At Pich, our number one focus is customer trust. The security of your personal information is the single most important factor in our relationship with you. We have taken steps to ensure that customers’ personal data to be completely secure and private. We have designed a robust and sophisticated system in which to protect customer’s personal information. Pich maintains physical, electronic and procedural safeguards that comply with most stringent European Union data protection laws and standards [Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data] to guard your personal information held by Pich relative to services offered by Pich. When you enter personally identifiable information on our registration page, we encrypt that information using at least 128-bit secure socket layer technology (SSL). The Pich servers are physically protected at a secure, third party site and are monitored by security personnel twenty-four hours a day. Only authorized personnel can access the data center, and they must submit to multiple forms of identification before being granted access.
Pich uses to your securely stored login details for one purpose only; to retrieve transaction and account data associated with your banking provider on your behalf. We will never use your details to access your data without your permission. EVER
This is an important issue to consider and you should always consult with your bank if you are not sure about using a particular service. Different banks have different views on the use of bank account aggregation, so making an informed decision before opting-in is necessary before choosing Pich.
It should be mentioned that Pich is a safe and reliable way to access banking data and transactions. We are trusted by many financial services companies to provide them with a secure and comfortable way to access client data and our ability to deliver on that promise is why they trust to partner with us.
In order to use the Pich’s services, Pich requires you to create a Pich user identity and password. During registration you will be required to give personally identifiable information such as your name, email address, physical address.
It is important to note that your personal information will never be sold, shared, rented, or traded with any affiliate or unaffiliated third parties, except (i) to provide you with Pich’s services, (ii) pursuant to joint marketing arrangements described below, or (iii) as required or permitted by law. For example, in order to provide you with Pich’s services, Pich may disclose your username and passwords to third party web sites and mobile applications, such as web sites and mobile application operated by a credit card company or a bank, in order to obtain the information that you requested be aggregated and displayed through the Pich API. When you register for the Pich Services, you are deemed to authorize disclosures by Pich to provide the Pich Services. Pich may disclose registration information and information on your use of Pich (excluding information regarding transactions on your aggregated accounts) to companies that perform marketing services on our behalf, or to other financial institutions with whom Pich offers you products and services pursuant to joint marketing agreements. For example, Pich may share your personal information with a nonaffiliated third party to offer you a new service on the Pich web sites that is provided jointly by Pich and an unaffiliated company. Pich reserves the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on Pich. If Pich is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. Pich does present an opt-out option during registration for users who do not wish to share their information for joint marketing purposes as described in the prior paragraph. The user may change the opt-out choice at any time by selecting Edit Personal Profile. Pich reserves the right to share aggregated information with third parties in which case personal information about you will never be disclosed.
Pich will occasionally contact users by electronic mail to send information or inform them of new features, or to request participation in market surveys. Out of respect for your privacy, we present the option to not receive these types of communications through an opt-out option when signing up for the Pich’s services. This choice can be changed at any time by selecting Edit Personal Profile. However, in order to ensure the quality of the Pich’s services to you, Pich will send you strictly service-related announcements on rare occasions when it is necessary to do so. These include a “Welcome Notice” to confirm new membership, “notifications” of password changes or “account lockouts” and other “customer satisfaction” and “customer service” issues. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your accoun.
Pich includes a user profile update form for reviewing or updating personal information provided. If your personal information provided to Pich changes, or if you no longer desire our service, you may correct or delete it by logging into your Pich Dashboard Service and selecting the appropriate choice in Edit Personal Profile. If you are unable to change this information through the user profile form provided, you can use our Submit Service Request Feature to request the change. In the Edit Personal Profile section you may also review and update personal information needed for accessing other sites. We do not currently provide an interface for changing access information (such as passwords) for third party sites via the Pich service. In addition, you cannot update or change personal information that is retrieved by the Pich from third party web sites, mobile applications, and Internet services. To change this access information and other personal information from third party websites, you will need to follow the procedures set forth by the third party websites, internet services, and mobile application themselves.
You can contact Pich for any questions or suggestions you have at email@example.com For more information regarding privacy you can visit the following sites:
In connection with your use of the Pich API and services, Pich will collect and retain your personal information, both the information you provide directly and the information we obtain from Third Party sites, for as long as you are an active user of that Pich Service. Should you decide to cancel the services we provide, we will discontinue the collection of information from Third Party sites on your behalf. We reserve the right to retain the information collected up to the date of your cancellation of the Pich Data Services. This data will always be maintained under the same security and privacy controls that are in place for active Pich users.
If you use any of the Pich forums, you should be aware that any personal information you submit there can be read, collected, or used by other users of the forum and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums.
When you apply for a job on pichtechnologies.com you are asked for certain personal information such as your name, email address and phone number. We use this information to contact you regarding the job in which you have expressed interest. You are given the opportunity to submit a resume to the site to apply for a job, that resume is only viewable by authorized Pich employees in order to contact you regarding the job for which you have applied. We do not share any of the personal information that you provide within the application with any third party for their promotional purposes. EVER!
We welcome you to PICH TECHNOLOGIES and would like to provide you with all the information you must have before you start using our services. We have therefore drawn up these Terms of Service.
Pursuant to article 10 of Information Society Services and Electronic Commerce Act 34/2002, 11th July, the following are the Website owner’s identification details:
PICH PAYMENT SOLUTIONS, S.L. (“PICH TECHNOLOGIES”) is a company with registered office at Calle Quintana, number 4, 3A, Post Code 28008, Madrid, and email: firstname.lastname@example.org. PICH TECHNOLOGIES is duly entered in the Companies Register of Madrid, at Volume 30,818, Folio 20, Sheet number M-554636 and has Tax Identification Number B-86654175.
User access to or use of the Website necessarily and unreservedly implies knowledge and acceptance of these Terms of Service, which we therefore recommend that you read carefully.
PICH TECHNOLOGIES has developed a platform (the “API” or the “Platform”) at the Website which connects financial services entities (the “Financial Entities”), firms in general (the “Firms”) and firms that develop or have developed applications that access financial services (the “Internet Service Provider”).
The Financial Entities, the Firms and the Internet Service Providers will hereinafter be collectively referred to as “Users”. Users must duly register as set out in paragraph 3.
Users of PICH TECHNOLOGIES must in any event be legal entities.
The Financial Entities that are Platform members can be checked at the Website.
Notwithstanding the above, PICH TECHNOLOGIES will inform Users of any change to the list of member Financial Entities.
PICH TECHNOLOGIES will under no circumstances have access to the data because it uses advanced encryption systems which allow Firms and end users of the applications developed by the Internet Service Providers to be the only ones to view the financial data.
We are not financial intermediaries, and we do not offer advice; we only offer the tools that allow and make access to financial information easier. We therefore accept no liability in connection with the use, quality and accuracy of your data.
Before they start using the services offered by PICH TECHNOLOGIES, users must register through the Website and in order to do so they must follow the instructions given at the same and provide the required information (the “Registration Form”).
Once the Registration Form has been completed, you will receive an email at the address you have provided on the form, in order to activate your User account.
As a User, it will be your responsibility alone to pick a password that provides an adequate degree of security. In that regard, PICH TECHNOLOGIES would advise you not to pick passwords using obvious combinations that are easy to figure out by a third party. It will be your responsibility to keep your password safe and secret, and not to disclose it to any third party. If you suspect that your password has become known to any third party, you must immediately change it.
PICH TECHNOLOGIES provides its Users with a Platform through which it supplies services to Firms and services to Internet Service Providers as defined below (the “Services”):
If you are a Firm, you will be able to manage your financial activity information using this service, and integrate your financial transactions with the rest of your organisation. PICH TECHNOLOGIES provides you with a number of tools to help you manage all financial information relating to your firm’s movements and positions with its financial entities.
The Service for Firms allows direct, real-time access to all your firm’s financial transactions.
PICH TECHNOLOGIES will at no time have access to the Firm’s financial data since that data shall be encrypted. Only the User will have access to the financial data.
As a User you may add and categorise your different Partner Financial Entities’ financial data from your platform.
As an Internet Service Provider this service will allow you to integrate the technology provided by PICH TECHNOLOGIES when you develop your applications. Your end users will thus be able to access their financial data from your application or website.
PICH TECHNOLOGIES only offers an improvement on service functionalities offered by Internet Service Providers to third parties without howsoever becoming related to the Internet Service Providers’ end user.
In order to offer our Users a quality service, we provide you with the following tools to assist you in the process to integrate our services:
In any case, PICH TECHNOLOGIES will ensure that it assists each User individually in the integration process.
PICH TECHNOLOGIES does not guarantee the security of the applications developed by the Internet Service Providers. In that regard, PICH TECHNOLOGIES reserves the right to cancel the services if it suspects that those applications pose a security and privacy risk.
Our Service is designed so that end users can connect to the PICH TECHNOLOGIES Services through applications developed by the Internet Service Providers.
Accordingly, PICH TECHNOLOGIES shall not take on the risk of the activity carried out by developers and internet service providers and of the use made by end users of our Services. In any case, PICH TECHNOLOGIES shall not be liable for disputes, if any, arising with end users.
At PICH TECHNOLOGIES we are aware of how important and sensitive all financial and banking information we offer Users is. Our security policy is therefore based on three key elements:
Stateless Transactions: Many authentication methods are considered stateless, but many of these methods have a small “state” and at PICH TECHNOLOGIES we use the so- called “token storage”. Because of this authentication method, PICH TECHNOLOGIES neither stores nor has access to User information at any time, thereby preventing third parties from viewing any such data. PICH TECHNOLOGIES assigns an ID and an API security key to end users of the data so that they may encrypt and decrypt the data flowing within our API, which not even PICH TECHNOLOGIES can have access to.
Custom authentication: Each of the Partner Financial Entities use their own different methods to authenticate their users.
Data separation and processing: This means that the various Partner Financial Entities’ financial and banking data are independently dealt with and processed, for each Partner Financial Entity has its own security measures in place.
The financial terms for supplying the Services shall be set down in the Users’ specific terms, which shall be emailed to the Users Specify price before confirming acceptance.
At PICH TECHNOLOGIES we are aware of how sensitive Users’ banking or any other information is. Accordingly, all the information we obtain from Users will be deemed to be confidential information (the “Confidential Information”). Consequently, PICH TECHNOLOGIES will not disclose to third parties and will not use that information for purposes other than as required for the provision of the Services, without the Users’ prior consent, other than where the Confidential Information must be disclosed by Law or under a court or administrative order.
However, at PICH TECHNOLOGIES we would like to inform all our Users that all of the aforementioned financial and banking data or information is encrypted observing the security protocols referred to in paragraph 5.
You may terminate or suspend access to our Services, or part of them immediately at any time. If you wish to stop using our Services, you may do so sending a notice to the following email address: email@example.com
However, the User’s wish to terminate the Services shall not release the User from the performance of any contractual obligations resulting from provision of the Services..
The Users agree to use the Website in accordance with the law, moral principles, generally accepted practices and standards and public policy for the time being in force. As a User you agree that you shall not use the Website for illegal purposes or with an illegal intent, in breach of the provisions of these Terms of Service, harming the rights and interests of PICH TECHNOLOGIES or of third parties or in such a way as to harm or damage the image or reputation of PICH TECHNOLOGIES or prevent the normal use or enjoyment of the Services offered by PICH TECHNOLOGIES at the Website.
Similarly, if you come up with an idea aimed at improving the Website and establishing an optimum quality level, you may suggest all such changes as you shall see appropriate or useful, and you may ask for any additional information or have your queries, complaints or suggestions settled by getting in contact using the email address given in the section “Contact Us”, but this shall not however result in PICH TECHNOLOGIES taking on any obligation whatsoever.
Additionally to the above, the following shall be considered an inadequate use of PICH TECHNOLOGIES:
If there should be an inadequate use of the Website or of the Services supplied, PICH TECHNOLOGIES reserves the right to cancel and/or eliminate the account where a User makes an inadequate use of the account, immediately and without any prior notice. Additionally, PICH TECHNOLOGIES may bring any legal actions if the User should be guilty of negligence or wilful misconduct.
PICH TECHNOLOGIES guarantees the confidentiality of the personal data provided through this website in accordance with Organic Personal Data Protection Act 15/1999, 13th December (LOPD). The data supplied by the User shall be kept in a filing system, controlled by PICH TECHNOLOGIES, which shall be processed exclusively for the purpose described. That data shall be collected through the relevant forms, which shall only contain such fields as may be essential to be able to provide the service required by the User. Providing full or partial answers on the forms at this website is an entirely voluntary action and the failure to do so has no consequences.
Personal data shall be processed with a suitable degree of protection, pursuant to Royal Decree 1720/2007, 21st December, and all necessary security measures shall be adopted to prevent the data from alteration, loss, unauthorised processing or access by third parties who may use the data for purposes other than those with respect to which they were requested from the User. The User hereby consents to having the personal data transferred to companies belonging to PICH TECHNOLOGIES for the purposes referred to above.
You will in any event have the right of access, correction, erasure and objection to the processing of your data, which you may exercise in a request addressed to PICH TECHNOLOGIES, Calle Quintana, number 4, 3A, Post Code 28008, Madrid, noting “Data Protection” as the subject, or by email: firstname.lastname@example.org.
PICH TECHNOLOGIES may send commercial communications by any means provided that personal data protection laws then in force are fully observed.
For commercial communications sent by email and equivalent means in accordance with Information Society Services and Electronic Commerce Act 34/2002, 11th July, the User’s consent will be duly requested when the relevant data are collected. If you wish to object to having communications sent electronically, you may exercise your right to object when your data are collected using the box provided for that purpose on the actual form.
In addition, should you wish at any time to revoke that consent to receive advertising or promotional information by email, it shall be sufficient in that regard for you to notify PICH TECHNOLOGIES by sending a message to the following email address: email@example.com, clearly specifying that you do NOT WISH TO RECEIVE COMMERCIAL COMMUNICATIONS BY EMAIL.
All the information posted at the Website, including its graphic design and the source code, are protected by copyright and other rights provided for in Legislative Royal Decree 1/1996, 12th April, approving the Consolidation of the Copyright Act, and all other Copyright laws.
These rights belong exclusively to PICH TECHNOLOGIES or to its licensors and there shall therefore be absolutely no reproducing, distributing, altering or communicating to the public and no transmitting howsoever of all or part of the Website content, and in general no engaging in any act involving the exploitation of all or part of the contents (images, texts, design, tables, graphics, etc.) and the databases and software necessary to view or operate the same and any object eligible for copyright protection in accordance with the laws in force for the time being.
You may under no circumstances exploit or take commercial advantage, directly or indirectly, in whole or in part, of any of the Website contents without the prior written consent of PICH TECHNOLOGIES.
If you wish to use any Website content, you may submit a request for an authorisation to the email address firstname.lastname@example.org. The provisions of the preceding paragraphs shall in no case result in PICH TECHNOLOGIES accepting any liability for the content, or in Users or third parties becoming entitled to compensation.
In addition, you agree not to use the trade marks, trade names, shop signs, names, logos, slogans or any distinctive sign whatsoever shown at the Website and belonging to PICH TECHNOLOGIES, and in particular, the name “PICH TECHNOLOGIES” or “PICH”, without the prior written consent of PICH TECHNOLOGIES.
Links on the Website relating to advertising or any other type of contents that are the property or responsibility of third parties other than PICH TECHNOLOGIES are not the responsibility of PICH TECHNOLOGIES who in no case agrees to control or approve services, contents, data, files, products and any material whatsoever existing on any third-party website page or pages. Accordingly, PICH TECHNOLOGIES shall at no event be liable for the lawfulness of the contents of that/those page/s and the third party shall be exclusively liable for all matters concerning the content of that link, in particular insofar as the observance of the law, moral principles, generally accepted principles and standards and public policy are concerned. The existence of links is no presumption of any relationship whatsoever between PICH TECHNOLOGIES and the proprietor of the website page at which the same are to be found.
Users or third parties seeking to establish a link to the Website on pages they own and for which they are responsible shall request a prior authorisation at the following address: Calle Profesor Waksman, number 4, 4º D, Madrid or by sending an email to: email@example.com, ensuring in any event that that link will always direct Users to the homepage or main page at the Website, deep links or frame links being expressly excluded. Other than signs that are part of the link to the Website, Users will ensure that the website page from which the link is established shall contain no trade marks, trade names, shop signs, names, logos, slogans or any distinctive sign whatsoever belonging to PICH TECHNOLOGIES.
PICH TECHNOLOGIES will make no assessment of the appropriateness or quality of the information offered by Partner Financial Entities, for all the financial information is encrypted and PICH TECHNOLOGIES has no access to the same.
In addition, PICH TECHNOLOGIES shall decline all and any liability in relation to:
The User shall be liable for any damages and losses howsoever described resulting from illegal or fraudulent actions and for any and all damages or losses suffered by PICH TECHNOLOGIES or its Users directly or indirectly resulting from a breach by the User of these Terms of Service, and PICH TECHNOLOGIES reserves the right to take such actions as may be available to it with the relevant legal or police authorities.
Although we use our best endeavours, PICH TECHNOLOGIES cannot guarantee Users the continuous or uninterrupted access to and use of its Services.
PICH TECHNOLOGIES shall be entitled to unilaterally review and amend these Terms of Service at any time. The User shall be bound by the same when they are agreed to, other than where PICH TECHNOLOGIES must by law or a decision by governmental bodies make changes retrospectively.
The applicable laws require that part of the information or communications sent by PICH TECHNOLOGIES to the User shall be in writing. In accepting these Terms of Service, the User agrees that most communications with PICH TECHNOLOGIES shall be electronic. PICH TECHNOLOGIES will contact the User by email or posting notices at the Website. The User consents to the use of this electronic communication method and agrees that all electronic notices, information and other communications sent to the User by PICH TECHNOLOGIES observe the statutory requirements as to being in writing.
For any Service-related query or issue, the User shall contact PICH TECHNOLOGIES by sending an email to the following address: firstname.lastname@example.org.
Operation and use of the Website and these Terms of Service are governed by Spanish laws. To the extent permitted by law, PICH TECHNOLOGIES and the User expressly waive any other forum they might avail of and agree to submit to the jurisdiction of the Courts and Tribunals of Madrid (Spain).