Saturday, April 12, 2014

Privacy Policy | Skrill .mONEY BOOKERS IN PAKISTAN


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1. General
1.1. Our Privacy Policy 
Skrill Limited (registered number: 4260907) with its registered office at Floor 27, 25 Canada Square, London, E14 5LQ (“we” or “us”) are committed to protecting your information and respecting your privacy.

This Privacy Policy together with the Skrill Account Terms of Use (and any other documents referred to therein) set out the basis on which any personal data we collect from you, or which you provide to us, through our website (“Website”) or in connection with your Skrill Account (as defined in the Skrill Terms of Use) will be processed by us. When you complete any form, speak with our staff or submit any details to us or using our Website, we will collect, use and disclose your personal information in the manner described in this Privacy Policy.

Please read this Privacy Policy carefully to understand our views and practices regarding your personal data, how we use it and how we will treat it. If you do not agree with this Privacy Policy, please do not use our services. 

1.2. Certification
We have been awarded with TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers only information that is collected through this Web site. By displaying the TRUSTe trustmark, we have agreed to notify you of:

The nature and extent of the personal data we collect from you directly or from third parties.
Who processes your personal data;
How your personal data are used;
With whom we may share your personal data;
The choices available to you regarding collection, use and distribution of your personal data.
The security procedures in place to protect against the loss, misuse or alteration of personal data processed by us.
How you can correct any inaccuracies in the personal data we hold.
If you have questions or concerns regarding this our TRUSTe certification, you should first Contact Us. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you can contact TRUSTe here. TRUSTe will then help you to resolve your concerns. 

1.3. Changes to this Privacy Policy
Any changes we make to this Privacy Policy in the future will be posted on this page. Any new Privacy Policy will be effective from the time that it is posted on the Website. We reserve the right to make changes to our Privacy Policy at any time, without notice, where such change is required by applicable legislation.
If we make any material changes to the way your personal data are used, we will notify you by email prior to the change becoming effective. You may object to any new use or change in use of your personal data by contacting us as set out in section 10 (Contact Us) below. We will treat such objection as a notice to terminate your Skrill Account which will be closed in accordance with the Skrill Account Terms of Use.
2. Information We Collect
2.1 Information We Collect from You
We may collect and process the following data about you:

your full name, address, email address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request,
details of any transactions you carry out through our Website using your Skrill Account and of the fulfilment of your requests,
details of any bank account (including, but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number “TAN” and password, available balance and transaction history of your bank account,),
details of any credit, debit or other card used by you for transactions,
your participation in any promotion sponsored by us,
correspondence that you send us,
calls that we make to you or you make to us,
surveys that you complete,
information collected through cookies – please see section 9 Cookies for more details,
your IP address, log-in times, operating system and browser type,
details of your visits to our Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our Website.
2.2 Information We Collect from Third Parties about You
In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies, including your financial history, county court judgements and bankruptcies, from credit reference and fraud prevention agencies when you open a Skrill Account and at any time when we feel it is necessary to prevent fraud and minimise our financial risks. Please refer to our Money Laundering Policy for further details.
3. How We Use Your Information
We use information held about you in the following ways:

to operate and administer your Skrill Account and to provide services that you have requested,
to carry out your instructions to make and receive payments and undertake transactions using our services, including verifying that you have sufficient funds in your nominated bank account to make such payments,
to allow you to participate in interactive features of the Website,
to notify you about changes to our service(s),
to improve our internal customer training,
to comply with financial services regulations including retention of financial information and transactions,
for financial and identity checks, fraud prevention checks, anti-money laundering and credit checks,
for customer service, including answering questions and responding to feedback and complaints,
to enhance the security of our services,
to ensure that content on our Website is presented in the most effective manner for you and for your computer, and
to provide you with information, products or services that you request from us or which we feel may interest you.
4. Storing Your Personal Data
4.1. Where is it Stored?
The data that we collect from you may be transferred to, and stored at, destinations outside the European Economic Area ("EEA") for the reasons set out below:

if this is necessary for providing you with the services you request. For example if you transfer funds to a merchant that is not located in the EEA, it will be necessary to send your details to that merchant,
where our group companies, some of whom are based in the USA, store or process your data in accordance with our internal operational requirements and procedures in order to administer the services you require or in connection with anti-fraud measures,
where you have consented to receive marketing material from our group companies,
where our anti-fraud agencies, credit reference agencies and other service providers are based outside the EEA and require access to your data to perform their obligations to us and provide services to you,
if you have been referred to us by a third party and that third party is entitled to a commission payment – for further detail see section 5.4.
We have taken and will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy no matter where it is located. 

4.2. Security
We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure of information we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your Skrill Account, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 128bit encryption, certified by Verisign Secured.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your Skrill Account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately contact Customer Services and tell us why you think your login details have been compromised. Please read our Skrill Account Terms of Use for further information on how to keep your Skrill Account safe. Details of how to contact Customer Services are available from the “Contact” section of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

4.3. Retention
We are by law required to retain certain records for a period of at least five years after closure of your Skrill Account which will include your personal data such as your name, contact details, customer number and transaction history etc. Otherwise, we will delete and destroy all personal data that we hold about you when you (or we) terminate your Skrill Account. We do not store your online banking login PIN, TAN and password. 
5. Disclosure of Your Information
5.1. Group Companies
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries who are based in different countries within the EEA and in the USA. This may be necessary in order to, among other things, fulfil your request, process your payment details, provide support services and monitor fraudulent activities.

5.2. Merchants and other Skrill Customers
When sending money to another Skrill Account holder or a merchant who you wish to pay we will, at a minimum, pass on your email address to the recipient. Depending on the requirements of the merchant and the type of payment involved, we may also send other personal details such as your name, address and country of residence if the recipients request this information from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks.

5.3. Fraud and Credit Reference Agencies
When you open a Skrill Account, at intervals of up to every 3 months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your Skrill Account, financial history and transactions as part of our normal business operations with our banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies (including, but not limited to, Schufa Holding AG) to identify and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your written request to the email address set out in the Contact Us section below. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies. If you want to know what information these companies hold about you, you can write to them to request access to your information.Please refer to our Money Laundering Policy for further details.

5.4. Other Disclosures
We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We do not sell your personal information to third parties. We may also disclose your personal information to:

a prospective buyer of our business or a buyer of a substantial number of the shares in our business,
the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others,
third parties where you have expressed an interest in receiving information about their goods and services, and
third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral. Where the commission payment is based on transaction volumes, numbers or types of transactions, we may share that information with that third party, but we will not disclose the full details of each of your transactions without your further written consent.
third parties we may occasionally use to provide you with the services that you have requested. We require these third parties to not use your personal information for any other purpose.
6. Communicating With You
We may contact you by email to the primary email address registered with your Skrill Account or by telephone to the contact telephone numbers you have provided when registering for your Skrill Account. You can change your primary email address and/or contact telephone number at any time, subject to the provisions of section 8 below.

You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your account.

6.1. Newsletters and Marketing
As a Skrill Account holder, you will occasionally receive information by email from us, unless you have chosen not to receive such communication, and if you have consented to do so from our group companies too, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us and our group companies in the “Profile” section of your Skrill Account or in any newsletter email by clicking on the appropriate ‘opt-out’ link. Please note that you will still receive communication regarding your Skrill Account such as transactional emails or other notification affecting the operation of your Skrill Account or our legal relationship.
From time to time we do share aggregated information about our customers’ use of our website and services with other companies for research and analysis purposes, but you cannot be identified from this aggregated information.

6.2. Phishing
Phishing is the name given to attempts to steal personal details and financial account details from a website user. “Phishers” use fake or “spoof” emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords. WE WILL NEVER SEND EMAILS ASKING YOU FOR SUCH DETAILS AND OUR STAFF WILL NEVER ASK YOU FOR YOUR PASSWORD.
If you do receive such an email or are asked for your password by anyone claiming to work for us please forward the email or report the incident by email to our Data Protection Officer (contact details are at the end of this policy) or by contacting Customer Services. 
7. Links to Other Websites
Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Our Web site also includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. 
8. Accessing and Updating Your Information
If your personal details (such as your name, address, or telephone number) change you should update and can also delete your details in the “Profile” section of your Skrill Account or by contacting Customer Services via the “Contact” section of the Website as soon as you can. We shall not be liable for any loss arising out of your failure to keep your personal details up to date. Your address and phone number can only be changed once in any 3 month period. In order to deactivate your Skrill Account, please refer to the Skrill Account Terms of Use.
You have the right to access information that we hold about you. To do so, please contact us at the address given at the end of this policy. Access may be subject to a fee of up to £10. 
9. Cookies
9.1. General

A cookie is a small amount of data which contains information that is downloaded to the device from which you access our site. Cookies are useful because they allow us and other websites to recognise your device. For more comprehensive information about how cookies work, see

Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. For example, they can allow you to navigate between web pages of our site and remember your preferences such as your language selection.

9.2. Types of Cookies and Consent

In order to comply with legislation, we have reviewed the use of cookies on our site and set out the information below. This is to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of these cookies on your device when you use our site.In summary, we use the following types of cookies:

Strictly necessary cookies – These are cookies which are essential for our site to operate such as those which identify you so you can log into your Skrill Account. They allow you to move around our website and use the services you have requested. These cookies will be activated when you enter our site and as you use our site.
Compliance cookies – These include cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your Skrill Account from being hijacked. These cookies will be activated when you enter our site and as you use our site.
Performance cookies – These are cookies that help us to improve how our site works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the site of one of our group or affiliated companies. All information collected by these cookies is aggregated and therefore anonymous.
Functionality cookies – These cookies allow us to deliver a more personalised service to you and allow our site to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.
Third Party cookies – When you visit a page on our site with content embedded from third parties, for example, YouTube or Twitter, cookies may be downloaded onto your device. We do not set or control these cookies. If you are concerned about the types of cookies that may be downloaded you check the third party websites for more information about these cookies.
Further details of the cookies we use and how they relate to the descriptions set out above can be found in Annex A to this policy. We may use other cookies from time to time in accordance with this policy. By using our sites and other online services, you acknowledge that we may use some or all of the cookies set out in Annex A and you agree that we can place Performance and Functionality Cookies on your device when you use our site. If you do not agree to this you should cease using our sites and online services or adjust your browser settings. Please see section 9.3 below.

9.3. Blocking Cookies
Should you want to continue using our services but restrict our use of cookies, you can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including Strictly necessary and/or Compliance cookies, as set described above) you may not be able to access all or parts of our site. Our site may issue some of the cookies described above as soon as you visit our site unless you have adjusted your browser setting so that it will refuse cookies.
10. Contact Us
Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to:
Post: Data Protection Officer, Skrill Ltd, Floor 27, 25 Canada Square, London, E14 5LQ, United Kingdom.
Strictly necessary

SESSION_ID – This is required to enable you to use and login to our website. We create a temporary ‘session’ that is unique to you.


umta, utmb, utmz – These cookies help us improve the customer experience of our website, we use Google Analytics to monitor our traffic and to monitor the effectiveness of our marketing campaigns. To find out more please see the Google Analytics web page.
REFERRAL_ID – We operate an affiliate programme to reward customers who refer their friends, family and others who they think will benefit from our services. We use cookies to check if a customer has been referred by an affiliate.

mb_current_language – Example value: “EN”, this ensures we show you the website in the correct language, and the correct website for your region.


PREF – Example value: “fv=11.1.102”, this cookies tells Youtube the flash version you have installed in your browser, so that your viewing experience is optimal.

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Risk Warning

Trading foreign exchange on margin carries a high level of risk, and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to invest in foreign exchange you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with foreign exchange trading, and seek advice from an independent financial adviser if you have any doubts.