2. Types of Information that we collect

The types of information that we collect depends on the nature of our interaction, the source of the information and the basis of collection i.e., whether it is collected directly from you, from your use of our product and services, from our customers or from other sources.

Information that we collect may be necessary for us to provide you with our products or services including creating you an account, facilitate processing of your payment transactions, or monitoring compliance requirements under the law.

You do not have to provide us with your personal information or credit-related information. However, if you choose not to, we may not be able to provide you with access to our products or services, or assist with your enquiries, or respond to any complaint made to us.

The types of information we collect can be classified into two main categories: personal information including sensitive information, or non-personal information.

2.1    Personal information

We may collect personal information about an individual from:

(a)   Our customers and potential customers i.e., Merchants and Partners – we collect details to verify the identity of our customers and potential customers, assess their eligibility for our products and services, and for ongoing monitoring and fraud prevention. The types of information we may collect includes:

• full name, date of birth, email address contact details, current and previous addresses, country of citizenship, country of residence and signature.
• government issued identification numbers (to the extent permitted under the applicable law), such as passports, social security number, driver’s licence, or other national cards issued for identification purposes.
• other identity information required for credit checks, fraud prevention and risk assessment from third parties including independent identification verification providers, banks, financial institutions, government registries and credit reporting agencies for credit bureau.
• business name, location and details including merchant name, merchant ID, merchant category code, merchant location where a transaction occurred, and information about transactions processed by the Merchant as applicable.
• contact information (phone number and email) of the business entity and its personnel who interact with us, such as name, job title, address, telephone number, and email address.
• Information about individuals’ connection with a legal entity, such as an individual’s role, and whether he or she is a beneficial owner or authorised signatory.
• financial account information including bank account and credit card/ debit card numbers, bank statements and utility account statements.
• Profile information including marketing information with respect to preferences for receiving promotional communications for our product and services.

(b)    Customers of our Merchants and Partners – we collect information for and during provision of our services, on behalf of our Merchants and Partners. The types of information we collect may include:

• Contact details (phone number and email) which allows us to electronically send transaction receipts to the customers of our Merchants and Partners.
• Transaction data when the payment interface provided by us is used for making payments to the Merchant.
• Details of the products or services purchased, and information collected automatically using technology provided and activated by Aspire Digtal Group Payments or its suppliers, as set out in clause 2.1(c).

(c)    Suppliers including potential suppliers and service providers – we collect information to complete due diligence of suppliers and service providers, to communicate with them, for organising the provision of goods and/or services, and to assess their business. The types of information we may collect includes business contact information such as full name, role, mobile number, business address, and details of their key personnel.

(d)    Past, present, and prospective employees – this is information that we may collect directly from the job applicant or from a recruiter as part of our recruitment process. The types of information we may collect and hold about you includes:

• details to verify your identity including your full name, date of birth, gender, contact details, current addresses, country of citizenship/residency, date of birth and signature.
• occupation and employment details including employment status and any previous work experience.
• information in connection with your employment with us (which may include health information, bank account details and your tax file number).  
• information from or in connection with your resume or job application if you apply for a position with us (including information from referees and to verify your qualifications, work, and academic history).

(e)    Private and publicly available resources – we may collect this information to we or our third-party verification providers may collect information about individuals from publicly available resources (such as accessible government lists) and private or commercially available resources (such as reports or information from credit reporting agencies or fraud prevention agencies) to the extent permitted under applicable law.

(f)     Online surveys, feedback, and contests – we may conduct online surveys, solicit your feedback, or hold contests to better understand your needs, to provide you with enhanced services, to improve our services, and to help you use our services more effectively. If you participate in our online surveys or provide feedback, we may collect information such as your full name, email address, and demographic information. Participation in our surveys or contests, or providing feedback, is completely voluntary and you therefore have a choice whether to disclose this information. We will not share the personal information you provide with other third parties unless we give you prior notice and choice. We may display your feedback or personal testimonial on our website, subject to obtaining your consent.