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TERMS OF USE AND
PRIVACY POLICY

Privacy Policy

Our privacy policy is a statement that discloses some or all of the ways our website collects, uses, discloses, and manages the data of its subjects. It fulfills a legal requirement to protect the privacy of each data subject.  Should we ask you to provide certain information by which you can be identified, you can be assured that it will only be used in accordance with this Privacy Policy and in delivering our mandate, subject to compliance with applicable laws and regulations on personal data privacy protection. 

We receive, collect and store any information you enter on our website as well as those communications coming from you. In addition, we collect the Internet Protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; computer, and connection information history. We may use software tools to measure and collect session information, including page response times, length of visits to certain pages, page interaction information, and methods used to browse the page. We also collect personally identifiable information (including name, email, password, and communications); details, comments, feedback, reviews, recommendations, and personal profile.

When you conduct a transaction on our website, as part of the process, we collect the personal information you give us, such as your name, address, and email address. Your personal information will be used only for the specific reasons stated above.

We collect such Non-personal and Personal Information for the following purposes:

  • To provide and operate the Services;

  • To provide our users with ongoing assistance and technical support;

  • To be able to contact our users with general or personalized service-related notices and messages;

  • To create aggregated statistical data and other aggregated and/or inferred Non-personal Information, which we may use to provide and improve our respective services;

  • To comply with any applicable laws and regulations.


We provide an online platform that allows us to extend our services to you. Your data may be stored through our secured data storage, databases, and general application facilities. We store your data on secure servers behind a firewall and are kept with internationally recognized industry standard layers of protection.  

All gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of prominent brands. PCI-DSS requirements help ensure the secure handling of information by our storage and its service providers.

We may contact you to notify you regarding your account, to troubleshoot problems with your account, to poll your opinions through surveys or questionnaires, to send updates about our institution, or as otherwise necessary to contact you to enforce our User Agreement, applicable national laws, and any agreement we may have with you. For these purposes, we may contact you via email, telephone, text messages, and postal mail.

If you don’t want us to process your data anymore, please contact us or send us your email address.

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it. 

If you would like to: access, correct, amend or delete any personal information we have about you, you are invited to contact us or send us an email with your attached proof of identity.

Terms of Use

1. Acceptance of Terms

By accessing and using our website, you accept and agree to be bound by these Terms of Use (the "Terms"). If you do not agree to these Terms, you are not authorized to use our site.

2. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on this site. Your continued use of our site after such changes constitutes your acceptance of the new Terms.

 

3. Use of the Site

You agree to use our site only for lawful purposes and in a manner that does not infringe the rights of or restrict or inhibit the use and purpose of our site by any third party. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Site.

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4. User Accounts

To access certain features of our Site, you may be required to register and create a user account. You are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

5. Content Ownership

All content on our site, including but not limited to text, graphics, logos, images, and software, is the property of or its content suppliers and is protected by copyright and trademark laws. You may not use, reproduce, or distribute any content without the express written permission from us.

6. User-Generated Content

By submitting any content (including text, photos, and other materials) to our site, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content inline with our intended purpose only. You represent and warrant that you own or otherwise control all of the rights to the content you submit and that the use of your content does not violate any third-party rights.

7. Privacy Policy

Your use of our site is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

8. Links to Third-Party Sites

Our site may contain links to third-party websites that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we are not responsible for the availability of such external sites or resources and does not endorse any advertising, products, or other materials on or available from such sites or resources.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. We does not warrant that the site will be uninterrupted, secure, or error-free.

10. Limitation of Liability

In no event shall our organization, its affiliates, or their respective directors, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our site, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if our website has been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless, its affiliates, and their respective directors, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our site or your violation of these Terms.

12. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms, please contact us in the contact information provided in the home page of our site. 

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