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Terms&conditions

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THE PAYMENT SERVICE PROVIDER
1. Zimpler AB (“Zimpler”) has company registration number 556887-9984 and its registered and visiting office at Döbelnsgatan 12, 113 58 Stockholm, Sweden.
2. Zimpler is a licensed payment service provider with authorization from the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) to provide (i) payment initiation services, (ii) account information services, (iii) execution of payment transactions and (iv) execution of payment transactions when the funds are covered by a credit facility.
3. he Swedish Financial Supervisory Authority’s visiting address is Brunnsgatan 3, 111 38 Stockholm, Sweden and you can find additional contact details on their website.
THE PAYMENT SERVICE
1. Zimpler’s payment services allows you to:
  - use account information services in order to retrieve your consolidated bank account information (name, address, personal identity number and account number) and share this information with a Merchant (“Select Account”);
  - give Zimpler payment orders to initiate payments from your bank account to the Merchant (“Payin”); and
  - receive payments from the Merchant to your bank account (“Payout”).
  Select Account, Payin and Payout are jointly referred to as the “Service” herein.
2. The Service is made available to you through a supplier providing you with a product or a service (the “Merchant”). The Service is not offered by or affiliated with your bank.
3. For the Select Account and Payin, you are the payment service user. For the Payout, the Merchant is the payment service user (i.e., the Merchant gives Zimpler the payment order) and you are the payee.
4. By using the Service, you agree to these Terms and Conditions (the “Terms and Conditions”) provided to you in English.
AGENTS
1. In providing the Service, Zimpler is entitled to utilize services provided by legal entities that are also agents in accordance with The Swedish Payments Act (Sw. Betaltjänstlagen), acting on behalf of Zimpler.
TRANSACTION FLOW AND DATA
1. You use the Service by choosing Zimpler in the Merchant’s online checkout (or similar), filling out the required details into the interface and clicking continue (or similar).
2. For Select Account, you identify yourself to your bank with your security credentials supplied by your bank (e.g., a code or password) to select your bank account and by doing so also request that Zimpler shall share the retrieved bank account information with the relevant Merchant.
3. For Payins, Zimpler provides you (the payer) with a payment service. You give Zimpler a payment order to initiate a payment transaction from your selected bank account by signing the payment order with your bank issued security credentials. The payment is then received by Zimpler on behalf of the Merchant to which you are making the payment and the transfer of funds to the Merchant is thereby completed.
4. You acknowledge that once the payment order has been signed by you, the payment order cannot be withdrawn or revoked and you hereby agree that you shall not attempt to withdraw or revoke the payment order through your bank.
5. For Payouts, you are the payee and receive the payment to your selected bank account. Zimpler acts as the payer's (the Merchant’s) payment service provider and your bank acts as the payee’s (your) payment service provider.
6. All data transferred through the Service is encrypted. Your personalized security credentials are only forwarded to the corresponding input-field of your selected bank and never stored by Zimpler.
CURRENCY CONVERSION
1. If a Payin is initiated from, or if a Payout is received on, a bank account holding another currency than the currency the Merchant trades in, Zimpler will, in the case of a Payin, convert the payment to the currency of the Merchant or, in the case of a Payout, from the currency of the Merchant to the currency held on your bank account. The currency conversion service is provided to you.
2. The exchange rate and foreign exchange fee applied by Zimpler is presented you in the Advance Information Regarding Currency Conversion enclosed at the last page of this document if the payment transaction is subject to currency conversion.
PERSONAL DATA
1. Personal data about you is processed by Zimpler in accordance with Zimpler’s Privacy Policy.
ELIGIBILITY TO USE THE SERVICE
1. To use the Service, you must be of such age as required by the Merchant and have the capacity to enter into legally binding agreements and the right to dispose of the assets available on your bank account.
2. You may not use the Service if the usage results in a breach of third-party agreements and you are personally responsible for all such breaches.
TRANSACTION TIME
1. Payins and Payouts are carried out via general clearing systems, meaning that it might take up to three (3) banking days before the payment is received on the payee’s bank account or payment account.
KNOW YOUR CUSTOMER
1. All payment transactions made through the Service are subject to monitoring for the purposes of Zimpler complying with applicable laws and regulations regarding anti-money laundering and counter-terrorism financing. The policies and practices applied may vary from time to time and depending on conditions pertaining to you such as transaction patterns and geographical position. To comply with applicable laws and regulations, records may be kept and additional information may be requested from you to establish matters such as identity, purpose of the payment transaction and origin of funds. By using the Service, you commit to provide Zimpler with all such information as may be deemed necessary.
SUSPENSION
1. Zimpler unilaterally reserves the right to suspend the Service:
  - to comply with applicable laws and regulations including anti-money laundering and counter-terrorism financing laws and regulations and keep records thereof; and/or
  - in case of fraud or other criminal or illicit activity, act or omission that might expose you or Zimpler to damage.
LIMITATION OF LIABILITY
1. Zimpler shall provide the Service in accordance with The Swedish Payments Act.
2. Unless required by mandatory law, Zimpler shall in no case be liable to you for any direct or indirect loss or damages incurred due to the use of the Service.
3. The purchase of goods and/or services from the Merchant is subject to the Merchant’s terms and conditions and Zimpler is not liable for the acts or omissions of the Merchant.
POTENTIAL FEES APPLIED BY THE BANK
OR THE MERCHANT
1. If you notice an error or malfunction of the Service, have a question or complaint concerning the Service, these shall be submitted to Zimpler via e-mail to support@zimpler.com. Zimpler shall answer your complaint by e-mail within fifteen (15) banking days in English or, by your choice, Swedish.
2. Zimpler does not charge you any fee for the provision of the Service unless the Payin or Payout requires currency conversion, cf. Clause 5. The Merchant may however charge you a fee for the Service which is regulated in the terms and conditions of the Merchant.
COMPLAINTSOR THE MERCHANT
1. If you notice an error or malfunction of the Service, have a question or complaint concerning the Service, these shall be submitted to Zimpler via e-mail to support@zimpler.com. Zimpler shall answer your complaint by e-mail within fifteen (15) banking days in English or, by your choice, Swedish.
FORCE MAJEURE
1. Zimpler shall in no case be liable for any economic loss, delay, or failure in performance of the Service to the extent such loss, delay or failure is caused by fire, flood, explosion, war, strike, embargo, governmental requirements, civil and military authority, data trespass, denial-of-service attack, unlawful action by you or any other cause beyond Zimpler’s reasonable control.
SEVERANCE
1. If any provision of these Terms and Conditions is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of these Terms and Conditions which shall remain in full force and effect. If any provision of these Terms and Conditions is so found to be invalid or unenforceable but would cease to be invalid or unenforceable if some parts of the provision were deleted or amended, the provision in question shall apply with such modification as may be necessary to make it valid and enforceable.
GOVERNING LAW AND DISPUTE RESOLUTION
1. These Terms and Conditions shall be governed by the laws of Sweden subject to any mandatory provisions under the laws of your country of residence. Disputes shall primarily be resolved by negotiations between you and Zimpler following a claim being filed by you in accordance with Clause 13. If you and Zimpler are not able to reach an amicable agreement regarding the claim, the dispute shall be resolved in accordance with the rules of civil procedure.

Data subject	Purpose	Categories of personal data	Legal basis	Collected from	Time of retention
End User	To initiate and process Pay-Ins and Pay-Outs	Name, social security number, bank account number, address, phone number, IP-address, email, date of birth	Performance of a contract	From you, your bank, the Merchant and a third-party provider	During the period we have an active relationship with you/you use our service
End User	To fulfil our bookkeeping requirements for Pay-Ins and Pay-Outs	Name, social security number, bank account number, transaction information	Legal requirement (Bokföringslag (1999:1078))	From you, your bank, the Merchant and a third-party provider	Seven years from the time of the transaction
End User	To improve your experience and enable faster transactions	IP-address, bank account number	Our legitimate interest to provide you with a faster and better service	From you, your bank and a third-party provider	During the period we have an active relationship with you/you use our service
End User	To provide customer support to you and to handle your request/ problem	Name, social security number, address, phone number, email as well as other information you provide to us	Performance of a contract	From you, your bank and third-party data provider	Up to ten years due to statutes of limitations (Preskriptionslag)
End User	To share know your customer data with Merchants in accordance with both parties’ obligations under applicable anti-money laundering rules and regulations	Transaction information (such as bank, amount, currency, country, website for transaction, reference), email, phone number, user ID	Performance of a contract as well as legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)	From you, your bank and a third-party provider	During the time of the transaction
End User	To fulfil our legal obligation under applicable anti-money laundering rules and regulations. This includes screening against sanction lists and may include profiling and automated decision-making	Name, social security number, bank account number, address, phone number, IP-address, screening against PEP/sanction lists, criminal records	Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)	From you, your bank, third-party data provider and open sources	Five years (in some seldom cases ten years) from the time of the transaction
End User	To manage incidents and prevent that our service is used for fraudulent or other illicit actions. This may include profiling and automated decision-making	Name, social security number, bank account number, address, phone number, IP-address, screening against PEP/sanction lists, criminal records	Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)	From you, your bank, third-party data provider and open sources	Five years (in some seldom cases ten years) from the time of the transaction

Data subject	Purpose	Categories of personal data	Legal basis	Collected from	Retention
Business Representatives	To contact potential Merchant’s representatives to set up meetings	Name, title, email address, phone number, title, company of employment	Our legitimate interest to inform of our product offerings to potential Merchants	From you and open source	During time period of communication and two years thereafter
Business Representatives	To keep in touch with our active Merchants	Name, title, email address, phone number, company of employment	Performance of contract as well as our legitimate interest to communicate with our Merchants	From you, from Merchant and open source	During the period we have an active business relationship and two years thereafter
Merchant’s beneficial owners, representatives, board of directors and other key personnel	To fulfil our legal obligation under applicable anti-money laundering rules and regulations. This may include profiling and automated decision-making	Name, social security number, passport number, addresses, phone number, ownership details, copy of ID, IP-address, criminal records, information from PEP/sanction lists	Legal requirement (lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism)	From legal entity and third-party data provider	Five years (in some seldom cases ten years) from when the business relationship terminates

Name	Domain	Provider	Purpose	How long the cookie is saved
cf_bm	Hubspot.com	Hubspot	Used to distinguish between humans and bots. This is beneficial for the website in order to make valid reports on the use of the website.	30 minutes
li_gc	linkedin.com	LinkedIn	Used to store consent of guests regarding the use of cookies for non-essential purposes.	1 year
AnalyticsSyncHistory	linkedin.com	LinkedIn	Used to store information about the time a sync with the lms_analytics cookie took place for users in the designated countries.	1 month
CookieScriptConsent	zimpler.com	Cookie-script	Used to remember visitor cookie consent preferences. It is necessary for Cookie-Script.com cookie banner to work properly.	1 month

Name	Domain	Provider	Purpose	How long the cookie is saved
lang	ads.linkedin.com	LinkedIn	Remembers the user's selected language version of a website.	During the session
_gat_clientTracker	careers.zimpler.com	Zimpler	Used to throttle request rate.	1 minute
hubspotutk	zimpler.com	Hubspot	Used for user authentication.	1 year

Name	Domain	Provider	Purpose	How long the cookie is saved
__hssc	zimpler.com	Zimpler	Identifies if the cookie data needs to be updated in the visitor's browser.	30 minutes
__hssrc	zimpler.com	Zimpler	Used to recognize the visitor's browser upon reentry on the website and for website analytics.	During the session
__hstc	zimpler.com	Zimpler	Sets a unique ID for the session which allows the website to obtain data on visitor behaviour for statistical purposes.	1 year
_gid	zimpler.com	Zimpler	Stores and update a unique value for each page visited and is used to count and track pageviews.	1 day
_ga	zimpler.com	Zimpler	Used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the website’s analytics reports.	2 years
_gat_UA-35253707-8	zimpler.com	Zimpler	The pattern element on the name contains the unique identity number of the account or website it relates to. It is a variation of the _gat cookie which is used to limit the amount of data recorded by Google on high traffic volume websites.	1 minute

Name	Domain	Provider	Purpose	How long the cookie is saved
_uetsid	zimpler.com	Zimpler	Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.	1 day
_uetvid	zimpler.com	Zimpler	Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.	1 year
IDE	doubleclick.net	Doubleclick	Carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website.	1 year
_glc_au	zimpler.com	Zimpler	Used for experimenting with advertisement efficiency across websites.	3 months
test_cookie	doubleclick.net	Doubleclick	Used to determine if the website visitor’s browser supports cookies.	15 minutes
bscookie	linkedin.com	LinkedIn	Used for tracking the use of embedded services.	2 years
_fbp	zimpler.com	Facebook	Used to deliver a series of advertisement products such as real time bidding from third party advertisers.	3 months
bcookie	linkedin.com	LinkedIn	Used for tracking the use of embedded services and for sharing the content of the website via social media.	2 years
lidc	linkedin.com	LinkedIn	Used for tracking the use of embedded services and ensuring the proper functioning of the website.	1 day
UserMatchHistory	linkedin.com	LinkedIn	Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.	1 month
ANONCHK	c.clarity.ms	Microsoft Clarity	Carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the website.	10 minutes
MUID	bing.com	Bing	Used widely by Microsoft as a unique user ID. The cookie enables user tracking by synchronizing the ID across many Microsoft domains.	1 year
SM	c.clarity.ms	Microsoft Clarity	Registers a unique ID that identifies the user's device during return visits across websites that use the same ad network. The ID is used to allow targeted ads.	During the session
MUID	clarity.ms	Microsoft Clarity	Used widely by Microsoft as a unique user identifier. It can be set by embedded Microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking.	1 year
SRM_B	c.bing.com	Bing	Tracks the user’s interaction with the website’s search-bar-function. This data can be used to present the user with relevant products or services.	1 year

Perks & Benefits

Zimpler's Privacy Policy

1. DEFINITIONS

2. ROLES AND RESPONSIBILITIES

3. YOUR RIGHTS

4. PROCESSING OF PERSONAL DATA WHEN YOU USE OUR PAYMENT SERVICES

5. PROCESSING OF PERSONAL DATA FOR POTENTIAL AND EXISTING BUSINESS RELATIONSHIP WITH ZIMPLER

6. PROCESSING OF PERSONAL DATA WHEN YOU VISIT OUR WEBSITE

7. HOW LONG WILL WE STORE YOUR DATA?

8. WHO WE SHARE YOUR DATA WITH

9. TRANSFER OF PERSONAL DATA

10. AUTOMATED DECISION-MAKING AND PROFILING

11. CONTACT INFORMATION

12. VERSIONS IN OTHER LANGUAGES THAN ENGLISH

13. CHANGES TO THIS PRIVACY POLICY

‍

THE PAYMENT SERVICE

AGENTS

TRANSACTION FLOW AND DATA

CURRENCY CONVERSION

PERSONAL DATA

ELIGIBILITY TO USE THE SERVICE

TRANSACTION TIME

KNOW YOUR CUSTOMER

SUSPENSION

LIMITATION OF LIABILITY

POTENTIAL FEES APPLIED BY THE BANKOR THE MERCHANT

COMPLAINTSOR THE MERCHANT

FORCE MAJEURE

SEVERANCE

GOVERNING LAW AND DISPUTE RESOLUTION

Zimpler's Cookies Policy

‍

WHAT ARE COOKIES?

DISABLE COOKIES

THE TYPE OF COOKIES WE USE

Strictly necessary cookies

Functional cookies

Performance/analytical cookies

Marketing cookies

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POTENTIAL FEES APPLIED BY THE BANK
OR THE MERCHANT