法律法规

1. 法律法规

YabandPay基于以下法律法规，有法定义务对客户进行尽职调查（Customer Due Diligence，简称CDD）。

  • The Payment Service Directive ((EU) 2015/2366 and the rules and regulations promulgated thereunder, together with PSD2: European Payment Services Directive and Dutch Financial Regulation Act (Wet op het financieel toezicht, Wft).

  • Wft：Wet op het financieel toezicht (Wft) is the Dutch act that regulates (supervise) the Dutch financial sector, including provisions for payment service providers.

  • The Prudential Rules Act under the Wft (Besluit prudentiële regels Wft; Bpr).

  • Act on the Supervision of the Business of Financial Enterprises under the Wft (Besluit Gedragstoezicht financiële ondernemingen Wft, Bgfo).

  • Anti-money laundering and Counter-terrorism financing Act (Wet ter voorkoming van witwassen en financieren van tropicale; Wwft).

  • The Sanctions Act 1977 (Sanctiewet 1977; Sw): imposes legal requirements on financial (and other) institutions to ensure compliance with national and international rules imposing international, EU and national sanctions.

  • Publication of guidance and policy rules for the Dutch Central Bank (De Nederlandsche Bank) and other supervisory authorities on the interpretation of applicable laws and regulations.

2. 隐私和数据保护政策

YabandPay是获得荷兰中央银行（De Nederlandsche Bank, DNB）许可的支付机构。YabandPay非常重视数据保护，尤其是个人隐私数据保护。基于此，YabandPay制定了《隐私和数据保护政策》。

具体来说，YabandPay需要遵守以下政策：

  • the Algemene verordening gegevensverwerking (AVG) / the General Data Protection Regulation (GDPR);
  • the Uitvoeringswet Algemene verordening gegevensbescherming (UAVG) / the Dutch Implementation Act of the GDPR.

GDPR是保护欧盟个人数据的和隐私的法律，对设立于EU并且收集和处理个人数据的公司以及在提供服务时需要收集和处理居住在EU的个人信息的公司设定相关规则提供法律框架。GDPR同样适用于YabandPay。

YabandPay为遵守GDPR制定了明确的管理细则，用以鉴别、收集、处理和保护个人数据。

YabandPay及其所有员工都被要求严格遵守相关政策。如其违反政策，会受到严厉的纪律处分。

点此浏览 《隐私和数据保护政策》

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