{"id":3248,"date":"2020-01-30T17:48:55","date_gmt":"2020-01-30T16:48:55","guid":{"rendered":"https:\/\/financer.global\/?page_id=3248"},"modified":"2024-01-05T19:51:46","modified_gmt":"2024-01-05T16:51:46","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/financer.global\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"<div class=\"gt_backend\" style=\"display:none;\">Google Translate Widget<\/div>\t<div id=\"google_translate_element\"><\/div>\n\t<script type=\"text\/javascript\">\n\t\tfunction googleTranslateElementInit() {\n\t\t\tnew google.translate.TranslateElement({pageLanguage: 'en', autoDisplay: false}, 'google_translate_element');\n\t\t}\n\t<\/script>\n\t<script type=\"text\/javascript\" src=\"\/\/translate.google.com\/translate_a\/element.js?cb=googleTranslateElementInit\"><\/script>\n\n<p>This Privacy Policy was last updated on\u00a0<strong>October 21st, 2022<\/strong>. <strong>Please make sure to familiarize yourself with the new revision of this Privacy Policy, as your continued use of our Services shall be considered as unconditional consent<\/strong> <strong>to the terms and conditions provided herein.<\/strong><\/p>\n<h2 id=\"I_Introduction__Definitions\"><strong>I. Introduction &amp; Definitions<\/strong><\/h2>\n<p>This Privacy Policy, together with our\u00a0<a href=\"https:\/\/financer.global\/terms-and-conditions\/\"><strong>Terms &amp; Conditions<\/strong><\/a>\u00a0document set forth the general Terms and Conditions (also mentioned as \u201cTerms\u201d) that apply to your access and use of all Financer.com Limited\u2019s products and Services (together, the \u201cFinancer.com Services\u201d or \u201cServices\u201d), that are made available through our Sites including but not limited to all content and Services provided in the domain Financer.com, as well as through certain mobile applications or platforms that are authorized by Financer.com for providing our Services (together, the \u201cSite\u201d). \u201cFinancer.com\u201d includes Financer.com Limited, and its officers, directors, employees, consultants, affiliates, subsidiaries, and agents.<\/p>\n<p>By using or accessing the Financer.com Services you agree to these Terms, according to their latest updated version.<\/p>\n<p>This privacy policy will help you understand how we collect, use and protect your personal data. You should also show this notice to anyone else who may be named or have personal data included in any quote, product or Service offered through us.<\/p>\n<p>The language of the entire Terms documents, including the Privacy Policy is English. Where Financer.com has provided a translation of the English version of any part of the Terms, you agree that the translation is provided for your convenience only and that the English language version of the Terms will govern your relationship with us and the services that we provide to you. If there are any discrepancies between the English language version of the Terms and its translation, then the English language version shall prevail.<\/p>\n<p>You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined below. When providing personal data about others, you confirm that you have the consent of these individuals to supply their personal data. We are unable to offer you any product or Service that requires the processing of special category personal data, as defined in the General Data Protection Regulation (GDPR) unless you provide explicit consent for the collection and use of such data.<\/p>\n<p>\u201cwe\u201d, \u201cus\u201d, \u201cour\u201d, \u201cFinancer\u201d refers to Financer.com, a trading name of Financer.com Limited, a company registered in Malta, with the headquarters located at 19 St Mark Street, Valletta, VLT1362, Malta.<\/p>\n<p>\u201cyou\u201d and \u201cyour\u201d means the person who accesses and uses our Site.<\/p>\n<h2 id=\"I_Information_we_collect\"><strong>I. Information we collect<\/strong><\/h2>\n<h3 id=\"Information_we_may_collect_directly_from_you\"><strong>Information we may collect directly from you<\/strong><\/h3>\n<p>We may collect information directly from you when you use our Services \u2014 for example, when you register an account, when you request information for a financial product, when you request to contact us, when you link your third-party account to our Service, when you use interaction points such as sliders, calculators, text boxes, surveys, forms or other fields on our Site, when you take part in contests we hold. In such cases, we may ask you to provide us with one or more of the following pieces of information:<\/p>\n<ul>\n<li>Name<\/li>\n<li>Email address<\/li>\n<li>Mailing address<\/li>\n<li>Phone number<\/li>\n<li>Date of birth<\/li>\n<li>Third-party account information<\/li>\n<li>Age, gender, or other demographic information<\/li>\n<li>Personal responses, emails, replies, reviews, or other User Generated Content (UGC)<\/li>\n<li>Responses, social media account data, or other user actions or information as collected on our giveaways, via the gleam.io platform. You can view the <a href=\"https:\/\/gleam.io\/privacy\"><strong>gleam.o privacy policy here<\/strong><\/a>.<\/li>\n<li>Responses, self-reported data, or other data as collected on our surveys via the typeform.com platform. You can view the\u00a0<a href=\"https:\/\/admin.typeform.com\/to\/dwk6gt\"><strong>typeform.com privacy policy here<\/strong><\/a>.<\/li>\n<li>Email data, self-reported data, or other data as collected on our email marketing campaigns via the Sendinblue Inc service. You can view the\u00a0<a href=\"https:\/\/www.sendinblue.com\/legal\/privacypolicy\/\"><strong>Sendinblue privacy policy here<\/strong>.<\/a><\/li>\n<li>Voice recording or other data as recorded on your phone calls to us, via the phone.com platform. You can view the\u00a0<a href=\"https:\/\/www.phone.com\/privacy-policy\/\"><strong>phone.com privacy policy here<\/strong><\/a>.<\/li>\n<li>User session and interaction data, as collected by user analytics tracking services such as Google Analytics, \u00a0reCAPTCHA\u00a0 &amp; We Can Track B.V.. You can view\u00a0<a href=\"https:\/\/policies.google.com\/privacy\"><strong>Google\u2019s privacy policy<\/strong><\/a>, and\u00a0<a href=\"https:\/\/wecantrack.com\/privacy-policy\/\"><strong>We Can Track B.V.\u2019s privacy policy<\/strong><\/a>and\u00a0<a href=\"https:\/\/wecantrack.com\/dpa\/\"><strong>Data Processing Agreement<\/strong><\/a>.<\/li>\n<\/ul>\n<h4><strong>When this data is collected<\/strong><\/h4>\n<p>We may collect your personal data when:<\/p>\n<ul>\n<li>You insert any data on our user interface, such as by filling our interactive sliders, pop-ups, search bars, forms, calculators and other points of interaction<\/li>\n<li>You request loan results or a quote for any Service available through our Site<\/li>\n<li>You make a purchase from a third-party provider following a loan result, or a quote using our Service<\/li>\n<li>You make customer enquiries via email, telephone, SMS, or other means of communication<\/li>\n<li>You register for information or other Services<\/li>\n<li>You respond to communications or surveys<\/li>\n<li>You participate in our giveaways or other contests<\/li>\n<li>We require additional information from you for validation purposes<\/li>\n<li>When you create any User Generated Data on our site, including but not limited to giving ratings, writing reviews, comments and in general engaging in any activity on our Forum.<\/li>\n<\/ul>\n<h3 id=\"Information_automatically_collected\"><strong>Information automatically collected<\/strong><\/h3>\n<h4><strong>Types of Information Collected<\/strong><\/h4>\n<p>When you visit the Site, use the Services, or open an email from Financer.com, we may automatically receive and record certain information from your computer, web browser and\/or mobile device, including without limitation:<\/p>\n<ul>\n<li>IP address or other device address or ID.<\/li>\n<li>Web browser and\/or device type.<\/li>\n<li>Geolocation data, including if you use the Site on a mobile device.<\/li>\n<li>Hardware and software settings and configurations.<\/li>\n<li>Web pages or sites that you visit just before or just after visiting the Site.<\/li>\n<li>Pages you view on the Site.<\/li>\n<li>Your actions on the Site.<\/li>\n<li>Dates and times that you visit, access, or use the Services.<\/li>\n<\/ul>\n<h4><strong>Cookie Information<\/strong><\/h4>\n<h5><strong>General Cookies description<\/strong><\/h5>\n<p>When you use the Services, we may send one or more cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent cookies can be removed. Please review your web browser \u201cHelp\u201d file to learn the proper way to modify your cookie settings. If you delete or choose not to accept cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.<\/p>\n<p>Typically, they only contain two pieces of information; a site name and a unique user I.D.<\/p>\n<h5><strong>How does Financer.com use cookies?<\/strong><\/h5>\n<p>We use cookies to keep your user preferences and actions, in order to assist and optimize your overall experience of using our Site. These are known as\u00a0<strong>essential cookies<\/strong>. Those cookies include actions such as creating or using your account on our site, writing reviews, interacting with existing reviews by giving likes or replies, writing other user content on the site, setting up custom search or filter preferences, accepting and saving user preferences (including privacy preferences), or any other action which affects the way you experience the Site. Those cookies are important to give you the best possible user experience.<\/p>\n<p>We also use non-essential cookies, (also mentioned as \u201c<strong>additional cookies<\/strong>\u201d) \u2013\u00a0 that help us to improve our online marketing and advertising efforts, and to further optimize your user experience on our Site. These cookies allow us to track your user actions and associate them with anonymous user data, with the assistance of 3rd parties and services such as Google Ads,\u00a0 Google Adsence, Google Analytics, DoubleClick, Bing Ads, Gleam, Typeform, RedTrack, WeCanTrack, Google Tag Manager, Yahoo, Facebook, YouTube etc. We can use those data to optimize and even customize the service that we provide to you, and provide you with more relevant results and services. We may also use those data to find people with similar interests and actions to you, also known as lookalike audiences. We may also use those data to enhance our business operations, offerings, and profitability. To see a more detailed list of the use of your data please refer to section\u00a0<a href=\"https:\/\/financer.global\/privacy-policy\/#IIHowWeUseYourInformation\"><strong>II. How We Use Your Information<\/strong><\/a><\/p>\n<p>Most additional cookies can be disabled using the cookie consent settings banners. However, all cookies can be disabled using the information given in the section below titled \u201cHow do I manage my cookies\u201d. It should be noted that if you choose to remove or disable all cookies, this may harm the way the website is intended to operate and result in reduced or inaccurate functionality.<\/p>\n<h5><strong>Types of cookies we may use<\/strong><\/h5>\n<p>This a list of cookies that our site may use, but not limited to<\/p>\n<h6><strong>User action cookies<\/strong><\/h6>\n<p>Allows our web servers to respond to your actions on the Site e.g. logging in, writing reviews, liking reviews, writing replies, entering user preferences on search bars or loan sliders or any other interactive interface available on our site, etc<\/p>\n<h6><strong>Remember-me cookies<\/strong><\/h6>\n<p>Allows us to remember your preferences e.g. saving you the trouble of typing in your user information every time. This includes your cookie settings preferences.<\/p>\n<h6><strong>Custom tags\/cookies<\/strong><\/h6>\n<p>Allow us to track your actions in our Site and pass on information on inbound and outbound links and other 3<sup>rd<\/sup>\u00a0parties you may visit and interact with. They also allow us to track your user-generated data actions. Those cookies usually include GTM(Google Tag Manager) tags, loan tags, URL tags, attribution tags, or UGC related tags.<\/p>\n<h6><strong>Interaction and Conversion cookies<\/strong><\/h6>\n<p>Allow us to assign anonymous IDs to get data on the click or conversion values or actions that occurred on our Site and communicate such data with 3rd party user interaction and conversion tracking services, such as Google Analytics, \u00a0reCAPTCHA, and We Can Track B.V. You can view\u00a0<a href=\"https:\/\/policies.google.com\/privacy\"><strong>Google\u2019s privacy policy<\/strong><\/a>, and\u00a0<a href=\"https:\/\/wecantrack.com\/privacy-policy\/\"><strong>We Can Track B.V.\u2019s privacy policy<\/strong><\/a>\u00a0and\u00a0<a href=\"https:\/\/wecantrack.com\/dpa\/\"><strong>Data Processing Agreement<\/strong><\/a>.<\/p>\n<h6><strong>Google Analytics<\/strong><\/h6>\n<p>Allows us to collect anonymous information about how visitors use our Site including what devices they use. It also gives access to anonymous third-party audience data, including gender, age group and interests. You can read about\u00a0<a href=\"https:\/\/policies.google.com\/privacy?hl=en\"><strong>Google\u2019s Privacy Policy here.<\/strong><\/a><\/p>\n<h6><strong>Google reCAPTCHA and Cloudflare<\/strong><\/h6>\n<p>Allows us to collect anonymous information about how visitors use and interact with the site, to determine the authenticity of the user\u2019s actions, and prevent the potential use of the Service from potentially malicious automated functions and unauthorized bots.\u00a0 The primary services we use to determine a legitimate use of our Service are Google reCAPTCHA and Cloudflare. You can read about\u00a0<a href=\"https:\/\/policies.google.com\/privacy?hl=en\"><strong>Google\u2019s Privacy Policy here,\u00a0<\/strong><\/a>and\u00a0<a href=\"https:\/\/www.cloudflare.com\/privacypolicy\/\"><strong>Cloudflare\u2019s Privacy Policy here.<\/strong><\/a><\/p>\n<h6><strong>Other marketing cookies<\/strong><\/h6>\n<p>Third-party cookies that show us how you found our Site and which Site you came from, as well as analyse your behavior and actions within our Site. This helps us know how effective our online marketing is. Some may also allow us to create more targeted user audiences based on past user actions or create similar audiences (also known as lookalikes) that are based on current user behaviors and demographics to allow us to reach more potential users and customers. \u00a0They also allow us to reward some external sites for directing you to us. Those third parties may include Google Ads,\u00a0 Google AdSense, Google Analytics, DoubleClick, Bing Ads, WeCanTrack, Gleam, Yahoo, Facebook, YouTube, CafeMedia, or others.<\/p>\n<h5><strong>How do I manage my cookies?<\/strong><\/h5>\n<p>You have the option to customize your cookie settings on Financer.com when you first enter our site, through the appropriate cookie consent banner.<\/p>\n<p>Once, you select your cookie settings, those are saved for future use which is typically kept for 365 days. However, if you wish to do additional changes to your cookies you may change them at any point by using\u00a0<a href=\"https:\/\/financer.global\/#gdpr_cookie_modal\"><strong>this cookie settings link.<\/strong><\/a><\/p>\n<p>By using the cookie settings screen may remove most cookies which are loading on the \u201cother cookies\u201d category, but you don\u2019t have access to remove the essential cookies which are important for your user experience when using our site.<\/p>\n<p>If you still want to remove even the essential cookies then you may follow the directions below:<\/p>\n<p>Most browsers let you manage and block cookies from specific sites. You also have the option of only blocking third-party cookies, which still lets you get the best experience when using Financer.com. You can find out how to manage your browser\u00a0<a href=\"http:\/\/www.aboutcookies.org.uk\/managing-cookies\"><strong>cookie settings here.<\/strong><\/a><\/p>\n<p>For additional information about how to manage and disable cookies you can visit\u00a0\u00a0<a href=\"https:\/\/www.allaboutcookies.org\/\"><strong>https:\/\/www.allaboutcookies.org\/<\/strong><\/a>. However, please note that by deleting or disabling cookies this could affect the functionality of our Site and you may not be able to access certain areas or features of our site. We do not operate, neither partner with the owner of this website, while only consider it a good collection of data regarding cookies in a user-friendly form. We do not bear any responsibility for any action resulting from your use or non-use of the information posted on this website, as well as for the accuracy or completeness of any information thereto.\u00a0<\/p>\n<p>Also, you can disable specific cookies related to Google &amp; Facebook ads as shown here:<\/p>\n<p><a href=\"https:\/\/adssettings.google.com\/authenticated\"><strong>Google cookies<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/en-gb.facebook.com\/ads\/settings\"><strong>Facebook cookies<\/strong><\/a><\/p>\n<p>Additionally, you can read\u00a0<a href=\"https:\/\/policies.google.com\/privacy?hl=en\"><strong>Google\u2019s privacy policy here.<\/strong><\/a><\/p>\n<p>You may also read\u00a0<a href=\"https:\/\/www.facebook.com\/policy.php\"><strong>Facebook\u2019s policy here<\/strong><\/a>.<\/p>\n<h5><strong>Third-Party Web Beacons and Buttons<\/strong><\/h5>\n<p>We may implement third-party advertising or other content on the Site that may use web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Site. Additionally, we may implement third party buttons (such as Facebook \u201clike\u201d or \u201cshare\u201d buttons) that may allow a third party to collect information about you through their browser cookies, even when you do not interact with the button.<\/p>\n<p>Several different targeting and advertising programs may be used on this Site, including without limitation Google Analytics. We allow third parties, including affiliated and non-affiliated businesses, advertising networks, analytics providers, and other advertising service providers to collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements across your browsers and devices, tailored to your interests and preferences.<\/p>\n<p>This Site is affiliated with CMI Marketing, Inc., d\/b\/a CafeMedia (&#8220;CafeMedia&#8221;) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes.<\/p>\n<p>To learn more about CafeMedia&#8217;s data usage, <a href=\"https:\/\/cafemedia.com\/publisher-advertising-privacy-policy\/\">click here<\/a>.<\/p>\n<p>Information collected through web beacons, buttons, and similar technologies is collected directly by third parties, and we are not responsible for the privacy practices of these third parties. The information collected by these third parties in this manner is subject to that third party\u2019s own privacy policies. Some of these third parties are members of the Network Advertising Initiative and participate in the industry\u2019s opt-out, available at\u00a0<a href=\"http:\/\/optout.aboutads.info\/#!\/\"><strong>http:\/\/optout.aboutads.info\/#!\/<\/strong><\/a>\u00a0or at\u00a0<a href=\"http:\/\/optout.networkadvertising.org\/#!\/\"><strong>http:\/\/optout.networkadvertising.org\/#!\/<\/strong><\/a>.\u00a0<\/p>\n<p>Additionally, you may opt-out of the use of Google Analytics Cookies here:\u00a0<a href=\"https:\/\/tools.google.com\/dlpage\/gaoptout\"><strong>https:\/\/tools.google.com\/dlpage\/gaoptout<\/strong><\/a>.<\/p>\n<p>Due to differences between using sites and apps on mobile devices, you may need to take additional steps to opt-out on both platforms.\u00a0 Many mobile devices allow you to opt-out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device. For more information, please check your mobile settings. You also may uninstall our app using the standard uninstall process available on your mobile device or app marketplace. Please note that your opt-out choice will apply only to the browser and device you are using when you opt-out.<\/p>\n<h5><strong>Information from other sources<\/strong><\/h5>\n<p>We may also obtain information about you from third-party sources, such as our partners or advertisers. We may also, at your direction, receive data from third-party services that provide a mechanism to share information you have provided to the third-party through the use of an application program interface (API), such as Facebook Connect or the Twitter API. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.<\/p>\n<h2 id=\"II_How_We_Use_Your_Information\"><strong>II. How We Use Your Information<\/strong><\/h2>\n<p>Your information is an integral part of our operations, and we use it in a variety of ways in providing the Services and operating our business. We use the information you provide, for example:<\/p>\n<ul>\n<li>To provide you the Services you request and enable third parties to provide additional services to you. This may include marketing services that display advertising content to you, using a variety of media including -but not limited to- the Financer.com website, email, and notifications.<\/li>\n<li>To operate, maintain and improve the Services and create new features and functionality.<\/li>\n<li>To understand and analyse usage trends and preferences of our users across different devices.<\/li>\n<li>For fraud detection and information security.<\/li>\n<li>We may use your e-mail address or other personal information (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, right of privacy or defamation issues related to content you have posted on the Services, and\/or (c) to send you promotional materials, offers, and\/or messages related to the Services and the activities of third parties we work with. Generally, you can opt-out of receiving promotional communications, through links provided in the messages, by updating your account preferences through the Services, or by contacting us directly at\u00a0<a href=\"mailto:team@financer.com.com\"><strong>team@financer.com.<\/strong><\/a><\/li>\n<li>We may use Cookie Information and Automatically Collected Information to: (a) personalize our Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Services; (b) provide customized advertisements, content, and information across your devices; (c) monitor and analyze the effectiveness of Services and third-party marketing activities; (d) monitor aggregate site usage metrics such as the total number of visitors and pages viewed; and (e) track your entries, submissions, and status in any promotions or other activities.<\/li>\n<li>There are certain circumstances where we process your personal data for our legitimate business interests. These can be commercial or societal benefits and for us to process your data, we will always balance our interests against your own to ensure it is fair.<\/li>\n<\/ul>\n<p>The following processes rely on legitimate interest:<\/p>\n<ul>\n<li>Sharing data with our suppliers and Service providers in order to generate a service request of yours<\/li>\n<li>Fraud detection and prevention<\/li>\n<li>Engaging and contacting you throughout the lifecycle of your Financer.com account to ensure you have a good experience as a valued user.<\/li>\n<li>Engaging you and contacting you to remind you of our Service<\/li>\n<li>Internally auditing our processes to maintain our high standards<\/li>\n<li>Providing a summary of our Service<\/li>\n<li>Sharing data with selected third parties in order to add value to our products<\/li>\n<li>We also engage in online advertising, to keep you aware of what we\u2019re up to and to help you see and find our Services.<\/li>\n<\/ul>\n<h2 id=\"III_How_We_Share_Your_Information\"><strong>III. How We Share Your Information<\/strong><\/h2>\n<ul>\n<li>We may disclose your information in connection with providing the Services and the operation of our business. For example, we may share personal information, such as name, email, address, and other identifying information, with third-party service providers to verify your identity in connection with your use of certain aspects of the Services.<\/li>\n<li>We may share information collected directly from you with third-party lending partners or third-party service providers in connection with your use of specific aspects of the Services. Some examples include but are not limited to:\n<ul>\n<li>When you request to learn more information for a product on our Site.<\/li>\n<li>When you request additional or personalized information regarding our Service<\/li>\n<li>When you report a complaint about a product, or a third-party lending partner featured on our Site we may forward your complaint to that lending partner.<\/li>\n<li>When you request answers or advice through our Services, Financer.com may provide certain of your information to third party companies, advocates, and advisors.<\/li>\n<\/ul>\n<\/li>\n<li>We may share automatically collected information such as IP address as well as de-identified information with third-party lending partners when you leave our Site (for example, from a review collection page) to go to a third-party lender site to request information or apply for financial products.<\/li>\n<li>We may share your information with third-party service providers to support our internal and business operations. In such cases, service providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure. For example:\n<ul>\n<li>For Site or application development, hosting, data storage, maintenance, and other services for us.<\/li>\n<li>For internal marketing, delivery of emails, including promotional, marketing, and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.<\/li>\n<li>For fraud prevention and security purposes.<\/li>\n<\/ul>\n<\/li>\n<li>When you choose to share your own information on a publicly accessible area of the Site, such as a public profile page or any section where you can publicly submit questions to us or our third-party partners, that information will be available to anyone who is able to access that content, including other Site users. Additionally, questions you submit, and answers provided by third parties may be posted on our Site and viewable by other users and the public.<\/li>\n<li>We may share de-identified and\/or aggregate analytics with third-party partners about how users interact with our Services, including usage patterns for certain programs, content, Services, advertisements, promotions, and\/or functionality available through the Service.<\/li>\n<li>We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.<\/li>\n<li>By submitting a request through our Services, you consent to the disclosure of your information to third parties in order for us to carry out your request. The collection and use of your information by third parties is subject to each third party\u2019s specific privacy policy and terms of use. Financer.com Ltd has no control over the means by which third parties further use or disclose your information.<\/li>\n<li>If you submit a request through our Services, a third-party service provider may directly contact you with relevant information via telephone, fax, and\/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do Not Call Registry or any other similar registry.<\/li>\n<\/ul>\n<p>Do not submit a request for information or Services if you do not want your personal information shared as described above. Once you have submitted a request through the Services and we have shared your information as described above, the terms of the third party\u2019s privacy policy will apply to that party\u2019s use of your information.<\/p>\n<p>You may, of course, decline to share certain information with us, in which case we may not be able to provide you with some of the features and functionality of the Services.<\/p>\n<h2 id=\"IV_Account_information__Data_Rights\"><strong>IV. Account information &amp; Data Rights<\/strong><\/h2>\n<p>You have the following rights when it comes to your account information or the data that is related to your use of the Service:<\/p>\n<h3 id=\"Updating_your_information\"><strong>Updating your information<\/strong><\/h3>\n<p>Once you have registered for a Financer.com account, you may update or correct your profile information and preferences at any time by accessing your account settings page\u00a0through the Site. To do that, once you register your account you have to enter the WordPress user view mode, and then click on the Account Settings section.<\/p>\n<h3 id=\"Deactivating_your_account\"><strong>Deactivating your account<\/strong><\/h3>\n<p>We do not delete information about you upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving prevention of fraud and abuse, and analytics.\u00a0 Upon deactivation, you will no longer receive emails from Financer.com and links to third-party accounts, and Services can automatically terminate.<\/p>\n<h3 id=\"Unsubscribing_from_emails\"><strong>Unsubscribing from emails<\/strong><\/h3>\n<p>If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (except for emails related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions through the Services) by using the unsubscribe process at the bottom of any marketing email from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics. If you wish to be excluded from all other user databases as well wherever possible, please inform us at\u00a0team@financer.com<\/p>\n<h3 id=\"Request_your_data\"><strong>Request your data<\/strong><\/h3>\n<p>In\u00a0order to access the data, we hold about you, you need to make a \u2018Subject Access Request\u2019, or SAR. To make a SAR please email us at: team@financer.com<\/p>\n<p>Please provide:<\/p>\n<ol>\n<li>Your full name, physical address, email address, phone number<\/li>\n<li>Latest utility bill on your name verifying your physical address and phone number<\/li>\n<li>What information you would like to receive<\/li>\n<\/ol>\n<p>Once we have received your written request and documents, we will have 30 calendar days to fulfill your request.\u00a0 Where for some reason this will not be possible, for instance, due to large volumes of data being involved, we are permitted by law to take up to an additional 60 days to fulfill your request. Where any such delay is anticipated we will inform you of this as soon as possible along with details of when we expect to be able to provide you with the requested documentation.<\/p>\n<h3 id=\"Retention_of_your_data\"><strong>Retention of your data<\/strong><\/h3>\n<p>Your personal data will be kept for as long as we require it in order to provide you with the agreed product(s) or Service(s), It will continue to be retained after any account or Service has been closed or otherwise come to an end in line with legal and regulatory requirements.<\/p>\n<p>There are specific more sensitive data that Financer.com deletes in more regular periods, such as voice messages emails, which should be deleted 2 years after they were first received.<\/p>\n<p>Cookie data has varying retentions times, depending on the settings provided by our 3rd party partners. In most cases, such as with session data provided by Google Analytics and We Can Track B.V., cookie should not last more than 4 hours, unless if required for the continuation of the operation of the Service during extented user sessions.<\/p>\n<h3 id=\"Other_data_rights\"><strong>Other data rights<\/strong><\/h3>\n<p>Your\u00a0other rights as a data subject, where applicable, include:<\/p>\n<ul>\n<li>The right to be informed about our processing of your personal data<\/li>\n<li>The right to have your personal data corrected if it is inaccurate, and to have incomplete personal data completed<\/li>\n<li>The right to object to the processing of your personal data<\/li>\n<li>The right to have your personal data erased (\u201cright to be forgotten\u201d)<\/li>\n<li>The right to move, copy, or transfer your personal data (\u201cdata portability\u201d)<\/li>\n<li>Rights regarding automated decision-making, including profiling.<\/li>\n<\/ul>\n<p>You may execute any of your rights as a data subject indicated above by contacting us via email: <a href=\"mailto:team@financer.com\">team@financer.com<\/a>. Please notice, when you choose to remove your personal data from our database, we shall also delete your account and suspend any Service. Within a certain period of time you may request to restore your account, however, in this case you grant us with the right to collect your personal data again. \u00a0<\/p>\n<p>To prevent abuse and\/or misuse of the Service by a User following termination or deletion of an account, we shall retain such information as we deem in our sole discretion may be necessary to ensure that a User does not open a new account and profile in breach of our Terms and Conditions and to ensure compliance with all laws and regulations.<\/p>\n<p>Notice: Even after we remove your personal data or delete your account, copies of that information may still be viewable and\/or accessed to the extent such information has been previously shared with others, or copied or stored by others. We cannot control this, nor do we accept any liability for this. If you have given third-party applications or websites access to your personal information, they may retain such information to the extent permitted under their terms of service or privacy policies.<\/p>\n<h3 id=\"Data_Requests\"><strong>Data Requests<\/strong><\/h3>\n<p>For more details on these rights and how to exercise them, please contact:\u00a0team@financer.com<\/p>\n<p>If you have any queries about your data rights, or believe that they have not been met by Financer.com, please contact our Data Protection Officer at\u00a0team@financer.com<\/p>\n<p>or by writing to:<br>Data Protection Officer<br>Financer.com Limited<br>19 St Mark Street<br>Valletta, VLT1362<br>Malta.<\/p>\n<h2 id=\"V_Our_Commitment_to_Data_Security\"><strong>V. Our Commitment to Data Security<\/strong><\/h2>\n<h3 id=\"General_data_policy_code_of_conduct\"><strong>General data policy code of conduct<\/strong><\/h3>\n<p>We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you transmit to us through the Services or store on the Site, and you do so at your own risk.<\/p>\n<h3 id=\"Confidentiality_and_disclosure_of_your_data\"><strong>Confidentiality and disclosure of your data<\/strong><\/h3>\n<p>We will endeavour to treat your personal data as private and confidential. From time to time we may employ agents and subcontractors to process your personal data on our behalf. The same duty of confidentiality and security will apply to them and all processing will be carried out under our instruction.<\/p>\n<p>We would like to bring to your attention our obligations to disclose data in the following four exceptional cases permitted by law, and the other situations set out below. These are:<\/p>\n<ul>\n<li>Where we are legally compelled to do so<\/li>\n<li>Where there is a duty to the public to disclose<\/li>\n<li>Where disclosure is required to protect our interest<\/li>\n<li>Where disclosure is made at your request or with your consent<\/li>\n<\/ul>\n<p>If you make a complaint about the Service we have provided, we may be obliged to forward details about your complaint, including your personal data, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to the requirements of the GDPR and keep your personal data strictly confidential.<\/p>\n<p>Please note that we and our suppliers may make several checks to assess an application for finance or verify identities to prevent and detect crime and money laundering, as well as data sharing at any time for the purposes of fraud prevention.<\/p>\n<h3 id=\"Fraud_prevention_and_detection\"><strong>Fraud prevention and detection<\/strong><\/h3>\n<p>In order to prevent and detect fraud, insurers and other Services may at any time share information about you with members of Financer.com<\/p>\n<p>In addition, we actively monitor information entered into our Site and pass on intelligence of suspected fraud to other parties including insurance providers, financial institutions, and fraud prevention agencies. Law enforcement agencies may access and use this information.<\/p>\n<p>We and other organizations may also access and use this information to prevent fraud and money laundering, for example, when:<\/p>\n<ul>\n<li>checking details on applications for credit and credit-related or other facilities<\/li>\n<li>managing credit and credit-related accounts or facilities<\/li>\n<li>recovering debt<\/li>\n<li>checking details on proposals and claims for all types of Insurance<\/li>\n<li>checking details of job applicants and employees<\/li>\n<\/ul>\n<h3 id=\"GDPR\"><strong>GDPR<\/strong><\/h3>\n<p>We do Our best and implement every possible measure in order to be compliant with Privacy Protection laws, including General Data Protection Regulation (GDPR).<\/p>\n<p>As per GDPR requirements Financer.com ensures that at all times We will:<\/p>\n<p>(a) Handle any personal data that comes into Our possession in the course of performing the Services in compliance with all relevant data protection and electronic privacy legislation, and<\/p>\n<p>(b) Take all reasonable steps to safeguard such personal data.<\/p>\n<p>By using Our Services you confirm that you have been notified about the collection of your personal data by Financer.com and Our hosting services provider, and have received the following information:<\/p>\n<p>(a) The identity and the contact details of the controller \u2013 Financer.com.<\/p>\n<p>(b) The contact details of the data protection officer: team@financer.com.<\/p>\n<p>(c) The purposes of the processing for which the personal data are intended, as well as the legal basis for the processing;<\/p>\n<p>(d) The recipients or categories of recipients of the personal data;<\/p>\n<p>(e) The fact that the controller intends to transfer personal data to a third party (hosting services provider, partners).<\/p>\n<p>Financer.com uses hosting services from DigitalOcean, LLC and data protection services from Defiant, Inc , therefore your personal data becomes available to them.<\/p>\n<p>You can familiarize yourself with the hosting services provider\u2019s privacy protection policy by following <a href=\"https:\/\/www.digitalocean.com\/legal\/privacy-policy\">this link<\/a>.<\/p>\n<p>You can familiarize yourself with the data protection services provider\u2019s privacy protection policy by following <a href=\"https:\/\/www.wordfence.com\/privacy-policy\/\">this link<\/a>.<\/p>\n<p>Where personal data has not been obtained from the data subject Financer.com will provide the data subject with the following information:<\/p>\n<p>(a) The identity and contact details of the controller and, where applicable, of the controller&#8217;s representative;<\/p>\n<p>(b) The contact details of the data protection officer, where applicable;<\/p>\n<p>(c) The purposes of the processing for which the personal data is intended as well as the legal basis for the processing;<\/p>\n<p>(d) The categories of the personal data concerned;<\/p>\n<p>(e) The recipients or categories of recipients of the personal data, if any;<\/p>\n<p>(f) Where applicable, the fact that the controller intends to transfer personal data to a third party, third country, or international organization.<\/p>\n<p>You, as a data subject, shall have the right to obtain confirmation as to whether or not personal data concerning you is being processed, and, where that is the case, access to the personal data, and the following information:<\/p>\n<p>(a) The purposes of the processing;<\/p>\n<p>(b) The categories of personal data concerned;<\/p>\n<p>(c) The recipients or categories of recipients to whom the personal data has been or will be disclosed, in particular recipients in third countries or international organizations;<\/p>\n<p>(d) Where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period;<\/p>\n<p>(e) The existence of the right to request from the controller rectification or erasure of personal data or restriction of processing of personal data concerning the data subject or to object to such processing;<\/p>\n<p>(f) The right to lodge a complaint with a supervisory authority;<\/p>\n<p>(g) Where the personal data is not collected from the data subject, any available information as to their source.<\/p>\n<p>We shall implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, including inter alia as appropriate:<\/p>\n<p>(a) The pseudonymisation and encryption of personal data;<\/p>\n<p>(b) The ability to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and services;<\/p>\n<p>(c) The ability to restore the availability and access to personal data in a timely manner in the event of a physical or technical incident;<\/p>\n<p>(d) A process for regularly testing, assessing and evaluating the effectiveness of technical and organizational measures for ensuring the security of the processing.<\/p>\n<p>We shall take steps to ensure that any natural person acting under the authority of Financer.com, who has access to personal data does not process it except on instructions from Financer.com unless they are required to do so by law.<\/p>\n<p>Financer.com will only process any personal data on your written instruction, unless otherwise required by law. In this event, Financer.com will tell you what We are required to do by law before We do it. Financer.com will keep records of Our processing activities during the term of your use of the Services.<\/p>\n<p>Financer.com shall immediately notify the data subject about any personal data breach and take appropriate steps to minimize the harm from such a breach<\/p>\n<h3 id=\"Complain_to_the_Supervisory_Authority\"><strong>Complain to the Supervisory Authority<\/strong><\/h3>\n<p>If you have any complaints relating to the processing of your personal data, you also have the right to complain to the relevant Supervisory Authority.<\/p>\n<h2 id=\"VI_Changes_to_This_Privacy_Policy\"><strong>VI. Changes to This Privacy Policy<\/strong><\/h2>\n<p>We reserve the right to make changes to this Privacy Policy at any time. We will notify you about material changes in the way we treat your information, including by placing a prominent notice on the Site or by sending you an email so that you can choose whether to continue using the Services. Material modifications are effective 30 calendar days after publication or our initial notification. Immaterial modifications are effective upon posting the updated Privacy Policy or Terms of Service on the Site. Please revisit this page periodically to stay aware of any changes to this Privacy Policy. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the Privacy Policy in effect at the time the dispute arose.<\/p>\n<h2 id=\"VII_Our_Contact_Information\"><strong>VII. Our Contact Information<\/strong><\/h2>\n<p>If you have any further questions, don\u2019t hesitate to contact us. You can email us\u00a0at team@financer.com, or write to us at:<\/p>\n<p>Financer.com Limited<br>19 St Mark Street<br>Valletta, VLT1362<br>Malta.<\/p>\n<h2 id=\"Date_of_Revision\"><strong>Date of Revision<\/strong><\/h2>\n<p>This Privacy Policy was last updated on <strong>October 21st, 2022<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>","protected":false},"excerpt":{"rendered":"<p>This Privacy Policy was last updated on\u00a0October 21st, 2022. 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