Privacy Policy Website

This Privacy Policy sets out how Inswitch Group ("Inswitch", "we", "our") processes personal data of website visitors and application users, our clients, suppliers/partners and their personnel, and any other contacts. This Privacy Policy comes into effect on July 4th and includes a description of your data protection rights. Please read this Policy carefully.

Inswitch Group is composed by:

  • IN SWITCH AR S.A, located at Nicaragua 5747, Floor 2D, Palermo, Autonomous City of Buenos Aires, Argentina.
  • Inswitch Tecnologias Financeiras Ltda, located at Alameda Vicente Pinzon, 54 - Vila Olímpia, São Paulo, Brazil.
  • Inswitch Chile SPA, located at Av. Andres Bello, 2687 of 2401, Las Condes, Santiago, Chile.
  • Inswitch Colombia SAS, located at Carrera 16 No. 127-81 T7 Office, Bogotá DC, Colombia.
  • Inswitch El Salvador SA de CV, located at Calle XOCHIMILCO Casa 6, Reparto GUADALUPE, San Salvador, Soyapango, Block A, El Salvador.
  • IN SWITCH Guatemala SA, located at Av. Reforma, 12-01, zone 10, Ed. Reforma Montufar, level 4, office 407, Guatemala.
  • Inswitch S.A.P.I. de C.V. located at Av. Cuauhtemoc Nro Ext: 1233 Nro Int: 307, Santa Cruz Atoyac, Benito Juárez, Mexico City, Mexico.
  • Inswitch Perú S.A.C., located at Av. Alvarez Calderón N°185 OF. 201, San Isidro, Lima, Peru.
  • Inswitch Solutions S.A., located at Solano García 2559, Punta Carretas, Montevideo, Uruguay.
  • Inswitch Pay S.A.S., located at Solano García 2559, Punta Carretas, Montevideo, Uruguay.
  • Inswitch Solutions Inc., located at 5220 S University Dr STE 102C, Davie, Florida, USA.
  • Inswitch Holding Ltd., located at 5 New Street Square, London, United Kingdom.

1. What is Inswitch and how does this privacy policy work?

Inswitch Group's Global Privacy Policy explains how we collect and manage your personal information when you use our websites, applications, payment platforms, or technological and financial services. "Inswitch", "we", or "our" in this Privacy Policy refers to the Inswitch company handling your personal information. Although this Policy applies organization-wide, specific rules may exist for each country related to local products or services. If there are differences between this Policy and specific country rules, the latter will prevail.

 2.  Types of personal data we collect

"Personal information" is any data that can be used to identify a person. Depending on who you are (merchant, consumer, cardholder, client, supplier, or business partner) and how you interact with us (by phone, online, or in person), we may collect, use, store, analyze, combine, transfer, or otherwise process various categories of personal information.

Below are the categories of personal information we may collect about you:

Categories and data:

- Contact information:
Phone numbers, address, country, email, and billing address.

- Financial information:
Bank account data, credit or debit card information.

- Payment information (transactions):
Personal account numbers, credit card names, merchant names and identifiers, transaction date and amount, and other information provided by you, banks, or merchants.

- Technical information:
IP addresses, browser type and version, operating systems, timezone settings, geolocation information, content and pages accessed from our website(s), applications or platform(s), and access routes used.

- Marketing and communication information:
Communication with customer service, behavioral data (e.g., collected through cookies).

3. How we use personal data and our legal basis

We process your personal information only if we are legally authorized. Generally, we use your information in the following situations:

  • When necessary to fulfill a contract with you, either directly or indirectly.
  • When necessary for our legitimate interests* (or those of a third party). We ensure that your fundamental rights prevail over our interests.

*There is a legitimate interest when we have a business or commercial reason to use your information. This interest includes:

  • Providing and maintaining our website and application.
  • Managing queries, comments, and complaints.
  • Protecting our rights, property, safety, and business.
  • Ensuring the security of our website, application, products, and services.
  • Administering, operating, testing, and providing technical support for the system.
  • To comply with our legal obligations, such as in cases of anti-bribery and anti-money laundering.

Explicit consent may be required by law. In some countries, there may be other legal basis for processing your personal information, depending on applicable laws and services offered to you.

4. Purpose for Inswitch processing your personal information        

4.1. Verify, authenticate, and authorize the use of our products or services:

To authenticate and authorize the use of our products or services, we conduct risk assessments and the "know your customer" process. Depending on whether you are a merchant, consumer, or client, and the product or service you choose, we may need personal information such as your identity, contact, and financial data. This is necessary for Inswitch to evaluate your contract application and comply with our legal obligations.

 4.2. Process payment transactions made through our platforms:

To provide a service or product, and according to available payment methods in your country, Inswitch requires certain types of personal information. Inswitch offers a variety of local and international payment methods, each with specific terms and legal obligations.

4.3. Protect our business and ensure compliance with the law:

We process personal information to comply with current laws and regulations and the requirements of financial institutions with which Inswitch works. This includes:

  • Authenticating and validating payments to protect against fraud and false identity, using your personal and non-personal information.
  • Consulting and reporting your information to credit operators or financial institutions as required by law.
  • Verifying your identity to confirm the accuracy of information according to law or payment system rules.
  • Processing your information if you exercise your right to dispute purchases or if your transaction is subject to dispute or refund.
  • Ensuring the continuity of our business and adequate recovery from failures in our websites, applications, platforms, services, and products.

4.4. Managing our relationship with you:

If you communicate with us or provide us with your contact information (e.g., by registering or filling out a form on our website), we may use your personal information to:

  • Inform you about the products or services you have with us and any related changes.
  • Notify you of service or product interruptions.
  • Request information to improve or develop services or products, and to communicate effectively with you.
  • Provide assistance and solutions to problems, or send you notifications about the services or products we offer.
  • Use your information in transaction control or fraud reports, as per our contract.

5. Cookies

We use cookies and similar technologies in relation to our website and application. For more information on the use of these technologies, please send an email to inswitch_datos@inswitch.com.

6. Sharing with third parties

Inswitch will never share personal data contained in its platforms used to provide services with third parties for commercial or marketing purposes.

Inswitch will not transfer or sell personal data to third parties. However, Inswitch may share data within its organization solely for the purpose of providing its services. This may include Inswitch employees and agents.

Inswitch is an international company; therefore, and only if necessary and by prior agreement, personal data may be transferred internationally and located on servers outside the country where they were originally uploaded, including countries outside the United States of America, Uruguay, Brazil, Mexico, etc., or countries that do not have laws providing specific protection of personal data or that have different legal standards for data protection. In such cases, Inswitch will take measures to ensure that there is a legal basis for such transfer and that adequate protection is provided for personal data as required by applicable laws, for example, by using standard agreements approved by relevant authorities (when necessary) and requiring the use of other appropriate technical and organizational measures for information security.

The confidentiality of personal data will be preserved, which will not leave the Inswitch infrastructure in which they are hosted, remaining within the services used for their proper processing.

7.     Data retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which we collected them. Retention periods are determined based on the type of record, the nature of the activity, product, or service, and applicable legal or regulatory requirements. Therefore, your personal data is retained for at least five years after the end of your relationship with us, unless such retention period is exceeded as necessary to:

  1. Comply with our legal and regulatory obligations, including anti-money laundering laws.
  2. Establish, exercise, or support legal claims.

8.     Data destruction

All personal data that has been stored will be destroyed in any of the following cases:

  • The legal retention period of the data is reached.
  • Compliance requirements for security standards (e.g., PCI-DSS).
  • It has been requested by you.

The method of data destruction must be secure. In the case of AWS, it will be based on the data security guidelines provided by the platform.

In the case of on-premise platforms, secure deletion must be performed by the owner of the hardware where the Inswitch service was installed.

9.  Your data protection rights

You have the following rights regarding the personal data we process about you:

  1. Access to your personal data. 
  2. Rectify or correct your personal data.
  3. Erase your personal data (also known as the "right to be forgotten"). 
  4. Object to the processing of your personal data in certain circumstances (particularly where we do not need to process the data to comply with a contractual requirement or other legal requirement). 
  5. Obtain the personal data you provided to us for a contract or with your consent in a structured, machine-readable format and ask us to share (port) this data to another party (known as the right to "data portability").

The above rights may be limited, for example, if complying with your request would reveal personal data about another person, where they would infringe the rights of a third party (including our rights), or if you ask us to delete information that we are legally required to keep or have overriding legitimate interests in maintaining. Relevant exemptions are included in data protection laws. We will inform you of the relevant exemptions on which we rely when responding to any request you make.

You also have the right to withdraw your consent to the processing of your personal data at any time where we have requested your consent. Any withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal by you.

To exercise any of your rights or if you have any other questions about how we use your personal data, you can contact our data security department via email at inswitch_datos@inswitch.com.

10. Security: How we protect and store your personal information

At Inswitch, the security of your personal information is our priority. We adopt necessary legal, technical, and organizational measures to ensure the confidentiality and protection of your personal information, in compliance with current laws. 

We regularly review our policies on the collection, storage, and processing of your personal information.

11.  Updates to this Privacy Policy

This Privacy Policy is subject to updates, and such updates will be posted on this website/application. We may also notify you in other ways from time to time about the processing of your personal data.

This Privacy Policy is applicable to this Website, social media, mobile applications, and email communications operated by Inswitch Solutions (hereinafter called “Inswitch”).

Inswitch respects the privacy of the User and commits to observing applicable laws and statutes relating to privacy as well as the principles set forth in this Privacy Policy.

Personal data

In general, Inswitch Website can be used without the User having to provide any personal data, unless the User voluntarily opts to provide such information to us by filling the “Contact us” form or in order to process the strictly necessary data to enable the website functionality. In that case, certain personal data such as name and e-mail address will be required.

Inswitch will hold and process any personal data which the User provides via the Inswitch Website for its own internal business purposes.

Inswitch may use personal and other data for market research, updates, queries and other actions in relation to the development and improvement of its products and services, as well as for hiring and selling/marketing its own products and services to the User.

Please note our Website includes hyperlinks to other websites neither owned nor managed by us. Inswitch is not associated with these third-party websites and does not review their privacy policies. We cannot guarantee the privacy of any information that may be obtained by third parties on such other websites. We strongly encourage you to review the privacy policies of any website you visit before providing  any personal information through such a website. The personal information provided by you to any third–party website shall be governed by the privacy policy of such third party website and/or applicable laws.

Inswitch shall not transfer or sell personal data to third parties. Inswitch may, however, share data within its organization for the sole purpose to fulfill its services.. This may include Inswitch’s employees and agents.

Inswitch is an international company. Therefore, your personal data may be transferred internationally and be located in servers outside the country where you have submitted your personal data, including countries outside the United States of America, Uruguay, Brasil, Mexico, etc, or countries that do not have laws providing specific protection for personal data or that have different legal rules on data protection. In such cases, we take steps to ensure that there is a legal basis for such a transfer and that adequate protection for your personal data is provided as required by applicable laws, For example, by using standard agreements approved by relevant authorities (where necessary) and by requiring the use of other appropriate technical and organizational information security measures.

We may be obligated by the law to disclose your personal data to certain authorities or other third parties; for instance, to law enforcement agencies in the countries where we operate. We may also disclose and otherwise process your personal data in accordance with applicable law to defend Inswitch’s legitimate interests, for example, in civil or criminal legal proceedings.

Should you have comments or concerns on your personal data management, please send an e-mail to infosales@inswitch.com where your request will be attended.

Non-Personal Information Collected Automatically

When you access our Website our cookies may automatically (i.e., not by registration) collect information that is not personally identifiable (e.g., type of Internet browser and computer operating system used; domain name of the Website from which you came; number of visits, average time spent, pages viewed etc). Inswitch is committed to the privacy of its Website visitors. Please note that we may provide aggregate statistics about our customers, sales, traffic patterns, and related Website information to reputable third parties, but these statistics will include no personally identifiable information. We use this information because we have a legitimate business interest in understanding how our website is accessed, how it is used and any problems Users may have with it across multiple devices. We will keep this information for a reasonable length of time.

Why we use cookies

We use cookies to analyze how visitors arrive at and navigate in our website to improve their experience in the future. In addition these cookies will help us to send you relevant information about Inswich.