This Privacy Policy describes how Caibo Digital OOD collects, uses, and protects your personal data when you use our website and payment services. We are committed to protecting your privacy in accordance with the General Data Protection Regulation (GDPR) and applicable Bulgarian data protection law.
Caibo Digital OOD is the data controller for personal data collected through caibo.digital and our payment gateway services. We are registered in Bulgaria and operate as an internet payment gateway (IPG) platform serving merchants globally.
Contact: office@caibo.digital
Some of our service providers are located outside the European Economic Area (EEA). Where we transfer personal data internationally, we ensure appropriate safeguards are in place, including:
We retain personal data only as long as necessary for the purposes outlined above or as required by law:
Under GDPR you have the right to:
To exercise any of these rights, contact us at office@caibo.digital. We will respond within 30 days. You also have the right to lodge a complaint with the Commission for Personal Data Protection (CPDP) in Bulgaria (cpdp.bg) or with the supervisory authority in your country of residence.
We implement industry-standard technical and organisational measures to protect your personal data, including:
In the event of a personal data breach affecting your rights and freedoms, we will notify the relevant supervisory authority within 72 hours and affected individuals without undue delay, as required by GDPR Article 33.
For any privacy-related questions or to exercise your rights, please contact our Data Protection Officer:
These Terms of Service govern your access to and use of the Caibo payment gateway platform and related services provided by Caibo Digital OOD. By accessing our services, you agree to be bound by these terms.
To use our Services, you must be a legally registered business entity or sole trader aged 18 or over. By registering, you represent that all information provided is accurate and that you have the authority to bind your organisation to these terms.
Account approval is subject to our KYC/AML verification process. We reserve the right to decline or suspend applications at our sole discretion, including based on the nature of your business, transaction volumes, or risk profile.
Caibo provides an internet payment gateway enabling Merchants to accept card payments, alternative payment methods, and process transactions globally. Specific capabilities are described in the Our Solution page and applicable service schedules.
We do not guarantee uninterrupted availability of the Services but will endeavour to maintain uptime consistent with industry standards. Planned maintenance will be communicated in advance where practicable.
As a Merchant, you agree to:
Fees for the Services are as set out in your Merchant Agreement or on our Pricing page. We reserve the right to amend fees with 30 days' written notice.
Settlement of funds to your designated bank account will occur in accordance with the settlement schedule agreed during onboarding. Caibo reserves the right to withhold settlement where there is a reasonable suspicion of fraud, chargeback risk, or breach of these terms.
You are responsible for all applicable taxes on fees charged by Caibo in your jurisdiction.
All intellectual property rights in the Services, including software, APIs, documentation, branding, and content, remain the exclusive property of Caibo Digital OOD. We grant you a limited, non-exclusive, non-transferable licence to use the Services solely for your own business purposes during the term of your Merchant Agreement.
You may not copy, modify, reverse-engineer, or create derivative works of any part of the Services without our prior written consent.
To the maximum extent permitted by applicable law, Caibo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or in connection with the Services.
Our total aggregate liability to you for any claim shall not exceed the total fees paid by you to Caibo in the three months preceding the event giving rise to the claim.
Nothing in these terms limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under applicable law.
Either party may terminate the Merchant Agreement with 30 days' written notice. Caibo may suspend or terminate your account immediately without notice if:
Upon termination, your access to the Services will cease and any outstanding settlements will be processed subject to applicable withholding periods.
These Terms are governed by and construed in accordance with the laws of Bulgaria. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the Bulgarian courts, without prejudice to your right as a consumer to bring proceedings in the courts of your country of residence.
For any questions regarding these Terms, please contact us at office@caibo.digital.
We may update these Terms from time to time. Continued use of the Services after any such change constitutes your acceptance of the new Terms.