1. Definitions:
“We”, “Us”, “Our” and “Apex” means Apex Management Services Ltd. “You”, “Your”, “Debtor”, “Creditor” “His” means the user of our Website and Mobile Application. “Information” refers to any detail we collect from you including but not limited to contact information, address, billing details, and government identification details.
2. Our Commitment To Privacy:
Apex Management Services Ltd. is committed to protecting and maintaining the privacy and security of your information. The handling of your information is in line with the Data Protection Act and other appropriate laws of The Bahamas. This document applies to the user of our website and mobile application and is subject to periodic review and amendments.
3. The Information We Collect:
3.1 Debtors Information Collected
Your email address and debtor account number are collected when creating an account. We collect your billing information (name on card, card number, card expiration and CVV) when you are making a payment with Apex (“Pay With Apex”) and/or when you are setting up a payment plan (“Setup Payment Plan’)
3.2 Creditor Information Collected
If you are an existing client, your email address and client account numbers are collected when activating your account. If you are a new client, we collect the Contact Person’s Name, Phone number, Fax number, Company’s email, Company Name, Address, Current Business License, Proof of Address, Certificate of Incorporation, VAT Certificate, National ID, Contract and Multiple Accounts Listing. When assigning an account, Apex collects your client’s name, account number, address, phone numbers, Employer information, payment information, financial documents (invoice, itemized statement), NSF checks, previous collection efforts log
4. How We Use Your Information
4.1 Debtor Information
Your email address is stored securely in our database for sign-in authentication and to validate against existing registered accounts in our database. Your billing information is used within our payment algorithm to verify your payments and mitigate credit card fraud activities and validate recurring deductions on a payment plan basis. You are making these payments to clear the debts you owe to the accreditor. The collected information may be used for identity confirmation and to investigate suspicious activities when reported.
4.2 Creditor Information
Your email address is stored securely in our database for sign-in authentication and to validate against existing registered accounts in our database. Contact Person’s Name, a Phone number, Fax number, Company’s email, Company’s Name, Address, Current Business License, Proof of Address, Certificate of Incorporation, VAT Certificate, National ID, Contract, and Multiple Accounts Listing are used for verifying your company and creating your record in our database. Your client’s name, account number, address, phone numbers, Employer information, payment information, financial documents (invoice, itemized statement), NSF checks, and previous collection efforts log are used to create debtor accounts in our database and in our account recovery pursuit.
5. Disclosure
When you disclose personal or private information to Apex, it may be used or disclosed by Apex in accordance with the normal course of our business. Personal information which you provide may be used by Apex (at our discretion) to answer questions, follow up on suggestions or complaints, process requests or transactions, or improve the level of service that Apex provides. Apex does not disclose personal information to third parties except to our clients or to authorized service providers (for example, but not limited to, vendors hired by Apex to perform a specific business function) – which may be affiliated or non-affiliated companies of Apex – who assist us in our normal business practices, unless otherwise required by law. In instances where we provide personal information to our clients or service providers as noted herein, the recipients of that information remain responsible for the privacy of such information with respect to the individuals concerned.
6. Payments
We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express, and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
7. Disclaimers
We aren’t responsible for the behavior of any third parties, agencies, or linked websites, including third-party applications, products, services, or Third-Party Integrations. Your use of any Third-Party Integration and rights with respect to such Third-Party Integration are solely between you and the applicable third party. We are not responsible for the privacy, security, or integrity of any Third-Party Integration or the practices and policies of any Third-Party Integration. We make no warranties of any kind and assume no liability of any kind for your use of any Third-Party Integration.
8. Indemnity
You agree to indemnify and hold us harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses in connection with any claims you make that, aren’t allowed under these Terms due to a “Limitation of Liability” or other provision. (Indemnity is an agreement to compensate someone for a loss.) You also agree to indemnify and hold us harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses, in connection with any claims arising out of or relating to (i) your Content, (ii) your use of the Service, (iii) your violation of any laws or regulations, (iv) third-party claims that you or someone using your password did something that, if true, would violate any terms of the Agreement, (v) any misrepresentations made by you, or (vi) a breach of any representations or warranties you’ve made to us.
9. No Warranties
Except as expressly stated in these Terms, the Service is provided as-is and we don’t provide warranties, conditions, or undertakings of any kind in relation to the Service, either express or implied. This includes, but isn’t limited to, warranties of merchantability and fitness for a particular purpose, data loss, merchantability, or non-infringement, or any warranties with respect to the accuracy, reliability, or availability of any content or information made available in or through the Service, which is, to the fullest extent permitted by law, excluded from the Agreement. Since Members use the Service for a variety of reasons, we can’t guarantee that it’ll meet your specific needs.
10. Limitation of Liability
For the avoidance of doubt, in no instance will Apex be liable for any losses or damages you suffer if you use the Service in violation of these Terms, regardless of whether we terminate or suspend your account due to such violation.
11. Ending Your Relationship With Apex
This Agreement will continue to apply until terminated by either you or Apex. If you want to terminate your legal agreement with Apex, you may do so by closing your account for the Service.
12. Information Accuracy
You agree that the information provided to Apex is verified and accurate and you will communicate to Apex in an event the supplied information becomes inaccurate or should change.
13. Information Retention
You agree that we will retain your Personal Information for as long as it serves the purpose(s) for which it was initially collected as stated in this Privacy Policy or subsequently authorized. We will also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If your customer relationship with Apex ends, we will not destroy your Information unless required or permitted by law. We will continue to treat your Personal Information in accordance with this Privacy Policy and applicable laws.
14. Withdrawal of Consent
You can refuse to consent to our collection of your information stated herein, however, without consent we are not able to proceed with transacting payments for your debts or setting up payment plans. Feel free to contact us if you are seeking clarification in any of the indexed sections herein. You are free to contact us anytime to stop using the information collected for your account sign-up and debt payment actions (regular payments and setting up of payment plans). You are free to request that your information be destroyed from our registration databases, we will review your instructions and act accordingly.
15. Amendments To This Agreement
You agree that these terms and conditions are subject to change in light of laws, regulations, best practice updates, and any qualified instructions deeming modifications or replacement to this current agreement. Any change to this Privacy Policy is immediately effective and applies to all users of our application. It is the obligation of all users to learn of changes to the Privacy Policy on every use of our application. Any updates, amendments, modifications, or replacements will also be communicated to you via email.
16. Contact
If you have any questions about this agreement, please contact us: by email at info@apexbahamas.com , by phone at (242)-328-8301, on our website at https://www.apexbahamas.com/contact/ or by mail at Apex Management Services Ltd. c/o Compliance Officer P.O. Box 6474, Nassau, Bahamas.
17. Conclusion
Your viewing of this document means that you agree with all terms of use, and we will proceed according to the sections herein.
