Terms of Use – Privacy Policy

Terms of Use

This web site is owned and provided by ibanPal.eu and its subsidiaries and affiliates ("ibanPal"). By using this web site, you agree to the following Terms of Use. Please review this information often, as it may change at any time, without notice.

Restrictions on Use

You are authorized to view, copy and print the materials appearing on this web site, subject to the following:

  1. The materials may be used for internal informational and non-commercial purposes only.
  2. You may not copy, distribute, modify, transmit, reuse, repost or otherwise display the web site content for public or commercial purposes, without the express written consent of the ibanPal Legal Department authorizing use for such purpose(s).
  3. Any copy of these materials or any portion thereof must include the copyright notice below.
  4. You may not use this site or any related services for any purpose that is unlawful or prohibited by this Agreement.
  5. You may not use any device, software or action, including but not limited to, bots, spiders, viruses, worms or time bombs, designed to damage or otherwise interfere with the site or to intercept or expropriate any system, data or personal information contained at the site.
  6. You will not use the site or related services for chain letters, junk mail, spamming or to engage in illegal activities
  7. You agree that you will not use this site to violate any laws, or conduct any other activity that gives rise to some liability or otherwise harm the goodwill associated with our trademarks.
  8. ibanPal may immediately terminate any or all of your rights to use this site if at any time for any reason.

Intellectual Property Rights

This web site is © 2011 ibanPal. All rights reserved.

The trademarks and services marks on this site are the property of ibanPal and may not be used without permission from the ibanPal Legal Department.

All communication, postings, and uploads to this site become the exclusive property of ibanPal. You may not reproduce, reverse engineer, disassemble, modify or create derivative works from the site. You may not remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on this site or its content.

Disclaimer of Warranties

THE INFORMATION CONTAINED IN THIS WEB SITE MAY CONTAIN ERRORS OR INACCURACIES, AND IS PROVIDED TO YOU "AS IS," FOR YOUR INFORMATIONAL PURPOSES ONLY, WITHOUT WARRANTY OF ANY KIND, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT WILL ibanPal BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES, RELATING TO OR ARISING OUT OF THE USE OF THIS WEB SITE, INCLUDING SPECIFICALLY ANY LOST PROFITS, BUSINESS INTERRUPTION OR LOSS OF DATA, EVEN IF ibanPal IS EXPRESSLY ADVISED ABOUT THE POSSIBILITY OF SUCH DAMAGES.

ibanPal may make changes or improvements to the information displayed on this web site, or to the products or services described herein, at any time, without notice.

Indemnification

You agree to indemnify, defend and hold harmless ibanPal, its subsidiaries, affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including without limitation attorneys fees) arising from: (i) your use of the site and any of our related services; (ii) your violation of this Agreement; and (iii) intentional wrongdoing of any kind. ibanPal reserves the right, at our expense, to participate in the defense or settlement process. ibanPal further reserves the right to report any wrongdoing that we become aware of to any government agency.

Links

This web site may contain links to other web sites which are not under the control of ibanPal These links are provided only for the user's convenience and ibanPal is not responsible for the contents or transmission of any web site to which a link is provided. ibanPal does not endorse any such web sites and does not make any representation that they are error or virus free. The disclaimer of warranties above also applies to any linked web site.

Choice of Law and Enforcement

ibanPal controls and operates this site from its headquarters and makes no representation that the site is appropriate or available for use from other locations. If you use the site from other locations, you are responsible for compliance with applicable local laws. This Agreement is governed by the laws of Belgium notwithstanding its conflicts of law principles. All disputes or claims arising out of use of the site will be resolved in courts located in Brussels, Belgium.

Privacy Policy

Our Privacy Commitment

ibanPal.eu ("ibanPal") is committed to respecting and protecting your privacy. We value your trust and want you to understand how we protect, collect, use and disclose the personal information you share with us.

This privacy statement applies to personal information we obtain anytime you interact with ibanPal such as when you visit our websites, complete transaction forms at agent locations or online, or contact ibanPal call centers. We want to ensure you are aware of our practices for collecting and processing personal information, which is information about a person that can be used to identify that person.

What we collect

The type of personal information we collect depends on our needed use such as to process transactions, provide products and services, and administer our business. Personal information includes contact information such as name, address, telephone number or email address, financial information including bank account information, or debit/credit card information, other identifying information such as social security number or date of birth, and information we may collect with your consent or as permitted or required by law.

Other than information we collect from you or as part of the transaction on forms, by telephone and at websites, we obtain information about you as part of verification processes, product uses and other servicing of your relationship with us We may receive some information from reputable reference sources, vendors and clearinghouse services.

How we use it

We use personal information in a number of ways such as to complete your transaction, market and provide products or services to you, to administer any problems that may arise in effecting the transaction, to better understand and manage our ongoing relationship with you, to assure good service, to prevent fraud, abuse and other actual and potential prohibited or illegal activities, for purposes of verification and risk management, for market research and otherwise with consent or as permitted or required by law. ibanPal may store this information for these purposes too. As permitted by applicable law, we may merge personal information with public information or other information received from reputable vendors to update contact information or to enhance demographic profiles.

Who we share it with

We may share all of the information, as described above, with our affiliates and our agents to assist us in our business activities as permitted or required by law. Disclosures permitted or required by law may include cooperation with criminal or government investigations, fraud prevention and detection, and responses to a court order or subpoena. If fraud is suspected in your money transfer, ibanPal will share your money transfer information with relevant national, state and local law enforcement in the UK and other countries, which may further share the information. If you process a transaction on a third party website or application, information you enter may be shared with the owner of that website or application. In limited situations, our agents and affiliates may use information about you to offer products and services to you in compliance with their privacy policy. ibanPal affiliates and agents are bound by appropriate data safeguarding obligations.

ibanPal may disclose some or all of the personal information to service providers for the purposes of processing requested transactions or to perform business support functions on our behalf, including marketing and similar services. Our agreements with these service providers contain confidentiality provisions and restrictions on using this information for any other purposes.

If ibanPal becomes involved in a merger, acquisition or any form of sale of some or all its assets, we may disclose personal information to third parties in connection with the evaluation of the transaction. The surviving company, or the acquiring company in the case of a sale of assets, would have access to personal information which would continue to be subject to this privacy statement.

Data Security

ibanPal uses physical, electronic and procedural security measures to protect against loss, misuse, and alteration of personal information under our control. ibanPal uses industry–standard practices and security measures to safeguard such information.

Access to personal information is restricted to employees and service providers who need to have access to that information as described in this privacy statement. Our service providers are required to observe standards for the security, collection, use and sharing of personal information, and to comply with applicable law.

Preventing Identity Theft

ibanPal is dedicated to protecting your personal information. We will never initiate a request for personal information or request your Money Transfer reference number from you by fax or email. Please do not send personal information such as social security numbers, government identification numbers, or account numbers to ibanPal via an unsecured email message. You may send personal information to ibanPal via posted mail, phone or using the "Contact Us" link available on our website.

Do not be misled by emails that appear to be from us and ask for personal information. If you receive a suspicious email requesting your personal information, please forward the email immediately to fraud@ibanPal.com. To report fraud to the Internet Fraud Complaint Center, visit www.ic3.gov/. This is a partnership between the FBI and the National White Collar Crime Center.

Browsing

When you use our websites, we automatically collect certain standard technical information. Examples of this standard type of information include the type of Internet browser you use, the files requested and the domain name and country from which you request information. We use this information to improve our website, make our website function correctly and to better understand how visitors use our website. As part of our efforts to protect customers from fraud, this information is also used to authenticate users to the website, if necessary.

Cookies

Some of our web pages may contain "cookies", or data which is sent to your web browser and stored on your computer. "Cookies" allow our server to recognize you as a returning website visitor or ibanPal customer if you return to the website using the same computer and browser. You may configure your web browser to not accept cookies or to notify you if a cookie is sent to you; if you decline cookies you may not be able to use all the functionality of our websites.

Privacy Practices of Third Parties

ibanPal is not responsible for the content or information practices used by other websites that are linked to or from our website. In most cases, links point to information on services that may be useful to users. These sites are governed by their own privacy statements and you are encouraged to review their privacy statement before providing them with personal information.

Use by Children

In compliance with the United States Children's Online Privacy Protection Act, ibanPal will not knowingly collect personal information from children under the age of 13, without the consent of a parent or guardian.

Change in Privacy Statement

This website will always contain the most current privacy statement. This statement was last updated February 6, 2015.