Privacy Policy

1. Introduction and Overview

1.1 Welcome to Finage Ltd. Welcome to Finage Ltd. ("Finage," "we," "us," or "our"). This Privacy Policy is designed to help you understand how we collect, use, process, and safeguard your information when you access our websites, applications, and services (collectively, the "Services"). Our commitment to your privacy is paramount, and we aim to be transparent about our data practices.

1.2 Scope and Consent By accessing or using our Services, interacting with us, or entering into agreements for our products or services, you agree to the terms and conditions of this Privacy Policy. You consent to the collection, use, disclosure, and processing of your information as described in this document. If you do not agree with our policies and practices, you should not use our Services.

1.3 Changes and Updates to This Privacy Policy The digital landscape and privacy regulations evolve, and so will our Privacy Policy. We reserve the right to make changes to this Privacy Policy at any time, reflecting changes in our business practices, user feedback, or updates in privacy laws and regulations. We will post any changes on our website with a revised "Last Updated" date. Your continued use of our Services after we make changes is deemed an acceptance of those changes, so please check the policy periodically for updates.

1.4 Transparency and User Control Last Updated: 22.03.2024 We believe in empowering you with the knowledge to make informed decisions about your privacy. This Privacy Policy aims to provide clarity about the information we collect, how we use it, and your rights regarding your personal data. We also provide you with tools and contact information to update your preferences, access your information, or ask questions about our privacy practices.

1.5 Contacting Us Your privacy concerns are important to us. If you have any questions about this Privacy Policy or our privacy practices, please do not hesitate to contact us. We've provided our contact details at the end of this policy for your convenience.

Stay Informed: We encourage you to read this Privacy Policy in full to understand our privacy practices fully. Your privacy is our priority, and we are committed to protecting your personal data under applicable laws and regulations.

2. Information We Collect

Finage is dedicated to transparency and empowering you with a clear understanding of the data we collect as you interact with our Services. This section outlines the different types of information we gather and the various means through which we collect data:

2.1 Direct Collection: When you engage with our Services by creating an account, subscribing to our newsletter, purchasing a product, or directly contacting us for support or inquiries, you voluntarily provide us with personal information. This information can include your name, email address, telephone number, postal address, payment details, and any other information you choose to share.

2.2 Indirect Collection via Technology: As you navigate through and interact with our Services, we automatically collect certain data using cookies and similar technologies. This data includes: • Usage Details: Records of your interactions with our Services, such as the pages you visit, the time spent on those pages, search queries, and other activity data. • Device Information: Details about the device you use to access our Services, including IP address, operating system, browser type, device identifiers, and mobile network information. • Location Data: General geographic location derived from your IP address to tailor the Services to your region.

2.3 From Third Parties: We may receive information about you from other sources, including social networks (when you interact with our Services through those networks) and our partners. This information can augment our existing data, helping us better understand your preferences and provide more tailored offerings.

2.4 Cookies and Tracking Technologies: We and our third-party partners may use cookies, web beacons, and other tracking technologies to collect information about your browsing activities and preferences. Our use of these technologies helps us improve the user experience, measure the effectiveness of our advertising campaigns, and personalize the content and ads you see.

2.5 Analytics and Performance Data: We utilize analytics tools and services to gather data on service usage and performance. This data assists us in identifying trends, understanding user behavior, and making informed decisions to enhance our Services.

2.6 Information You Share Socially: Our Services may include social media features, such as the Facebook "Like" button. These features may collect your IP address and which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the company providing the feature. By utilizing our Services, you consent to the collection, use, and sharing of your information as described in this section. We are committed to respecting your privacy and handling your data responsibly.

3. How We Use Your Information

At Finage, the information we collect serves as a cornerstone for providing an enhanced, efficient, and personalized service experience. Here's how we apply the data we gather:

3.1 To Provide and Improve Our Services: We use your information to operate, maintain, enhance, and provide all features of the Services, to provide services and information that you request, to respond to comments and questions, and to provide support to users of our Services. Analyzing how the Services are used allows us to understand our users better and to develop new features and functionalities.

3.2 To Understand Your Needs: Your information helps us tailor the content, features, and advertisements we offer on our Services, making recommendations based on your past activities, preferences, and engagement with the Services.

3.3 For Communication: We may use your email address or other information to contact you for administrative purposes, such as customer service or to send communications, including updates on promotions and events, relating to products and services offered by us and by third parties we work with. Understanding your communication preferences enables us to provide information tailored to your interests.

3.4 For Security Purposes: To ensure the security of our Services, we use your information to detect and prevent fraud, spam, abuse, security incidents, and other suspicious activity. Enhancing the integrity and safety of our services for all users is a top priority.

3.5 Analytics and Performance: By analyzing usage trends and patterns, we can improve the content and features of our Services, making them more effective and user-friendly. This analysis also helps us measure the success of our advertising and marketing campaigns.

3.6 Legal Compliance: We may use your information to comply with applicable laws, lawful requests, and legal processes, such as to respond to subpoenas or requests from government authorities.

3.7 For Personalized Advertising: We partner with third parties to display advertising on our Services and manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on our Services and other sites to provide you advertising based upon your browsing activities and interests. 3.8 Consent: We may use your information for any other purpose for which we receive your consent. This flexibility ensures that we can adapt our services to meet your evolving needs and preferences. In leveraging this information, Finage is committed to adhering to the highest standards of data privacy and protection. Your trust is vital to us, and we strive to use your information responsibly and transparently.

4. Sharing and Disclosure of Information

At Finage, we value your privacy and exercise caution when it comes to sharing your information. Here are the circumstances under which your information might be shared:

4.1 Service Providers and Partners: We engage various third parties to perform services on our behalf. These include hosting and maintenance, error monitoring, debugging, performance monitoring, billing, customer relationship, database storage and management, and direct marketing campaigns. We may share your information with these service providers to enable them to provide their services, but they are obligated by contract to use it only in accordance with our instructions and to keep it secure.

4.2 Compliance with Laws: In certain instances, we may be required to disclose your information to comply with the law, legal processes, or governmental requests. This includes sharing information for security and fraud prevention purposes, where necessary to protect the rights, property, or safety of Finage, our users, or the public as required or permitted by law.

4.3 Business Transfers: In the event that Finage is involved in a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of Finage's assets, financing, acquisition of all or a portion of our business, a similar transaction or proceeding, or steps in contemplation of such activities (e.g., due diligence), some or all personal information may be shared or transferred, subject to standard confidentiality arrangements.

4.4 Aggregated or Anonymized Data: We may share aggregated or anonymized information with others for their own uses, including research, analysis, and marketing. However, this information does not include any personal information and cannot be used to identify you.

4.5 With Your Consent: Apart from the scenarios mentioned above, you will receive notice when personal information about you might be shared with third parties, and you will have an opportunity to choose not to share the information.

4.6 Advertising and Analytics Services Provided by Others: We may allow others to serve advertisements on our behalf across the Internet and to provide analytics services. These entities may use cookies, web beacons, and other technologies to collect information about your use of the Services and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information. This information may be used by Finage and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.

4.7 Legal Protection and Enforcement: We may disclose personal information about you if we believe that disclosing the information is necessary to enforce our agreements, policies, or other terms and conditions, or to protect, enforce, or defend the legal rights, privacy, safety, or property of Finage, its employees, agents, contractors, or users, or to comply with applicable law. Our approach to information sharing is designed with your privacy in mind, ensuring that your data is disclosed only in ways that are consistent with this Privacy Policy.

5. Your Rights and Choices

At Finage, we believe in empowering our users with control over their personal information. Here's how you can exercise your rights and make choices about your data:

5.1 Accessing and Updating Your Information: You have the right to access the personal information we hold about you and to ask for your information to be corrected, updated, or deleted. If you wish to exercise these rights, you can directly access, edit, or delete some of your information through your account settings. For any other requests, please contact our support team.

5.2 Data Portability: In certain jurisdictions, you have the right to receive a copy of the personal information you've provided to us in a structured, commonly used, and machine-readable format. You may also have the right to request that we transmit this information directly to another entity, where technically feasible.

5.3 Withdrawing Consent: For processes that are based on your consent, you have the right to withdraw your consent at any time. Withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal.

5.4 Objecting to and Restricting Processing: You have the right to object to our processing of your personal information under certain conditions. You also have the right to restrict the processing of your information, which means that we can still store your information but cannot use or process it further.

5.5 Marketing Communications: You can opt-out of receiving marketing communications from us at any time. You can do this by clicking on the "unsubscribe" or "opt-out" link in the marketing emails we send you or by adjusting your preferences in your account settings. Please note that, regardless of your marketing communication settings, we will still send you non-marketing messages, such as those about your account or our ongoing business relations.

5.6 Cookies and Similar Technologies: You have the choice to set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of the Services may become inaccessible or not function properly.

5.7 Advertising Choices: Certain third-party advertising networks, including social media platforms, allow users to opt-out of or customize preferences associated with your internet browsing. We support and adhere to the Digital Advertising Alliance’s Self- Regulatory Principles for Online Behavioral Advertising. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit optout.aboutads.info or networkadvertising.org/choices/.

5.8 Your Privacy Rights: Depending on your location, you may have certain rights under data protection laws in relation to your personal data, such as the right to lodge a complaint with a supervisory authority, the right to non-discrimination for exercising your privacy rights, and more. We encourage you to review our Privacy Policy regularly and to reach out to us if you have any questions or concerns about your rights and choices regarding your personal information.

6. International Data Transfers

Finage operates on a global scale. Consequently, your personal information may be transferred to, stored in, or processed in countries other than the one where you reside. These countries may have data protection laws that are different from the laws of your country. Specifically:

6.1 Transfer Mechanisms: To ensure that your personal information receives an adequate level of protection, we implement various data transfer mechanisms recognized by European Union data protection laws for transfers of personal information to countries not deemed to provide an adequate level of protection. These mechanisms include implementing Standard Contractual Clauses approved by the EU Commission, ensuring the recipients are certified under appropriate frameworks such as the Privacy Shield (for transfers to the United States where applicable), or relying on other mechanisms as prescribed by applicable law.

6.2 Safeguards: Regardless of the country where your personal information is processed, we take appropriate and corresponding security measures to protect your personal information. We also ensure that contractual, technical, and organizational measures are in place to ensure that your personal information is treated securely and in accordance with this Privacy Policy.

6.3 Your Rights in Relation to International Transfers: You have the right to inquire about the mechanisms we use for transferring your personal information outside of the European Economic Area (EEA), the UK, or any other region with comprehensive data protection laws. If you wish to obtain information regarding these transfer mechanisms or to obtain a copy of them, please contact us using the details provided in the Contact Us section of this policy. By using our Services, you understand that your personal information may be transferred to our facilities and those third parties with whom we share it, as described in this policy. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

7. Your Rights and Choices

Under various data protection laws, including the General Data Protection Regulation (GDPR) for individuals within the European Union and the United Kingdom, the California Consumer Privacy Act (CCPA) for residents of California, and other applicable laws, you have certain rights regarding the personal information we hold about you. These rights may include:

7.1 Access and Portability: You have the right to access the personal information we hold about you and, in some cases, to have this information provided to you or transmitted to another controller.

7.2 Correction: If you believe that any personal information we hold about you is inaccurate, incomplete, or outdated, you have the right to request that we correct or update such information.

7.3 Deletion: You may have the right to request the deletion of your personal information that we hold, subject to certain exceptions prescribed by law.

7.4 Restriction: You have the right to request that we restrict the processing of your personal information under certain circumstances, such as if you contest the accuracy of the data or if you have objected to our processing.

7.5 Object to Processing: You may have the right to object to our processing of your personal information based on our legitimate interests, including profiling activities, unless we can demonstrate compelling legitimate grounds for the processing.

7.6 Withdraw Consent: Where we rely on your consent for processing your personal information, you have the right to withdraw your consent at any time. This withdrawal will not affect the lawfulness of processing based on consent before its withdrawal.

7.7 Opt-Out Rights: You may have the right to opt-out of certain uses of your personal information, such as the sale of your personal information (CCPA) or direct marketing purposes.

7.8 Non-Discrimination: We will not discriminate against you for exercising any of your rights under applicable data protection laws.

To exercise these rights, please contact us using the contact information provided in the "Contact Us" section of this Privacy Policy. Please note that we may need to verify your identity before processing your request, which may require us to request additional information from you. We will respond to your request within the timeframe prescribed by applicable law.

Additionally, you have the right to lodge a complaint with a supervisory authority competent for your country or region if you believe our processing of your personal information violates applicable data protection laws.

8. Data Security

We implement appropriate technical and organizational measures designed to protect the security of your personal information against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. We continually assess and update these measures to respond to new threats and vulnerabilities.

However, no internet-based service can guarantee complete security. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

9. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.

10. Contact Us

For any questions or concerns regarding this Privacy Policy or our data protection practices, or to exercise your rights, please contact us at: info@finage.co.uk

We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If you believe that we have not been able to assist with your complaint or concern, you may have the right to lodge a complaint with the data protection authority of your country.

By using our Services, you acknowledge that you have read and understood this Privacy Policy.