PRIVACY POLICY
Your privacy is very important to us. Accordingly, We have developed this Policy in order for You to understand how We collect, use, communicate and disclose personal information. The following outlines Our privacy policy at ZET Finance.
- Prior to or at the time of collecting personal information, We will clearly state the purposes for which the information is being gathered.
- We will collect and utilize personal information solely for the purpose of fulfilling those objectives specified by Us and for other compatible purposes, unless We obtain the consent of the individual concerned or as required by law.
- Personal information will be retained only for as long as necessary to fulfill the specified purposes.
- We will collect personal information through lawful and fair means and, when appropriate, with the knowledge or consent of the individual concerned.
- Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up to date.
- We will safeguard personal information through reasonable security measures to prevent loss or theft, as well as unauthorized access, disclosure, copying, use, or modification.
- Information about Our policies and practices concerning the management of personal information will be readily accessible to customers.
We are dedicated to conducting Our business in line with these principles to guarantee the protection and maintenance of the confidentiality of personal information.
ZET Finance, located at Cali House, 3rd Floor, Vjal ir-Rihan, San Gwann, SGN 9020, Malta, serves as the controller of Your personal information. We are committed to protecting and respecting Your privacy and personal integrity as You use ZET Finance’s services and browse the Site. This Privacy Policy is designed to provide insight into the personal information We collect, the reasons behind this collection, and how We utilize this information. Additionally, the Privacy Policy outlines how You can exercise Your rights when entrusting Us with Your personal information. We encourage You to carefully read and familiarize Yourself with the content of this Privacy Policy. If You have any questions, feel free to contact Us using the information provided at the bottom of this Privacy Policy.
Which personal information do We gather from You?
When You gain access, sign up, participate in, create an account, or otherwise utilize Our services, We can collect personal information about You. The personal information, We collect, depends on the circumstances and the services You use, but can consist of the following:
Personal information which You actively provide us
- Name, e-mail, phone number and address.
- Nationality.
- Payment information.
- User identification, including the username for login, password, secret question, and corresponding answers.
User generated personal information
- Your purchase references, such as reactions to ads or campaigns.
- IP address.
Additionally, We may collect other information about Your use of Our services through cookies and similar technologies.
Personal information gathered from a third party
We may supplement the information obtained from You by incorporating information received from third parties and Your utilization of websites, products, or services offered by other entities within Our company, ZET Finance. This may include information received from third parties that provide Our payment solutions to facilitate payments when using Our services.
Why do We gather Your personal information?
Our purpose
We process Your information for the following purposes:
A) For the sake of Our contractual relationship:
- To handle payment for Your account and to deliver order and invoice information to You.
- To keep track of Your purchases in order to ensure the provision of entitled services.
- To communicate with You regarding Your membership, account, or purchase of Our services.
- To inform You about changes in Our services.
- To provide offers, news, information, products or services that You request from us.
B) For legitimate purposes:
- To share Your information with other entities within ZET Finance group when necessary for administrative purposes or the delivery of Our services to You.
- To use IP addresses or other necessary information to prevent the malicious use of Our services, protecting Our services, and enforcing Our T&Cs.
- To provide information in a merger and acquisition process for business and strategic management purposes.
- To offer You personalized advertising, news, information, products, or services that We believe may be of interest to You, based on Your likely interests.
- For conducting analysis and statistical purposes.
- To establish, exercise or defend legal requirements.
C) We may also process Your personal information if it is necessary for Us to comply with a legal obligation or decision of an authority:
The processing of Your personal information for the purposes outlined below is based on the following legal foundations:
- Point (A) is essential for concluding and fulfilling Our obligations as stipulated in Our agreement with You.
- Point (B) is necessary for Our legitimate interests in the development, management, protection, and marketing of Our services, as well as from a business and strategic perspective.
- Point (C) will only occur if We have obtained Your consent for such processing.
- Point (D) is necessary to comply with legal obligations.
Is it mandatory for You to provide Your personal information?
Personal information that We request from You marked as “mandatory,” indicated by symbols such as “*”, is necessary for Us to provide Our services due to legal, contractual, administrative, technical, or similar reasons. However, certain personal information may be required only if You use specific features, enable optional parts of the service, or request access to certain resources, offers, promotions, programs, or similar from Us or Our affiliates. You will be informed about this before the collection of such personal information.
Who can You share Your personal information with?
Group transfers
We may disclose Your personal information to other entities within ZET Finance group, when it is necessary for administrative purposes or the provision of Our services to You. If You have given consent, We may also disclose Your personal information to entities within ZET Finance group for marketing purposes. Entities accessing Your personal information adhere to practices outlined in accordance with this Privacy Policy.
The partners, sponsors and advertisers
We may share Your personal information with Our partners and sponsors when You participate in surveys and competitions within the service. Additionally, We might also share Your personal information with Our partners and advertisers, but only upon Your request or with Your explicit consent.
As mentioned, We may utilize aggregated information to monitor the usage of Our services, aiding Us in improving and developing them. We may also share such aggregated information with third parties, such as content partners or advertisers. Aggregated information does not include personal details and cannot be linked back to You.
Third parties for security or other legitimate reasons
We may also reveal Your personal information to third parties if We reasonably believe that such disclosure is necessary:
- To comply with applicable legal obligations, including applications, court orders, government requests, or search warrants, or as otherwise required by law.
- To safeguard Our rights, property, or the safety of Our customers or employees.
- To prevent fraudulent, malicious, misuse, unauthorized, or illegal use or membership of Our services and to protect Our network, services, devices, and Users from such use.
- To pursue or defend against complaints or legal claims in court, administrative cases, procedures, and similar matters;
- To evaluate credit risk, for reporting purposes, or to facilitate payment for Our services;
- As part of a merger or acquisition, provided that the potential buyer or seller agrees to respect and process Your personal information in accordance with Our Privacy Policy;
- To external auditors and supervisors.
Where do We process Your personal information?
The personal data collected from You may be transferred to and stored in a location outside the European Economic Area ("EEA"), which includes destinations not covered by a decision of the European Commission on an adequate level of protection for the processing of personal data. It may be shared with other entities within ZET Finance group, managed by employees working for Us or for one of Our suppliers outside the EEA. Such staff may be involved, for example, in fulfilling Your order, processing Your payment information, and providing Our support services. We take all reasonable precautions to ensure that Your personal information is processed securely and in accordance with this Privacy Policy, and We have implemented appropriate safeguards to protect Your personal information. For further information about or a copy of these safeguards, please contact Us using the information found at the end of this Privacy Policy.
How long do We store Your personal data?
We will keep Your personal information only as long as We consider it necessary to fulfill Our purposes as described above under “Why do We process Your personal information”. Then We will delete or, in some cases, anonymize Your personal information. We regularly check whether We have saved personal information to be deleted. Since We process Your personal information for different purposes, the actual period of personal information will vary.
How do We protect Your personal information?
Protecting Your personal information is important to us. All personal information You provide Us is stored on secure servers and We have strict procedures to protect against loss, abuse, unauthorized access, change, disclosure or destruction of Your personal information. Any payment transactions will be encrypted by industry standard technology and subject to Payment Card Industry security standards.
While We work hard to protect Your personal data, We cannot guarantee that Our security measures prevent any unauthorized attempts to access, use or disclose personal information. However, We maintain safety and incident plans, including plans for handling any breach of data security, in case of a physical or technical incident to handle this in a timely fashion and limit any adverse effect of such an incident.
How can We access Your personal information?
We recognize that there may be occasions when You require additional information from Us regarding Your personal data and its processing, or when You wish to update or rectify the personal information You have provided to us. Therefore, You have the following rights:
- Right to access Your personal information: You are entitled to be verified by Us if We process personal information about You and, if so, to access Your personal information and information.
- Right to get corrected personal information: If You discover that the personal information, We hold about You is inaccurate, You have the right to request corrections to such personally identifiable information.
- Right to delete personal information (the right to be forgotten): Under certain circumstances, for example, if Your personal information has been processed illegally or You have withdrawn Your consent (if processing of Your personal information is based on Your consent), You have the right to request and delete Your personal information from us.
- Right to limit processing: Under certain circumstances, such as if You dispute the accuracy of Your personal information or object to Our legitimate purpose for processing Your personal information, You have the right to request that We limit the processing of Your personal information until a resolution is reached.
- Right to protest against processing: Under certain circumstances, such as if You challenge Our legitimate interest in processing Your personal information, You have the right to object, based on reasons related to Your specific situation, to such processing.
- Right to data portability: If Your personal information is processed automatically based on Your consent or in the performance of Our contractual relationship, You have the right to request that We furnish Your personal information in a machine-readable format for transmission to another data controller.
- Right to lodge a complaint with the supervisory authority: You have the right to file a complaint regarding Our processing of Your personal information to Your supervisory authority.
If Our processing of Your personal information is based on Your consent, You have the right to withdraw such consent at any time (however, it will not affect processing based on Your consent before withdrawal) by contacting Us or by updating the settings in the Service. (where relevant).
Please contact Us using the contact details below to make a request for Your rights. We will make commercially reasonable efforts to respond to Your request within 30 days of receiving such a request. If We cannot comply with Your request within 30 days, We will let You know about this, the reason for the delay and when We expect to be able to meet Your request.
Also, be aware that You can change Your contact preferences on the “Settings” page if You do not want to receive certain types of information from us. You can also do this at any time by contacting Us at michael@zetfinance.com.mt
Changes to this Privacy Policy
Our Privacy Policy may undergo amendments periodically. Therefore, please ensure to regularly review the latest version of this policy. Any changes to the Privacy Policy will be disclosed here, and if the alterations are substantial, We will notify You through a more prominent means, such as email. In the event that changes to this Privacy Policy impact the way We use Your personal information, We will inform You of the choices You may have in response to these modifications. Previous versions of this Privacy Policy will also be maintained in an archive for Your reference.
Cookies
At ZET Finance we wish to give You the best User experience possible, which is why We have to use cookies to store relevant information on Your computer.
1. What are cookies?
Cookies are small text files containing information that a website like Ours can save and read again.
2. What are We using cookies for?
We use cookies for the following purposes: to remember Your username and password, gather statistics on how You use the Site – using Google Analytics, enable sharing via Facebook and other social media platforms, and store Your name and address for relevant new promotional campaigns.
3. How to prevent or get rid of cookies?
To learn more about deleting cookies, You can use the following link:
https://www.aboutcookies.org/how-to-delete-cookies/
To learn more about controlling cookies, You can use the following link
https://www.aboutcookies.org/how-to-control-cookies/
4. For how long are We storing the cookies?
The cookies We place with You are stored for a varied number of months, depending on the purpose of the various cookies. Every time You visit the Site, the period is extended, and they are automatically removed when they expire.
Marketing Communications
If You opt in to receive marketing communications from us, You consent to the Processing of Your Personal Data to send You such communications, which may include newsletters, blog posts, surveys and information about new events. For the avoidance of doubt, We will retain a record of Your consent.
Owner Information of ZET Finance
For any information regarding the T&Cs or for any unresolved issues or questions, please don't hesitate to contact Us using the information provided below.
ZET Finance is owned and operated by:
ZET Finance
Cali House, 3rd Floor
Vjal ir-Rihan
San Gwann SGN 9020
Malta
E-mail: michael@zetfinance.com.mt
