What is Kassam?
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What is Kassam?

Kassam - national payment service.

Once you create Kassam electronic wallet, you are able make any payments, transfers, pay for many services right from you computer, tablet or smartphone.

Kassam payment service is totally reliable.

Privacy policy

Kassam.az Payment System (hereinafter —  Kassam.az / The Payment System) appreciates for your interest in Kassam.az’s Products and Services. The protection of your personal information is very important to us and we are committed to the  protection of data that are collected and processed as you use our Services.

Our services consist of computer applications,  group of mobile applications, software for payment/money exchange  kiosks and web site that enable users to make payments for the services which are provided in our payment system by various  service providers (mobile operators,  telephone  and internet/IPTV service providers, public and government utilities, banks, insurance companies and etc.).

We also gladly provide the opportunity to become a part of our growing hierarchized  distributary  web via Kassam.az’s processing system. Such partnerships between Kassam.az and users( in this case “paypoint holders” or “dealers”) and also between Kassam.az and service providers are regulated by mutually accepted and signed contracts.

By accessing the Kassam.az’s Services a User consents without reservations to provisions of this Privacy Policy.

We shall protect the security of personal information received from  our users. This Privacy policy has been designed to specify details that may be requested from users and ways in which such details may be processed by Kassam.az or other parties. This Privacy Policy also specifies  purposes for which users’ personal information may be requested or disclosed. This Privacy Policy further specifies basic precautions that users must follows to keep their personal information confidential.

This Regulation shall apply exclusively to information received by Kassam.az as a result of use of the Kassam.az’s services by users.

1. User information received and used and purposes of such use

Kassam.az collects user information exclusively for purposes of technical management of its services and for other purposes referred to in this Privacy Policy.

In this Privacy Policy user information means personal information that a user passes to the payment system  on his or her own when creating an account, registering, etc. and while using a Service (full name, e-mail address, telephone number, account number etc.);

and data transmitted automatically during use of Kassam.az’s services including but not limited to IP address, details of the mobile device used for access purposes, device identifier etc.

The following information may be requested and received during use of Kassam.az’s services:

User information. When a user creates an account, registers on Kassam.az, uses any of the services provided on the Kassam.az payment system and when a user (dealer) is given credentials by Kassam.az to access Kassam.az’s payment software or processing system gui,  Kassam.az requests  the user’s information such as his or her full name, birth date, paypoint’s address and  e-mail address.

Mobile device information. Kassam.az collects details of users’ mobile devices such as the mobile device model, operating system version, device unique identifiers and the mobile telephone number. In addition, the device identifier and the mobile telephone number may be linked to the User’s  account.

Transaction information. When services are paid for, when money is transferred, etc., Kassam.az collects transaction location, time and amount details, payment method details, details of the account which receives the payment, seller and service provider details, details of the reason for the transaction (if any) and other information in relation to such transactions.

Kassam.az shall use and process user information in accordance with this Privacy Policy and laws of the Azerbaijan Republic.

2. Security measures used to keep information confidential

The Payment System shall take every possible measures to ensure that user information is secure and protected from unauthorized access, modification, disclosure or destruction and other improper use. In particular, Kassam.az shall on an ongoing basis improve ways in which data is collected, stored and processed, including physical security measures, to prevent unauthorized access to Kassam.az’s systems for property theft, phishing and/or other fraudulent purposes. The Payment System shall also limit access to user information by employees, contractors and agents by providing strict contractual confidentiality obligations with harsh sanctions and penalties for breaches. Secure use of the Payment System’s Services also depends on user compliance with recommendations available on Kassam.az’s website. A User must keep account details such as the login, the password and any certificate given by Kassam.az secret from third parties.

A user shall promptly inform  Kassam.az of any suspected unauthorized use of his or her account. User compliance with the Bank’s recommendations will help to ensure maximum protection of information passed to the Payment System.

3. Changes to this Privacy Policy. Applicable law

The Payment System shall be entitled to update and change provisions of this Privacy Policy at any time. Any new version of the Privacy Policy shall be effective from its placing unless otherwise provided in such new version of the Privacy Policy. The Payment System recommends that  users consult this Privacy Policy on a regular basis to keep up with the latest version.