Norbrook Transaction Services Limited is committed to respecting your privacy and to complying with applicable data protection and privacy laws. This Privacy Policy is provided to help you understand how we may collect, use, protect, and otherwise deal with your personal information.

Norbrook Transaction Services Limited is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. This Web site does not collect personally identifying information about you except when you specifically and knowingly provide it.

Norbrook Transaction Services Limited websites use common Internet technologies, such as cookies and web beacons, to keep track of user interaction with the sites, to remember user preferences and to maximize the user experience and performance of the website and services. For example, using cookies on our websites provides benefits to you, such as allowing you to autofill fields on forms, provide details of last time you login online. You can disable the cookie and the information will not be collected. Please refer to your browser Help instructions to learn more about cookies and how to manage their use. If you choose to decline cookies, some of the functionality of a website may be impaired.

We use IP addresses to analyze trends, administer the site, track user's movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

We will share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person. We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

This web site contains links to other sites. Please be aware that Norbrook Transaction Services Limited is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

If a user wishes to subscribe to our Norbrook Transaction Services Limited newsletter, we ask for contact information such as name and email address. A user may unsubscribe from this list at any time by sending an email to: info@epayja.com.

The Website (including the Services delivered through it) and the Password must be used by you strictly in accordance with this Agreement. The Password will be provided by us direct to you. You must not disclose the Password, whether directly or indirectly, to any other person (including, but not limited to, any account aggregation service provider).

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

This website takes every precaution to protect our users' information. When users submit sensitive information via the website, your information is protected both online and off-line. When our registration/order form asks users to enter sensitive information (such as credit card number and/or Taxpayer Registration Number, we will only store the first six and last four digits of the card number and we will NOT store the CVV), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Google Chrome and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'. To learn more about SSL, follow this link: What is SSL, TLS, HTTPS?

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure environment, behind a locked cage. If you have any questions about the security at our website, you can send an email to info@epayja.com.

We send all new members a welcoming email to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see our choice and opt-out below.

We also send the user site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services and in regards to issues relating to their account via email or phone.

If a user's personally identifiable information changes, or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove that user's personal data provided to us. This can usually be done at the member information page or by emailing our Customer Support.

Our users are given the opportunity to 'opt-out' of having their information used for purposes not directly related to our site at the point where we ask for the information. For example, our order form has an 'opt-out' mechanism so users who buy a product from us, but don't want any marketing material, can keep their email address off of our lists. Users who no longer wish to receive our newsletter or promotional materials from our partners may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email or email us at info@epayja.com.

Where we are not required to notify you otherwise by law, we may alter the Agreement from time to time. Any such alteration shall become effective and shall be binding upon you 14 days after notice of such alteration has been sent to you by any of the following means: through the post or by electronic message through Site. You shall be entitled, upon receiving notice of any alteration to this Agreement, to immediately terminate the Agreement but without prejudice to any rights or obligations which have arisen prior the termination date, including your liability for any indebtedness on any Account or which has otherwise arisen prior to that termination date.

Data Collection

When you download and use our mobile apps (ePayMobile, ePAY mPOS, ePAY Pass, ePAY Transport, ePAY Onboard), we may collect the following types of information:

• Device Information: Device type, operating system, unique device identifiers, and mobile network information.
• Usage Data: Information about how you interact with the app, such as the features you use, the time spent in the app, and the actions you take.
• Location Data: If you enable location services on your device, we may collect your approximate location to provide location-based services.
• Financial Information: Information about your financial accounts, including account numbers and balances.

Data Usage

We may use the collected data to:

• Improve our app: Analyze usage patterns to enhance the app's functionality and user experience.
• Provide personalized services: Tailor the app's content and features to your preferences.
• Prevent fraud and security risks: Detect and prevent fraudulent activities and protect your account.
• Comply with legal obligations: Adhere to applicable laws and regulations.

Data Sharing

We do not share your information with any third parties.

Data Security

We implement robust security measures to protect your data, including:

• Encryption: Encrypting sensitive data to prevent unauthorized access.
• Secure servers: Storing data on secure servers with access controls.
• Regular security audits: Conducting regular security assessments to identify and address vulnerabilities.

Your Rights

You may have the right to:

• Access and review your personal information.
• Request correction of inaccurate information.
• Request deletion of your personal information.

If we decide to change our privacy policy, we will post those changes on our Homepage so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected. If you feel that this site is not abiding by its posted privacy policy, please contact Norbrook Transaction Services Limited's Privacy Concerns department at info@epayja.com. We at Norbrook Transaction Services Limited recognize the importance of protecting your privacy. There are also several additional steps you can take to maximize your online security.