This Payment Security Policy applies to payments made through www.hatorganica.com, operated by Durmaz Handels GmbH, Germany.
We provide clear information about payment processing, accepted payment methods, payment-related information and the handling of personal data associated with transactions.
The business information used on www.hatorganica.com and the information associated with our payment account are maintained consistently with the company information stated above.
The billing descriptor associated with transactions is:
Stripe acts as the payment service provider for transactions submitted through our checkout. Stripe is not presented as a commercial partner or co-owner of hatorganica.
Payment processing is carried out through the applicable payment infrastructure and procedures provided by Stripe. Depending on the payment method and transaction circumstances, additional payment authentication may be requested by the relevant card issuer or payment service provider.
Stripe maintains payment-related controls and conducts ongoing risk assessment and monitoring activities in connection with its payment services, including the review of transaction activity for unusual or potentially unauthorised activity.
3. Available Payment Methods
Customers may select from the payment methods displayed during checkout.
Depending on availability for the relevant transaction, accepted payment methods include:
Visa
Mastercard
American Express
Apple Pay
Google Pay
Other electronic wallet payment methods displayed at checkout
The payment method available to a particular customer may depend on the customer’s location, device, browser, payment account and other transaction-related factors.
4. Payment Without a Stripe Account
Customers do not need to create or sign in to a Stripe account in order to complete a payment on www.hatorganica.com.
Customers may enter or select the payment information requested during checkout and complete the transaction using an available payment method.
Where additional authentication is required by the card issuer or payment method provider, the customer may be asked to complete that authentication as part of the payment process.
5. Payment Information
Payment information submitted during checkout is processed for the purpose of completing the requested transaction.
Depending on the selected payment method, payment-related information may include transaction details, payment method information, billing information and other information required to process or verify the transaction.
We do not request payment information beyond what is reasonably required for the relevant transaction and applicable legal or regulatory requirements.
Stripe’s current privacy documentation explains that Stripe may process payment method details and transaction-related information and may act as a data processor and/or data controller depending on the processing activity.
6. Payment Transaction Monitoring
Payment transactions may be subject to automated or manual checks carried out as part of payment processing.
These checks may include assessment of transaction information and unusual transaction activity.
Where a transaction requires additional verification, the customer may be asked to complete an authentication step provided by the relevant payment service or card issuer.
For payments in the European Economic Area, additional authentication may apply where required under applicable payment services rules, including Strong Customer Authentication requirements.
7. Data Protection and Payment-Related Information
Durmaz Handels GmbH processes customer information in accordance with applicable German and European data protection requirements.
Information associated with a payment may be processed where necessary to:
Process and administer a transaction;
Confirm payment status;
Maintain transaction records;
Respond to payment-related enquiries;
Meet applicable legal and accounting obligations; and
Address transaction-related irregularities where appropriate.
The applicable legal basis for processing depends on the nature and purpose of the processing and may include contractual necessity, compliance with legal obligations or other lawful grounds under applicable data protection law.
Further information concerning the processing of personal data is provided in our Privacy Policy.
8. Cookie Consent
www.hatorganica.com uses a Cookie consent banner to provide customers with information and choices concerning Cookie usage.
Non-essential Cookies are used only after the customer has selected “Accept” on our Cookie banner where consent is required.
Essential Cookies may be used where necessary for the operation of the website and the requested services, subject to applicable law.
Cookie choices are handled separately from payment processing and are managed in accordance with applicable German and European data protection requirements.
9. Payment Data and Privacy
Payment-related personal data is handled in accordance with applicable data protection requirements, including the General Data Protection Regulation (GDPR) where applicable.
Where personal data is processed by payment service providers in connection with a transaction, the respective processing activities are governed by the applicable arrangements and privacy information of the relevant provider.
Stripe publishes information concerning its role in payment-related personal data processing, European data protection arrangements and applicable data transfer mechanisms.
10. Transaction Records
Transaction-related information may be retained for as long as reasonably necessary for the relevant transaction, customer service, accounting, legal and regulatory purposes.
Where German statutory retention requirements apply, relevant business and accounting records will be retained for the period required by law.
Personal data that is no longer required and is not subject to a statutory retention obligation will be handled in accordance with applicable data protection requirements.
11. Payment Enquiries
If a customer has a question concerning a payment made through www.hatorganica.com, the customer may contact us using the details below:
For payment-related enquiries, customers should provide sufficient transaction information to allow us to identify the relevant order.
We aim to respond to customer enquiries within 24 hours.
12. Applicable Legal Requirements
This Payment Security Policy is intended to operate in accordance with applicable German and European legal requirements relating to payment processing and personal data protection.
Nothing in this Policy limits any mandatory statutory rights applicable to consumers under German or European law.
13. Policy Updates
We may update this Payment Security Policy where necessary to reflect changes to our payment arrangements, website operations or applicable legal requirements.
The latest version published on www.hatorganica.com applies from its stated effective date.
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