General information

This Privacy Policy (hereinafter the “Policy”) governs the terms and conditions of processing of your personal data (hereinafter the “Data”) when you visit and use https://digifinance.agency/ (hereinafter the “Website”). If you have any question in regard to this Policy, please, do not hesitate to contact us via “Contact page” form.

DIGIFINANCE OÜ, registry code 14919988, registered at: Harju maakond, Tallinn, Kesklinna linnaosa, Vesivärava tn 50, 10152 (hereinafter the “Company”) is a data controller in respect of personal information that we process when you send us an inquiry on “Contact page” form or via e-mail: info@digifinance.agency.

This Privacy Policy sets the frames of collection, storage, usage, maintenance, disclosure, and elimination (hereinafter the “Processing”) of the Personal Information the Company receives and collects. We may change and update this Privacy Policy from time to time to reflect changes to Our information collection, usage, and storage practices.

We respect your privacy and are committed to protecting your Personal Information. This Privacy Policy helps explain how We collect, use, store, and protect your information when you use the Website or any other websites, pages, features, or content related to the Company and indicates the privacy rights of the users.
By using Our Website, the Company assumes that you agree to the collection and use of information in accordance with this Privacy Policy and agree to provide to Us an explicit consent to terms and the data practices described in this Privacy Policy including the processing, storage, and usage of your Personal Information.

Personal Information collection

We gather certain Personal Information and data when you use Our Website (hereinafter the “Personal Information”).
You may refuse to provide such Personal Information and/or decide to give Us any other non-required data. In case you refuse to provideUs with your Personal Information, you may not be able to access or use all of the features of Our Website.
Except as described in this Privacy Policy, We will not sell, lease, rent or loan your Personal Information to any third party without your prior consent.
While providing access Our Website may collect the following Personal Information from you:

• “Personal Information” such as name, email, contact details or any other personal content that you provide Us whether through a form or field on our Website or any other communication (e.g. email, phone, post, etc.).
• “Technical Information” such as browser type, operating system, device type, IP address, and other similar technical information received from a browser or device automatically when visiting or interacting with Our Websites. This may include the referring URL that led you to Our Website.
• “Usage Information” such as the pages you visited on Our Website, where you clicked, searches performed on Our Website and other similar information related to how you have used Our Website. It may also include information related to whether you receive, opened or clicked on any links in an email sent to you.
• “Cookies Data” - as described in Section 6 of this Privacy Policy.

When you visit Our Website, the Company automatically collects the Personal Information sent to Us by your computer, mobile phone, or other access devices. We collect information that your browser sends whenever you visit a Website (hereinafter the “Log Data”), such as your IP address, device information, standard web log information, such as your browser type, browser version and the pages you accessed on the Website, access times, website navigation paths, unique device identifiers and other diagnostic data, etc.
This service usage data helps Our systems to ensure that Our Website is accessible for users across all platforms and can aid in case of disputes or technical issues. You agree to provide the Personal Information specified herein and agree that your provided Personal Information may be processed and stored by the Company.

Purposes of collection

The Company only collects the Personal Information that is reasonably necessary for Us to efficiently conduct its activities, that are as follows:

• to maintain and improve Our Website. The Company uses Personal Information to ensure that Our Website functions properly. We process your Personal Information to provide a personalized experience, and implement the preferences you request;
• to provide quality control. We process your Personal Information for quality control and staff training to make sure We continue to provide you with accurate information. If We do not process Personal Information for quality control purposes, you may experience issues or other interruptions.
• to research and development purposes. We process your Personal Information to better understand you and the way you use and interact with Our Website. In addition, We use such information to customize, measure, and improve the content and layout of Our Website and other applications, and to develop new services. Without such processing, We cannot ensure your continued enjoyment of Our Website.
• to engage in outstaffing activities, software, web and mobile development. Based on your communication preferences, We may send you marketing and advertising communications to inform you about relevant product offers and services and to provide you with promotional offers based on your communication preferences. We use information about your usage of Our Website and your contact information to provide marketing communications. You can opt-out of Our marketing communications at any time. From time to time We may request your permission to allow Us to share your Personal Information with third parties for such purposes, as described in this Privacy Policy. You may also opt-out of having your Personal Information shared with third parties, or from allowing Us to use your Personal Information for any purpose that is incompatible with the purposes for which We originally collected it or subsequently obtained your authorization.
• to process your inquiries and to respond to your requests. For example, when you contact us to learn more about our products or services or when you request to receive certain materials from us (e.g. white papers, research papers, product and services information).
• to send you information related to Our services and products that We believe may interest you, such as newsletters or product and service updates. Such communications will be sent to you when you have chosen to receive such communication or when We have a legitimate interest to market our products and services. In any event, you will always be able to opt-out of receiving such communications. Opting out may be done directly in the communication received
• in our legitimate interest to prevent fraud or harm to Us or to any third party, and to ensure the security of our network and services.
• where it is necessary for the Company to comply with its legal obligations and to exercise and enforce its legal rights.

We may also use certain third-party marketing and advertising networks to help us market our products on our own website and on third-party websites (e.g. remarketing ads across the Internet by Google or Facebook).

Data Protection Regulation

This Privacy Policy includes the provisions of the EU General Data Protection Regulation (GDPR), California Consumers Protection Act 2018 (CCPA), Directive on privacy and electronic communications (ePrivacy Directive) and other applicable data protection laws (hereinafter the “Data Protection Regulation”), and corresponds to them and also operates within the framework of existing legislation.
You have the following rights under the above-mentioned regulations:

• Right to withdraw - you have the right to withdraw your consent where you have previously given your consent to the processing of your Personal Information;
• Right to object - you have the right to object to the processing of your Personal Information if the processing is carried out on a legal basis other than consent.
• Right to be informed - you can ask the Company what categories of your Personal Information is being collected;
• Right to opt-out - you can ask the Company to stop using your Personal Information for business and other benefits;
• Right to erasure (‘right to be forgotten) - you can ask the Company to delete your Personal Information;
• Right of access - you can ask the Company to provide the list of actual Personal Information values collected;
• Right to non-discrimination - the Company provides equal services, meaning they cannot discriminate against your rights;
• Right to rectification - you can ask the Company to correct your Personal Information in a situation when such data available Us or disclosed to third parties is inaccurate or incomplete;
• Right to restrict - you can ask the Company to introduce the restriction regime on the processing of your Personal Information, so that in each case the data may be processed only upon separate consent from you.
• Right to data portability - if We process your Personal Information based on your consent, or the processing is carried out by automated means, you may request to receive your Personal Information in a structured, commonly used and machine-readable format, and to have Us transfer your Personal Information directly to another Controller, where technically feasible unless the exercise of this right adversely affects the rights and freedoms of others. (Controller is a natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of your Personal Information).
• Right to lodge a complaint - if you believe that we have infringed your rights, We encourage you to contact us first so that We can try to resolve your issue or dispute informally. You also have a right to lodge a complaint with a competent supervisory authority.
• Storage of your personal information - We will try to limit the storage of your Personal Information to the extent that storage is necessary to serve the purpose(s) for which the Personal Information was processed, to resolve disputes, enforce our agreements, and as required or permitted by law.

To exercise any of these rights, please contact Us on “Contact page” form and We will respond to your request within a reasonable timeframe and notify you of the actions taken.

Personal Information the Company does not process

The Company does not collect or store any Personal Information about children under 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your children have provided Us with Personal Information, please contact us. If We become aware that We have collected Personal Information from children without verification of parental consent, We take steps to remove that information.
The Company also does not process any Sensitive Personal Information, such as racial or ethnic origin, membership in political parties or political opinions, religious or philosophical beliefs, trade union membership, genetic/biometric data, health, sex life or sexual orientation. Nor do we collect any information about criminal convictions and offenses.
If you believe that the Company has collected such information, please directly contact Us immediately the Company in order to delete this information and resolve issues.

Cookie Policy

When You access Our Website (or Google Analytics or a similar service provider on the Company’s behalf) may place cookies on your computer or other devices.
A cookie is a small text file that is sent to and stored on your computer or other internet-connected devices to identify your browser or store information. They are widely used in order to make websites work, or work in a better, more efficient way. The information the Company obtains through the use of Cookies may include information about your computer, device, and browser, such as your IP address, browser, operating system and device characteristics, language preferences, mobile device or advertising ID, referring URLs and other.
Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Website.
Examples of Cookies We use:

• Session Cookies. We use Session Cookies to operate Our Website.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.

If you access Our Website from a mobile or other devices, the Company may collect information for that device such as a unique device identifier (hereinafter the “UDID”).
The Company uses these technologies to recognize you as Our Website user, customize Website, understand usage and determine the effectiveness of email marketing campaigns, measure promotional effectiveness and collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.
You may adjust your browser to reject all cookies or to indicate when a cookie could be sent. The Company requests you to provide explicit consent to use cookies. However, if you do not accept cookies, you may not be able to use all of the features and services provided by the Website in a full manner.

Security

The Company protects your Personal Information under internationally acknowledged standards, using physical, technical, and administrative security measures to protect the privacy of the information you provide to the Company from unauthorized or accidental access, loss, misuse, disclosure, alteration, destruction as well as from other illegal actions of third-parties.
The company has also implemented a number of security and technical measures to ensure that your information is protected and securely maintained such as encryption, data storage diversification, internal data access restrictions, anonymization technology, data and asset diversification, and strict physical access controls to buildings & files.
Please note that transmission of information (including communications by email) over the Internet or other publicly accessible networks is not one hundred percent secure, no method of transmission over the Internet is totally secure.
Also, please note that the Company is not liable for the security of any information you are transmitted to Us or received from Us by Internet or wireless connection, including email, phone, or other means of communication since We have no way of protecting that information once it leaves and until it reaches Us. While We strive to use commercially acceptable means to protect your Personal Information, We cannot guarantee its absolute security.
You should also understand the responsibility and take safety precautions to protect your own Personal Information.
If you have any suspicions that your Personal Information has been put in jeopardy, or at any risk, particularly your account, password and/or other information, please make sure to contact Us as soon as possible.

Personal Information sharing

The Company may disclose information about you:

• to the extent required by law such as to comply with court orders, search warrants, regulatory orders, subpoenas, and other lawful requests by public authorities, including to meet national security or law enforcement requirements;
• to protect the personal safety of users of Our Website or the public;
• in connection with any legal proceedings or prospective legal proceedings;
• to establish, exercise or defend the Company’s legal rights.
• to third parties that help us operate Our Website (e.g. server hosting providers, business management and email distribution service providers and other similar service providers). These companies are authorized to use your personal information only as necessary to provide these services to Us.
• to legal authorities, consultants, advisors or service providers when required to investigate, respond to, or prevent, fraud; or when required to ensure the security of our network and services and protect the safety of the Company or the public.
• to the Company's resellers, agents, partners or service providers acting on our behalf in connection with the offering of the Company’s products or services.
• to third-party marketing and advertising networks to help us market our products on our own website and on third-party websites (e.g. remarketing ads across the Internet by Google).

As part of providing these services, the Company will share part of your Personal Information with such companies, for example: Google services – analytics, Cloud services/server services, etc.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of Our Website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity with Our Website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents Google Analytics JavaScript from sharing information with Google Analytics about visits activity.
In some circumstances, the Company will anonymize your Personal Information (so that it can no longer be associated with you) for research or statistical purposes, in which case We may use this information indefinitely without further notice to you.

International Data Transfer

If you are located in the EU, make a notice that your Personal Information may be transferred to countries that are not part of the EU.
The Company will take additional measures in order to establish that your Personal Information is treated just as safely and securely as it would be within the European Union and under the Data Protection Legislation as follows:

• choosing only partners and services that are compliant with the EU standards;
• limiting access to your Personal Information to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;
• procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, your personal data) including notifying you and the governing authority where the Company is legally required to do so.

The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Some of Our external third parties are based outside of the European Economic Area (EEA) so their processing of your Personal Information will involve a transfer of data outside the EEA.
Once We transfer your Personal Information outside the EEA, We shall observe the criteria set within the EEA.
For further details, see European Commission: Adequacy of the protection of personal data in non-EU countries:(https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/adequacy-protection-personal-data-non-eu-countries_en)
Where We share Personal Information with fraud and crime prevention agencies and fraud and/or criminal history checking service providers in the EEA, they may transfer your Personal Information outside of the EEA, in this case they impose contractual obligations on the recipients of that data to protect your Personal Information to the standard required in the EEA and/or they may require the recipient to subscribe to certain standards, intended to enable secure data sharing.
Please contact Us if you want further information on the specific mechanism used by Us when transferring your personal data out of the EEA.

Personal Information retention

We will only retain your Personal Information for as long as reasonably necessary to fulfil the purposes for its collection, including for the purposes of satisfying any legal, regulatory, accounting or reporting requirements.