1. INTRODUCTION
Liquid Gateway Pte. Ltd. (“Liquid Gateway”, “Company”, “we”, “our” or “us”) respects your privacy and is committed to protecting your Personal Data.
This Privacy Policy explains how we collect, use, disclose, process and protect Personal Data
in connection with:
(a) our website;
(b) merchant onboarding and account management activities;
(c) our merchant referral, integration, implementation, reporting, support and related technology services; and
(d) our marketing and communications activities.
This Privacy Policy should be read together with our Website Terms of Use and Merchant Terms and Conditions.
2. IMPORTANT NOTICE REGARDING PAYMENT SERVICES
Liquid Gateway provides merchant onboarding, referral, integration, implementation, reporting, support, account management and related technology services.
Liquid Gateway is not a bank, financial institution, merchant acquirer, payment gateway operator or licensed payment service provider and does not provide regulated payment services in its own capacity.
Payment processing, transaction authorisation, settlement, refunds, chargebacks, reserves, fraud monitoring and related financial services are provided directly by independent third-party payment service providers, acquiring banks and financial institutions (“Payment Partners”).
Payment card information, payment credentials and payment transaction data are generally collected and processed directly by the applicable Payment Partner in accordance with its own privacy policy and terms.
Liquid Gateway does not intentionally collect, store or process payment card information except where strictly necessary and permitted by applicable law.
3. PERSONAL DATA WE COLLECT
Depending on the nature of our relationship with you, we may collect personal data, business information, compliance information and other information reasonably necessary for merchant onboarding, verification, compliance, account management, support, marketing and related business activities, including but not limited to the categories described below:
Merchant Information
• Business name
• Company registration information
• UEN and regulatory registration details
• Business address
• Contact information
• Business ownership information
• Beneficial ownership information
• Director and authorised representative information
Compliance Information
• Identity verification documents
• Know Your Customer (KYC) documentation
• Anti-Money Laundering (AML) information
• Sanctions screening information
• Tax information
• Regulatory information
Website Information
• IP address
• Browser information
• Device information
• Website usage information
• Cookies and similar technologies
Service Information
• Merchant onboarding records
• Support requests
• Communications with us
• Transaction summary information
• Account management records
Marketing Information
• Subscription preferences
• Event registrations
• Marketing communications history
4. HOW WE COLLECT PERSONAL DATA
We may collect Personal Data:
(a) directly from you;
(b) from your employer or business organisation;
(c) from Payment Partners;
(d) from government agencies and public records;
(e) from compliance providers and verification providers;
(f) through our website and online services;
(g) from third-party service providers.
5. PURPOSES OF COLLECTION
We may use Personal Data to:
(a) evaluate merchant applications;
(b) conduct KYC, AML and compliance reviews;
(c) provide onboarding, integration and support services;
(d) communicate with merchants and prospective merchants;
(e) comply with legal and regulatory obligations;
(f) manage risk and prevent fraud;
(g) improve our services and website;
(h) maintain business records;
(i) send marketing communications where permitted by law;
(j) enforce our legal rights and contractual obligations.
6. DISCLOSURE OF PERSONAL DATA
We may disclose Personal Data to:
(a) Payment Partners;
(b) banks and financial institutions;
(c) compliance, KYC and verification providers;
(d) professional advisers, auditors and insurers;
(e) regulators, government agencies and law enforcement authorities;
(f) cloud hosting providers and technology service providers;
(g) affiliated companies within our corporate group;
(h) potential purchasers or successors in connection with a merger, acquisition or business transfer.
7. INTERNATIONAL DATA TRANSFERS
Personal Data may be transferred to, processed in or accessed from countries outside Singapore.
Where required by applicable law, we will take reasonable steps to ensure that such transfers are subject to appropriate safeguards and protections.
8. DATA RETENTION
We retain Personal Data only for as long as reasonably necessary:
(a) to fulfil the purposes described in this Privacy Policy;
(b) to comply with legal, regulatory and contractual obligations;
(c) to establish, exercise or defend legal claims.
When Personal Data is no longer required, we will securely delete, anonymise or otherwise dispose of it in accordance with applicable laws and our internal policies.
9. DATA SECURITY
We implement reasonable administrative, technical and organisational measures designed to protect Personal Data against unauthorised access, disclosure, alteration, loss or destruction.
While no method of transmission or storage can be guaranteed to be completely secure, we take reasonable steps to safeguard Personal Data under our control.
10. YOUR RIGHTS
Subject to applicable law, you may have the right to:
(a) request access to Personal Data;
(b) request correction of inaccurate Personal Data;
(c) withdraw consent where consent is relied upon;
(d) request deletion of Personal Data where legally permitted;
(e) object to certain processing activities;
(f) request information regarding our processing of Personal Data.
We may require reasonable verification of identity before processing such requests.
11. COOKIES
Our website may use cookies and similar technologies to improve functionality, analyse website usage and enhance user experience.
You may manage cookie preferences through your browser settings.
12. CHILDREN
Our Services are intended for business users and are not directed toward children.
We do not knowingly collect Personal Data from individuals under the age of 18.
13. CHANGES TO THIS PRIVACY POLICY
We may amend this Privacy Policy from time to time.
Any updated version will be published on our website and shall take effect upon publication unless otherwise stated.
14. CONTACT US
If you have any questions regarding this Privacy Policy or our handling of Personal Data, please contact:
Data Protection Officer
Liquid Gateway Pte. Ltd.
33 Ubi Avenue 3, Vertex Tower A
#02-36
Singapore 408868
Email: sales@liquidgateway.com
Website: https://liquidgateway.com
