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THIS PRIVACY POLICY IS A LEGALLY BINDING AGREEMENT MADE BY AND BETWEEN Top Terms Limited ('WE' OR 'US') AND YOU, PERSONALLY AND, IF APPLICABLE, ON BEHALF OF THE ENTITY FOR WHOM YOU ARE USING THIS WEB SITE (COLLECTIVELY, 'YOU').
THIS PRIVACY POLICY GOVERNS YOUR USE OF THIS WEB SITE ('WEB SITE') AND THE SERVICES WE OFFER ON THE WEB SITE ('SERVICES'), SO PLEASE READ IT CAREFULLY. THIS POLICY DESCRIBES THE WAYS WE COLLECT, STORE, USE AND PROTECT YOUR PERSONAL INFORMATION. BY ACCESSING OR USING ANY PART OF THE WEB SITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO ANY PART OF IT, DO NOT ACCESS OR USE THE WEB SITE.
INTERNET TECHNOLOGY AND THE APPLICABLE LAWS, RULES, AND REGULATIONS CHANGE FREQUENTLY. ACCORDINGLY, WE RESERVE THE RIGHT TO MAKE CHANGES TO THIS PRIVACY POLICY AT ANY TIME. YOUR CONTINUED USE OF THE WEB SITE CONSTITUTES ASSENT TO ANY NEW OR MODIFIED PROVISION OF THIS PRIVACY POLICY THAT MAY BE POSTED ON THE WEB SITE. THE REVISED VERSION WILL BE EFFECTIVE AT THE TIME WE POST IT.
THROUGHOUT THIS POLICY, WE USE THE TERM "PERSONAL INFORMATION" TO DESCRIBE INFORMATION THAT CAN BE ASSOCIATED WITH A SPECIFIC PERSON AND CAN BE USED TO IDENTIFY THAT PERSON. WE DO NOT CONSIDER PERSONAL INFORMATION TO INCLUDE INFORMATION THAT HAS BEEN ANONYMIZED SO THAT IT DOES NOT IDENTIFY A SPECIFIC USER.
1. PERSONAL INFORMATION COLLECTION
| (A) |
WHEN YOU VISIT THE WEB SITE, WE COLLECT YOUR IP ADDRESS AND STANDARD WEB LOG INFORMATION, SUCH AS YOUR BROWSER TYPE AND THE PAGES YOU ACCESSED ON OUR WEBSITE. |
| (B) |
IF YOU OPEN AN ACCOUNT, WE COLLECT THE FOLLOWING TYPES OF INFORMATION FROM YOU:
| (I) |
COLLECT CONTACT INFORMATION PROVIDED BY YOU - YOUR NAME, ADDRESS, PHONE, EMAIL AND OTHER SIMILAR INFORMATION; |
| (II) |
DO NOT COLLECT YOUR FINANCIAL INFORMATION, SINCE WHEN PAYING FOR OUR SERVICES YOU PROVIDE YOUR PAYMENT DETAILS NOT TO US BUT TO THE PAYMENT SYSTEM OR PROCESSING COMPANY SECURING ALL THE TRANSACTIONS WITH PAYMENT CARDS. |
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| (C) |
BEFORE PERMITTING YOU TO USE THE WEB SITE, WE MAY REQUIRE YOU TO PROVIDE ADDITIONAL INFORMATION WE CAN USE TO VERIFY YOUR IDENTITY TO MANAGE RISK. WE MAY ALSO OBTAIN INFORMATION ABOUT YOU FROM THIRD PARTIES SUCH AS CREDIT BUREAUS AND IDENTITY VERIFICATION SERVICES. |
| (D) |
WHEN YOU ARE USING THE WEB SITE, WE COLLECT INFORMATION ABOUT YOUR ACCOUNT TRANSACTIONS AND WE MAY COLLECT INFORMATION ABOUT YOUR COMPUTER OR OTHER ACCESS DEVICE FOR FRAUD PREVENTION PURPOSES. |
| (E) |
FINALLY, WE MAY COLLECT ADDITIONAL INFORMATION FROM OR ABOUT YOU IN OTHER WAYS NOT SPECIFICALLY DESCRIBED HERE. FOR EXAMPLE, WE MAY COLLECT INFORMATION RELATED TO YOUR CONTACT WITH OUR CUSTOMER SUPPORT TEAM OR STORE RESULTS WHEN YOU RESPOND TO A SURVEY. |
2. COOKIES
| (A) |
WHEN YOU ACCESS OUR WEB SITE, WE, OR COMPANIES WE HIRE TO TRACK HOW OUR WEBSITE IS USED, MAY PLACE SMALL DATA FILES CALLED "COOKIES" ON YOUR COMPUTER. |
| (B) |
WE SEND A "SESSION COOKIE" TO YOUR COMPUTER WHEN YOU LOG IN TO YOUR ACCOUNT. THIS TYPE OF COOKIE HELPS US TO RECOGNIZE YOU IF YOU VISIT MULTIPLE PAGES ON OUR SITE DURING THE SAME SESSION, SO THAT WE DON'T NEED TO ASK YOU FOR YOUR PASSWORD ON EACH PAGE. ONCE YOU LOG OUT OR CLOSE YOUR BROWSER, THIS COOKIE EXPIRES AND NO LONGER HAS ANY EFFECT. |
| (C) |
WE ALSO USE LONGER-LASTING COOKIES FOR OTHER PURPOSES SUCH AS TO DISPLAY YOUR E-MAIL ADDRESS ON OUR SIGN-IN FORM, SO THAT YOU DON'T NEED TO RETYPE THE E-MAIL ADDRESS EACH TIME YOU LOG IN TO YOUR ACCOUNT. |
| (D) |
WE ENCODE OUR COOKIES SO THAT ONLY WE CAN INTERPRET THE INFORMATION STORED IN THEM. YOU ARE FREE TO DECLINE OUR COOKIES IF YOUR BROWSER PERMITS, BUT DOING SO MAY INTERFERE WITH YOUR USE OF OUR WEB SITE. WE MAY ALSO COLLECT INFORMATION ABOUT YOUR COMPUTER OR OTHER ACCESS DEVICE TO MITIGATE RISK AND FOR FRAUD PREVENTION PURPOSES. |
3. PERSONAL INFORMATION PROTECTION
| WE STORE AND PROCESS YOUR PERSONAL INFORMATION ON EXTREMELY SECURED DEDICATED SERVERS, AND WE PROTECT IT BY MAINTAINING PHYSICAL, ELECTRONIC AND PROCEDURAL SAFEGUARDS IN COMPLIANCE WITH APPLICABLE GOVERNMENT REGULATIONS. WE USE COMPUTER SAFEGUARDS SUCH AS FIREWALLS AND DATA ENCRYPTION, WE ENFORCE PHYSICAL ACCESS CONTROLS TO OUR BUILDINGS AND FILES, AND WE AUTHORIZE ACCESS TO PERSONAL INFORMATION ONLY FOR THOSE EMPLOYEES WHO REQUIRE IT TO FULFILL THEIR JOB RESPONSIBILITIES. |
4. USE OF PERSONAL INFORMATION
OUR PRIMARY PURPOSE IN COLLECTING PERSONAL INFORMATION IS TO PROVIDE YOU WITH A SECURE, SMOOTH, EFFICIENT, AND CUSTOMIZED EXPERIENCE. WE MAY USE YOUR PERSONAL INFORMATION TO:
| (I) |
PROVIDE THE SERVICES AND CUSTOMER SUPPORT YOU REQUEST; |
| (II) |
PROCESS TRANSACTIONS AND SEND NOTICES ABOUT YOUR TRANSACTIONS; |
| (III) |
RESOLVE DISPUTES, COLLECT FEES, AND TROUBLESHOOT PROBLEMS; |
| (IV) |
PREVENT POTENTIALLY PROHIBITED OR ILLEGAL ACTIVITIES, AND ENFORCE OUR TERMS OF SERVICE; |
| (V) |
CUSTOMIZE, MEASURE, AND IMPROVE OUR SERVICES AND THE CONTENT AND LAYOUT OF OUR WEB SITE; |
| (VI) |
SEND YOU TARGETED MARKETING, UPDATE NOTICES, AND PROMOTIONAL OFFERS BASED ON YOUR COMMUNICATION PREFERENCES; |
| (VII) |
COMPARE INFORMATION FOR ACCURACY AND VERIFY IT WITH THIRD PARTIES. |
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5. SHARING INFORMATION WITH OTHER PARTIES
| (A) |
WE WILL NOT SELL OR OTHERWISE PROVIDE YOUR PERSONAL INFORMATION TO A THIRD PARTY, OR MAKE ANY OTHER USE OF YOUR PERSONAL INFORMATION OTHER THAN AS FOLLOWS:
| (I) |
IN AN AGGREGATED FORM THAT DOES NOT DIRECTLY IDENTIFY YOU; |
| (II) |
WITH THIRD PARTY VENDORS, CONSULTANTS AND OTHER SERVICE PROVIDERS WHO ARE WORKING ON OUR BEHALF AND NEED ACCESS TO YOUR INFORMATION TO CARRY OUT THEIR WORK FOR US; |
| (III) |
LAW ENFORCEMENT, GOVERNMENT OFFICIALS, OR OTHER THIRD PARTIES WHEN:
| - |
WE ARE COMPELLED TO DO SO BY A SUBPOENA, COURT ORDER OR SIMILAR LEGAL PROCEDURE; |
| - |
WE NEED TO DO SO TO COMPLY WITH LAW; |
| - |
WE BELIEVE IN GOOD FAITH THAT THE DISCLOSURE OF PERSONAL INFORMATION IS NECESSARY TO PREVENT PHYSICAL HARM OR FINANCIAL LOSS, TO REPORT SUSPECTED ILLEGAL ACTIVITY, OR TO INVESTIGATE VIOLATIONS OF OUR TERMS OF SERVICE; |
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| (IV) |
TO PROTECT OUR RIGHTS AND PROPERTY, OUR AGENTS, CUSTOMERS, AND OTHERS INCLUDING TO ENFORCE OUR AGREEMENTS, POLICIES AND TERMS OF USE; |
| (V) |
IN AN EMERGENCY TO PROTECT THE PERSONAL SAFETY OF OUR EMPLOYEES, ITS CUSTOMERS, OR ANY PERSON. |
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| (B) |
WE WILL NOT SELL OR RENT ANY OF YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR THEIR MARKETING PURPOSES AND ONLY SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES AS DESCRIBED IN THIS POLICY. |
6. WE MAY COLLECT PERSONAL INFORMATION FOR ANALYSIS. IN SUCH CIRCUMSTANCES WE WILL USE REASONABLE EFFORTS TO ENSURE THAT INDIVIDUALS REMAIN ANONYMOUS.
7. WE USE REASONABLE EFFORTS TO PROTECT PERSONAL INFORMATION WHICH WE COLLECT. TO PREVENT UNAUTHORIZED ACCESS, MAINTAIN DATA ACCURACY, AND ENSURE THE CORRECT USE OF INFORMATION, WE HAVE PUT IN PLACE APPROPRIATE PHYSICAL, ELECTRONIC, AND MANAGERIAL PROCEDURES TO SAFEGUARD AND SECURE THE INFORMATION WE COLLECT ONLINE. WE WORK TO PROTECT THE SECURITY OF YOUR INFORMATION DURING TRANSMISSION BY USING SECURE SOCKETS LAYER (SSL) SOFTWARE, WHICH ENCRYPTS INFORMATION YOU INPUT. IT IS IMPORTANT FOR YOU TO PROTECT AGAINST UNAUTHORIZED ACCESS TO YOUR PASSWORD AND TO YOUR COMPUTER. BE SURE TO SIGN OFF WHEN FINISHED USING A SHARED COMPUTER. YOU WILL APPRECIATE, HOWEVER, THAT WE CANNOT GUARANTEE THE SECURITY OF TRANSMISSION.
8. RESTRICT FROM SHARING YOUR PERSONAL INFORMATION
| APPLICABLE LAWS ALLOW YOU TO RESTRICT THE SHARING OF YOUR PERSONAL INFORMATION IN CERTAIN INSTANCES. HOWEVER, THESE LAWS ALSO STATE THAT YOU CANNOT RESTRICT OTHER TYPES OF SHARING. |
9. ACCESSING AND CHANGING YOUR PERSONAL INFORMATION
| YOU CAN REVIEW AND EDIT YOUR PERSONAL INFORMATION AT ANY TIME. |
10. CONTACT US ABOUT PRIVACY QUESTIONS
| IF YOU HAVE ANY QUERIES OR QUESTIONS ABOUT OUR PRIVACY POLICY, PLEASE CONTACT US. |
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