This document sets forth the Crossflow Payments Online Privacy Policy (the "Privacy Policy") for this web site, (the "Site"). If you have objections to the Privacy Policy, you should not access or use this Site. This Privacy Policy does not govern privacy practices associated with offline activities or other Crossflow Payments websites.  

Changes in Privacy Policy 

All "personal information" ("personal information" is defined as any information that identifies or can be used to identify, contact or locate the person to whom such information pertains) that we collect and maintain will be subject to the version of the Privacy Policy in effect at the time of such collection. Crossflow Payments reserves the right to change the Privacy Policy from time to time at its sole discretion and will provide notice of material changes on the homepage of the Site. If as the result of such changes, you want to alter the ways in which Crossflow Payments is allowed to use your personal information, you can do so by following the procedure described below in the section entitled "Updating your Personal Information and Privacy Preferences". You will be deemed to have been made aware of, and will be subject to the changes in Privacy Policy by your continued use of the Site after such notice has been posted for thirty (30) days with the following exception: if at the time you provide personal information to Crossflow Payments you are given the opportunity (as you currently are) to limit how such information will be used to communicate with you, either by Crossflow Payments or by third parties, Crossflow Payments will not change your preference in this regard without your express consent. However, if Crossflow Payments sells assets (or the assets of a division or subsidiary) to another entity, or Crossflow Payments (or a division or subsidiary) is acquired by or merged with, another entity, Crossflow Payments may provide to such entity customer information that is related to that part of our business that was sold to or merged with the other entity without your consent.  

Personal information collected by Crossflow Payments 

The Site contains links to other sites at which personal information is collected. In such instances, unless expressly provided to the contrary, the collection and use of your personal information will be governed by the privacy policy applicable to the site. That privacy policy should identify the entity that is collecting your personal information.  

Collection of Personal Information 

As a visitor to this Site, you can engage in many activities without providing any personal information. In connection with other activities, such as utilizing online software applications, Crossflow Payments may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, Crossflow Payments may ask that you provide us personal information, such as your first and last name, mailing address (including zip code), e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal information. Depending upon the activity, some of the information that we ask you to provide is identified as mandatory and some as optional. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.  

When you use the Site, Crossflow Payments or third parties authorized by Crossflow Payments may also collect certain technical and routing information about your computer to facilitate your use of the Site and its services. For example, we may log environmental variables, such as browser type, operating system, CPU speed, and the Internet Protocol ("IP") address of your computer. We use these environmental variables to facilitate and track your use of the Site and its services. Crossflow Payments also uses such environmental variables to measure traffic patterns on the Site. Without expressly informing you in each particular circumstance, we do not match such information with any of your personal information.  

When you submit personal information to Crossflow Payments through this Site, you understand and agree that this information may be transferred across national boundaries and may be stored and processed in any of the countries in which Crossflow Payments and its affiliates and subsidiaries maintain offices, including without limitation, the United States. You also acknowledge that in certain countries or with respect to certain activities, the collection, transferring, storage and processing of your information may be undertaken by trusted vendors of Crossflow Payments. Such vendors are bound by contract to not use your personal information for their own purposes or provide it to any third parties.  

Crossflow Payments has established relationships with various service providers whose services are available to you from this Site or from web sites that are linked to this Site. Typically, these providers offer services that Crossflow Payments customers might find useful, such as those that can be used in conjunction with Crossflow Payments services and products. In order to use those services, you may be required to provide personal information to the providers. Unless specifically stated the contrary, personal information that you provide while you are visiting a provider's web site will be subject to the privacy policy posted on such site and personal information that you provide while on this Site in conjunction with a provider's service will be subject to this Privacy Policy. You should be aware that our agreements with these service providers often state that they will share with Crossflow Payments personal information collected from you. In such instances, Crossflow Payments may use this information in a manner consistent with this Privacy Policy. In the situation where sites have a Crossflow Payments "look and feel", and you reasonably believe you are on a Crossflow Payments site, the site is collecting information in a solely intermediary capacity and does not use personal information for secondary purposes.  

In order to reduce errors in our database, authenticate our users and prevent abuse of our system we may on occasion supplement the personal information you submit to us with information from third party sources. For example, we may supplement your registration information with address information provided by the U.S. Postal Service to qualify your information and prevent errors in our database.  

How your Personal Information is Used 

Crossflow Payments collects your information in order to record and support your participation in the activities you select. If you subscribe to a service or register a product, for example, the information is used to register your rights, if any, to technical support or other benefits that may be made available to registered users. As another example, if you enter a contest, information is collected to qualify the entry and contact you regarding the contest or prize awards. Your personal information is also used to keep you informed about product upgrades, special offers, and other products and services of Crossflow Payments and selected third parties if you have so opted to receive such communications.  

Crossflow Payments may collect information about the use of the Site; such as the types of services used and how many users we receive daily. This information is collected in aggregate form, without identifying any user individually. Crossflow Payments may use this aggregate, non-identifying statistical data for statistical analysis, marketing or similar promotional purposes.  

Your Choices with Respect to Personal Information 

Crossflow Payments recognizes and appreciates the importance of responsible use of information collected on this Site. Without your consent, Crossflow Payments will not communicate any information to you regarding products, services and special offers available from Crossflow Payments, although we may find it necessary to communicate with you regarding your use of the services on this Site. Except for particular circumstances as described in this Privacy Policy, Crossflow Payments will also not provide your name to other companies or organizations without your consent.  

There are other instances in which Crossflow Payments may divulge your personal information. Crossflow Payments may provide your personal information if necessary, in Crossflow Payments' good faith judgement, to comply with laws or regulations of a governmental or regulatory body or in response to a valid subpoena, warrant or order or to protect the rights of Crossflow Payments or others.  

Protection of Your Personal Information 

The personal information that you provide in connection with registering yourself as a user of Crossflow Payments products or services or registering a Crossflow Payments product is classified as Registration Information. Registration Information is protected in several ways. Access by you to your Registration Information is available through a password and unique customer ID selected by you. This password is encrypted. We recommend that you do not divulge your password to anyone. In addition, your Registration Information resides on a secure server that only selected Crossflow Payments personnel and contractors have access to, via password. Crossflow Payments encrypts your personal information and thereby strives to prevent unauthorized parties from viewing such information when it is transmitted to Crossflow Payments.  

Personal information that you provide that does not constitute Registration Information also resides on a secure server and is only accessible to selected Crossflow Payments personnel and contractors via password. Since this information is not accessible to you, you will not be asked to select a password in order to view or modify such information.  

Please note that any information you post to a public bulletin board or chat room, such as the Crossflow Payments User to User Forums (the "Forums"), is available to all persons accessing that location. Your email address will not automatically be posted on the Forums unless you modify the default setting to permit that. Your email address would then be available to all persons accessing the Forums. In addition, you should be aware that the Forums offers a service in which subscribers are emailed a copy of all messages posted to the Forums on a particular topic. Consequently, if you post a message to the Forums your email address will be sent to those subscribers that have indicated an interest in the topic of your message.  

Use of Cookies 

When you visit this Site, you can access important information without revealing your identity. In order to improve our Site, we use "cookies" to track your visit. A cookie is small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you. It functions as your identification card and allows the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites. Cookies cannot be executed as code or used to deliver viruses.  

Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some Web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)  

While Crossflow Payments uses cookies to track your visit to, and our Web servers automatically log the IP/Internet address of your computer, Crossflow Payments does not generally use this information to identify you personally. However, if you expressly provide consent for to "remember" the unique identifier that you select when you register for various activities on the site, that unique identifier will be stored on a cookie on your computer, linked to your registration information, and your navigation path around the site will be tracked. We collect information about your browsing habits to understand how our site and services are being used so we can understand our customers and offer appropriate products and services.  

Updating Your Personal Information and Privacy Preferences 

You have the right to access and correct your personal information and privacy preferences at any time. With respect to Registration Information, this may be accomplished by linking to your account at Edit Your Account where you can view and make changes to your personal information. You may also access and correct your personal information and privacy preferences (such as whether you wish to receive promotional communications from Crossflow Payments or third parties) by writing or calling Crossflow Payments.  

Please include your name, address, and/or e-mail address when you contact us. Although no specific form is required to notify Crossflow Payments of changes to your address or privacy preferences, you may change details on your Settings tab and send the request to Crossflow Payments.  

Personal information submitted through this Site that is not Registration Information is not accessible online. To access and/or correct such information, you may write to Crossflow Payments.  

In your correspondence, please indicate with as much detail as possible the location on this Site where you provided your personal information.  

Privacy Related Inquiries and Complaints 

Crossflow Payments takes its users privacy concerns seriously. If you believe that Crossflow Payments has not complied with this Online Privacy Policy with respect to your personal information or you have other related inquiries or concerns, you may write to the Crossflow Payments Privacy Officer at the address indicated below. In your letter, please describe in as much detail as possible the nature of your inquiry or the ways in which you believe that the Crossflow Payments Online Privacy Policy has not been complied with. We will investigate your complaint promptly.  

Please note that if you provide Crossflow Payments with inconsistent privacy preferences (for example, by indicating on one occasion that third parties may contact you with marketing offers and indicating on another occasion that they may not), Crossflow Payments cannot guarantee that your most recent privacy preference will be honoured.  

Also, please note that Crossflow Payments is not responsible for the content or privacy practices of non-Crossflow Payments Web Sites to which this Site or any other Crossflow Payments Web Site may link. You should review the privacy policy of such sites before using the sites.  

Contact Us 

Crossflow Payments 

Tel: +44 (0) 203 475 9080 
Please feel free to contact us via email