Privacy Policy

Effective Date: 8 September 2021
Last Updated: 8 September 2021


Deutschland: Hier können Sie die Datenschutzrichtlinie auf Deutsch lesen.

España: Lea la Política de privacidad en español aquí.

France: Lisez la Politique de confidentialité en français ici.

Italia: Leggere l’Informativa sulla privacy in italiano qui.

Nederland: Lees hier het Privacybeleid in het Nederlands.

Polska: Polityka ochrony prywatności w języku polskim jest dostępna tutaj.


1. Scope and Application of Policy


1.1. Coda Netherlands Holdings B.V. (“Coda Netherlands”) and its affiliates including Coda Payments Pte. Ltd. (“Coda Singapore”) (collectively referred to as “Coda” and “we”, “us”, or “our”) respect the privacy rights of its users and unreservedly acknowledges the importance of protecting all the information you share with us. Coda only collects and processes personal data from you where it is necessary for us to do so or where it is relevant to our dealings with you. To meet this commitment, we have adopted this Privacy Policy (the “Policy”). This Policy sets out our privacy practices in respect of the collection, processing, use, disclosure, transfer, retention, storage, and disposal of your Personal Data (as defined in Section 1.3 below) when we provide you with our services (“Coda Services”), and shall apply if you are residing in or located in the European Union/EEA or United Kingdom. In the event of any conflict between this Policy and any other privacy policy on our Platform, this Policy shall control to the extent necessary to resolve the conflict.


1.2. When you accept this Policy, you agree to the collection, processing, use, disclosure, transfer, retention or storage, and disposal of your Personal Data in the manner described in this Policy.


1.3. “Personal Data” shall refer to your personal information as an individual, whether true or not, from which you can be identified either by itself, or together with other information to which we have or are likely to have access. The Personal Data that we collect and process may include:

(a) Your first name and last name;

(b) Email address;

(c) Mobile number (or MSISDN);

(d) Publisher affiliation and/or IP address;

(e) Cookies and/or statistical/analytical data, such as your browsing behaviour, to the extent that you may be identified through these;

(f) Documentation that may help us to verify the accuracy of the information you have provided, such as proof of identity; 

(g) Your social media links or public profiles, and any personal information that may be visible thereon, which you may provide to us in the course of customer support dealings;

(h) Details in your curriculum vitae or resume, which you may provide to us in the course of applying for job openings; and

(i) Any other personal information that you may provide to us in the course of using the Coda Services.     


1.4. The collection and processing of your Personal Data enable you to make purchases from us via Coda’s mobile platform, server or database applications, or websites at Codapayments.com, Codapay.com and Codashop.com (the “Platform”).


1.5. We reserve the right to amend this Policy from time to time. Any amendments will be made available and published on our Platform and will take effect on the effective date stipulated herein above. You may determine if any such revision has taken place by referring to the date on which this Policy was last updated set out herein above. In relation to any material changes, we will notify you either, by prominently posting a notice of such changes before they take effect or by directly sending you a notification via email. We recommend that you check this Policy periodically to review the latest version. To the extent permitted under applicable law, your continued use of the Coda Services after an amendment constitutes your acknowledgement and acceptance of such changes. 


2. Collection of Personal Data


2.1. When you use the Coda Services or communicate with us, we collect your Personal Data. In these instances, you may provide your Personal Data to us directly, or it may be shared with us by our affiliates, your mobile network operator or the relevant third-party payment channel operator ( “Payment Channels”), or the publishers of digital products (“Publishers”), pursuant to your consent given to these third parties.


2.2. You may also choose to submit Personal Data to us via other methods, including: 

(a) in response to our communications; 

(b) through social media or online forums; 

(c) through participation in an offer, program or promotion conducted by us;

(d) while applying to any job opportunity via the "Careers" page on www.codapayments.com or https://jobs.lever.co/codapayments;

(e) when you sign up for our newsletter; and/or

(f) when you fill in the Partnerships and Marketing enquiry form on our website www.codapayments.com.


2.3. We also collect transaction information, such as purchase amount, date of purchase, information about the digital content, goods and/or services that you are purchasing (“Transaction Data”), in order to pursue our legitimate interests and to abide by our contractual obligation to provide you access to the Coda Services and/or our Platform. In most cases, these are not considered as Personal Data since your identity will not be apparent from them. However, to the extent that your identity may be determined from the Transaction Data, they will be considered as Personal Data under Section 1.3 and processed as Personal Data under this Policy. You agree to our collection of such Transaction Data from you when you use the Coda Services and/or our Platform.


2.4. You must provide us with information which is accurate and not misleading. In this connection, we reserve the right to request for documentation to verify the information that you provide to us.


3. Storage of your Personal Data


We store your Personal Data in AWS servers located in Frankfurt, Germany. However, please note that in order to process orders and to provide customer service/support, certain Personal Data is transferred to Singapore as well as other countries by our Processors (For detailed information please refer to Section 8 and 10).  


4. Legal Basis of our Processing 


4.1. We process Personal Data only if at least one of the following applies:

(a) You have given consent to the processing of your Personal Data;

(b) The existence of our legitimate interest, or that of a third party, which justifies that we process the Personal Data;

(c) The performance of a contract between you and us requires that we process the Personal Data; and/or

(d) We are required to comply with legal and regulatory obligations, which require the processing of the Personal Data concerned.


4.2. We have set out a table below to help you understand the legal basis for collecting each of the Personal Data:



Section Categories of Personal Data Legal Basis
Sub-section (a), (b) and (c) of Section 1.3 Your first name and last name; Email address; and Mobile number (or MSISDN) - Contractual obligation
- Legitimate interest
- Consent
- Legal obligation
Sub-section (d) of Section 1.3 Publisher affiliation and/or IP address Contractual obligation
Sub-section (e) of Section 1.3 Cookies and/or statistical/analytical data, such as your browsing behaviour, to the extent that you may be identified through these - Consent
- Legitimate interest
Sub-section (f) of Section 1.3 Documentation that may help us to verify the accuracy of the information you have provided, such as proof of identity - Contractual obligation
- Legitimate interest
- Legal obligation
Sub-section (g) of Section 1.3 Your social media links or public profiles, and any personal information that may be visible thereon, which you may provide to us in the course of customer support dealings - Contractual obligation
- Legitimate interest
Sub-section (h) of Section 1.3 Details in your curriculum vitae or resume, which you may provide to us in the course of applying for job openings - Contractual obligation
- Legitimate interest
- Legal obligation

5. Use and Disclosure of Personal Data 


5.1. Your Personal Data shall be processed for the following purposes:

(a) Transaction processing and content delivery;

(b) Marketing and promotional campaigns; and

(c) Other permitted uses and disclosures.


5.2. Content Delivery


5.2.1. Coda Netherlands provides content distribution services in the EU/EEA and UK via Codashop, and sells the relevant codes to you.


5.2.2. As an online distributor of digital content, and provider of related services, Coda will use the Personal Data collected from you and share it with third parties such as Zendesk, AWS, Google Analytics, Segment and Facebook (“Processors”), including our affiliates, the Payment Channels, and Publishers, for the purpose of providing you with the Coda Services, or where it is a necessary part of doing business with you.


5.2.3. Your Personal Data shall also be used for the following purposes:

(a) Facilitating your use of the Coda Services;

(b) Processing and verifying your online transactions and payments on our Platform; 

(c) Resolving any disputes in relation to your transaction; 

(d) Mitigating fraud;

(e) Informing you about products, services or promotional offers that you might find interesting if you have chosen to receive these types of communications;

(f) Enforcing our contractual rights; and 

(g) Providing you with information which you have requested from us.


5.2.4. For the foregoing purposes, your Personal Data will be shared between Coda Netherlands and the following:

(a) The Publisher supplying the content to Coda;      

(b) The Payment Channel that you have selected as your method of payment; and

(c) Coda Singapore and Processors.


If you reside or are located in the Netherlands where Coda Netherlands is present, you understand that Coda Netherlands acts as the controller of your Personal Data, and Coda Singapore is the processor, performing processing on behalf of the former.


5.3. Marketing and Promotional Campaigns


5.3.1. From time to time, we run promotional campaigns where we reward our users for being top spenders on our Platform in a particular country, for a particular publisher, or in other various categories. To this end, if you opt in then we may analyse transaction information collected from your purchase transactions and use your Personal Data to contact you for the purpose of awarding you with the prizes offered for such promotional campaigns, which typically would be free Publisher or Payment Channel credits, or other free gifts. These promotional campaigns are conducted by Coda, and your Personal Data will not be shared with any third party for such purposes. If you would like to opt out of receiving gifts and other prizes from promotional events, please contact us.


5.3.2. Coda may conduct promotional campaigns jointly or in partnership with Publishers, Payment Channels, or other third parties. In such instances, if you opt in then we may share with them your name, email address, and/or mobile number so that you can participate in these campaigns. If you would like to opt out of participating in these joint promotions, please contact us.


5.3.3. If you opt in to receiving marketing and promotional communications, we may use your Personal Data to notify you about promotional campaigns relating to any of the Coda Services or in connection with any Publishers, Payment Channels, or third parties, and we may share your name, email address, and/or mobile number with them for this purpose. If you would like to opt out of receiving marketing and personal communications or having your Personal Data disclosed for this purpose, please contact us.


5.4. Other Permitted Uses and Disclosures


5.4.1. You accept that we may also use your Personal Data for the following purposes:

(a) Maintaining and securing any user accounts that you may have with Coda;

(b) Notifying you of matters relating to your account or your transactions that may require your attention;

(c) Processing service requests, resolving concerns, and responding to queries or feedback that you may communicate to us;

(d) Managing or complying with our internal security or risk management mechanisms;

(e) Conducting statistical analysis or market and customer research; 

(f) To improve Coda Services to ensure that content is presented in the most effective manner for you and for your device;

(g) Improving your experiences with our customer care services; and

(h) Notifying you of material changes to this Policy or to our Terms and Conditions as may be necessary.


5.4.2. You understand and accept that we may also disclose your Personal Data to our affiliates, Publishers, Payment Channels, or other parties as permitted or required by applicable law, such as government authorities or regulators, or other necessary persons, for the following purposes:

(a) For or in connection with the negotiation of any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business; or

(b) If we believe that disclosure is reasonably necessary to (i) comply with any applicable law, regulation, legal process, or governmental request; (ii) assist in any investigations or proceedings; and (ii) protect the security or integrity of the Coda Services, us, or any of our users or the public from harm or illegal activities.


6. Your choices, rights and exceptions


6.1. Your right of information: You acknowledge that this Policy provides you with information about the purposes, legal framework, interests, recipients or categories of recipients with whom your Personal Data is shared, and the Personal Data transfer to a third country or international organization. In addition to this information and with the aim of ensuring fair and transparent processing of your Personal Data, you further acknowledge that you have received additional information concerning the period for which your Personal Data will be kept and the existence of the rights which are granted to you and how you can exercise them. If we decide to process Personal Data for purposes other than those indicated, all information relating to those new purposes will be communicated to you.


6.2. Your right to erasure of your Personal Data and your right to withdraw your consent: You have the right to have your Personal Data removed or withdraw consent (when processing we carry out is based on your consent) to the processing thereof. If you wish to have your Personal Data erased, or want to withdraw your consent, please contact us. However, please note that if your Personal Data is removed or you withdraw your consent for any of the purposes stated above, depending on the nature of your request, we may not be in a position to continue providing the Coda Services to you, or process and complete the transactions you wish to make on our Platform. Additionally, the exercise of right to erasure will not be possible when the retention of your Personal Data is necessary for compliance with laws and regulations and in particular for the establishment, exercise or defense of legal claims and withdrawal of consent will have no impact on the previous transactions based on the consent you gave before the withdrawal, subject to compliance with the statutory and regulatory obligations which requires data retention to which we are subject.


6.3. Your right of access to and rectification of your Personal Data: You have the right to access, update, or request correction of the Personal Data that you have provided to us at any time. If you would like to access the Personal Data that we have on file about you or request that we update or correct your Personal Data, you may contact us. Depending on the nature of your request, we may charge a reasonable administration fee, of which we will inform you as soon as reasonably practicable.


6.4. Your right to restriction of processing: You may request restriction of processing of your Personal Data in the cases provided for by applicable law and regulations. 


6.5. Your right to object to data processing: You have the right to object to the processing of Personal Data concerning you, including the right to object to marketing and promotional campaigns (as mentioned in Section 5.3 above).


6.6. Your right to data portability: You have the right to request that your provided Personal Data be moved to a third party, if the processing is based on consent or contract and the processing is carried out by automated means.


6.7. Your right to lodge a complaint with a supervisory authority: If your request or concern is not satisfactorily resolved by us, you may approach the Dutch Data Protection Authority (“Dutch DPA”). The Dutch DPA can provide further information about your rights and our obligations in relation to your Personal Data, as well as deal with any complaints that you have about our processing of your Personal Data. Please refer to the Dutch DPA contact details here.


All the rights enumerated above can be exercised by contacting us (please refer to Section 14 of this Policy).


7. Retention and Disposal of Personal Data


Your Personal Data will be retained for as long as is necessary to fulfil or complete the purpose for which it was collected and until it is no longer necessary for any other legal or business purposes. Thereafter, we dispose of your Personal Data in a manner that prevents further access or processing, including but not limited to deletion or irreversible anonymization. ​


8. Data Processors


8.1. For processing orders/fulfilling our contractual obligations, providing customer support/services, storage of Personal Data and for data analytics we use the following service providers:

(a) Zendesk, Inc. (“Zendesk”): Zendesk helps us in providing customer support/services to our users. Please refer to their privacy policy here;

(b) Amazon Web Services (“AWS”): AWS helps us in storage of Personal Data. Please refer to their privacy policy here;

(c) Google Analytics by Google LLC. (“Google Analytics”): Google Analytics helps us in performing statistical/data analysis. Please refer to their privacy policy here;

(d) Segment.io, Inc. (“Segment”): Segment helps us in performing statistical/data analysis. Please refer to their privacy policy here; and 

(e) Facebook, Inc. (“Facebook”): Facebook helps us in marketing and providing leads based on your consent. Please refer to their privacy policy here.


Please note that these Processors may transfer your Personal Data to a location outside of EEA depending on their respective privacy policies. Therefore, we recommend you to read each of the privacy policies to learn about the privacy terms applicable to you. 


9. Security


9.1. Coda makes reasonable efforts to safeguard Personal Data in our possession or under our control, in order to protect against loss, misuse, modification, unauthorised or accidental access or disclosure, alteration, or destruction. Unfortunately, no data transmission or storage over the internet can be guaranteed as totally secure. Nonetheless, we have adopted and currently practice administrative, organizational, technical, and physical security measures to protect your Personal Data to the best of our reasonable capacity, including but not limited to the following:

(a) Limiting Personal Data access to authorized and/or necessary personnel;

(b) Implementing technical solutions to ensure information security;

(c) Continuous monitoring and review of Personal Data protection measures; and

(d) Other security measures as may be required by the laws and regulations applicable in the country where you are located.


10. International Transfer of Personal Data 


10.1. As we operate internationally, your Personal Data may be stored and processed in a country outside of European Economic Area (“EEA”) where we have operations, where our Publishers are located and where our data Processors are located (For more information on Processors please see Section 8). You therefore accept and understand that we may share your Personal Data with recipients who are located outside of EEA, in order to provide the Coda Services to you, process and complete the transactions you wish to make on our Platform, or for any other purposes set out in this Policy.


10.2. In such circumstances, we take steps to ensure that these overseas recipients located outside of EEA shall provide a standard of protection to the Personal Data so transferred that is comparable to the protection under the EU General Data Protection Regulations as well as the local data protection laws applicable in your jurisdiction. We will take all steps reasonably necessary to ensure that your Personal Data is subject to appropriate safeguards, such as relying on a recognized legal adequacy mechanism, and/or by using standard contractual clauses, where applicable and that it is treated securely and in accordance with this Policy.


11. Collection of Statistical Data


11.1. We collect and also allow third parties (including but not limited to Facebook and Google) to collect statistical information relating to your website use and online activities as you interact with our Platform, using “cookies” and similar technologies. Such statistical information is anonymous in nature and does not identify who you are. This includes page visits, access times and dates, and browser type. This information is collected for analysis and evaluation to help us improve our Platform and the Coda Services. Please refer to our Cookie Policy for a detailed overview.


11.2. “Cookies” are a feature on your Internet browser which store small amounts of data on your computer when you visit a website. They allow us to recognise a particular device or browser so that we can personalise and curate content to your preferences and make our services and Platform more useful to you. “Cookies” do not tell us who you are unless you specifically give us personally identifiable information. You may be able to manage and delete “cookies” by selecting certain options on your browser. 


11.3. Your statistical data may be shared with our third-party partners: (i) with whom we advertise; (ii) who help us deliver or optimize our services; (iii) who wish to market their goods or services, which may be of interest to you; or (iv) who wish to improve their goods or services to be provided to you. 


12. Use by Minors​


Coda Services and our Platform are not directed to persons under the age of 18 ("minors”) and we do not and will not knowingly collect or solicit Personal Data from any minor. In the event we learn that we have inadvertently collected Personal Data from a minor, we will delete that information as quickly as possible. If you believe that we might have any information from or about a minor, please contact us. 

 

13. Links to Other Websites


Our Platform may contain links to other websites which are not maintained by us. Therefore, when visiting these third-party websites, you should read their respective privacy policies, which will apply to your use of their websites. We are not responsible for the content, use, or privacy practices of these websites. 

 

14. Contact Us


14.1. To contact us on any aspect of this Policy or your Personal Data, including but not limited to withdrawing consent, opting out of receiving gifts and prizes, opting out of receiving marketing and promotional communications, requesting access to your Personal Data, requesting an update or correction to your Personal Data, or exercising any of your rights under this Policy or applicable data protection laws, you may contact our Data Protection Officer at dpo@codapayments.com.


14.2. For any other issues, please contact support.eu@codapayments.com or visit our Help Center.