Click2Pay...a scam?

[just play]

So my prepaid credit card caught on I was gambling with it...duhhhhh...anyway I go to sign up for Click2Pay and didn't like the people who I was talking to, I got very suspiscious. So I sent them a email telling them to delete my account (I never put any money in it) and they send a email back to me, and it has this one paragraph in it....

"Please note that your data can not be deleted from our system for a
period of upto six years. Under the policy with which we operate your data
is stored securely. Your personal and confidential information will not
be given to any third parties."


First...Why in the hell would they keep all my "data" for 6 years? So when they use my social securtiy number in a few years I can't track them?

Second...Do they not have a delete button on their computer keypad?


Is this legal? Who can I contact to find out if it's legal...the whole place seemed a little shabby to me.

 

[ewhitaker]

I have been a member of click2pay for a year now and use them all the time. They have been absolutely fantastic for me and I would recommend them to anyone.

It is not only click2pay that keeps your data for a lenth of time. Consider for a moment all the other places you use a credit card. How do you know how long they keep your card number on file? What about your bank? If you close your bank account I assume for tax purposes they hold onto the data as well for the required amount of time.

We own a store - every transaction made by our customers is kept and filed. We hold onto these for tax purposes and in the event there is a dispute.

So in the end and in my opinion only, I don't feel this is something out of the ordinary.

 

[vinylweatherman]

Data

Click2Pay are in the EU. There are regulatory requirements about how data is handled. The rather inflexible 6 year rule is intended for when someone has made transactions, although even an account that is empty and has never been used still needs to be recorded and kept. While they will keep this data, they are not allowed to pass it on to a third party unless required to by the courts or government (of the EU, not USA!).
I have a gripe with them over the way they suddenly changed their systems which resulted in fees of around 5% when using their version of Instacash from a credit card. It used to be free, but they didn't inform users of the change, which would be a breach of regulations here in the UK where detrimental changes require 30 days notice to affected customers.
Transactions are still free if the Click2Pay account is prefunded, but this option was well hidden, and they were marketed as a means to pay by credit card without giving the card number to the merchant (and with the advantage that the card company could not tell for certain it was a gambling transaction!).
I felt there was not something quite right about them, but Dean from the Palace Group assures me they are OK.

 

[GrandMaster]

First...Why in the hell would they keep all my "data" for 6 years? So when they use my social securtiy number in a few years I can't track them?

Second...Do they not have a delete button on their computer keypad?


Is this legal? Who can I contact to find out if it's legal...the whole place seemed a little shabby to me.

Germany and the European Union in general has much stronger data protection legislation than the US, so you are probably in a better position than when you gave your personal information to an American company.

I would not be surprised if 6 years were the time limit for bringing a lawsuit to enforce a debt. If Click2Pay did not keep your data, you could close your account and then sue the company at some later date, and you would win because Click2Pay would not be able to refute your claim.

 

[mikepipe]

I dont know if 6 years are ok - to me it seems that three years should be enough according to similar EU-regulations- (credit ratings, german SCHUFA etc) anyway:
I ve been using click2pay for half a year now and find them absolutely ok and a good alternative to neteller. Their CS is available, whenever i need them and is helpful.
A pity that (of of) the best casino(s) doesnt accept c2p (right, its 32...)

 

[Simmo!]

I would not be surprised if 6 years were the time limit for bringing a lawsuit to enforce a debt.

6 years in the UK is also the amount of time that the Inland Revenue can go back when investigating a company's VAT and PAYE contributions. A Limited company is required to keep a record of all these transactions for 6 years by law.

 

[CasinoForumu]

I am not a member of click2pay because I dont like tis name.
''Click to pay''. Why?