1. Overview
Azure Payments Ltd ("Azure", "we", "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy ("Policy") explains how we collect, use, store, disclose, and protect your personal data when you use our services, website (www.azurepay.io), or platform (ib.azurepay.io).
This Policy applies to:
- Visitors to our websites and platform.
- Clients using our payment or e-money services.
- Individuals whose data we process in the course of providing regulated financial services.
By using our services or visiting our websites, you consent to the practices described in this Policy.
2. Who We Are
Azure Payments Ltd is a company registered in England and Wales (Company No. 12108869), authorised and regulated by the Financial Conduct Authority (FCA) as a Small Electronic Money Institution (FRN: 901055).
Registered Address: 192–196 Campden Hill Road, London, England, W8 7TH
Phone: +44 (0)20 4579 2618
Email: compliance@azurepay.io
3. Data Protection Contact
For all privacy-related matters, please contact our Data Protection Contact (DPC) at: privacy@azurepay.io
This contact point ensures compliance with Article 37 of the UK GDPR.
4. Information We Collect
We collect personal data in the following ways:
a) Information You Provide
When applying for our services, filling out forms, or contacting us:
- Name, date of birth, and contact details
- Address and nationality
- Passport/ID details (including photo)
- Email address and phone number
- Business details, including shareholders, UBOs, and representatives
- Financial and payment data (e.g. bank account or card information)
You confirm that all personal data shared is accurate and lawfully provided.
b) Information We Collect Automatically
When you visit our website or platform, we may collect:
- IP address and device identifiers
- Browser type and settings
- Time zone, operating system, and platform
- Pages visited and actions performed
- Login and session information
5. Cookies
Our website currently does not use cookies. If this changes, we will update this Policy accordingly and provide you with the option to manage cookie preferences.
a) How We Use Personal Data
We use your data for the following lawful purposes:
| Purpose | Legal Basis |
|---|---|
| Evaluating your application | Contract performance / legal obligation |
| Providing and maintaining services | Contract performance |
| Fraud prevention and AML checks | Legal obligation |
| Verifying identity and compliance screening | Legal obligation |
| Responding to inquiries and customer support | Legitimate interest |
| Informing you of product changes and updates | Legitimate interest |
| Marketing similar services (opt-out anytime) | Legitimate interest |
| Security and operational improvement | Legitimate interest |
6. Disclosure of Personal Data
We may share data with:
- Members of our corporate group
- Banking and payment infrastructure partners
- Card issuers, acquirers, and processors
- Regulatory and law enforcement authorities
- Service providers (e.g., cloud hosting, compliance tools)
We will only share personal data when necessary and in accordance with UK GDPR.
7. International Data Transfers
Your data may be processed outside the UK, including in the EEA or the United States. Where transfers occur, Azure ensures appropriate safeguards are in place, such as:
- Adequacy decisions (for EEA transfers);
- Standard Contractual Clauses (SCCs) approved by the UK ICO.
Azure maintains a Third Country Transfer Register, available upon request.
8. Data Retention
We retain personal data:
- For as long as you use our services;
- After account closure, for as long as required to comply with FCA, HMRC, and AML regulations (typically 5–10 years).
Data is securely deleted or anonymised once retention periods expire.
9. Security of Personal Data
We apply technical and organisational measures, including:
- Firewalls, encryption, and secure hosting
- Role-based access controls
- Regular vulnerability assessments
- Data minimisation and pseudonymisation where appropriate
While we take all reasonable steps to secure your information, transmission via the internet carries inherent risk.
10. Your Data Protection Rights
You have the right to:
- Access your personal data;
- Request correction or deletion;
- Object to processing or withdraw consent;
- Request data portability;
- Restrict processing in certain circumstances;
- File a complaint with the Information Commissioner's Office (ICO).
ICO Contact: www.ico.org.uk/concerns
11. Complaints
If you are not satisfied with our response to a privacy request or complaint, you can escalate to the Information Commissioner's Office (ICO) at: https://ico.org.uk/concerns
12. Data Protection Impact Assessments (DPIAs)
Azure maintains Data Protection Impact Assessments for key processes, including onboarding, payments, and fraud prevention. This ensures compliance with Articles 35–36 UK GDPR and FCA Operational Resilience expectations.
13. Accessibility and Transparency
This Policy:
- Is structured using accessible headings and clear language;
- Is available in a downloadable, plain-text PDF format;
- Uses semantic tags and anchor links for online navigation.
14. Legal Definitions
For clarity:
- "Personal Data" means information relating to an identified or identifiable person.
- "Processing" means any operation performed on personal data (collection, use, storage, etc.).
- "Controller" means the entity that determines the purposes and means of processing personal data.
15. Updates to This Policy
We may update this Policy periodically. Any changes will be posted on this page with an updated version number and date.
Version 1.4
16. Contact Us
Azure Payments Ltd
192–196 Campden Hill Road, London, England, W8 7TH
+44 (0)20 4579 2618
compliance@azurepay.io