Our commitment to data protection, transparency, and regulatory compliance. Your trust is our highest priority.
Mossen Payments Ltd ("Mossen", "we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable laws and regulations.
We collect information necessary to provide our payment services, comply with regulatory obligations, and improve our offerings. This includes:
We use your personal information for the following purposes:
We process your personal data on the following legal bases:
We may share your information with:
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, regular security audits, and staff training. Our payment infrastructure is PCI DSS Level 1 certified and we maintain ISO 27001 certification for information security management.
We retain your personal data for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods are determined based on legal requirements and business needs, typically ranging from 6 to 10 years following account closure for regulatory compliance purposes.
You have certain rights regarding your personal data under UK GDPR:
Your personal data may be transferred to and processed in countries outside the United Kingdom. We ensure appropriate safeguards are in place for such transfers, including Standard Contractual Clauses approved by the Information Commissioner's Office (ICO), or reliance on adequacy decisions where applicable.
If you have questions about this Privacy Policy or our data practices, or wish to exercise your rights, please contact our Data Protection Officer at [email protected] or write to us at: Data Protection Officer, Mossen Payments Ltd, 71-75 Shelton Street, Covent Garden, London WC2H 9JQ.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you are dissatisfied with our response.
These Terms of Service ("Terms") govern your access to and use of the payment services provided by Mossen Payments Ltd ("Mossen", "we", "us", or "our"), a company registered in England and Wales with company number 00001904 and having its registered office at 71-75 Shelton Street, Covent Garden, London WC2H 9JQ. Mossen Payments Ltd is authorised and regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution under reference number 123456.
By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services. These Terms constitute a legally binding agreement between you and Mossen Payments Ltd.
Mossen provides payment orchestration and processing services, including but not limited to:
To use our services, you must:
Fees for our services are set out in your service agreement, pricing schedule, or as published on our website. You agree to pay all applicable fees in accordance with the agreed payment terms. We reserve the right to modify our fees upon reasonable notice. All fees are exclusive of VAT and other applicable taxes, which shall be borne by you.
You agree to:
All intellectual property rights in our services, platform, technology, and documentation are and shall remain the exclusive property of Mossen Payments Ltd and our licensors. You are granted a limited, non-exclusive, non-transferable right to access and use our services solely for your internal business purposes.
Both parties agree to maintain the confidentiality of all non-public information disclosed in connection with these Terms. This obligation shall survive termination of the agreement for a period of 5 years. Exceptions apply to information that is or becomes publicly available, is independently developed, or is required to be disclosed by law or regulatory authority.
To the fullest extent permitted by law, Mossen shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, or business opportunity, arising out of or in connection with these Terms or your use of our services.
Our total aggregate liability under these Terms shall not exceed the total fees paid by you to Mossen in the 12 months preceding the event giving rise to the claim. Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.
You agree to indemnify, defend, and hold harmless Mossen, our directors, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses arising from your breach of these Terms, your use of our services, your violation of any laws or regulations, or any claim that your activities infringe the rights of any third party.
These Terms shall remain in effect for the duration of your use of our services. Either party may terminate this agreement upon written notice, subject to any notice periods specified in your service agreement. Upon termination, you shall settle all outstanding fees and cease use of our services. Certain provisions including confidentiality, intellectual property, limitation of liability, and governing law shall survive termination.
These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. This clause is without prejudice to our right to bring proceedings in any other competent jurisdiction where required by applicable law or regulation.
We reserve the right to modify these Terms at any time. We will provide reasonable notice of material changes, typically not less than 30 days. Your continued use of our services following the effective date of modified Terms constitutes your acceptance of the changes.
This Cookie Policy explains how Mossen Payments Ltd ("Mossen", "we", "us", or "our") uses cookies and similar technologies on our website and online services. This Policy should be read alongside our Privacy Policy and Terms of Service.
Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website. They are widely used to make websites work more efficiently, provide a better user experience, and gather information about website usage. Cookies can be "persistent" (remaining on your device for a set period) or "session" (deleted when you close your browser).
We use the following categories of cookies:
These cookies are essential for the operation of our website and services. They enable core functionality such as security, network management, account access, and transaction processing. You cannot opt out of these cookies if you wish to use our services. Examples include:
These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This helps us improve our website and services. Examples include:
These cookies enable enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly. Examples include:
These cookies are used to deliver relevant advertising and marketing communications to you. They may be set by our advertising partners through our site. These cookies do not directly store personal information but are based on uniquely identifying your browser and internet device. Examples include:
Some cookies are placed by third parties on our behalf. These third parties may include analytics providers, advertising networks, and social media platforms. We do not have direct control over the information collected by these third-party cookies. We encourage you to review the respective privacy policies of these third parties for more information about their practices.
You can control and manage cookies in various ways. Most web browsers allow you to:
Please note that if you choose to disable or reject cookies, some parts of our website may not function properly and some services may not be available to you. Essential cookies cannot be turned off if you wish to use our core services.
When you first visit our website from the UK or EEA, you will be presented with a cookie banner allowing you to accept or reject non-essential cookies. You can change your preferences at any time through our cookie preference centre or by adjusting your browser settings.
We may update this Cookie Policy from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. We will notify you of material changes by posting the updated policy on our website with a new effective date.
If you have questions about our use of cookies or this Cookie Policy, please contact us at [email protected] or write to us at: Data Protection Officer, Mossen Payments Ltd, 71-75 Shelton Street, Covent Garden, London WC2H 9JQ.
Our compliance team is here to help. Contact us for more information about our privacy practices, terms of service, or regulatory compliance.
Need to speak with our team directly? Reach us through any of the channels below.