(Effective Date: June 25, 2018)
A. ACCEPTANCE OF POLICIES AND UPDATES
“Data Privacy Laws” means data protection laws applicable to QUOINE, including without limitation the Singapore Personal Data Protection Act 2012 and the EU General Data Protection Regulation 2016/679, and their respective successors or implementing texts.
“Personal Data” means any information that directly or indirectly can be used to identify a natural person. Personal Data does not include anonymized and/or aggregated data that does not identify a specific user.
- The Personal Data we collect and how we may use such data;
- How and why we may disclose your Personal Data to third parties;
- The transfer of your Personal Data outside your country of residence;
- Your rights concerning your Personal Data;
- The security measures we use to protect and prevent the loss, misuse, or alteration of Personal Data; and
- QUOINE’s retention of your Personal Data.
In cases where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your Personal Data as described further below. We may provide additional disclosures or additional information about the data collection, use and sharing practices of specific Services. These notices may supplement or clarify QUOINE’s privacy practices or may provide you with additional choices about how QUOINE processes your data.
- Collection of Personal Information
We collect Personal Data to provide you with our Services. You are free to choose whether to provide us with the types of Personal Data requested, but we may not be able to offer you some or all our Services when you do choose not to share certain information with us.
Personal Data we collect may include the following:
Information you provide to us. We collect Personal Data that you provide directly to us through the Websites or by e-mail, phone, or any other medium. This may include:
- Personal identification information, such as your full name, home address, email address, date of birth, age, nationality, gender, signature, and photographs.
- Formal identification information, such as tax identification number, passport number and details, driver’s license details, national identity card details, photograph identification cards, and immigration visa information.
- Account information, such as your username, password, account settings and preferences.
- Financial information, such as bank account numbers, bank statement, virtual currency wallet addresses, trading data, and tax identification.
- Residence verification information, such as utility bill details, bank statements, or similar information.
Information we collect when you use our services. We also automatically collect information about your computer, device and browsing activity when you access the Websites or use Services. This information may include:
- Device Information – Information that is automatically collected about your device, such as the hardware, operating system, and browser used by you.
- Location Information – Information that is automatically collected via analytics systems providers to determine your location, such as your IP address and/or domain name and any external page that referred you to us.
- Log Information – Information that is generated by your use of the Websites and Services that is automatically collected and stored in our server logs, such as device-specific information, location information, system activity and any internal and external information related to Website pages that you visit.
- Account Information – Information that is generated by your account activity, such as trading activity, order activity, deposits, withdrawals, and account balances.
Information we collect from other sources. We may collect Personal Data from third party partners and public sources, which may include:
- Reputational information
- Financial information
- Business activities of corporate users
- How We Use Your Personal Information
We only use your Personal Data if we have a proper reason for doing so. Unless we receive permission from you, we will not use your Personal Data for purposes other than those set forth below.
Legal Obligations. We process certain information to comply with our legal obligations:
- To maintain legal and regulatory compliance: We are required by law to collect and use your Personal Data in connection with certain of our core Services. For example, we must identify and verify users to comply with anti-money laundering and countering the financing of terrorism laws in various jurisdictions. For this purpose, we use third parties to verify your identity by comparing the Personal Data you provided against third-party databases and public records. If you do not provide this Personal Data, you will not be allowed to use our Services.
- To ensure network and information security: We process your Personal Data to enhance security, monitor and verify identity or service access, combat spam or other malware or security risks and to comply with applicable security laws and regulations. The threat landscape on the internet is constantly evolving, which makes it more important than ever that we have accurate and up-to-date information about your use of our Services. Without processing your Personal Data, we may not be able to ensure the security of our Services.
Contractual Obligations. We process certain information to be able to perform our obligations under our contract with you:
- To provide the Services: We process your Personal Data to provide the Services to you, including to open an account and to process your transactions. We cannot provide you with Services without such information.
- To provide communications: We send administrative or account-related information to you to keep you updated about our Services, inform you of relevant security issues or updates, or provide other transaction-related information. Without such communications, you may not be aware of important developments relating to your account that may affect how you can use our Services.
- To provide customer service: We process your Personal Data to resolve user questions or disputes, to collect fees, or to troubleshoot problems. Without processing your Personal Data for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.
- To ensure quality control: We process your Personal Data for quality control and staff training to make sure we continue to provide you with accurate information. If we do not process Personal Data for quality control purposes, you may experience issues on the Services such as inaccurate transaction records or other interruptions.
Legitimate interests. We process certain information based on our legitimate business interests in connection with our provision of the Services to you:
- For research and development purposes: We process your Personal Data to better understand the way you use and interact with the Services. In addition, we use such information to customize, measure, and improve the Services and the content and layout of the Websites and applications, and to develop new services. Without such processing, we cannot ensure your continued enjoyment of our Services.
- To enhance your website experience: We process your Personal Data to provide a personalized experience and to implement the preferences you request. Without such processing, we may not be able to ensure your continued enjoyment of part or all of our Services.
- To facilitate corporate acquisitions, mergers, or transactions: We may process any information regarding your account and use of our Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions. You have the option of closing your account if you do not wish to have your Personal Data processed for such purposes.
- To engage in marketing activities: Based on your communication preferences, we may send you marketing communications to inform you about our events or our partner events, to deliver targeted marketing, and to provide you with promotional offers based on your communication preferences. We use information about your usage of our Services and your contact information to provide marketing communications. We may also share Personal Data with third parties to help us with our marketing and promotional projects or sending marketing communications. For example, we may participate in Facebook’s Custom Audience and Google’s Customer Match programs, in which we may provide certain Personal Data to Facebook and Google for the purpose of delivering targeted advertisements to other internet users. You can opt-out of our marketing activities at any time by contacting us at the following email address: firstname.lastname@example.org.
- Automated Decision Making
We may make automated decisions on certain matters, such as to fulfill our obligations imposed by law (such as to verify your identity), to detect fraudulent or prohibited activities, or to determine whether you are eligible for certain of our Services. If you disagree with the decision you are entitled to contest this by contacting us at following email address: email@example.com
- Disclosures to Third Parties
We take care to allow your Personal Data to be accessed only by those who need to perform their tasks and duties, and to share your Personal Data only with third parties who have a legitimate purpose for accessing it. Except in the following circumstances, we will not sell, exchange, or share your Personal Data without your consent:
- We may share your Personal Data with third party identity verification services to prevent fraud and to fulfill our obligations under anti-money laundering and countering the financing of terrorism laws and regulations. This allows QUOINE to confirm your identity by comparing the Personal Data you provide us to public records and other third-party databases.
- We may share your Personal Data with service providers under contract who provide professional services (such as legal and accounting advisors) or help with parts of our business operations (such as marketing, payment and technology services). Our contracts will require these service providers to use your Personal Data only in connection with the services they perform for us and prohibit them from selling your Personal Data to anyone else.
- We may share your Personal Data with financial institutions with which we partner to process payments you have authorized.
- We may share your information with companies or other entities that purchase QUOINE’s assets pursuant to a court-approved sale under applicable bankruptcy laws or where we are required to share your information pursuant to applicable insolvency laws.
- Consent to International Transfers of Personal Data
We transfer Personal Data to service providers that process data in Ireland and Japan for the specific purposes of performing identity verification and other screening, to enable us to prevent fraud and to comply with our know-your-customer obligations under anti-money laundering and countering the financing of terrorism laws and regulations.
We transfer Personal Data to service providers located in the United States for the specific purposes of delivering emails and targeted marketing. When we send emails, Personal Data may pass through our service provider’s data centers in Japan, India, and/or the United Kingdom for geo-forwarding to the United States.
You may revoke your consent to this section at any time by contacting us at firstname.lastname@example.org.
- Your Rights
You have certain rights concerning your Personal Data under Data Privacy Laws, which you can exercise by contacting us at email@example.com. These rights include:
- Access: You have the right to request that we provide you a copy of your Personal Data held by us. In accordance with applicable Data Privacy Laws, we may request that you specify the information or processing activities to which your request relates before we provide you with a copy of your Personal Data.
- Correction: You have the right to request that any incomplete or inaccurate Personal Data we hold about you is corrected.
- Erasure: You have the right to ask us to delete or remove Personal Data in certain circumstances. There are also certain exceptions where we may refuse a request for erasure, such as in cases where the Personal Data is required for compliance with law or in connection with pending legal claims.
- Restriction: You have the right to ask us to suspend the processing of certain of your Personal Data about you if (a) you dispute the accuracy of the Personal Data and wish for us to verify the accuracy, (b) your Personal Data has been unlawfully processed, (c) we no longer need the Personal Data, but you need us to retain such Personal Data to establish, exercise or defend a legal claim, or (d) you have objected to our processing your Personal Data, pending the verification of whether our legitimate grounds for processing the Personal Data override your rights.
- Data Portability: You may obtain or request the transfer of certain of your Personal Data to another party if both (a) our lawful basis for processing the Personal Data was based on either your consent or our performance of our obligations under our contract with you, and (b) the processing was carried out by automated means.
- Objection: If we are processing your Personal Data on the basis of our legitimate interests for doing so, you have the right to provide specific reasons why you object to such processing. You also have the right to object where we are processing your Personal Data for direct marketing purposes.
- Automated Decisions: You may contest any automated decision made about you where this has a legal or similar significant effect and ask for it to be reconsidered.
- Right to Submit a Complaint: If you believe that we have infringed your rights, we encourage you to contact us first at firstname.lastname@example.org so that we can try to resolve the issue or dispute informally. You can also submit a complaint about our processing of your Personal Data to the relevant data protection authority. You can submit a complaint in the country where you live or work or in the place where the alleged breach of the applicable Data Privacy Laws has taken place.
- Security of Personal Data
We use a variety of security measures to ensure the confidentiality of your Personal Data and to protect your Personal Data from loss, theft, unauthorized access, misuse, alteration or destruction. For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to Personal Data only for those employees who require it to fulfill their job responsibilities.
However, we cannot guarantee that loss, theft, unauthorized access, misuse, alteration or destruction of your Personal Data will not occur. Please take adequate measures to protection your Personal Data. When registering to use our Services, it is important to choose a password of sufficient length and complexity and to keep this password a secret. Please notify us immediately if you become aware of any unauthorized access to or use of your account.
- Retention of Personal Data
- how long you have had an Account;
- whether there are contractual or legal obligations that exist that require us to retain the data for a certain period of time;
- whether there is any ongoing legal or financial claim that relates to your relationship with us;
- whether any applicable law, statute, or regulation allows for a specific retention period; and
- what the expectation for retention was at the time the data was provided to us.
Except where prohibited by law, this period may extend beyond the end of your relationship with for so long as is necessary for audit or other accounting or regulatory purposes. When Personal Data are no longer needed we have procedures either to destroy, delete, erase or convert it to an anonymous form.
After you have terminated your use of our Services, we reserve the right to maintain your Personal Data as part of our standard back up procedures in an aggregated format.
- Children’s Personal Information
We do not knowingly request to collect Personal Data from any person under the age of 18. If a user submitting Personal Data is suspected of being younger than 18 years of age, we will require the user to close his or her account. We will also take steps to delete the Personal Data as soon as possible. Please notify us if you know of any individuals under the age of 18 using our Services so we can act to prevent access to our Services.
D. COOKIES POLICY
- Description of Cookies
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used to allow websites to work properly or more efficiently, as well as to provide information to the owners of the website.
There are two general categories of cookies. “First-party cookies” cookies are set directly by us. “Third-party cookies” are set by a third party, and that third party can recognize your computer both when it visits the Websites and when it visits certain other websites and/or mobile apps.
Cookies can remain on your computer or mobile device for different periods of time. Some cookies are “session cookies”, which exist only while your browser is open and expire once you close your browser. Other cookies are “persistent cookies”, which survive after your browser is closed. They can be used by websites to recognize your computer when you open your browser and browse the internet again.
When you access our Services, we or companies we work with may place cookies on your computer or other device. These technologies help us better understand user behavior and inform us about which parts of the Websites people have visited.
- track traffic flow and patterns of travel in connection with the Websites;
- understand the total number of visitors to the Websites on an ongoing basis and the types of internet browsers (e.g. Firefox, Chrome or Internet Explorer) and operating systems (e.g. Windows or Mac OS) used by our visitors;
- monitor the performance of the Websites and to continually improve them;
- customize and enhance your online experience; and
- enable us and third-party to advertise both on and off the Websites.
- Types of Cookies We Use
We use the following types of cookies:
- Strictly Necessary Cookies: These cookies are necessary because they enable you to move around our Websites and use certain features on our Services. For example, strictly necessary cookies allow you to access secure areas. Without these cookies, some Services cannot be provided.
- Functionality Cookies: These cookies allow us to remember the choices you make and to tailor our Services so we can provide relevant content to you. For example, a functionality cookie can remember your preferences (e.g., country or language selection), or your username.
- Performance/Analytics Cookies: These cookies collect information about how you use a website. For example, a performance/analytics cookie will collect information about which pages you go to most often, how much time you spend on that page, or if you get error messages from certain pages. These cookies do not gather information that identifies you. The information these cookies collect is anonymous and is only used to improve how our Services work.
- Advertising and Tracking Cookies: Our Websites may feature advertising. We may allow third party companies, including advertising companies, to place cookies on our Websites. These cookies enable such companies to track your activity across various sites where they display ads and record your activities so they can show ads that they consider relevant to you as you browse the Internet. These cookies also allow us and third parties to know whether you have seen an ad or a type of ad, and how long it has been since you last saw it. This information may be used for frequency capping purposes, to help tailor the ads you see, and to measure the effectiveness of ads. These cookies are anonymous – they store information about the content you are browsing, but not about who you are.
- Other Similar Technologies We Use
In addition to cookies, we may use other similar technologies such as web beacons to track users of our Services. Web beacons, or “clear gifs”, are tiny graphics with a unique identifier, similar in function to cookies. They are used to track the online movements of web users.
- Avoiding and Disabling Cookies
- Our Cookies. Most browsers allow you to change your cookie settings. These settings will typically be found in the “options” or “preferences” menu of your browser.
- Do Not Track. Some Internet browsers – like Chrome, Internet Explorer, Firefox, and Safari – include the ability to transmit "Do Not Track" or "DNT" signals. Since uniform standards for "DNT" signals have not been adopted, our Websites do not currently process or respond to "DNT" signals.
- Advertising Cookies. To opt-out of third-party advertising networks and similar entities that use targeting/advertising cookies, go to http://www.aboutads.info/choices. Once you click the link, you may choose to opt-out of such advertising from all participating advertising companies or only advertising provided by specific advertising entities. For more information about third-party advertising networks and similar entities that use these technologies, please see http://www.aboutads.info/consumers.
E. CONTACT US