Privacy Policy
Emtech
Last Updated: February 23, 2023
At EMTECH we understand how important your privacy is.
EMTECH Solutions Inc. (“EMTECH,” “We,” “Our,” or “Us”) is committed to modernizing central banking infrastructure for financial inclusion and resilience. To that end, EMTECH builds easy to deploy, highly secure, cloud-based software for central banks and other regulators to become more innovative, provide financial inclusion and build infrastructure resilience in the era of open banking and digital currency. We are committed to protecting and respecting your privacy. This Privacy Policy has been created in order to demonstrate our firm commitment to your privacy.
SCOPE
This Privacy Policy applies to personal information processed by us, including on our websites, platforms, and other online or offline offerings. To make this Privacy Policy easier to read, our websites, platforms, and other offerings are collectively called “Services.”
An Important Note: This Privacy Policy does not apply to any of the personal information that we process on behalf of regulated entities (“Customers”) through their use of our Services (“Customer Data”). Our Customers’ respective privacy policies govern their collection and use of Customer Data. Our processing of Customer Data is governed by the contracts that we have in place with our Customers, not this Privacy Policy. Any questions or requests relating to Customer Data should be directed to our Customers.
PERSONAL INFORMATION EMTECH MAY COLLECT FROM YOU
The categories of personal information we collect depend on how you interact with us, our Services, and the requirements of applicable law. We collect information that you provide to us, information we obtain automatically when you use our Services, and information from other sources such as third-party services and organizations, as described below.
We may collect personal information that you provide to us, including:
- Information that you provide by filling in forms on our website. This includes information provided at the time of registering to use our website, subscribing to our Services, requesting, applying for or entering further services (including, but not limited to, promotion), making an enquiry or reporting a problem. This may include, but is not limited to, information such as your name, address, phone and email address.
- In order to improve our communications with you as well as improve our products and Services, we may ask you to provide us with additional information about you such as your professional interests and your experiences with us as well as more detailed contact preferences. When you provide us with any personal information you consent to us collecting and using that information according to your preferences.
- If you contact us, we may keep a record of that correspondence.
- We may ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
- Details of transactions you carry out through our Services and of the fulfillment of your orders.
- Details of your visits to our Services and the resources that you access and/or download.
- To register for our Services, we may require you to provide the following categories of personal information: name of account holder, email, address, phone number, financial details (e.g., credit card numbers and billing address via Stripe), and company/workplace details. Your provision of this personal information is always voluntary, but if certain personal information is not provided you may not be able to utilize the Services.
- Automatic Data Collection. We may collect certain information automatically when you use our Services, such as your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, browser or device information, location information (including approximate location derived from IP address), and Internet service provider. We may also automatically collect information regarding your use of our Services, such as pages that you visit before, during and after using our Services, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Services.
- Cookies, Pixel Tags/Web Beacons, and Other Technologies. We, as well as third parties that provide content, advertising, or other functionality on our Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through your use of our Services.
- Cookies. Cookies are small text files placed in device browsers that store preferences and facilitate and enhance your experience.
- Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in our Services that collects information about engagement on our Services. The use of a pixel tag allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement. We may also include web beacons in e-mails to understand whether messages have been opened, acted on, or forwarded.
Our uses of these Technologies fall into the following general categories:
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- Operationally Necessary. This includes Technologies that allow you access to our Services, applications, and tools that are required to identify irregular website behavior, prevent fraudulent activity and improve security or that allow you to make use of our functionality;
- Performance-Related. We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how individuals use our Services (e.g., Google Analytics, WordPress and Jetpack) (see Analytics below);
- Functionality-Related. We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed;
- Advertising- or Targeting-Related. We may use first party or third-party Technologies to deliver content, including ads relevant to your interests, on our Services or on third-party websites.
- Analytics. We may use Technologies and other third-party tools to process analytics information on our Services. These Technologies allow us to better understand how our digital Services are used and to continually improve and personalize our Services. Some of our analytics partners include:
- Google Analytics. For more information about how Google uses your personal information (including for its own purposes, e.g., for profiling or linking it to other data), please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your personal information, please click here.
- To provide you with our Services, including to manage your information and accounts; provide access to certain areas, functionalities, and features of our Services; and answer requests for customer or technical support.
- To ensure that content from our Services is presented in the most effective manner for you.
- To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
- To notify you about changes or updates to our Services.
- To carry out our obligations arising from any contracts entered into between you and us.
- To pursue our legitimate interests such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention.
- To allow you to participate in interactive features of our Services, when you choose to do so.
- To comply with our legal obligations, including enforcing our agreements and policies.
- We may disclose your personal information to any of our subsidiaries, our parent company and any of our parent company’s other subsidiaries.
- We may disclose your personal information to third parties:
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- If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction.
- If said third party provide services for us, they are limited to the following purposes:
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- Providing us with hosting, payment processing, and related services.
- Understanding the use of our Services and making improvements.
- Administering a mailing list for customers that have registered for such list.
- Responding to requests from or providing any necessary notices to you.
- Protecting the security or integrity of our Services.
- Otherwise administering or managing the software for our Services.
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- If we are under a duty to disclose or share your personal information in order to comply with any legal obligation or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property or safety of us, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
- APIs/SDKs. We may use third-party application program interfaces (“APIs”) and software development kits (“SDKs”) as part of the functionality of our Services. For more information about our use of APIs and SDKs, please contact us as set forth in the “Contacting EMTECH” Section below.
- You have the right to ask us not to process your personal information for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us using the contact information set forth in the “Contacting EMTECH” Section below.
- Subject to compliance with legal obligations, as soon as personal information is being processed, you have the following rights:
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- Right of access You have the right to obtain (i) confirmation whether we are processing your personal information; (ii) access to or a copy of your personal information..
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- Right to rectification You have the right to request correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information.
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- Right to restriction of processing You have the right to demand a restriction of processing for your personal information. This may result in us being able to longer offer you services. However, if we stop processing the personal information, we may use it again if there are valid grounds under data protection law for us to do so (e.g., to comply with regulatory obligations, to defend against legal claims, to protect another natural or legal persons, or for reasons of important public interest.
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- Right to erasure (‘right to be forgotten’) You have the right to have your personal information erased without undue delay. This does not include your personal information that has to be stored due to statutory provisions or in order to assert, execute or defend legal claims. Please note that after deleting the personal information, we may not be able to provide the same level of servicing to you as we will not be aware of your preferences.
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- Right to data portability You have the right to receive your personal information provided to us in a structured, commonly used and machine-readable format. The relevant subset of personal information is data that you provide to us with your consent or for the purposes of performing our contract with you.
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- Right to object You have the right to object at any time, on grounds relating to your particular situation, to processing of your personal information. EMTECH shall no longer process your personal information unless it can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or if the processing is for the establishment, exercise or defense of legal claims.
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- Right to withdraw your consent You have the right to withdraw your consent under the data protection law at any time. Please note that your withdrawal will only take effect for future processing and will not affect the lawfulness of processing before the withdrawal. If you refrain from providing personal information or withdraw your consent to processing, some features of our Service may not be available.