Website Terms of Use

By using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please stop using the site.

1. About NOIRE

This website is operated by NOIRE (“we”, “us”, “our”). “You” means any user or visitor.

2. Acceptable Use

You must not:

• break any law or regulation;

• use the site for unlawful, fraudulent or harmful activity;

• introduce viruses or malicious code;

• attempt unauthorised access to the site or related systems;

• copy or reuse site content without permission;

• use the site to send spam or unauthorised marketing.

We may restrict access if your use risks security, reputation, legal or regulatory issues.

3. Content & Accuracy

All content is for general information only and may change without notice.
We do not guarantee accuracy or completeness and accept no liability for reliance on the information provided.
You are responsible for ensuring any products, services or information meet your needs.

4. Intellectual Property

All design, text, graphics and trademarks on this site are owned or licensed by us and may not be used without prior written permission.

5. Cookies

We use cookies for essential functionality, analytics and advertising. See our Cookie Policy for details.

6. Legal

Unauthorised use may lead to civil or criminal liability.
These Terms are governed by English law, and disputes are subject to the exclusive jurisdiction of the English courts.

Personal Data ICO and GDPR

NOIRE is registered at the Information Commissioners Office (ICO) registration number ZA344502. We follow all guidelines and rules relating to General Data Protection Regulation (GDPR). For more information about ICO and GDPR please see ICO website. We take all steps reasonably necessary to ensure that your data is treated securely.

Data is only used for the purposes it was provided for, we never share or use data for anything else.

ISO MSP and PSP

NOIRE is registered and regulated as an ISP/MSP with the card schemes by leading UK and European FCA regulated partner banks.

Security

CISP compliance (Credit Card Scheme Compliance) is required of all service providers that store, process, or transmit cardholder data. The program applies to all payment channels, including face-to-face retail, mail and telephone order, and e-Commerce (online payments). Compliance with CISP means compliance with the PCI Data Security Standard with the required program validation. The Payment Card Industry (PCI) Data Security Standard offers a single approach to safeguarding sensitive data for all card brands.

All transaction information passed between merchant sites and NOIRE’s systems is encrypted using SSL certificates. No cardholder information is ever passed unencrypted and any messages sent to your servers from NOIRE are signed using hashing to prevent tampering. You can be completely assured that nothing you pass to NOIRE servers can be examined, used or modified by any third parties attempting to gain access to sensitive information.

Using the PCI Data Security Standard as its framework, CISP provides the tools and measurements needed to protect against cardholder data exposure and compromise. The PCI Data Security Standard consists of twelve basic requirements and corresponding sub-requirements. These can be summarised as follows:

• Building and maintaining secure networks;
• Protecting sensitive data;
• Maintaining a vulnerability program by developing and maintaining secure systems and applications;
• Implementing and managing strong access controls;
• Regular monitoring and testing; and
• Maintaining information security policies.

NOIRE is PCI DSS Level 1 compliant, the highest level of card data security..

Encryption and data storage

Once in our systems, all sensitive data is secured using the same internationally recognised encryption standards. Data we hold is extremely secure and we are regularly tested to ensure it remains so.

Reporting a security event

A security event is any attempted or successful unauthorised access, disclosure, or misuse of our Account Management System & Payment Gateway, including hacking and theft.

Please immediately report any suspected security events to our Security Officer by emailing the details of the event to [email protected]

Privacy Policy

1. Who We Are

“NOIRE”, “we”, “us” or “our” refers to the operator of this website. “You” refers to any user or visitor.
We are committed to protecting your personal data and respecting your privacy.

By using noire.com, you agree to this Privacy Policy and our Terms of Use.

2. Information We Collect

Information you provide

You may provide personal information by completing forms on our website, contacting us by phone or email, or applying for our services. This may include contact details, company information, financial data, identification details or any other information you choose to share.
If you provide information about someone else, you confirm you have authority to do so.

Personal and non-personal data

• Personal data identifies an individual.

• Non-personal data does not, and may be created by anonymising personal information.

We may use non-personal or aggregated data for analytics, reporting and commercial purposes.

3. How We Use Your Information

We use personal data only for the purposes for which it was provided, or for closely related purposes that are compatible with those original reasons.

We use your information to:

• deliver our services and fulfil contractual obligations

• provide information you request

• understand customer needs and improve our products and website

• develop and test new features

• administer and protect our systems (security, troubleshooting, analytics)

• enable interactive features if you choose to use them

We do not share your data with third parties for their marketing.

We may disclose information where required by law, to enforce our terms, or to prevent fraud, crime or security risks.

4. GDPR Compliance

NOIRE is registered with the ICO under registration number ZA344502 and complies with the UK GDPR.
We take appropriate steps to ensure your data is stored and processed securely.

If you are provided with a password or access code, you are responsible for keeping it confidential.

5. Security and PCI DSS

NOIRE is PCI DSS Level 1 compliant, the highest standard for card-data protection.

• All transaction information between merchants and NOIRE is encrypted using SSL/TLS.

• Cardholder data is never transmitted unencrypted.

• Messages sent from NOIRE systems are cryptographically signed to prevent tampering.

PCI DSS requirements include secure networks, strong access controls, vulnerability management, monitoring, and formal information-security policies.

6. Your Rights and External Links

Our website may contain links to external sites. We are not responsible for their content or privacy practices, and they may have their own policies.

7. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page. Please review it periodically.

8. Contact Us

If you have any questions about this Privacy Policy, please contact:
[email protected]

9. Cookies

We use cookies and similar technologies to support essential website functionality, measure performance, and enhance your experience.

Cookies allow your device to be recognised without identifying you personally. They help:

• make the site easier to use

• analyse site performance

• support secure and reliable operation

You can manage or block cookies through your browser settings.
For more details, please refer to our Cookie Policy.

Trademark

NOIRE is a registered trademark for the company. First filed with the Intellectual Property Office (operating name of the Patent Office) and registered April 2012 and May 2024 under additional No. UK00004056754.

Registered in respect of:
Class9:
– Payments software
– Software for the processing electronic payments to and from others
– Online payment software.

Class 36:
– Merchant banking services
– Processing of electronic payments
– Processing of credit card payments
– E-wallet payment services
– Debit card payment services
– Electronic payment services
– Payment processing services
– Electronic wallet services (payment services)
– Credit card and payment card services.

Company information

Noire Technology Ltd (NOIRE) is registered and regulated in the UK since 2012. Registered at 3 More London Riverside, London, SE1 2RE, United Kingdom. Our Company registration number is 07896647

The information contained in this email may be privileged or otherwise protected by law. For this reason, if you are not the intended recipient, or if you have received this message by mistake, kindly inform the sender immediately using the information in the signature above. You are asked not to forward, disclose or transmit in any manner the contents of this email to any third person, and to immediately delete this message and to refrain from storing under any form. NOIRE does not accept any liability for any person acting, or failing to act, on the advice in this message. While NOIRE endeavors to ensure that its email correspondence is free from any viruses and other harmful software, it cannot accept liability for any damage that may be caused to recipients by any viruses or harmful software that may, from time to time, be inadvertently transmitted.
All and any contract between NOIRE and other parties must be in writing and signed by the authorised signature of NOIRE. Any agreement implied or otherwise within an email or conversation with an associate, employee or agent of NOIRE is not binding. It is the responsibility of any party wanting to provide their services to NOIRE to obtain the correct approval and authorised signature of the CEO of NOIRE. NOIRE is a register trade name of the Company.

Website cookies

We use cookies and similar technologies to make our website work, to understand how it is used, and to support our advertising.

What are cookies?

Cookies are small text files stored on your device. They help websites function, improve performance, and provide usage insights. You can control or delete cookies at any time through your browser settings.

How we use cookies

1. Essential cookies
These are required for the website to operate securely and correctly. They enable basic functions such as page navigation and access to secure areas.

2. Analytics cookies
We use cookies to understand how visitors use our site so we can improve performance and user experience. The data collected is aggregated and does not identify you personally.

3. Advertising cookies
We use Google Ads and related advertising technologies to measure campaign performance and to deliver more relevant ads. These cookies may track your interactions with our site on an anonymous basis.

Managing cookies

You can block or delete cookies through your browser settings. Please note that disabling essential cookies may affect how the site functions.

NOIRE TERMS OF BUSINESS

(Effective from the date of Merchant signs Merchant agreement and uses the services)

These Terms govern the Merchant’s use of NOIRE’s payment gateway and related services (“Services”). By using the Services, the Merchant agrees to these Terms and the applicable Schedule. These Terms do not replace, alter, or supersede any merchant acquiring agreement entered into between the Merchant, NOIRE and the Acquirer; those agreements remain fully binding and take precedence for those matters. Unless a separate tailored agreement is expressly signed by both parties, these Terms constitute NOIRE’s standard Terms of Business and apply to all Services provided by NOIRE. Where a tailored agreement exists, its provisions shall take precedence to the extent of any conflict with these Terms.

1. About the Service

1.1 NOIRE provides a secure payment gateway (“Service”) that transmits Transaction data from the Merchant to acquirers and other financial institutions for authorisation and settlement.

1.2 NOIRE Partners with fully licenced and regulated acquirers, banks and financial institution. NOIRE does not hold, control, or settle funds for merchants.

1.3 NOIRE is fully registered and regulated ICO PSP by Mastercard Visa and acquirers.

1.4 The Merchant must have a valid acquiring agreement (“Merchant Account”) with an Acquirer or financial institution approved by NOIRE.

1.5 The Service includes authorisation messaging, payment page or API functionality, reporting, and any additional services specified in the Schedule.

2. Merchant Responsibilities

2.1 The Merchant must:

• • operate only lawful products and services

• • comply with card scheme rules and Acquirer requirements

• • ensure its website, integration, and security systems function properly

• • maintain PCI-DSS compliance for its environment

• • provide accurate business information

• • notify NOIRE immediately of technical issues or changes in ownership

• • handle all customer support queries, disputes, refunds, and complaints

2.2 The Merchant accepts full liability for:

• • all Chargebacks and related fees

• • fraud, including card-not-present fraud

• • scheme penalties (e.g., BRAM, ECP, GMAP)

• • incorrect or incomplete Transaction data

• • losses arising from the Merchant’s systems or website

• • use of the Service outside PCI-DSS requirements

2.3 The Merchant must not store or send unencrypted card data to NOIRE.

3. Fees and Payment

3.1 Fees are listed in the merchant agreement schedules with the acquiring partner bank and net settled to the merchant.

3.2 Invoices for additional services or fees not collected through the merchant agreements will be listed separately.

3.3 General transactions (include but not limited to: DB, PA, CP, RG, RF, CD) the merchant sends to the gateway are charged at the general transaction processing fees (Known as the Authorisation and processing fee) as detailed in the merchant agreements with acquirers.

3.4 Some transactions which incur fees which are not be sent to an acquirer, such as fraud checks. These will be detailed in separate pricing agreements.

3.5 Some transactions maybe NOIRE gateway related and not sent to the acquirer, or for other reasons are not billed by the acquirer due to technical or other reasons for example. In these cases if they are general transactions type they will be invoiced for separately but charged at the same fixed authorisation fee rate unless agree otherwise with the merchant.

3.6 NOIRE may suspend or terminate the Service if payment is late.

3.7 NOIRE may update fees with notice, except where required by law or card schemes, in which case changes may take effect immediately.

4. Authorisation, Settlement & Funds

4.1 An approved authorisation does not guarantee settlement. Settlement decisions are made solely by the Merchant’s Acquirer.

4.2 NOIRE is not responsible for:

• • settlement delays

• • withheld funds

• • reserve requirements

• • rejected payments

• • Acquirer or scheme decisions

4.3 The Merchant must reconcile its own settlement and notify NOIRE of discrepancies.

5. Security, PCI-DSS & Data Protection

5.1 NOIRE maintains PCI-DSS compliance for all systems under NOIRE’s control.

5.2 The Merchant must maintain PCI-DSS compliance for:

• • its website

• • systems handling Transaction data

• • the storage and transmission of any card information

5.3 The Merchant must immediately notify NOIRE of any security breach.

5.4 Personal data will be processed according to NOIRE’s Privacy Policy.

5.5 For Transaction data, the Acquirer and card schemes act as data controllers; NOIRE acts as a processor for gateway transmission.

6. Service Availability and Support

6.1 NOIRE uses reasonable skill and care to provide secure, reliable, industry-standard services.

6.2 The Service is provided on an “as is” and “as available” basis.

6.3 NOIRE does not warrant:

• • uninterrupted service

• • error-free processing

• • protection against fraud

• • prevention of Chargebacks

• • that the Service will meet the Merchant’s specific requirements

6.4 NOIRE may modify the Service due to technical, regulatory, or scheme requirements.

7. Integration and Testing

7.1 The Merchant is responsible for:

• • integration with NOIRE’s systems

• • following NOIRE’s integration documentation

• • testing before going live

• • updating integration when NOIRE provides changes

7.2 NOIRE may offer guidance, but integration responsibility remains with the Merchant.

7.3 NOIRE is not liable for losses caused by:

• • failed integrations

• • incorrect API usage

• • website defects

• • Merchant developer errors

8. Liability

8.1 NOIRE does not accept liability for:

• • loss of profits

• • loss of revenue

• • loss of business or opportunity

• • loss or corruption of data

• • goodwill damage

• • integration costs

• • operational downtime

• • fraud losses

• • Chargebacks

• • Acquirer decisions

• • scheme penalties

• • indirect or consequential losses

8.2 NOIRE’s total aggregate liability is limited to the total fees paid by the Merchant in the previous 3 months.

8.3 Nothing excludes liability for fraud or for matters that cannot be excluded by law.

9.1 The agreement begins on the date the Merchant accepts the Terms or the date in the Schedule.

9.2 NOIRE may suspend or terminate immediately if:

• • fees are unpaid

• • the Merchant breaches these Terms

• • the Merchant fails to comply with PCI-DSS

• • the Merchant engages in suspicious, unlawful, or high-risk activity

• • the Acquirer instructs NOIRE to suspend the Merchant

9.3 The Merchant is liable for all fees during the agreed Term.

10. Confidentiality & Intellectual Property

10.1 Both parties must keep confidential any non-public information.

10.2 All software, documentation, branding, and intellectual property remain the sole property of NOIRE.

10.3 The Merchant may use NOIRE’s branding only according to NOIRE’s branding guidelines.

11. Changes to These Terms

NOIRE may update these Terms by email or website notice.
Continued use of the Service constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by English law.
All disputes are subject to the exclusive jurisdiction of the English courts.