Andaria Ltd. ("Cosmo Payment") takes the privacy of our customers seriously. We are committed to safeguarding your privacy while providing a personalised and valuable service.
Personal information is collected by Cosmo Payment. We collect personally identifiable information about you (your "Data") through:
The use of inquiry and registration forms.
The provision of your details to us either online or offline
The elements of your Data that we collect may include:
Home, shipping and billing addresses phone and fax number
Mobile telephone number
Market research data such as customer usage patterns
Use of Personal Information
We use your Data for purposes, which may include:
Providing our customers with a personalized service.
Processing orders, registrations and inquiries.
Conducting market research surveys.
Measuring interest in and improving our website, products, and services.
Providing you with information about products and services we offer. You may stop the delivery of marketing emails by following the instructions accompanying a particular communication or by contacting us at firstname.lastname@example.org.
We also use information in aggregate form (so that no individual user is identified):
To build up marketing profiles
To aid strategic development
To audit usage of the site
We use information from cookies for purposes, which may include:
Identifying returning users and registrants
Enabling you to move more easily around our site
Tracking your use of our site to better develop our sites in accordance with your requirements
Building up a demographic profile.
If you do not want to help us learn how to improve our site, products, offers and marketing strategy, you may choose to set your Web browser to not accept cookies.
Further information on how to prevent cookies from being stored on your computer can be found on http://www.allaboutcookies.org under the 'manage cookies' section. Alternatively go to the help menu within your Internet browser.
From time to time we may permit 3rd party companies to set cookies on Cosmo Payment sites for purposes which may include market research, revenue tracking or to improve functionality of the site.
Cosmo Payment has appropriate measures in place to help ensure that our users' Data is protected against unauthorized access or use, alteration, unlawful or accidental destruction and accidental loss. Although we make reasonable efforts to protect your Personal Information from loss, misuse, or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the Internet. There is also some risk that thieves could find a way to thwart our security systems.
Transfer of Data
The Internet is a global environment. Using the Internet to collect and process personal Data necessarily involves the transmission of Data on an international basis. Therefore, by browsing Cosmo Payment sites and communicating electronically with us you acknowledge and agree to our processing of personal Data outside of the country in which you reside, including in the United States.
Access to Data
You may request a copy or send a correction of the personal information we hold about you by contacting the Privacy Officer at or writing to:
Privacy Officer, Intercash, Clinch’s House, Lord Street, Douglas, Isle of Man, IM99 1RZ.
We may charge the allowable fee under applicable law for provision of this information.
Disclosure to Third Parties
At times Cosmo Payment may make certain personal information available to strategic partners that work with Cosmo Payment to provide products and services, or that help Cosmo Payment market to customers. Personal information will only be shared by Cosmo Payment to provide or improve our products, services and advertising; it will not be shared with third parties for their marketing purposes.
Integrity and Retention of Personal Information
We do not knowingly collect personal information from children under 13. If we learn that we have collected the personal information of a child under 13 we will take steps to delete the information as soon as possible.
We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure of information we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your Cosmo Payment Account, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 128bit encryption, certified by Verisign Secured.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your Cosmo Payment Account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately contact Customer Services and tell us why you think your login details have been compromised. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
Disclosure of Your Information
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries who are based in different countries within the EEA and in the USA. This may be necessary in order to, among other things, fulfill your request, process your payment details, provide support services and monitor fraudulent activities.
Merchants and other Cosmo Payment Customers
When sending money to another Cosmo Payment Account holder or a merchant who you wish to pay we will, at a minimum, pass on your email address to the recipient. Depending on the requirements of the merchant and the type of payment involved, we may also send other personal details such as your name, address and country of residence if the recipients request this information from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks.
Fraud and Credit Reference Agencies
When you open an Cosmo Payment Account, at intervals of up to every 3 months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your Cosmo Payment Account, financial history and transactions as part of our normal business operations with our banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies to identify and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your written request to the email address set out in the Contact Us section. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies. If you want to know what information these companies hold about you, you can write to them to request access to your information.
Card limits are subject to Mastercard, Visa and bank regulation within their jurisdiction. In addition to the card limit schedule located on the KYC documents tab on the CardPortal interface, there are yearly limits. Users are enabled to use up to 450 point of sale transactions per year, 150 ATM withdrawals per year, and 450 card loads per year.
Transferring data out of the EU
If we transfer your information to a service provider or agent in another country outside the European Union, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to personal information held and processed in the UK and to use your information only for the purpose of providing the service to us.
Changes to this Policy