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BULGARIA | City of Sofia 1324 Sofia Region (capital)

Stolichna municipality, Lyulin district, g.k. Lyulin 8 | St. 3011, No. 9, bl. 2, entrance A| Phone +447883270057
E-mail: privacy [@]

Company code: 205142105
Registered office: Sofia (BG)
D.PO Data Protection Officer: dpo [@]

Privacy Policy


This privacy policy helps you understand how we collect, use and protect your personal data while using our websites (,, as ‘Our Sites’), our mobile applications (the ‘apps’) or if we receive your personal data for recruitment purposes.


UESE INTERNATIONAL EOOD is a company incorporated and existing under the laws of the Sofia (Bulgaria), registered in the Trade and Companies Register under number 205142105, with registered office Stolichna municipality, Lyulin district, g.k. Lyulin 8. UESE INTERNATIONAL EOOD, owner of the gipay payment global solution brand, is a new generation fintech partner of Paynetic, a European company, it is the only non-bank financial institution with a Mastercard Principal Member license, which allows the issuance of payment with the MasterCard logo.

Paynetic assumes responsibility for the processing of your personal data. This means that we are “data controllers” under the General Data Protection Regulation (also known as the GDPR). We fully comply with the GDPR and the obligation of professional secrecy imposed by European legislation. We have designated a Data Protection Officer (DPO) who is responsible for overseeing matters relating to this privacy policy. If you have any questions about this privacy policy or how we process your personal data, please contact us by email at, or by post at Sofia (BG) Stolichna municipality, Lyulin district, g.k. Lyulin 8.


The personal data we collect includes:

name and surname, date of birth, gender;
identity card data;
contact information, including address, telephone number and e-mail address;
financial information, including credit / debit card details and data relating to other payment methods (although we do not keep complete payment card details) and information on where the funds come from;
identifiers assigned to your computer or other devices, including your internet protocol address (IP address).

Furthermore, by using our sites and apps, cookies may be stored on your devices. Below you will find more information on cookies, under “Cookies and web beacons”.

Special categories of personal data

Paynetic does not intentionally collect any particular category of personal data (sensitive personal data) through our sites or apps, unless in certain countries this is not required by law, for example for recruitment purposes. Sensitive personal data includes: information revealing ethnic origin; political opinions; religious or philosophical beliefs; trade union membership; the processing of biometric and genetic data for the sole purpose of identifying a natural person; health data; data relating to the life or sexual orientation of a natural person; in some cases, social security number or financial information.


Paynetic undertakes to protect the confidentiality and security of the data obtained in the course of the activity. Access to such information is limited and rules and procedures are in place to safeguard data from loss, misuse and improper disclosure.


We keep personal data for the minimum period of time necessary for business purposes to offer our services and to comply with legal or regulatory obligations. We may retain your personal data for periods of time exceeding the minimum required by law if this is in our legitimate business interest and is not prohibited by law. We use cookies, web beacons and other web technologies, as appropriate, to improve your browsing experience. These technologies have limited expiration times.


Most of the personal data we hold is provided directly by you. We collect data for example when:

visit our sites and register to receive information from us or subscribe to our newsletters;
download PDFs or other files or data from our sites;
you contact us directly, either through our call center, or via e-mail or social media;
you register for the purpose of recruiting and updating vacant positions;
apply for a vacancy through our sites;
respond to messages or surveys;
visit our sites and request a prepaid product;
initiate a request for a prepaid product, but do not complete it;
send requests or messages to our customer service;
use our apps;
accept the use of cookies.

We will also collect your data if you contact us through one of our external partners (for example if you apply for a vacant position using a third party service provider, such as an employment agency or our human resources management tool).

To better understand you and to verify your identity, we may integrate the personal data you provide with other categories of data obtained from other sources.

We may occasionally change or expand these sources. The chan ges will be updated in our Privacy Policy.

Data we collect on social media platforms

You can participate in social media platforms that we make available. The main purpose of these social media platforms is to inform, assist and collaborate with you. We follow and record comments and posts posted on these channels in order to improve our products and services. We use a third party provider to manage our social media interactions. Private or direct messages sent to us via social media are kept for a period of three years.

Paynetic may provide links that connect to other social media platforms managed separately by individuals or organizations which are outside the control of Paynetic. Paynetic makes no representations or warranties regarding the accuracy or other aspects of the information present on these servers.

A link referring to a third party site should not be interpreted as an approval by Paynetic of such third parties or related products or services, nor vice versa. Furthermore Paynetic is not responsible for any information published on such sites that is not published by ourselves. We do not endorse the social media sites themselves, nor any information posted on them by third parties or other users.

We recommend that you consult the privacy policy of each third party site linked from our sites for information about the use of your personal data by those sites.

What information we collect when you use our call center

We use a third party provider to manage our gipay customer service phone interactions. When you make calls to our gipay call center, we collect information about the calling line identification (CLI information), as well as information about the calling person, for security purposes and for identification and verification purposes. This information is used to help you with requests and to improve the efficiency and effectiveness of our service.

We may also monitor or record calls in the event that it is necessary to verify whether we have followed your instructions correctly, to answer questions or solve problems, for regulatory purposes, to help improve the quality of service and to help detect or prevent fraud or other crimes. Conversations can be monitored and / or recorded for staff training purposes.


We will retain and use your personal data to the extent necessary to perform a contract between you and us, to comply with our legal and regulatory obligations for our legitimate interests or, for some additional purposes, on the basis of your explicit consent. Examples of how we may use your personal data include:

to administer your account (as necessary for the performance of a contract between you and us and / or as necessary for our legitimate interests);
to carry out anti-fraud and anti-money laundering checks as well as to verify your identity (as necessary for compliance with our legal and regulatory obligations and / or as necessary for our legitimate interests);
in order to process payments (as necessary for the performance of a contract between you and us / and as necessary for our legitimate interests);
to send you information about our products and services (as necessary for the performance of a contract between you and us / and as necessary for our legitimate interests);
to monitor your use and effectiveness of our sites and apps (as necessary for our legitimate interests);
to carry out market research and statistical analysis, including the analysis of your use of our sites and the development of new products and services (in accordance with the settings you have chosen for the consent of cookies);
to fulfill our obligations established by a competent body, tax authority or financial administration (as necessary for compliance with our legal and regulatory obligations and / or as necessary for our legitimate interests);
to store the curriculum vitae of unselected applications, in accordance with our data retention policy, which may be considered to fill future vacancies (as necessary for our legitimate interests).

Our legitimate interests as above (and hereafter) include our legitimate business purposes and business interests in conducting our business in a customer-focused, efficient and sustainable manner, in compliance with all applicable laws and regulations.

Use of your data for fraud prevention

In certain situations, before providing you with our prepaid products and services, we use your personal data to carry out checks to prevent fraud and money laundering and to verify your identity. We use a third party service provider, onFido, to verify your identity documents. We also use Lexis-Nexis to verify your name and country of residence in relation to sanctions and the list of politically exposed persons, as required by law. We may also share your data with other financial institutions and law enforcement agencies in order to prevent fraud, money laundering, terrorist financing and other financial crimes, within the limits of privacy legislation.

If we or a fraud prevention agency determine that you pose a risk of fraud or money laundering, we may refuse to provide you with any prepaid products or services you have requested. We may also stop providing existing services to you. Records of any risk of fraud or money laundering will be kept by us and by the fraud prevention agencies. It may also result in others refusing to provide you with products, services, financing or employment. If you have any questions regarding our processing of your data for fraud prevention purposes, please contact us via the data provided above.

If Paynetic and fraud prevention agencies process your personal data, this is done on the basis of a legitimate interest in processing your data in a way that protects our business and in accordance with the various laws in force. Such processing may also constitute a contractual obligation relating to the services you request from us.

Use of your personal data for marketing purposes

In addition to the aforementioned purposes, we may also process your personal data for marketing purposes, to send promotional information relating to similar products and services by post, e-mail, SMS and other channels, such as social media platforms, if you have given explicit consent.

You can object to the sending of information material at any time – for this purpose please use the unsubscribe link in our marketing emails or SMS messages, or send us your name, address and date of birth by email to dpo @ or by post to the address of the registered office.


Where relevant, given the nature of our relationship or our products and services provided to you, we may share your data with the following categories of third parties:

payment service providers (as necessary for the execution of a contract between you and us);

  • third party service providers with whom you also have a contractual relationship (as necessary for our legitimate interests and for the legitimate interests of the third party service provider with whom you also have a contractual relationship);
  • third party service providers, to whom we direct for the purpose of processing information relating to the services (as necessary for the performance of a contract between you and us / and or as necessary for our legitimate interests and / or as permitted by you with your explicit consent);
  • third party data providers, as set out in “How We Collect Information About You” (as necessary for our legitimate interests);
  • third party service providers who support the operation of our business, such as IT and marketing providers, financial service providers and other administrative support services that make our sites functional (as necessary for the performance of a contract between you and us / and or as necessary for our legitimate interests);
  • fraud prevention agencies and associations (as necessary for compliance with our legal obligations and / or as necessary for our legitimate interests);
  • as required by a court order or any other legal or regulatory obligation specified by institutions such as law enforcement, including the police, supervisory authorities, tax authorities and any other relevant authority that may be within their jurisdiction (such as necessary for the fulfillment of our legal and regulatory obligations).


The personal data we collect, and which are shared with the aforementioned third parties, may be forwarded and processed to a destination outside the European Economic Area (EEA). They may also be processed by staff operating outside the EEA who work for us or one of our suppliers.

In these circumstances your personal data will only be transferred on one of the following bases:

the country to which we send the data is approved by the European Commission as it is able to provide an adequate level of protection for personal data; or
the recipient has accepted the standard contractual clauses approved by the European Commission, which oblige the recipient to safeguard personal data; or
there is another situation in which the transfer is permitted under current data protection legislation.

For more information on how your personal data is protected when transferred outside the EEA (and if you would like to receive a copy of the standard contractual clauses we have entered into with recipients of your personal data outside the EEA), please contact us. using the details provided above.

Paynetic will only disclose your personal information to third parties who comply with the rules of the GDPR regulation and Bulgarian professional secrecy.


Paynetic with serves personal data only for the time strictly necessary; to fulfill these obligations, we have adopted strict review and retention measures. Unless otherwise specified, we keep your personal data for the time permitted or required by law and for the period in which there is a business interest for us.


Our sites and apps use cookies, web beacons and other web technologies, as appropriate, to improve performance and your browsing experience. These technologies help us track and monitor your habits and use of our sites and apps, in order to understand you better and thus be able to offer you a more personalized browsing experience.


We may place small data files on your access device. These data files can be cookies or other local memories provided by your browser or connected applications (briefly: “cookies”). We use cookies to recognize you as a customer, personalize our services, content and advertising, measure promotional effectiveness, help ensure that the security of your account is not compromised, reduce risk and prevent fraud, and promote trust and security through our sites and services.

What cookies do we use?

The cookies used on our sites or apps can be:

Transient (or session) cookies – exist only for the time of your visit to the site and are deleted upon exit. They recognize you as you move between pages, for example, by registering items placed in an online shopping cart. These cookies help maintain security.
Persistent (or permanent) cookies – remain on your computer or device until expired or deleted. Many of these are programmed with an automatic deletion date, to ensure that your hard drive is not overloaded. These cookies often store and re-enter your login details, so that you don’t have to remember all your registration details.

We use both types of cookies.

Furthermore, cookies can be proprietary or from third parties. Proprietary cookies are owned and created by Paynetic. Third party cookies are owned by and created by an independent company, usually a company that provides a service to website owners. These cookies collect information about the origin of your visit, where you have been exposed to Paynetic advertisements, what advertisements you have viewed, whether you have come directly or indirectly to our sites, the device you use to visit our sites or use our apps, and what downloads you have made.

You can change, enable or disable cookies before accessing our site for the first time or at any time by clicking on the cookie symbol.

For a complete list of third parties, please contact our responsible person at the e-mail address indicated below.

How to disable cookies?

You can refuse our cookies by setting your preferences in the pop-up window on your first visit to our sites. Essential cookies cannot be disabled as they are necessary for the website to function properly, for fraud prevention or for the security of our sites and apps. It is not possible to consult or use our sites if you do not want these cookies to be used. Refusing any cookie can compromise the use of sites / applications and our services. To enable or disable cookies, just click on the cookie symbol in the corner of our sites and follow the instructions.

Web beacons

We use small images (also called tracking pixels or clear GIFs – briefly: “web beacons”) on our sites, apps or emails, which remain invisible to you, but provide us with information about your experience and interaction with ours. sites, our apps and our emails, such as which browser you used, if an email was opened and the like. As part of our efforts to monitor the success of our advertising campaigns, we sometimes use visitor identification technology as such “web beacons”, which count visitors who have come to our sites after being exposed to a banner. Paynetic advertising on third party sites. Web beacons often work in conjunction with cookies. Web beacons do not collect sensitive identifiable personal data.


In accordance with the legislation on the protection of personal data, you have the right to:

obtain access to your personal data held by us and receive copies thereof;

  • request that we stop processing your personal data if processing causes damage or difficulty;
  • unsubscribe from marketing communications;
  • ask us to delete your personal data;
  • receive the personal data
  • about your person provided by you and stored by us, in a structured format, commonly used and readable by an automatic device, also for the purpose of transmitting such personal data to another data controller;
  • request the correction of your personal data in our possession if it is incorrect.

Please note that these rights may be limited by data protection legislation and we may be entitled to refuse requests where exceptions apply.


In the event of an alleged violation of the privacy law by Paynetic, you can contact us by e-mail at or by post at the address of the registered office.

If you are not satisfied with the way in which Paynetic has resolved your dispute, you have the right to lodge a complaint with the CNPD or the data protection authority of your country. You will find more information about your rights under data protection legislation on the CNPD website.


We may occasionally update this privacy policy by posting a new version on our sites. We recommend that you consult this page from time to time to ensure that you are happy with any changes. In the event of substantial changes, we can inform you about the changes to this information by e-mail.

If you have any questions or concerns regarding this Privacy Policy, please contact our Data Protection Officer (DPO) at or send a letter to UESE INTERNATIONAL EOOD, Stolichna municipality, Lyulin district, g.k. Lyulin 8.

The original text of this Privacy Policy is written in English. Any translation into other languages is provided for your convenience only. In the event of contradictions or discrepancies between the original English texts and their translation into any other language, the original English versions shall prevail as the case may be.



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