1.1

Your privacy is important to us at RTW Payments Advisory & Consulting Services Pte Ltd, together with its subsidiaries and affiliates(hereinafter referred to as the 'Company,' 'Us,' and/or 'PEM’') policy to respect your privacy regarding any information we may collect from you across our website, App, etc. We own and operate, and other communications that PEM offers you through our communication channel and services we offer online (‘Services’).  This privacy policy document pertains to the types of information that is collected and recorded by Payments Expert Marketplace (“PEM”) and how we use it. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us at legal@travelandpayments.com. This privacy policy applies only to our online activities. It is applicable to visitors on our website/App in regard to the information that they share and/or is collected by us. References to ‘you, ‘your,' or 'user’ means the end-user who is utilising or accessing the Services.

1.2

We use your Personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2.1

Biography: A professional profile of an Expert, synthesised from provided credentials and experience, used to facilitate matches on the Platform.

2.2

Chatbot: The proprietary, AI-driven conversational interface through which Users submit queries and interact with the Platform’s matching logic.

2.3

Expert: An individual with verified professional experience in the payments industry who provides insights and interactions via the Platform.

2.4

Matching Tool: The algorithmic module that analyzes User queries to facilitate validated, high-relevance introductions between Users and Experts.

2.5

Payment Nuggets: Brief, informational insights on payment-related topics authored by Experts and shared on the Platform for community knowledge-sharing.

2.6

Platform: Collectively refers to the Company’s mobile applications, web-based portals, API interfaces, and associated backend infrastructure.

2.7

User: Any individual or entity that accesses the Platform and/or purchases Credits to obtain Expert knowledge or professional insights.

3.1

From Users 

3.2

From Experts

4.1

To Provide and Operate the Platform

4.2

To Improve and Personalise

4.3

For Safety, Compliance, and Fraud Prevention

4.4

For Communications

5.1

With Service Providers: With your prior explicit permission, we may share your personal information with Service Providers to monitor and analyse the use of our Service, or to contact you.

5.2

For business transfers: We may share or transfer your aggregated personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.

5.3

With Affiliates: We may share your information with Our Affiliates, in which case, we will require those Affiliates to honour this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners, or other companies that we control or that are under common control with Us.

5.4

With business partners: With your prior explicit permission, we may share your information with our business partners to offer you certain products, services, or promotions.

5.5

With your consent, We may disclose your personal information for any other purpose with your consent.

6.1

Active Account & Profile Data: Information required to maintain your account is retained for as long as necessary, as per the applicable law.

6.2

Expert Biographies & Content: Biographies are retained while an Expert account is active. Upon account closure, these are deleted promptly.

6.3

Disaster Recovery Backups: Encrypted backup copies of the Platform database are maintained as per applicable law to ensure service continuity. Data deleted from active production servers will be overwritten in the backup cycle within this timeframe.

7.1

Transfer Mechanisms: Where cross-border data transfers are subject to restricted transfer laws, we ensure a similar degree of protection is afforded to it by implementing at least one of the following safeguards:

7.2

Explicit Consent: We will obtain your explicit consent before initiating the cross-border transfer of your personal data.

8.1

Encryption: Data is encrypted at rest and in transit.

8.2

Access controls: role-based access, multi-factor authentication for internal systems;

8.3

Vulnerability management: patch cycles aligned with industry standards;

8.4

Incident response: a documented breach response plan with regulatory notification procedures;

8.5

Employee training: mandatory privacy and security training for all staff with data access.

9.1

You have the right to delete or request that we assist in deleting the Personal Data we have collected about you.

9.2

Our Service may give You the ability to delete certain information about You from within the Service.

9.3

You may update, amend, or delete your information at any time by signing in to Your Account if you have one. You may also contact us to request access to, correct, or delete any personal information that you have provided to Us.

9.4

Please note, however, that we may need to retain certain information when we have a legal obligation or lawful basis to do so. 

10.1

Business Transactions: If the Company is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

10.2

Law enforcement: Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

10.3

Other legal requirements: The Company may disclose Your Personal Data in good faith, believing that such action is necessary to

10.4

Comply with a legal obligation

10.5

Protect and defend the rights or property of the Company

10.6

Prevent or investigate possible wrongdoing in connection with the Service

10.7

Protect the personal safety of Users of the Service or the public

10.8

Protect against legal liability 

11.1

Age Restriction: We do not collect, solicit, or maintain personal information from individuals under the age of 18. If you are under 18, please do not attempt to register for the Platform or send any personal information about yourself to us.

11.2

Parental Action: If we learn that we have inadvertently collected personal information from a child under the relevant age threshold without verifiable parental consent, we will take immediate steps to deactivate the account and permanently delete such information from our records.

11.3

Reporting: If you have reason to believe that a child under the age of 18 has provided personal information to us, please contact us at legal@travelandpayments.com.

12.1

Scope of Integration: This includes, but is not limited to, professional networking platforms (e.g., LinkedIn) for profile verification, and secure third-party payment processors for "Credit" transactions.

12.2

No Endorsement or Control: These third-party services operate independently of the Platform. We do not exercise control over, and assume no responsibility for, the content, privacy policies, or data processing practices of any third-party websites or services.

12.3

User Responsibility: We strongly encourage you to review the privacy statements of any third-party service you access through the Platform. Any data you provide to a third party is governed by that party’s specific privacy policy, not this one.

14.1

Email Id - legal@travelsandpayments.com

14.2

When you have a complaint, we prefer to solve it directly with you. We will endeavour to respond to you within 30 days of receiving your complaint and, where appropriate, will advise you of the general reasons for the outcome of the complaint.

14.3

In some circumstances, the Grievance Officer may decline to investigate the complaint, for example if the complaint relates to an act or practice that is not an interference of the privacy of the person making the complaint. In addition, you always have the right to contact the competent authority that supervises the protection of personal data with your complaint.