Privacy Policy
A. Introduction
1) The privacy of our website users is important to us and we make every effort to ensure that it is protected. This policy explains how we use your personal information.
2) By agreeing to the use of cookies on your first visit to our website, in accordance with the provisions of this Policy, you are granting us permission to use cookies on each of your next visits.
В. Collection of Personal Data
The following types of personal data are collected, stored and used:
1.Information about your computer, including your IP address, geographic location, browser type and version, and operating system;
2.Information about your visits to and use of this website, including referral sources, length of visits, pages viewed, and site navigation paths;
3.Information about your e-mail address that you used to register on our website;
4.Information you entered when creating an application on our site – such as your name, gender, date of birth, phone number, e-mail address;
5.Information such as your name and email address that you entered when you applied for our mailings and/or newsletters;
6.Information that you entered when using our website services;
7.Information that is generated when you use our website, including information about the time, frequency and conditions of use;
8.Information contained in any communications you send to us via email or through our website, including the content of the communication and meta data;
9.Any other personal information you have sent to us.
Before you disclose a third party’s personal information to us, you must obtain that person’s consent to both disclose and process that information in accordance with this policy.
С. Use of your personal information
The personal information you transmit to us through our website will be used for the purposes set forth in these policies or on the relevant pages of the website. We may use your personal information for the following purposes:
1.Administering our website and business;
2.Personalizing our website for you;
3.Enabling you to use the services available on our website;
4.Providing you with services purchased through our website;
5.Sending you messages, invoices and payment reminders, and receiving payments from you;
6.Sending you non-marketing commercial messages;
7.Sending you e-mail communications that you have specifically requested;
8.Sending you email newsletters if you have requested them (you can tell us at any time that you no longer wish to receive email newsletters from us);
9.Sending you marketing communications regarding our business or the business of carefully selected third parties that we believe may be of interest to you, either by publication or, if you have specifically agreed to do so, by email or through the use of similar technologies (you may tell us at any time that you no longer wish to receive marketing communications).
D. Disclosure of Personal Information
We reserve the right to disclose your personal information to any of our employees, officers, directors, policyholders, professional advisors, agents, suppliers or subcontractors to the extent and for the purposes set forth in this policy.
We reserve the right to disclose your personal information to any member of our group of companies (this includes our subsidiaries, our ultimate holding company and all of its subsidiaries) to the extent and for the purposes identified in this policy.
We reserve the right to disclose your personal information:
1.Where we are required to do so by law;
2.In connection with any current or future legal proceedings;
3.In order to establish, exercise or protect our legal rights (including providing information to other parties to prevent fraud or reduce credit risk);
4.To any person who we reasonably believe may make a request to a court or other authorized body for disclosure of that personal data and, in our reasonable opinion, that court or authorized body will order disclosure of that personal data.
We will not disclose your personal information to third parties except as set out in this policy.
Е. International transfers of personal information
The information we collect may be stored, processed and transferred between any countries in which we operate in order to enable us to use that information in accordance with this policy.
The information we collect may be transferred to the following countries that do not have data protection laws similar to those in the European Economic Area.
By agreeing to this policy, you consent to the transfer of your personal information as set out in section E.
F. Protection of your personal information
We will take sufficient technical and organizational measures to prevent the loss, misuse or falsification of your personal information.
We will store all personal information you provide on our secure (both password and firewall protected) servers.
All electronic financial transactions made through our site will be protected by data encryption technology.
You acknowledge your familiarity with the fact that the transmission of information over the Internet is inherently insecure and we cannot guarantee the protection of data sent over the World Wide Web.
G. Changes and amendments
We reserve the right to make changes and amendments to this policy from time to time, and to post the revised version on our website. You should check this web page periodically to ensure that you understand the content of changes made to these policies. We may also inform you of changes to these rules by sending you an e-mail or through our website’s private messaging system.
H. Your Rights
You may instruct us to provide you with any personal information we hold about you.
We reserve the right to refuse to provide information at your request, to the extent permitted by applicable law.
You have the right to instruct us not to process your personal information for marketing purposes.
As a practical matter, you will generally either agree in advance that we will use your personal information for marketing purposes or we will give you the opportunity to opt out of having your information used for marketing purposes.
I. Cookies files
Our website uses cookies. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and stored by the browser. The identifier is then sent back to the server each time the browser requests a web page from the server. Cookies can be either “persistent” or “session-based”: persistent ones will be stored by the browser and will be usable until expiration unless deleted by the user in advance; session-based ones, on the contrary, will be deleted after a website session ends or when the browser is closed. Cookies generally do not contain any information that personally identifies the user. However, your personally identifiable information that we hold may be linked to information stored and obtained from cookie-cookies.
Blocking all cookies will have a negative impact on the usability of many websites. If you block cookies, you may not be able to use many features of our website.
