Last Updated: 14/11/2024

Welcome to the GBS-Malta Payment Page. By using this payment page, you agree to these Terms and Conditions. Please read them carefully as they govern your use of this platform and your interaction with GBS-Malta.

1. Introduction

These Terms and Conditions apply to all users making payments through the GBS-Malta Payment Page. This page facilitates payments for educational services provided by GBS-Malta but does not act as a payment gateway. For transaction-related issues, please contact your payment provider.

2. Scope of Service

The GBS-Malta Payment Page is a middleware service intended to facilitate payment transactions between users and our institution. GBS-Malta is not responsible for processing payments directly; this responsibility lies with the third-party payment gateway. Therefore, GBSMalta is not liable for any payment issues, delays, or losses that may occur during the transaction process.

3. User Responsibilities

• Accurate Information: You are required to provide accurate and complete information when using this payment page. Failure to do so may result in unsuccessful transactions.
• Exact Amount Requirement for Bank Transfers: For payments made via bank transfer, the exact amount specified in your offer letter must be entered. Any deviation from this amount will result in the transaction being denied.
• Compliance with Applicable Laws: By using this platform, you agree to comply with all relevant laws and regulations, including anti-money laundering (AML) requirements, when conducting transactions.
• In case of Bank Transfer: Please pay the exact amount as you will enter on the payment page. Any defer in the amount will lead to cancellation of payment.

4. Data Privacy and Security

• Data Collection: We collect necessary personal information, such as your name, contact information, and payment details, to process your transaction.
• Data Usage: Your personal information is used solely for transaction processing, identity verification, and security enhancements.
• Data Sharing: We may share your data with third-party payment processors to facilitate the transaction. All processors comply with applicable data protection laws and adhere to secure handling standards
• Data Security Compliance: GBS-Malta adheres to the General Data Protection Regulation (GDPR) and takes robust measures, including encryption and secure servers, to protect user data. However, absolute security cannot be guaranteed.

5. Refund and Cancellation Policy

• External Refund Process: Refunds will not be processed or displayed through this payment page. If you are eligible for a refund, please contact the GBS-Malta admission/finance department directly for assistance.
• Transaction Errors:If there are errors in your transaction, please contact our finance department immediately for support.

6. Compliance and Regulatory Information

• GDPR Compliance: GBS-Malta follows the General Data Protection Regulation (GDPR) standards to ensure the privacy and protection of user data. You have the right to access, correct, or request deletion of your personal information by contacting us.
• PCI-DSS Compliance: Transactions processed by third-party payment gateways comply with the Payment Card Industry Data Security Standard (PCI-DSS) to safeguard credit card information.
• AML Compliance: GBS-Malta implements anti-money laundering (AML) protocols as required by law to prevent fraudulent or illegal activity through this payment page.

7. Limitation of Liability

• Payment Processing Disclaimer: GBS-Malta is not liable for any issues, including payment failures, delays, or unauthorized charges, that may arise from using third-party payment gateways. Users should address any transaction discrepancies with their respective payment provider.
• No Responsibility for Transaction Errors: GBS-Malta will not be held responsible for losses or errors resulting from mistakes in data entry or incorrect transaction amounts.

8. Intellectual Property

The GBS-Malta Payment Page and all related content, including logos, text, and design, are the property of GBS-Malta and are protected by intellectual property laws. Unauthorized use of this content is prohibited.

Your Rights

We are committed to ensuring that you have control over your personal data. Below is a summary of the rights you can exercise and how to do so:

• Access:You have the right to request a copy of the personal data we hold about you. To make this request, please contact us at [admissions@gbs.edu.mt] with the subject line "Data Access Request."
• Correction and Updates: If any of your personal data is inaccurate or outdated, you can request a correction or update by contacting us at the same email address. Please include the specific details you wish to update for prompt action.
• Deletion: In certain circumstances, you may request the deletion of your personal data, subject to legal and regulatory obligations.
• Instructions for Exercising Rights: To exercise any of these rights, please email us at [admissions@gbs.edu.mt]. We will process your request within 30 days in accordance with applicable laws.

Data Retention

We retain your personal data only for as long as it is necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Below is an outline of the retention periods for different types of data:

• Transaction Data: Retained for 7 years to comply with legal and financial regulations.
• Contact Information: Retained for 1 year following the completion of a transaction unless required for ongoing support.
• Deletion: In certain circumstances, you may request the deletion of your personal data, subject to legal and regulatory obligations.
• Technical Information: Retained for 10 months to ensure system security and troubleshoot issues.

Any data retained beyond these periods is anonymized or securely deleted. If you require further clarification about data retention or wish to request deletion, please contact us at

9. Amendments to Terms and Conditions

GBS-Malta reserves the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the payment page signifies acceptance of these changes.

10. Contact Information

For questions about transactions, data privacy, or these terms, please contact us at:

Email:admissions@gbs.edu.mt

Privacy Policy for External Links

• Third-Party Processor (Flywire): - Privacy Policy | Flywire
  We may share your information with trusted third-party payment processors, such as Flywire, to facilitate transactions. We have thoroughly reviewed the privacy policies and data protection practices of these processors to ensure they comply with applicable data protection regulations, such as [GDPR/other relevant laws]. These processors are contractually obligated to handle your data securely and only for the purposes agreed upon.
• We may disclose your information if required by law, regulation, or court order, or to protect our rights or comply with a legal obligation.

Compliance Statement

GBS-Malta adheres to GDPR for data protection and privacy, ensuring secure data handling practices and user rights. Through our third-party payment processors, we maintain PCI-DSS compliance to protect credit card information and observe AML protocols for secure and lawful transactions.