Privacy Policy
This privacy policy ("Privacy Policy") describes how SIA "Complete Payment Systems" ("CPS", "we", "us") processes personal data in connection with the use of the website www.cps.lv and the provision of services, and sets out the rights available to data subjects. As Controller, CPS will process the personal data it receives only for the purposes and in the ways set out in this Privacy Policy.
Below you will find detailed information about what kinds of personal data we collect about individuals and for what purposes, what we do with that data, and how we process it. By accessing or using our website, you agree to the terms set out in this Privacy Policy and in the Cookies Policy below. If you do not agree with this Privacy Policy, you should leave this website and stop using the services we provide.
1. Introduction
1.1. The purpose of this Privacy Policy is to provide information about the processing of personal data carried out by CPS. The Privacy Policy applies to the processing of personal data of recipients of CPS services, prospective recipients of those services, website visitors and business partners.
1.2. CPS processes personal data in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC ("General Data Protection Regulation"), and in compliance with other legal acts in the field of personal data protection.
1.3. In this Privacy Policy, the term CPS refers to the limited liability company "Complete Payment Systems", registered in the Republic of Latvia, registration No. 40103367884, registered office: Brīvības gatve 226 k-2, Rīga, LV-1039, Latvia.
1.4. The terms "Personal data", "Data subject", "Processing", "Controller" and "Supervisory authority" used in this Privacy Policy have the same meaning as set out in the General Data Protection Regulation.
2. What personal data do we process?
2.1. In the course of its commercial activity, CPS receives various kinds of information from prospective and existing clients, website visitors and other people who communicate with us. Part of that information is personal data in respect of which CPS is the Controller.
Personal data provided to CPS
2.2. Our existing and prospective clients provide us with the following personal data:
- name;
- email address;
- telephone number;
- the website, estimated monthly turnover and location or country of the business;
- any other personal data contained in content you send us, for example in a message, an email or the documents of a merchant account application.
This data is necessary so that CPS can assess your application, enter into contracts with you, perform them, and communicate with you.
2.3. When you apply for a merchant account or contact us using the form on the website, you give us the details you enter in the form: name, email address, telephone number, website, your message, estimated monthly turnover and location or country. The form also records the address of the page it was sent from. This data is necessary so that CPS can respond to your application, questions and requests.
2.4. When you communicate with us using the contact details on the website, you give us your email address and/or telephone number, as well as any other information you choose to disclose to us. This data is necessary so that CPS can communicate with you and respond to your questions, requests, complaints and similar.
Personal data collected automatically
2.5. When you visit the CPS website, our hosting provider automatically processes standard web log data, such as your IP address, browser, the pages requested and the time of the request, in order to deliver the website and keep it secure. If you consent to analytics cookies, we also collect information about your device and browser, the pages you visit, your approximate location and how you use the site. Find out more in the Cookies Policy below.
3. Purposes and legal basis for processing
3.1. CPS processes your personal data in order to offer and provide services to you, to improve the services provided, to resolve any problems that may arise in connection with a service, and to give you the best possible experience as a client.
3.2. CPS collects and processes your personal data for the following purposes, among others:
- assessing merchant account applications and preparing offers;
- entering into and performing contracts;
- providing services, including onboarding, technical integration and support;
- communicating with you about our services and other matters;
- analysing the use of our website so that we can improve it;
- protecting our legitimate interests and for legal reasons such as the performance of contracts, compliance with applicable legal acts, and cooperation with law enforcement authorities.
Before using your personal data for a purpose not covered by this Privacy Policy, we will ask for your consent.
3.3. CPS collects and processes your personal data only where there is a lawful basis for doing so, which may differ depending on the particular data category and the purposes of processing. Please note that we may process the same personal data for several purposes at once, and accordingly on several legal bases.
3.4. Entering into and performing a contract. When you apply for a merchant account, we process your data to take the steps you ask for before a contract is concluded, and later to perform the contract. This is the legal basis for most of the processing of your personal data.
3.5. Legal obligation. In some cases CPS processes personal data on the basis of legal obligations imposed on us by applicable legal acts, for example in the field of taxation, or in cases where we have to respond to legal process.
3.6. Legitimate interests. Processing your personal data is necessary in order to pursue the legitimate interests of CPS or of third parties, except where your interests or fundamental rights and freedoms requiring the protection of personal data override those interests. Legitimate interests include answering enquiries sent to us, carrying on and developing our commercial activity, informing prospective clients about our services, keeping the website and services secure, and pursuing legal claims.
3.7. Consent. We use analytics cookies only with your consent. You can withdraw it at any time through "Cookie settings" at the foot of every page.
4. Retention period
4.1. CPS retains personal data until the purpose for which the data was collected has been fulfilled. For example, we retain client data for as long as a contractual relationship exists between us.
4.2. After the purpose has been fulfilled or the contract has ended, we may continue to retain certain data for as long as is reasonably necessary in order to comply with our legal obligations, to resolve disputes where there are any, to enforce our agreements and/or to protect our legitimate interests.
5. Transfer of personal data to third parties
5.1. So that CPS can provide its services, we work with third parties that provide us with services necessary for carrying on our commercial activity ("Third party service providers"). Accordingly, we transfer personal data to third party service providers, in particular:
- Netlify, Inc., which hosts this website and receives the submissions of the application form;
- Microsoft, which provides the email service behind contacts@cps.lv;
- Google, which provides Google Analytics, only if you consent to analytics cookies;
- payment service providers and acquiring banks involved in providing the services you request;
- legal service providers.
5.2. Third party service providers receive a strictly limited amount of personal data, being what is necessary for the provision of their services. CPS transfers personal data only to those third party service providers that are able to ensure compliance with all personal data processing requirements under the General Data Protection Regulation and other applicable legal acts.
5.3. In certain cases we may have a legal obligation to transfer your personal data to state or municipal authorities or to other third parties.
5.4. CPS may transfer your personal data to third parties where this is in our legitimate interests, for example in the case of a merger, a disposal of assets, a transfer of undertaking, or other restructuring of the provision of services.
5.5. Personal data processed by CPS may be transferred to third party service providers and other persons located outside the European Economic Area ("EEA"), for example to Netlify and Google in the United States. CPS transfers personal data only to those third party service providers and other persons outside the EEA that are located in territories recognised by the European Commission as ensuring an adequate level of personal data protection, or that are otherwise able to provide appropriate safeguards, and where effective legal remedies are available to data subjects.
6. Rights of the data subject
6.1. People located in certain countries, including the EEA, have certain rights in relation to their personal data under the applicable legal acts. Subject to any exceptions provided for in those legal acts, you may have the right to request access to your personal data in order to update, delete or correct it, to restrict or object to the processing of your data, and the right to data portability.
6.2. You can exercise these rights by contacting CPS using the contact details given later in this Privacy Policy.
6.3. If you consider that we have processed your personal data unlawfully, you have the right to submit a complaint to us using the contact details given later in this Privacy Policy, or to lodge a complaint with the authority supervising personal data protection in your country. In Latvia this is the Data State Inspectorate (Datu valsts inspekcija).
7. Security of personal data
7.1. Taking into account the possible risks and the nature of the processing, CPS uses reasonable and appropriate organisational, technical and administrative measures to protect the confidentiality, integrity and availability of personal data.
7.2. Unfortunately, no data transmission or storage system is guaranteed to be 100% secure, so we cannot guarantee complete data security. We therefore encourage you to take care of your personal data and, as far as possible, to avoid sending sensitive data through the website form whose disclosure could cause substantial harm to the data subject.
7.3. All CPS personnel involved in processing the personal data provided to us are bound by confidentiality obligations and may not access personal data without authorisation or where this is not necessary for the purposes for which that data was collected.
7.4. In the event of a personal data breach, we will notify you in accordance with the obligations laid down in applicable legal acts and will provide reasonable assistance in connection with the investigation of the breach and reporting it to the supervisory authorities.
8. Changes to the Privacy Policy
8.1. CPS may amend the Privacy Policy, for example when introducing new services. Amendments to the Privacy Policy take effect and apply from the moment they are published on our website.
8.2. We therefore recommend that you visit the CPS website from time to time. By continuing to use our services or the website, or otherwise providing us with personal data after amendments to the Privacy Policy, you agree to the new version of the Privacy Policy.
9. Applicable law
The legal acts in force in the Republic of Latvia apply to the CPS Privacy Policy. All disagreements will be resolved by negotiation. If mutual agreement is not reached, disputes will be heard by a court of the Republic of Latvia in accordance with the legal acts in force in the Republic of Latvia.
10. Contact details
If you have any questions about this Privacy Policy and the processing of your data, or you wish to exercise your rights as a data subject, please contact us by writing to contacts@cps.lv, or using the following contact details:
SIA "Complete Payment Systems"Reg. No. 40103367884
Registered office: Brīvības gatve 226 k-2, Rīga, LV-1039, Latvia
Office: Brīvības gatve 226/2, Rīga, LV-1039, Latvia
Email: contacts@cps.lv
Phone: +371 67 77 77 49
This Privacy Policy is effective from 22 October 2026.