calling user. The data will not be stored together with other personal data of the users.

When You visit our website, an information banner informs You about the use of cookies for analytical purposes and refers You to this data protection statement. In this context, there is also a note on how the storage of cookies can be prevented in the browser settings.
Whether the previous practice of the “opt-out solution” meets the requirements of Art. 6 para. 1 letter f DGVO cannot be said with certainty at present. The planned e-privacy regulation could provide clarity in this respect. Until then, however, the most legally secure solution is to obtain the user’s prior consent (“opt-in solution”). If, therefore, before setting and retrieving the technically unnecessary cookies, the user’s consent is obtained:
When accessing our website, the user is informed about the use of cookies for analytical purposes and his or her consent to the processing of personal data used in this context is obtained. In this context, reference is also made to this data protection declaration.

1. Legal Basis for Data Processing
If only technically necessary cookies are used or technically necessary cookies and technically not necessary cookies are used without the user’s prior consent:

The legal basis for the processing of personal data using cookies is Art. 6 para. 1 lit. f DSGVO.
If technically necessary and not necessary cookies are used with the prior consent of the user:
The legal basis for the processing of personal data using technically necessary cookies is Art. 6 para. 1 lit. f DSGVO.
The legal basis for the processing of personal data using cookies for analytical purposes is Art. 6 para. 1 lit. a DSGVO.

2. Purpose of Data Processing
The purpose of using technically necessary cookies is to simplify the use of websites for users. Some functions of our website cannot be offered without the use of cookies. For this it is necessary that the browser is recognized even after a page change.

We need cookies for the following applications:
● Session Cookies for Login Session

The user data collected by technically necessary cookies are not used to create user profiles.

The analysis cookies are used to improve the quality of our website and its content. Through the analysis cookies we learn how the website is used and can thus continuously optimize our offer.

Google Analytics Cookie Usage on Websites

This document describes how Google Analytics uses cookies to measure user-interactions on websites.

Overview

Google Analytics is a simple, easy-to-use tool that helps website owners measure how users interact with website content. As a user navigates between web pages, Google Analytics provides website owners JavaScript tags (libraries) to record information about the page a user has seen, for example the URL of the page. The Google Analytics JavaScript libraries use HTTP Cookies to “remember” what a user has done on previous pages / interactions with the website.
Important: Read the Google Analytics privacy document for more details about the data collected by Google Analytics.
Google Analytics supports three JavaScript libraries (tags) for measuring website usage: gtag.js,analytics.js, and ga.js. The following sections describe how each use cookies.

gtag.js and analytics.js – cookie usage

The analytics.js JavaScript library is part of Universal Analytics and uses first-party cookies to:
● Distinguish unique users
● Throttle the request rate

When using the recommended JavaScript snippet, gtag.js and analytics.js set cookies on the highest level domain they can. For example, if Your website address is blog.example.co.uk, analytics.js will set the cookie domain to .example.co.uk. Setting cookies on the highest level domain possible allows users to be tracked across subdomains without any extra configuration.

Note: gtag.js and analytics.js do not require setting cookies to transmit data to Google Analytics.

gtag.js and analytics.js set the following cookies:

Cookie Name

Expiration Time

Description

_ga

2 years

Used to distinguish users.

_gid

24 hours

Used to distinguish users.

_gat

1 minute

Used to throttle request rate. If Google Analytics is deployed via Google Tag Manager, this cookie will be named _dc_gtm_.

AMP_TOKEN

30 seconds to 1 year

Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, inflight request or an error retrieving a Client ID from AMP Client ID service.

_gac_

90 days

Contains campaign related information for the user. If You have linked Your Google Analytics and AdWords accounts, AdWords website conversion tags will read this cookie unless You opt-out. Learn more.

For these purposes, our legitimate interest also lies in the processing of personal data in accordance with Art. 6 para. 1 lit. f DSGVO.

3. Duration of Storage, Possibility of Objection and Elimination
Cookies are stored on the user’s computer and transmitted to our site. Therefore, You as a user also have full control over the use of cookies. You can deactivate or restrict the transmission of cookies by changing the settings in Your Internet browser. Cookies that have already been saved can be deleted at any time. This can also be done automatically. If cookies are deactivated for our website, it may no longer be possible to use all functions of the website in full.

V. Newsletter

1. Description and Scope of Data Processing
You can subscribe to a free newsletter on our website. When registering for the newsletter, the data from the input mask is transmitted to us.

User’s e-mail Address

In the course of the registration process, Your consent is obtained for the processing of the data and reference is made to this data protection declaration.

If You register for Payger and provide Your e-mail address, this can be used by us to send a newsletter. In such a case, the newsletter will only send direct advertising for similar goods or services of our own.

In connection with data processing for the dispatch of newsletters, no data is passed on to third parties. The data will be used exclusively for sending the newsletter.

2. Legal Basis for Data Processing
The legal basis for the processing of the data after registration for the newsletter by the user is Art. 6 para. 1 lit. a DSGVO.

The legal basis for sending the newsletter as a result of the sale of goods or services is Section 7 para. 3 UWG.

3. Purpose of Data Processing
The collection of the user’s e-mail address serves to send the newsletter.

The collection of other personal data as part of the registration process serves to prevent misuse of the services or the e-mail address used.

4. Duration of Storage
The data will be deleted as soon as they are no longer necessary to achieve the purpose for which they were collected. The user’s e-mail address will therefore be stored for as long as the subscription to the newsletter is active.

The other personal data collected during the registration process will generally be deleted after a period of seven days.

5. Possibility of Objection and Elimination
The subscription to the newsletter can be cancelled by the user concerned at any time. For this purpose there is a corresponding link in every newsletter.

This also makes it possible to revoke the consent to the storage of personal data collected during the registration process.

VI. Enrollment

1. Description and Scope of Data Processing
On our website, we offer users the opportunity to register by providing personal data. The data is entered into an input mask and transmitted to us and saved. The data is passed on to third parties as part of the identity check. The following data is collected during the registration process:

At the time of registration, the following data is also stored:
● Date and time of registration
● login
● email
● mobile number
● Secure confidential password
● Any four-digit PIN
● Colour photo of passport or driving licence or identity card
● Colour photo of the electricity and water supplier’s invoice with name and address or account statement or credit card invoice or registration certificate

In the course of the registration process, the user’s consent to the processing of this data is obtained.

2. Legal Basis for Data Processing
The legal basis for the processing of data is Art. 6 para. 1 lit. a DSGVO if the user has given his consent.
If registration serves the fulfilment of a contract to which the user is a party or the implementation of pre-contractual measures, the additional legal basis for the processing of the data is Art. 6 para. 1 lit. b DSGVO.

3. Purpose of Data Processing
A registration of the user is necessary for the fulfilment of a contract with the user or for the implementation of pre-contractual measures.
Verification of Your identity

We will comply with all applicable KYC/AML requirements that require us to verify the identity of our users and traders, keep records of currency transactions for up to ten years and report certain transactions. In the event that a merchant account is closed by us or at the merchant’s request without completing the onboarding process or conducting a transaction, records must be maintained as required by law.

A more detailed description of the contract offered on the website follows. Why are the data collected necessary for these contracts?

Should the processing of the personal data of the contractual partner at the conclusion of the contract be prescribed by law for the contracts offered by You, the respective standards from which the obligation arises are to be named.

4. Duration of Storage
The data will be deleted as soon as they are no longer necessary to achieve the purpose for which they were collected.

Registration does not serve to conclude a contract with the user:

● This is the case for the data collected during the registration process if the registration on our website is cancelled or changed.

This is the case for those during the registration process to fulfill a contract or to carry out pre-contractual measures when the data is no longer required for the execution of the contract. Even after conclusion of the contract, it may still be necessary to store personal data of the contractual partner in order to fulfil contractual or legal obligations.

5. Possibility of Objection and Elimination
As a user You have the possibility to cancel or cancel the registration at any time. You can change the data stored about You at any time or change it in Your profile.
Deletion of the account by the user is not yet possible. For this purpose, please contact support by e-mail (support@payger.com).

If the data is required to fulfil a contract or to carry out pre-contractual measures, premature deletion of the data is only possible insofar as there are no contractual or statutory obligations to the contrary.

VII. Contact Form and Email Contact

1. Description and Scope of Data Processing
There is a contact form on our website which can be used for electronic contact. If a user takes advantage of this possibility, the data entered in the input mask will be transmitted to us and stored. This data is:

● Name
● email address
● Telephone number (optional, if telephone contact desired)
● Subject and message content

At the time the message is sent, the following data is also stored:

● The IP address of the user
● Date and time of registration

Your consent is obtained for the processing of the data within the scope of the sending process and reference is made to this data protection declaration.

Alternatively, You can contact us via the e-mail address provided. In this case, the user’s personal data transmitted by e-mail will be stored.

In this context, the data will not be passed on to third parties. The data is used exclusively for processing the conversation.

2. Legal Basis for Data Processing
The legal basis for the processing of data is Art. 6 para. 1 lit. a DSGVO if the user has given his consent.

The legal basis for the processing of data transmitted in the course of sending an e-mail is Art. 6 para. 1 lit. f DSGVO. If the e-mail contact aims at the conclusion of a contract, then additional legal basis for the processing is Art. 6 exp. 1 lit. b DSGVO.

3. Purpose of Data Processing
The processing of the personal data from the input mask serves us only for the treatment of the establishment of contact. In the event of contact by e-mail, this also constitutes the necessary legitimate interest in the processing of the data.
The other personal data processed during the sending process serve to prevent misuse of the contact form and to ensure the security of our information technology systems.

4. Duration of Storage
The data will be deleted as soon as they are no longer necessary to achieve the purpose for which they were collected. For the personal data from the input mask of the contact form and those that were sent by e-mail, this is the case when the respective conversation with the user is finished. The conversation is terminated when it can be inferred from the circumstances that the facts in question have been finally clarified.

The additional personal data collected during the sending process will be deleted after a period of seven days at the latest.

5. Possibility of Objection and Elimination
The user has the possibility to revoke his consent to the processing of personal data at any time. If the user contacts us by e-mail, he can object to the storage of his personal data at any time. In such a case, the conversation cannot be continued.

To have Your personal data deleted, it is sufficient to send an e-mail to support@payger.com with the subject “Revocation of my consent to the processing of personal data” and Your name.

All personal data stored in the course of contacting us will be deleted in this case.

VIII. Web analysis by Google Analytics

1. Scope of Processing of Personal Data
Our website uses functions of the web analysis service Google Analytics. Provider of the web analysis service is Google Inc, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA.
Google Analytics uses “cookies.” Information generated by cookies about Your use of our website is transmitted to a Google server and stored there. Server location is usually the USA.
Google Analytics cookies are set on the basis of Art. 6 para. 1 lit. f DSGVO. As the operator of this website, we have a legitimate interest in analysing user behaviour in order to optimise our website and, where applicable, our advertising.

IP Anonymization
We use Google Analytics in conjunction with IP anonymization. It ensures that Google shortens Your IP address within member states of the European Union or in other signatory states to the Agreement on the European Economic Area prior to transmission to the USA. There may be exceptional cases in which Google transmits the full IP address to a server in the USA and shortens it there to make it anonymous. On our behalf, Google will use this information to evaluate Your use of the website, to create reports on website activity and to provide us with other services relating to website and Internet use. The IP address transmitted by Google Analytics is not merged with other Google data.

Browser Plugin
The setting of cookies by Your web browser is preventable. However, some functions of our website may be restricted by this. You may also opt out of the collection of information about Your use of the website, including Your IP address and subsequent processing by Google. This is possible by downloading and installing the browser plugin available via the following link: https://tools.google.com/dlpage/gaoptout?hl=en.

Objection to Data Collection
You can prevent Google Analytics from collecting Your data by clicking on the following link. An opt-out cookie is set which prevents the collection of Your data on future visits to our website: Disable Google Analytics.

Details on how Google Analytics handles user data can be found in Google’s privacy policy: https://support.google.com/analytics/answer/6004245?hl=en.
Job Processing

To fully comply with legal data protection requirements, we have concluded an order processing agreement with Google.

Demographic Features on Google Analytics
Our website uses the “demographic features” function of Google Analytics. It can be used to create reports that contain information on the age, gender and interests of site visitors. This data comes from interest-related advertising by Google and from visitor data from third-party providers. It is not possible to assign the data to a specific person. You can deactivate this function at any time. You can do this through the ad settings in Your Google Account or by generally prohibiting Google Analytics from collecting Your information, as explained in the “Opt-out of data collection” section.

We use Google analytics on our website to analyse the surfing behaviour of our users. Google Analytics uses cookies. (for cookies see above).

2. Legal Basis for the Processing of Personal Data
The legal basis for processing users’ personal data is Art. 6 para. 1 lit. f DSGVO.

3. Purpose of Data Processing
The processing of users’ personal data enables us to analyse the surfing behaviour of our users. We are in a position to compile information about the use of the individual components of our website by evaluating the data obtained. This helps us to continuously improve our website and its user-friendliness. For these purposes, it is also in our legitimate interest to process the data in accordance with Art. 6 para. 1 lit. f DSGVO. By anonymizing the IP address, users’ interest in protecting their personal data is sufficiently taken into account.

4. Duration of Storage
The data will be deleted as soon as they are no longer needed for our recording purposes.
In our case, this is the case after xx days.

5. Possibility of Objection and Elimination
Cookies are stored on the user’s computer and transmitted to our site. Therefore, You as a user also have full control over the use of cookies. You can deactivate or restrict the transmission of cookies by changing the settings in Your Internet browser. Cookies that have already been saved can be deleted at any time. This can also be done automatically. If cookies are deactivated for our website, it may no longer be possible to use all functions of the website in full.
We offer our users on our website the possibility of an opt-out from the analysis procedure. To do this, You must follow the corresponding link. In this way, another cookie is placed on Your system, which signals to our system not to store the user’s data. If the user deletes the corresponding cookie from his own system in the meantime, he must set the opt-out cookie again.

More information about the privacy settings of google analytics can be found under the following link: https://www.google.com/analytics/learn/privacy.html?hl=en

IX. Rights of the Data Subject

The following list includes all rights of the persons concerned according to the DSGVO. Rights that are not relevant for the own website need not be mentioned. In this respect, the list can be shortened.
If personal data are processed by You, You are affected within the meaning of the DSGVO and You have the following rights vis-à-vis the person responsible:
right to information
You can ask the person in charge to confirm whether personal data concerning You will be processed by us.
If such processing has taken place, You can request the following information from the person responsible:

(1) the purposes for which the personal data are processed;
(2) the categories of personal data being processed;
(3) the recipients or categories of recipients to whom the personal data concerning You have been or are still being disclosed;
(4) the planned duration of the storage of the personal data concerning You or, if specific information on this is not possible, criteria for determining the storage period;
(5) the existence of a right to rectification or deletion of personal data concerning You, a right to limitation of processing by the controller or a right to object to such processing;
(6) the existence of a right of appeal to a supervisory authority;
(7) any available information on the origin of the data if the personal data are not collected from the data subject;
(8) the existence of automated decision-making including profiling in accordance with Art. 22 para. 1 and 4 DSGVO and – at least in these cases – meaningful information on the logic involved and the scope and intended effects of such processing for the data subject.
You have the right to request information as to whether the personal data concerning You is transferred to a third country or to an international organisation. In this context, You may request to be informed of the appropriate guarantees pursuant to Art. 46 DSGVO in connection with the transmission.

To request information about Your personal data, simply send an e-mail to support@payger.com with the subject “Information about the processing of personal data” and Your name.

1. Right to Correction
You have a right of rectification and/or completion vis-à-vis the data controller if the personal data processed concerning You are incorrect or incomplete. The person responsible shall make the correction without delay.
To request a correction of Your personal data, simply send an e-mail to support@payger.com with the subject “Correction of my personal data” and Your name.

2. Right to Limitation of Processing
Under the following conditions, You may request that the processing of personal data concerning You be restricted:

(1) if You dispute the accuracy of the personal data concerning You for a period that enables the data controller to verify the accuracy of the personal data;
(2) the processing is unlawful and You refuse to delete the personal data and instead request that the use of the personal data be restricted;
(3) the data controller no longer needs the personal data for the purposes of the processing, but You do need them to assert, exercise or defend legal claims, or
(4) if You have filed an objection to the processing pursuant to Art. 21 para. 1 DSGVO and it has not yet been determined whether the legitimate reasons of the person responsible outweigh Your reasons.

If the processing of personal data concerning You has been restricted, such data may only be processed – apart from being stored – with Your consent or for the purpose of asserting, exercising or defending rights or protecting the rights of another natural or legal person or on grounds of an important public interest of the Union or a Member State.

If the processing restriction has been restricted according to the above conditions, You will be informed by the person responsible before the restriction is lifted.

To make a restriction on the processing of Your personal data, it is sufficient to send an e-mail to support@payger.com with the subject “Restriction on the processing of my personal data” and Your name.

3. Right to Cancellation
3.1. Deletion Duty
You may request the data controller to delete the personal data relating to You without delay and the controller is obliged to delete this data without delay if one of the following reasons applies:

(1) The personal data concerning You are no longer necessary for the purposes for which they were collected or otherwise processed.
(2) You revoke Your consent, on which the processing was based pursuant to Art. 6 para. 1 lit. a or Art. 9 para. 2 lit. a DSGVO, and there is no other legal basis for the processing.
(3) You file an objection against the processing pursuant to Art. 21 para. 1 DSGVO and there are no overriding legitimate reasons for the processing, or You file an objection against the processing pursuant to Art. 21 para. 2 DSGVO.
(4) The personal data concerning You have been processed unlawfully.
(5) The deletion of personal data relating to You is necessary to fulfil a legal obligation under Union law or the law of the Member States to which the data controller is subject.
(6) The personal data concerning You were collected in relation to information society services offered pursuant to Art. 8 para. 1 DSGVO.
Information to third parties

If the data controller has made the personal data concerning You public and is obliged to delete it pursuant to Art. 17 para. 1 DSGVO, he shall take appropriate measures, including technical measures, taking into account the available technology and the implementation costs, to inform data processors who process the personal data that You as the data subject have requested the deletion of all links to this personal data or of copies or replications of this personal data.

3.2. Exemptions
The right to cancellation does not exist insofar as the processing is necessary

(1) to exercise freedom of expression and information;
(2) for the performance of a legal obligation required for processing under the law of the Union or of the Member States to which the controller is subject or for the performance of a task in the public interest or in the exercise of official authority conferred on the controller;
(3) for reasons of public interest in the field of public health pursuant to Art. 9 para. 2 lit. h and i and Art. 9 para. 3 DSGVO;
(4) for archiving purposes in the public interest, scientific or historical research purposes or for statistical purposes pursuant to Art. 89 para. 1 DSGVO, insofar as the law referred to under a) is likely to make it impossible or seriously impair the attainment of the objectives of such processing, or
(5) to assert, exercise or defend legal claims.
To have Your personal data deleted, simply send an e-mail to support@payger.com with the subject “Deletion of my personal data” and Your name.

4. Right to Information
If You have exercised Your right to have the data controller correct, delete or limit the processing, he/she is obliged to inform all recipients to whom the personal data concerning You have been disclosed of this correction or deletion of the data or restriction on processing, unless this proves impossible or involves a disproportionate effort.
The person responsible shall have the right to be informed of such recipients.

To request information about Your personal data, simply send an e-mail to support@payger.com with the subject “Information about the processing of personal data” and Your name.

5. Right to Data Transferability
You have the right to receive the personal data concerning You that You have provided to the person responsible in a structured, common and machine-readable format. In addition, You have the right to pass this data on to another person in charge without obstruction by the person in charge to whom the personal data was provided, provided that

(1) processing is based on consent pursuant to Art. 6 para. 1 lit. a DSGVO or Art. 9 para. 2 lit. a DSGVO or on a contract pursuant to Art. 6 para. 1 lit. b DSGVO and
(2) processing is carried out by means of automated methods.

In exercising this right, You also have the right to request that the personal data concerning You be transferred directly from one data controller to another data controller, insofar as this is technically feasible. The freedoms and rights of other persons must not be affected by this.

The right to transferability shall not apply to the processing of personal data necessary for the performance of a task in the public interest or in the exercise of official authority conferred on the controller.

6. Right of Objection
You have the right to object at any time, for reasons arising from Your particular situation, to the processing of personal data concerning You under Article 6(1)(e) or (f) of the DSBER; this also applies to profiling based on these provisions.

The data controller no longer processes the personal data concerning You, unless he can prove compelling reasons worthy of protection for the processing, which outweigh Your interests, rights and freedoms, or the processing serves to assert, exercise or defend legal claims.

If the personal data concerning You are processed for direct marketing purposes, You have the right to object at any time to the processing of the personal data concerning You for the purpose of such advertising; this also applies to profiling, insofar as it is associated with such direct marketing.

If You object to the processing for direct marketing purposes, the personal data concerning You will no longer be processed for these purposes.

You have the possibility to exercise Your right of objection in connection with the use of Information Society services by means of automated procedures using technical specifications, notwithstanding Directive 2002/58/EC.

To object to the processing of Your personal data, it is sufficient to send an e-mail to support@payger.com with the subject “Objection to the processing of personal data” and Your name.

7. Right to Revoke the Data Protection Declaration of Consent
You have the right to revoke Your data protection declaration of consent at any time. The revocation of consent shall not affect the legality of the processing carried out on the basis of the consent until revocation.
To revoke the permission to process Your personal data, it is sufficient to send an e-mail to support@payger.com with the subject “Revocation of permission to process the personal data” and Your name.

8. Right to information
If You have exercised Your right to have the data controller correct, delete or limit the processing, he/she is obliged to inform all recipients to whom the personal data concerning You have been disclosed of this correction or deletion of the data or restriction on processing, unless this proves impossible or involves a disproportionate effort.
The person responsible shall have the right to be informed of such recipients.

To request information about Your personal data, simply send an e-mail to support@payger.com with the subject “Information about the processing of personal data” and Your name.

9. Right to Data Transferability
You have the right to receive the personal data concerning You that You have provided to the person responsible in a structured, common and machine-readable format. In addition, You have the right to pass this data on to another person in charge without obstruction by the person in charge to whom the personal data was provided, provided that

(1) processing is based on consent pursuant to Art. 6 para. 1 lit. a DSGVO or Art. 9 para. 2 lit. a DSGVO or on a contract pursuant to Art. 6 para. 1 lit. b DSGVO and
(2) processing is carried out by means of automated methods.

In exercising this right, You also have the right to request that the personal data concerning You be transferred directly from one data controller to another data controller, insofar as this is technically feasible. The freedoms and rights of other persons must not be affected by this.

The right to transferability shall not apply to the processing of personal data necessary for the performance of a task in the public interest or in the exercise of official authority conferred on the controller.

10. Right of Objection
You have the right to object at any time, for reasons arising from Your particular situation, to the processing of personal data concerning You under Article 6(1)(e) or (f) of the DSBER; this also applies to profiling based on these provisions.
The data controller no longer processes the personal data concerning You, unless he can prove compelling reasons worthy of protection for the processing, which outweigh Your interests, rights and freedoms, or the processing serves to assert, exercise or defend legal claims.
If the personal data concerning You are processed for direct marketing purposes, You have the right to object at any time to the processing of the personal data concerning You for the purpose of such advertising; this also applies to profiling, insofar as it is associated with such direct marketing.
If You object to the processing for direct marketing purposes, the personal data concerning You will no longer be processed for these purposes.
You have the possibility to exercise Your right of objection in connection with the use of Information Society services by means of automated procedures using technical specifications, notwithstanding Directive 2002/58/EC.

To object to the processing of Your personal data, it is sufficient to send an e-mail to support@payger.com with the subject “Objection to the processing of personal data” and Your name.

11. Right to Revoke the Data Protection Declaration of Consent
You have the right to revoke Your data protection declaration of consent at any time. The revocation of consent shall not affect the legality of the processing carried out on the basis of the consent until revocation.

To revoke the permission to process Your personal data, it is sufficient to send an e-mail to support@payger.com with the subject “Revocation of permission to process the personal data” and Your name.

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