HARMONY PAY, INC.
PRIVACY AND COOKIES POLICY
Updated March 1, 2019
In this privacy & cookies policy (“Policy”), we describe the information that we collect about you, that you provide to us, is provided to us by third parties, and will be processed by us, as you use this Application (our “App”) and the services available through this App, our mobile application, and for registered users our services (collectively, our “Services”). We recommend that you read this policy carefully in order to understand what Harmony Pay Inc. and its subsidiaries, (“we”, “us”, “Harmony Pay”) do with your personal information. Your use of our App and Services and any dispute over privacy, is subject to this Policy and any of our applicable Terms and Conditions for use of our Services, including their applicable limitations on damages and the resolution of disputes. Our Terms and Conditions for our Services are incorporated by reference into this Policy. By using our App you are accepting and consenting to the practices described in this Policy. Regardless of the applicable law set forth in the Harmony Pay Terms and Conditions for use of our Services, however, please note that any disputes arising under this Policy will be interpreted in accordance with the Governing Law provision set forth below.
EUROPEAN ECONOMIC AREA (“EEA”) CUSTOMERS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to EEA customers, and can be found at Appendix A .
HOW, WHEN AND WHAT INFORMATION WE COLLECT?
We collect information directly from you, about you from third parties such as our marketing affiliates and service providers used to verify your identity and prevent fraudulent activity, for the purpose of providing the Harmony Pay Services to you.
We receive information when you apply for and use our Services, you contact us with questions, and you otherwise choose to provide information to us.
We also receive information about you from banking references, credit reporting agencies, affiliates, other Harmony Pay users if they provide us your name through our referral programs, and other third parties (e.g., entities that assist us in validating your identity, among others). We may combine this with other information that we collect about you.
The types of information we collect about you depends on your particular interaction with our App and our Services, and might include, where permitted by applicable law: your contact information (e.g., name, email address, phone number, billing or mailing address); bank and credit account information
You are responsible for providing accurate and up-to-date information.
HOW WE USE YOUR INFORMATION
We use your information: to validate your identity; to provide our Services to you, to communicate with you about your use of our Services or any changes in our Terms and Conditions that apply to you; for the purpose for which you specifically provide the information to us, including, to respond to your inquiries, to provide any information that you request, and to provide customer support; to tailor the content and information that we may send or display to you, to offer location customization (where permitted by applicable law), personalized help and instructions, and to otherwise personalize your experiences while using our App and our Services, such as developing and offering you with new and/or additional services or new and/or additional features to existing services; for marketing and promotional purposes, for example, where permitted by law (other than if (where applicable) you opted out by unsubscribing from marketing emails and/or by contacting us as noted in the table below), we may use your information, such as your email address, phone number, or mailing address to send you newsletters, special offers and promotions, or to otherwise contact you about services or information we think may interest you, or to conduct draws for campaigns and the like and deliver prizes and rewards; as permitted by applicable law (other than if (where applicable) you opted out), to assist us in advertising our products and services in various mediums including, without limitation, sending you promotional emails, advertising our services on third party sites and social media platforms, sending you direct mail, and by telemarketing; to better understand how users access and use our App and our Services, both on an aggregated and individualized basis, to administer, monitor, and improve our App and Services, for our internal purposes, and for other research and analytical purposes; to protect us, our customers, employees or property — for instance, to investigate fraud and prevent fraudulent activity, harassment or other types of unlawful activities involving us or other companies that we do business with, to enforce this Policy, as well as our Terms and Conditions.
WHEN DO WE SHARE YOUR INFORMATION?
We share your information with third parties, including service providers, regulated institutions (e.g., financial institutions), affiliated entities, and business partners as described below.
We share information with our service providers and affiliates to assist us with the provision of the Services and our everyday business purposes, such as to verify your identity, prevent fraudulent activity, conduct internal research and analytical assessments, process your transactions, maintain your account(s) and provide you with customer care services.
With fraud prevention and detection service providers - for the purpose of detecting and preventing fraudulent activity. Such service providers may keep records of information provided and use it when providing fraud detection and prevention services to other users of their databases.
With our service providers and our affiliates – to market our own products and services; and with non-affiliated third parties for joint marketing purposes.
With other Harmony Pay clients, customers or third parties using our services - to perform the Services, assist in carrying out your transactions with such clients, customers or third parties.
In response to legal process – to comply with the law, a judicial proceeding, subpoena, court order, or other legal process.
In connection with business transfers – to another entity if we are acquired by or merged with such other entity, if substantially all of our assets are transferred to such other entity, or as part of a bankruptcy proceeding.
To protect us and others – we may disclose your information when we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms and Conditions or this Policy, or as evidence in litigation in which we are involved.
Aggregate and de-identified information – we may disclose aggregate or de-identified information about users for marketing, advertising, research, or similar purposes.
With consumer reporting agencies, as permitted by law, with respect to users from the United States.
If you do not want us to use your details for us to market to you, and/or to pass your details on to third parties for marketing purposes, please contact us at ______@HarmonyPayment.com. You will also be able to unsubscribe from any marketing emails sent to you by Harmony Pay using a link provided in the email.
WHERE WE STORE YOUR DATA
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our App; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
Cookies - Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your web browser for record-keeping purposes. Some cookies allow us to make it easier for you to navigate our App and Services, while others are used to enable a faster log-in process or to allow us to track your activities at our App and Service. There are four types of cookie:
-Strictly necessary cookies - These are cookies that are required for the operation of our App. They include, for example, cookies that enable users to log into secure areas of our App.
-Analytical/performance cookies - These types of cookies allow us to recognize, count the number of visitors, and see how visitors move around our App when they are using it. This assists us to improve the way in which our App works, for example, by ensuring that you can find what you are looking for easily.
-Functionality cookies - These cookies are used to recognize you when you return to our App. They enable the personalization of content, recognition of users, and also remember your user preferences (for example, your choice of language or region).
-Targeting cookies - These cookies record your visit to our App, the individual pages visited and the links followed. If the cookie is set by a third party (for example, an advertising network) which also monitors traffic on other websites, this type of cookie may also be used to track your movements across different websites and to create profiles of your general online behavior. Information collected by tracking cookies is commonly used to target online advertising.
The four types of cookies above will be either session cookies or persistent cookies.
-Session Cookies - Session cookies exist only during an online session. They disappear from your computer when you close your browser or turn off your computer. We use session cookies to allow our systems to uniquely identify you during a session or while you are logged into the App or Services. This allows us to process your online transactions and requests and verify your identity, after you have logged in, as you move through our App or Services.
-Persistent Cookies - Persistent cookies remain on your computer after you have closed your browser or turned off your computer. We use persistent cookies to remember your user information, preferences and activity, to enable us to provide our services to you when you next return to our App or Services. We also use persistent cookies to track aggregate and statistical information about user activity, which may be combined with other user information.
Local Storage Objects - We may use Flash Local Storage Objects (“Flash LSOs”) to store your App preferences and to personalize your visit. Flash LSOs are different from browser cookie because of the amount and type of data stored. Typically, you cannot control, delete, or disable the acceptance of Flash LSOs through your web browser. For more information on Flash LSOs, or to learn how to manage your settings for Flash LSOs, go to the Adobe Flash Player Help Page, choose “Global Storage Settings Panel” and follow the instructions. To see the Flash LSOs currently on your computer, choose “App Storage Settings Panel” and follow the instructions to review and, if you choose, to delete any specific Flash LSO.
Storage HTML5 Storage - We may also store your user information and App preferences locally within your web browser via HTML5.
Clear GIFs, pixel tags and other technologies - Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with our App or Services to, among other things, track the activities of App visitors, help us manage content, and compile statistics about App and Services usage. We and our third-party service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.
Changing or Disabling your Cookie Settings - Most web browsers automatically accept cookies, but if you prefer you can edit your browser options to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our App who disable their web browsers’ ability to accept cookies will be able to browse the App; however, most site features will not function if you disable cookies and you will not be able to login to use our services.
Do Not Track - Currently, our systems do not honor browser “do-not-track” requests. You may, however, disable certain tracking as discussed above (e.g., by disabling Cookies); you also may opt-out of Third Party Analytics or targeted advertising by following the instructions in the Third Party Ad Networks section below.
THIRD PARTY ANALYTICS
We use automated devices and applications, such as Google Analytics, VWO and Trendemon, to evaluate use of our App and the Services. You may opt-out of any of these services directly. Please note that if you use a new or different computer, install a new browser, or clear your cookies; in that case, you will need to re-opt-out through the link above.
THIRD-PARTY AD NETWORKS
You may opt-out of many third-party ad networks, including those operated by members of the Network Advertising Initiative (“NAI”) and the Digital Advertising Alliance (“DAA”). Opting out of one or more NAI member or DAA member networks (many of which will be the same) only means that those members no longer will deliver targeted content or ads to you. It does not mean you will no longer receive any targeted content or ads on our App or other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing. Also, if your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different computer or mobile device or change web browsers, your NAI or DAA opt-out may no longer be effective. Additional information is available on NAI’s and DAA’s websites accessible by the above links.
CHANGES TO OUR PRIVACY & COOKIES POLICY
This Policy may change from time to time. Any changes in the future will be posted on our App and, where appropriate, notified to you by email or on the App. Please check back frequently to see any updates or changes to our Policy. We will not materially reduce your rights under this Policy without taking steps to bring such changes to your attention.
CONTACT US, QUESTIONS, UPDATING YOUR INFO, OPTING OUT
If you are a Harmony Pay Services customer and would like to update your information, please log into your account in order to update certain information or contact us at _____@HarmonyPayment.com. If you are not a Harmony Pay Services customer, but have provided us with information, and would like to update your information, you may contact us ______@HarmonyPayment.com. From time to time, we may email you with special offers; you may opt-out of those offers through the email or by contacting us as noted below.
If you would like to contact us for other privacy-related matters, you can also contact our Data Protection Officer at ________@HarmonyPayment.com.
GOVERNING LAW & JURISDICTION
Except in relation to EEA customers, this Policy shall be governed by and interpreted in accordance with the laws of the State of Florida, and any dispute hereunder shall be brought exclusively in the courts of the State of Florida except where prohibited by US law.
For our EEA customers, this Policy shall be governed by and interpreted in accordance with the laws of Gibraltar, and any dispute hereunder shall be brought exclusively in the courts of Gibraltar.
Any and all content provided on this App or the Services, including links to other websites is provided for information purposes only and does not constitute advice, recommendation or support of such content or website. Harmony Pay makes every effort to provide true and accurate content on its App. However, Harmony Pay provides no warranty, express or implied, of the accuracy, completeness, timeliness, or applicability of such content. Harmony Pay accepts no responsibility for and excludes all liability in connection with information provided on the Harmony Pay website, including but not limited to any liability for errors, inaccuracies or omissions.
APPENDIX 1: ADDITIONAL TERMS FOR EEA CUSTOMERS
The information below is required pursuant to the EEA law regarding privacy and data protection. The terms below apply to EEA customers in addition to the terms in the rest of the Policy.
For the purposes of the General Data Protection Regulation (“GDPR”), the data controller is ___________________, a company established in ____________ and regulated for data protection purposes by __________________ (“___________”). If you have any questions about this Policy, please contact our Data Protection Officer (DPO) at _____@HarmonyPayment.com.
If you are unhappy about how we are processing your data or how we have responded to a request or complaint, you have the right to make a complaint to the ____________ or your local supervisory authority
WHEN DO WE SHARE YOUR INFORMATION
The section headed How and Why We Share Your Information in the main part of the Policy under the heading WHEN DO WE SHARE YOUR INFORMATION lists who we may share your information with, which include transfers for reasons of legal compliance and necessity in order to provide you with our Services.
You should be aware that when sharing your information, it may be transferred to, and stored at, a destination outside the EEA.
Please note that where data is transferred outside of the EEA, non-EEA countries may not offer the same level of protection for personal data as is available in the EEA. Harmony Pay will take various measures to ensure that your data is treated securely, which may include, but not be limited to: assessing the security measures taken at any place your data is transferred to; having suitable contract terms in place that oblige a data processor to only process in accordance with our instructions; and having monitoring, reporting and resolution procedures in place with regard to ongoing security.
Please contact us if you require more detailed information about international transfers of your information, and the particular safeguards used.
LEGAL GROUNDS FOR PROCESSING YOUR PERSONAL DATA
We process your information based on the following legal grounds, as recognized by and in compliance with the applicable data protection laws: the processing is necessary to perform our contract with you (i.e. the Terms and Conditions that apply as applicable with respect to Harmony Pay Services, for the provision of our Services), or to take steps requested by you before entering into said contract;
the processing is in Harmony Pay’s or someone else’s legitimate interests, and these interests are not overridden by your interests or rights in the protection of your personal data. This may include processing your data for prevention of fraudulent activity, internal research and analytics assessments, for purposes of communication with you, and informing you about new products and services we are offering or to promote new products and services of other parties which we think may be of interest to you, etc.; you have given your consent to the processing of your data; the processing is necessary to meet a legal obligation which applies to Harmony Pay.
Sometimes we process data about you which the law considers to fall within special categories (see section “What data do we process about you?” for more details), in which case, we use one of the following grounds: the processing is necessary for the establishment, exercise or defense of legal claims;
you have freely given your informed, specific consent to the processing; or the processing is necessary for reasons of substantial public interest, based on applicable law.
If you would like more information about the legal grounds used to process your information, or about the legitimate interests referred to above, please contact us at ________@HarmonyPayment.com.
In cases where we have asked for, and you have given, your consent to our processing of your personal data, you have the right to withdraw such consent at any time. You can do this by contacting our DPO at ________@Harmony Payments.com.
DO YOU HAVE TO GIVE US YOUR INFORMATION?
In most cases, providing your personal data to us is optional, however, if you do not provide it, you will not be able to use our Services. For example, we need details such as your name, address and bank account details so that we can make payments to you and receive payments from you. In other cases, you have a choice over whether we collect your personal data, for example, you can turn off cookies on your browser and we will not place any cookies on your device or computer (although in this case you may not be able to use all parts of our website).
PROFILING AND AUTOMATED DECISION MAKING
We use automated decision making as part of our process to evaluate eligibility for the use of the Harmony Pay Services. We use these tools as a measure of fraud prevention and for purposes of security and risk assessment relating to the performance of the Harmony Pay Services. Automated tools incorporated in our process of approval of your registration application, based on the information you provided, the tool may advise if additional information is required for purpose of approval of your application. Automated tools incorporated in our process of approval of certain payment transaction of registered users, such tools may advise if additional information is required for purpose of performance of the payment transaction.
HOW LONG DO WE KEEP YOUR INFORMATION?
Harmony Pay retains your information as required by applicable laws or regulations and/or in accordance with Harmony Pay’s internal policies and procedures for purposes of prevention of fraudulent activity, risk management and security. Harmony Pay will periodically review the necessity of retention of your data.
EEA CUSTOMERS ONLY: YOUR RIGHTS UNDER GDPR
You have several rights in relation to your personal data which are described in more detail below. You can exercise your rights at any time by contacting us at ______@HarmonyPayment.com.
You do not have to pay a fee for a copy of your information unless your request is unfounded, respective or excessive, in which case we will charge a reasonable amount in the circumstances. We will let you know of any charges before completing your request.
We aim to respond to you within one (1) month of receiving your request unless it is particularly complicated or you have made several requests, in which case we aim to respond within three (3) months. We will let you know if we are going to take longer than one (1) month in dealing with your request. If we have a lot of information about you we might ask you if you can tell us what exactly you want to receive. This will help us action your request more quickly.
Correcting your data - You can ask us to correct any data which is inaccurate or incomplete. This is free of charge. If we have shared the data with anyone else, we will tell them about the correction wherever possible. We aim to deal with requests for correction within one (1) month, although it might take us up to three (3) months if your request is particularly complicated. If we cannot action a request to correct your data, we will let you know and explain why this is.
Erasing your data - This is not an absolute right but you have the right to have your data erased, free of charge, in certain circumstances. You can ask for your data to be erased where: it is no longer necessary for the purpose for which it was originally collected or processed; we are processing your data based on your consent, and you withdraw that consent; you object to the processing and we do not have an overriding legitimate interest for continuing; your data has been unlawfully processed; your data must be erased to comply with a legal obligation; the data was processed to offer information society services to a child. There are some exceptions to this right. If one of these applies, we do not have to delete the data. If we have shared your data with third parties, we will tell them about the erasure of your data unless this is impossible or would involve disproportionate effort.
Restricting the processing of your data- You can ask us to restrict the processing of your personal data in some circumstances, free of charge. This is not an absolute right. If processing is restricted we can store the data and retain enough information to make sure the restriction is respected, but we cannot further process your data. You can restrict the processing of your personal data in the following cases:
if you contest the accuracy of your data, we will restrict processing until we have made sure the data is accurate; if you object to our processing and we are considering this objection; if the processing is unlawful but you do not want us to erase your data; if we no longer need the personal data but you require the data to establish, exercise or defend a legal claim.
If we have disclosed the data to a third party, we will inform them about the restriction unless it is impossible or would require a disproportionate effort. We will tell you if we decide to lift a restriction on processing your data.
Objecting to the processing of your data - Objecting to the processing of your data is free of charge. It is not an absolute right but you can object to our processing of your data where it is: based on the legitimate interests ground; or for the purposes of scientific/historical research and statistics.
We will stop processing your personal data unless we have compelling legitimate grounds for the processing which override your interests and rights, or unless we are processing the data for the establishment, exercise or defense of legal claims. You can require us to stop using your data for direct marketing purposes. We will stop as soon as we receive your request. There are no exemptions or reasons for us to refuse.
Data Portability - This allows you to obtain and reuse your personal data for your own purposes across different services. It applies where the following conditions are met: you provided the personal data to us yourself; we are processing the data either based on your consent or because it is necessary for the performance of a contract; and the processing is carried out by automated means.
We will provide your data free of charge in a structured, commonly used and machine-readable form. We aim to provide your data within one (1) month of receiving your request unless it is particularly complicated or you have made several requests, in which case we aim to respond within three (3) months. If we are going to take longer than one (1) month we will let you know and explain why we need more time. If we consider that we cannot provide you with your data, we will contact you and explain why this is.
Automated decision making and profiling- You have the right not to be subject to a decision which is based on automated processing and which produces a legal (or similarly significant) effect on you.
We will tell you about any automated decision making that affects you. You have the right to: request human intervention; express your point of view; ask for the decision to be explained; and challenge the decision.
These rights are not absolute. They do not apply if the decision is: necessary for us to enter into or perform a contract with you; authorized by law (e.g. for fraud prevention); or based on your explicit consent.