LEGAL NOTICE

Name: iSkyce - current

Legal status and capital social: one-man structure created on 06/06/2017 and therefore is not subject to VAT. (Art.293B (France) CG1; all our invoices will be established in TTC.

Any change of status will be possible in 2019 and if that is the case you will be informed by e-mail

Responsible name: Klein

Responsible name: Michel

Headquarters:
6 Rue Schelmenwasen F-67590 Schweighouse Sur Moder (France-Alsace)

Phone: 07 81 28 90 88

E-mail: shop@iskyce.com

Web site: https://www.iskyce.com

Siret: 392736104

Publication Manager: Michel Klein

Web host: OVH - 2 Street Kellermann - 59100 Roubaix - France.



Clause of non-competition
Copyright - intellectual property:
All elements of this site, such as text, graphics, logos, graphics button, images and photos, sound clips, the software, the database, the ergonomics of the site are the property of d iSkyce. These items are protected the international laws of intellectual property protection. The code, layout, Assembly of all or part of an item of this site is the exclusive property of iSkyce. 

Any use including partial same reproduction, modification, distribution, transmission, display content or any parts of this site is strictly prohibited without the written consent of d iSkyce. 

If you want to use photos, texts of this site, you must contact us by email at Shop@iSkyce.com


Any offender to this protection will be prosecuted. 
Any dispute that may arise on this site will be the exclusive competence of the Court of Strasbourg 

According to the data protection act you have a right of access, of rectification or opposition to the information about you from iSkyce - 6 Schelmenwasen Street - 67590 Italy on Moder, France - Tel: 07 81 28 90 88 

PROTECTION OF PERSONAL DATA

Web Site collects personal data to its users in the following frames. The data collected are only those provided by the user when using these services.

  1. Contact forms. These data are not stored in a database and are used as part of an exchange of e-mails. If the contact results in a collaboration with iSkyce, these data are kept for purposes of customer management.
  2. Cookies (see following).

In accordance with the law of 8 December 1992 on protection of life private with respect to the processing of data personal and, from May 25, 2018, in the regulation European 2016/679 of the European Parliament and of the Council of April 27, 2016, relative to the protection tion of natural persons with respect to the processing of data personal data and the free movement of such data, and repealing the Directive 95/46/EC (General regulations on the Protection of data), users whose data have been collected have the right to consult these data, their correction or, if necessary, remove them. Users can also oppose the processing of their data.

COOKIES

A "cookie" is a small file stored on your computer's hard drive when visiting a site or the consultation of an advertisement. These cookies are used to improve your user experience by offering you services or offers corresponding to your interests. You can at any time opt out of their use by configuring your Internet browser.

The nature and purpose of the cookies used by the website are detailed below. Some cookies are necessary for certain technical functions of the Web Site and will be saved only for a limited period.

THE TYPES OF COOKIES USED

  • The audience measurement
    Analytics tools are deployed in order to obtain information on the navigation of visitors. Their goal is to allow the analysis of the behavior of the site navigation optimization purposes.
  • Social buttons
    Our site may contain applications from third party. This may be particularly the case with buttons/links to social networks (this is including the case of the buttons "Share", "Likes", social networks such as Facebook, Twitter...). We therefore invite you to consult their management of cookies, including the privacy policy.
  • Advertising
    It is the cookies used on our site or outside of our site to show ads or send you information tailored to your interests. Advertising cookies are especially used to limit the number of times you see an ad and help us measure the effectiveness of an advertising campaign.

THE MANAGEMENT OF COOKIES

To accept or reject the installation of cookies, you can set your Internet browser. The configuration of each browser is different, it is described in the Help menu of your browser, which will allow you to learn how to change your wishes in terms of cookies.

You can disable them in the following way:

INTERNET EXPLORER

  1. Choose the menu 'Tools', then 'Internet Options'
  2. Click on the "Privacy" tab
  3. Select the level you want the slider

MOZILLA FIREFOX

  1. Choose the menu 'Tools' then 'Options '.
  2. Click on the tab "Privacy".
  3. In the 'Rules of conservation' drop-down list select the desired level

GOOGLE CHROME

  1. Enter the address chrome://settings/ in the address bar of the browser
  2. Click "Advanced settings" then "content settings", then "cookies".
  3. Configure your browser as you like

SAFARI

  1. Click on the "Safari" menu
  2. Click on "Preferences".
  3. In the 'Security' tab select the desired level

PRIVACY POLICY
In the sense of the general regulation on the protection of data and of other national laws on the protection of the data of the Member States as well as other rules concerning the protection of data, the responsibility falls to the:

iSkyce
6 Rue Schelmenwasen 
F-67590 Schweighouse Sur Moder (France-Alsace)
Phone: 07 81 28 90 88
E-mail: shop@iskyce.com 
Web site: https://www.iskyce.com


NAME AND CONTACT DETAILS OF THE COMMISSIONER'S DATA PROTECTION 
If you have any questions about data protection, write us an e-mail, or else directly to our Commissioner data:
Here are the details of the data protection Commissioner:

iSkyce
6 Rue Schelmenwasen 
F-67590 Schweighouse Sur Moder (France-Alsace)
Phone: 07 81 28 90 88
E-mail: shop@iskyce.com 
Web site: https://www.iskyce.com

Any person concerned may at any time apply directly to our Commissioner for the protection of the data for any question or any suggestion on the protection of the data.

Data collection and general information
When you access our website, General information is automatically collected. These data and general information are saved in the server logs. Can be collected (1) browser types and versions used, (2) the operating system used by the access system, (3) the Web page from which a system of access reached our webpage (so-called a reference), (4) subwebs accessed on our Web page by using an access system, (5) the date and time of access to the Web page, (6) an address of Internet Protocol (IP address), (7) the system to access Internet access provider and (8) other data and information of this type that are used to prevent risks in case of attacks on our computer systems.
This is only information that does not identify you. These information are technically indispensable in order to properly provide the content of the Web pages that you want to access, and they are required for the use of the Internet. We statistically evaluate anonymous information of this kind in order to optimize our website and the technology on which it is based.

Cookies
Like many other Web pages, we use "cookies" We also. It is of small text files that are transferred to your hard drive by a website server. This allows us to automatically obtain certain data such as IP address, browser used, system access via your computer and your Internet connection. Cookies cannot be used to run programs or to transfer viruses on a computer. The information contained in the cookies allow us to make the navigation easier and to correctly display our Web pages.
In any case we will not pass to third parties the data we have collected and we will establish not without your agreement in relation to personal data. It is possible, of course, visit our Web site without cookies. Systematically, Internet browsers are configured to accept cookies. At any time it is possible to disable the use of cookies in your browser settings. Use the functions of your Internet browser's help to learn how to change these settings. Note, however, that certain functions on our Web site may not work if you have disabled the use of cookies.

SSL encryption
To ensure the security of your information during transmission, we use methods of encryption for the current state of technology (e.g. SSL) over HTTPS.

Newsletter
On the Web page, it is proposed to users to subscribe to our company newsletter. Only your email address is mandatory information for sending this newsletter. Of other data, in part, is optional. These data will be used in order to speak to you in a personalized way. In the newsletter, we regularly inform our clients and business partners of our company offers. Our company newsletter can be received by the person concerned only if (1) she has a valid email address and (2) she is registered to receive the newsletter. For legal reasons, a confirmation e-mail is sent in a procedure of double confirmation to the e-mail address of the person who just signed up to receive the newsletter. This confirmation e-mail is used to check if the owner of the email address, as the person concerned has actually authorized the receipt of the newsletter.
When registering for the newsletter, we save more the IP address provided by the access provider to the Internet (ISP) of the computer system used by the person concerned at the time of registration so that the date and time of registration . The collection of these data is necessary in order to follow at a later date any (possible) misuse of a person's email address, and it will be used as legal protection of the person responsible for the treatment.
The personal data collected as part of a subscription to the newsletter are exclusively used to send our newsletter. In addition, subscribers to the newsletter could be kept informed by e-mail, insofar as this is necessary for the management of the newsletter service or if a registration should be necessary about it as possibly in the event of changes in the newsletter or changes of the technical conditions offer. The personal data collected as part of the service of the newsletter will not be passed to third parties. The person concerned may at any time terminate the subscription to our newsletter. It is possible at any time to revoke the agreement of storage of the personal data that the person concerned has given us for sending the newsletter. There is a corresponding link in each newsletter to revoke this agreement. In addition, it is also at any time possible to unsubscribe from the sending of the newsletter, either directly on the webpage of the person responsible for the treatment, either by communicating it in a different way to the person responsible for the treatment.

Contact form
Due to legal regulations, we offer a fast electronic outreach with our company, either by e-mail or by contact form on our Web page. Insofar as a person makes contact with the person responsible for the treatment, be it through an e-mail or contact form, personal data transferred by the person concerned are automatically saved. Of such personal data transmitted voluntarily to the person responsible for the treatment by the person concerned will be stored for purposes of treatment or contact with the person concerned. None of these personal data will be transmitted to third parties.

Deletion or blocking of data
We are the principles of prevention and minimization of data. Thus, we save your data staff than the time it takes to achieve the purposes of backup described here. Once the goal has been reached or after these deadlines passed, the data concerned will be blocked or deleted systematically and according to legal requirements.

Your rights regarding information, correction, blocking, deletion and opposition
Enjoy in our respect of the following rights compared to the personal data concerning you: 
-Right to information,
-right to rectification or deletion,
-right to the restriction of the processing,
-right of opposition to the treatment,
-right of transferability of data. 
If you have given your consent for the processing of your data, it is possible to revoke them at any time. Such a revocation has an effect on the legitimacy of the processing of your personal data once you have communicated it to us. 
Insofar as we base the treatment of your personal data on the balance of interests, it is possible to oppose this treatment. This is the case when the treatment is notably not necessary to the performance of a contract with you, that we build every time in the following description of the functions. In the case of such opposition, we will ask you to explain the reasons for which we should not treat your personal data as we do. In the event of an opposition motivated on your part, we will look at the State of things and either we will stop the processing of the data, either we will adapt to it, or we will tell you the reasons compelling and legitimate for which we continue the treatment. 
Of course, it is possible at any time to challenge the treatment of your data for advertising purposes and the data analysis. You can inform us of your opposition to this advertising at the following coordinates: 

iSkyce
6 Rue Schelmenwasen 
F-67590 Schweighouse Sur Moder (France-Alsace)
Phone: 07 81 28 90 88
E-mail: shop@iskyce.com 
Web site: https://www.iskyce.com


In addition, you have the right to complain to a supervisory authority for the protection of the data about our treatment of your data personal.

Data protection in the event of application and during the application process
The person responsible for the treatment to collect and process the personal data of candidates for the smooth running of the application procedure. The treatment can also take place by electronic means. This is particularly the case when a candidate passes electronically to the person responsible for processing the application form provided for this purpose, for example by e-mail or via a form on the Web page online. If the person responsible for the treatment concludes a contract of employment with the candidate, the transmitted data will be stored for purposes of treatment of the employment relationship in compliance with the legal provisions. If the person responsible for the treatment concludes no contract of employment with the candidate, the application file will be automatically removed two months after communication of the decision to refuse, insofar as no interest of the person the controller does oppose this deletion. Make part of these legitimate interests, for example, a burden of proof in a general procedure according to the German law on the protection against discrimination (Allgemeines Gleichbehandlungsgesetz - AGG).

Use of Google Analytics This Web page uses Google Analytics, an analytical service Internet of Google Inc. (later: "Google"). Google Analytics uses "cookies", i.e. text files that are stored on your computer and through which it is possible to analyse your use of the Web page. The information generated by the cookie about your use of this Web page are generally sent to a Google server in the United States where they are stored. However, due to the activation of the function of making anonymous IP address on these Web pages, Google abregera beforehand your IP address in the Member States of the European Union or the other Contracting States of the agreement on space European economic area. This is that in exceptional cases as the complete IP address is transferred to a Google server in the United States and is shortened. At the request of the operator of this Web page, Google will use this information to evaluate your use of the website, to compile reports on the activity of the Web page and provide to the operator of the site of other services related to the activity Web page and Internet usage. The IP address provided by your browser as part of Google Analytics will not be combined with other data of Google.
It is possible to prevent the use of Google Analytics by refusing its use. It is also possible to prevent the installation of cookies by changing the settings of your browser setting. However, we draw your attention to the fact that in such a case, you may not be able to use fully all the features of this Web site. You can also avoid the collection by Google of the data generated by the cookie and relating to your use of the website (including your IP address) and their processing by Google: just download and install the plugin for browser available at the following link: http://tools.google.com/dlpage/gaoptout?hl=de.
We use Google Analytics to analyze the use of our Web site and to improve it on a regular basis. The statistics obtained allow us to improve our offer and organize more interesting way for you as a user. For the rare cases where personal data are transferred to the United States, Google is subject to the EU-US Privacy Shield, https://www.privacyshield.gov/EU-US-Framework. 

The third-party provider information: Google Dublin, Google Ireland Ltd., Gordon House, Barrow Street, Dublin 4, Ireland, Fax: + 353 (1) 436 1001. Terms of use: http://www.google.com/analytics/terms/de.html, overview on data protection: http://www.google.com/intl/de/analytics/learn/privacy.html, as well as the privacy policy: http://www.google.de/intl/de/policies/privacy.

Use of script (Google Webfonts) libraries
In order to present our content in a correct and graphically pleasant way on all browsers, we use on this Web site of the scripts and libraries of fonts like Google Webfonts (https://www.google.com/webfonts/). To avoid downloading them several times, the Google Webfonts are transferred in memory cache of your browser. If the browser does not support Google Webfonts or it prevents their access, the content will be displayed in a standard font. The opening of libraries of scripts or fonts automatically triggers a connection to the operator of this library. It is then theoretically possible - even if he is currently not certain that this is the case and, if so, for what purposes - the operators of such libraries to collect data. You can find more information on Google under "Use of Google Analytics" on Google.com.

Use of social networking plugins
Here are the plugins of social networks that we currently use: Facebook, Google Maps. We use what is called the solution two clicks. Which means that, when you visit our site, no personal data is transmitted as a first step to the suppliers of the plugins. You will recognize the provider of the plugin with the marking on the box above his initial or logo. With this button, we offer you the possibility to communicate directly with the supplier of the plugin. It is that when you click on the marked field and this way you activate the plugin provider is informed that you opened the Web page of our online. In addition, the data mentioned under "Data collection and general information" will be transmitted. In the case of Facebook, after the indication of the respective providers in Germany, the IP address will be anonymized immediately after collection. By the activation of the plugin, any personal data about you are so transmitted to the vendor in question and they are stored at home (to the United States in the event of US-American suppliers). As the plugins provider performs the collection of data including through cookies, we recommend, before clicking on the check box grayed out, erase all cookies using your browser's security settings.
We have no influence on data collection and data processing operations, and we do not know the depth of the collection of data, the purposes of treatment or retention periods. We do not have information about the deletion of the data collected by the provider of plugins.
The plugins provider save as profiles to use the data collected about you and use them for advertising purposes, study of market and design tailored to the needs of its Web site. Such an assessment takes place notably (and also for users not connected) to serve advertisements according to the needs and to inform other users of the social network of your activities on our Web site. You have the right to oppose the creation of these user profiles, knowing that, to do this, you must contact suppliers of plugins. With plugins, we give you the opportunity to interact with social networks and other users, allowing us to improve our offer and organize more interesting way for you as a user. 
The data transmission is done independently whether or not you have an account with the provider of plugins and you're or not connected. When you are connected to the provider of plugins, the data we have collected are directly attributed to the account that you have with him. When you press the active and, for example, to create a link to the page, the provider of plugins will also save this information in your user account and will communicate publicly to your contacts. We recommend that you log out regularly after use of a social network and all particularly however before activating the button, given that you can avoid an assignment to your profile by the provider of plugins.
For more information about the purpose of data and its volume and the treatment by the provider of plugins, consult the privacy policies of these service providers provided below. Get additional information about your rights to this subject and the configuration options for the protection of your privacy.
Addresses of different plugins and URL providers with their privacy notice:
(a) Facebook Inc., 1601 s. California Ave, Palo Alto, California 94304, USA; http://www.Facebook.com/policy.php; further information on the data collection: http://www.facebook.com/help/186325668085084, http://www.facebook.com/about/privacy/your-info-on-other#applications and http://www.facebook.com/about/privacy/your-info#everyoneinfo. Facebook is subject to the EU-US-Privacy-Shield, https://www.privacyshield.gov/EU-US-Framework.
(b) Google Inc., 1600 Amphitheater Parkway, Mountainview, California 94043, USA; https://www.Google.com/policies/privacy/partners/?HL=de. Google is subject to the EU-US-Privacy-Shield, https://www.privacyshield.gov/EU-US-Framework.

Integration of YouTube videos
We integrated into our online offering of YouTube videos that are stored on http://www.YouTube.com and can be viewed directly from our Web site. They are all integrated in "extended mode of data protection", that is, no data about you as a user will be sent to YouTube as long as you don't watch the videos. Is that when you watch the videos that the data referred to in paragraph 2 will be transmitted. We have no influence on the transmission of data. When you visit the website, YouTube gets the information you have open the subsite for it on our Web site. In addition, the data mentioned under "Data collection and general information" will be transmitted. This occurs regardless of the fact that YouTube should be available or not a user account through which you are connected. If you are connected to Google, your data will be directly attributed to your account. If you do not want that an allocation should be made with your profile on YouTube, you should logout before you activate the button. YouTube backup your data as usage patterns and use them for advertising purposes, study of market and design tailored to the needs of its Web site. Such an assessment takes place including (also for users not connected) for the delivery of advertisements tailored to the needs and to inform other users of the social network of your activities on our Web site. You have the right to oppose the creation of such user profiles but, for that, you'll need to YouTube.
For more information about the purpose of data and its volume as well as treatment with YouTube, see the privacy policy. You will get there also additional information about the configuration options for the protection of your privacy and your rights: https://www.google.de/intl/de/policies/privacy. It is also the United States that Google processes your personal data, and it is subject to the EU-US-Privacy-Shield, https://www.privacyshield.gov/EU-US-Framework.

Integration of Google Maps
On this Web page, we use Google Maps offering. So, we can see your intention to interactive maps directly on the Web site and we allow you to easily use the map feature.
When you visit the website, Google Gets the information you have open the subsite for it on our Web site. In addition, the data mentioned under "Data collection and general information" will be transmitted. This occurs regardless of the fact that Google should be available or not a user account through which you are connected. If you are connected to Google, your data will be directly attributed to your account. If you do not want that an allocation should be made with your profile on Google, you should logout before you activate the button. Google backs up your data as usage patterns and use them for advertising purposes, study of market and design tailored to the needs of its Web site. Such an assessment takes place including (also for users not connected) for the delivery of advertisements tailored to the needs and to inform other users of the social network of your activities on our Web site. You have the right to oppose the creation of such user profiles but, for that, you'll need to Google.
For more information about the purpose of data and its volume and the treatment by the provider of plugins, see that provider's privacy policies. You will get there also additional information about your rights to this subject and the configuration options for the protection of your privacy: http://www.google.de/intl/de/policies/privacy. Google treats your personal data to the United States and submitted to the EU-US-Privacy-Shield, https://www.privacyshield.gov/EU-US-Framework.

Legal basis of the processing
Such treatment operations we are including allowed because they were mentioned in particular by the European legislator. In that regard, it considered that we could admit a legitimate interest when the person is a client of the responsible person (recital 47 sentence 2 RGPD).

Legitimate interests regarding the treatment of the person or a third party
If the personal data processing is based on article 6 I bed. f RGPD, our legitimate interest is that our commercial activity for the well-being of all our employees and shareholders.

Duration of retention of personal data
The criterion for the duration of the conservation of the personal data is the legal retention period concerned. After expiry of this period, the data in question will be systematically deleted insofar as they are no longer required for the production or preparation of the contract.
Legal provisions or contractual about the providing of the personal data; the need for the conclusion of the contract; obligation for the person concerned to communicate the personal data; possible consequences in case of non-disclosure
We inform you that the personal data communication is partially ordered by law (for example tax provisions) or it may result from contractual regulations (for example information concerning the Contracting Party). Sometimes, it may require the conclusion of a contract that a person communicates to us data of a personal nature that we then treat. For example, the person concerned is obliged to provide us personal data when our company concluded a contract with her. If she does not communicate the data personal, the contract may not be concluded with her. Before disclose us personal data, the person concerned may be in relationship with our Commissioner to protect data. Our Privacy Commissioner data will explain to case by case to the person concerned if the communication of the personal data is prescribed by law or by contract or even if it is necessary for the conclusion of the contract, if he is forced to communicate data to personal character and the consequences in case of non-disclosure.

Changes to our data protection provisions
We reserve the right to adapt this privacy policy occasionally to ensure that it meets current legal requirements at any time or to transpose our services changes in the privacy policy. for example, at the launch of new services. For your next visit, it is this new data protection which will be valid.

 

 

Article 15: Flow management will be entrusted to an external provider attached on our ShopiSkyce and it so in the processing of all streams coming or leaving our site.

Streams are the responsibility of the SA Mangopay and each seller ShopiSkyce must conform to the rules established by Mangopay and may not stick. For more information please refer to the Mangopay terms of use on the site

Preamble: MANGOPAY SA has been launched in 2013 to provide a payment solution which is a subsidiary of the Group Credit Mutuel Arkéa since 2015 and innovative with an integral part of the Leetchi Group MANGOPAY SA holds a (th) electronic money issuer licence issued by the CSSF, authority of the Luxembourg regulation and is approved by the PTA has carried out its activity on the french territory. His status also allows him to work as a payment institution.

 

MANGOPAY SA limited company under Luxembourg law with a capital of 2 000 000 euros, headquartered

Social is located 10 Boulevard Royal, L - 2449 Luxembourg and registered at the trade register and

companies of Luxembourg under the number B173459, entitled to exercise his activity in France in free

establishment, as an electronic money institution accredited by the Commission of

Supervision of the financial sector, 283 L-1150 Luxembourg Arlon road,www.CSSF.Lu

According to section 3 of this document and the terms of Mangopay Articles 3.1 TOU Mangopay and so s comply with the rules. terms of subscription; acceptance and to be accredited by Mangopay a parts will be transferred internally between the platform and Mangopay.

Article 2: KYC: authenticating users

MANGOPAY must perform authentication of users of each platform in the context of the

LAB - FT procedure imposed by financial regulators to all holders of a bank licence.

The objective of these controls is to combat fraud, money laundering and the financing of terrorism.

Each platform has a contractual responsibility to collect this information from its users.

To perform authentication, different supporting documents should be sent to MANGOPAY. This sending

can be done directly via the API that responds automatically.

 

The parts are for recall article 3 or Article 4.2 TOU Mangopay:

  • Your activity in France; Europe under condition of the country member and European standards and for the rest of the world according to international standards
  • Being a manufacturer, Distributor, dealer etc...
  • Complete a membership form.
  • Pieces of identity or passport in force.
  • Extract Kbsis or Mermaid of less than 3 months
  • 1 bank statement
  • 1 extract from the judicial record n ° 3 of less than 3 months
  • 1 proof of address of less than 3 months
  • Having been the object of a notification of SEO from us
  • Set the commissions in accordance with Schedule 3.
  • Comply with the restrictions set out in annex 2.

 

Upon acceptance of Mangopay you will have access to your

Dashboard: Activity monitoring MANGOPAY allows access to all the information about users and transactions through the dashboard made available.

You can also manage the access rights of users by implementing of the permission groups according to their profile. All of the electronic payment activity can be managed via the dashboard.

 

Reporting: Access to all key information about your business with customized reports for your billing or accounting needs.

Transactions: Manage all of your financial flows: payments by card or transfers, transfers, management commission, transfer to your sellers, refunds and charge backs.

Key indicators set up receipt of notifications MANGOPAY for optimal monitoring of operations and the

set up your automated rules.

 

Articles 3 costs MANGOPAY pricing *.

Payin' CB 1.8% + €0.18

Payin' levies €0,50

Payin' transfers 0.5%

Free PayOut

 

Are the accepted currencies: EUR, GBP, CAD, SEK, NOK, DKK, CHF, ZAR, PLN, USD.

 

Article 4 MANGOPAY: SLA

 

LEVEL OF SERVICE AND COMMITMENT OF AVAILABILITY OF THE PAYMENT SOLUTION

• Availability of the API via a contractual SLAs

• Operations support

- Synchronous and instant : Creating users, Payin' (excluding transfers and withdrawals), transfers between wallets

- Asynchronous : KYC, PayOut

• Management of KYC documents

-Contract of 1 working day with:

-automated validation of identity documents

-identification of politically exposed persons or on sanction lists

-the identification of falsified automatic identification

• Management of outgoing transfers (PayOut)

- 1 maximum working day After the receipt of the application via the API (averaging under 2 hours)

-Receipt in the Bank within 2 working days maximum (based on the time at which the transfer has been sent)

Availability availability Compensation (as % of CT)

99% - 98.5%                                                     30%

< 98.5%-97.5%                                                50%

< 97.5% - 97%                                                   70%

< 97%                                                              100%

Article 5 Fraud Prevention

 

MANGOPAY by default applies the 3 following rules for prevention against fraud on payments by credit card:

COUNTRIES BLACKLISTED

Monitoring of the emitters of bank cards. The assessment of the sensitivity of the country is at the heart of regulation devices regarding AML, FT and respect trade embargoes.

3D SECURE RESULTS

Transactions without transfer of responsibility to the Bank from the cardholder are denied.

VELOCITY OF CARD

Control of the transactions with the same card number (3 or more transactions within 24 hours).

3-D SECURE PROTECTION

The 3D SECURE is the best protection against fraudulent payments. MANGOPAY

allows you to trigger the 3DS on transactions or force it on

some payments.

Benefits of the 3D Secure:

-Limiting the risk of fraud including fraud CNP (Card No. Present)

-The user is redirected to the site of his bank in order to authenticate

-Transfer of responsibility to the Bank of the carrier in case of fraud

 

Your user makes his purchase at the time to validate his payment, he tells his card numbers the user is temporarily transferred to her bank's site. This is the phase of authentication

Successful authentication. The payment is confirmed!

Prevention and use of the 3D SECURE

MANGOPAY setting the default 3DS to €50

The threshold can be lowered / increased according to your needs or the identified risk.

Ability to force the 3DS based on your internal rules (1st transaction, the card record, velocity of payments)

SECURE MODE from DEFAULT to FORCE

A J U S T A B L E

Adjustment or removal of the contractual 3DS

Default rule: maximum payment of € 2500.

3 D S E C U R E

FRAUD: Surveillance

Alerts OPPOTOTA

Treatment of the alerts received via the national file of bank cards in opposition to loss, theft,

forgery, fraudulent use of card.

A verification request is sent to the platform in the event of suspected fraud

Not accomplished operations monitoring

Verification of wallets on which a high number of rejected transactions are recorded.

Fingerprint Unique token allowing the platform to develop anti-fraud rules based on a CB

 

For further information you can refer on the UGC MANGOPAY tabs. Legal notice; UGC buyers or write to us at  Shop@iSkyce.com  or iSkyce (Legal Service) 6 Rue Schelmenwasen F-67590 Schweighouse Sur Moder (France-Alsace)