Privacy Policy

Last Update: Маг 28, 2014

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The Privacy Policy below governs your use of your Social Credit Network account and products, services and any other features, technologies or functionalities offered by Social Credit Network (including, without limitation, any information you provide in relation to the Social Credit Network).

 

1. Overview

In order to use Social Credit Network Services and to reduce the risk of fraud, Social Credit Network ("Social Credit Network", “our”, “us” or "we"), the data controller, must ask you to provide us with information about yourself, including your credit or debit card and/or bank account details. By consenting to, and agreeing the terms of, this Privacy Policy, you expressly consent and agree to us processing your data in the manner set out herein. This Privacy Policy describes the information we collect and how we use that information. Social Credit Networktakes the processing of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy.

We will not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. However, in order for us to offer our services to our users; enhance the quality of our service from time to time; and protect the interests of our users, we will in limited circumstances share some of your personal information with third parties under strict restrictions, as described in more detail in the section "Our Use and Disclosure of Information". It is important for you to review this Privacy Policy as it applies to all the Social Credit Network Services.

By accepting the Privacy Policy at logging in and registration, you expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Policy.

If you disagree with the terms of this Privacy Policy, please do not register for or use the Social Credit Network Services.

Notification of Changes

This Privacy Policy may be revised over time as new features are added to the Social Credit Network Services or as we incorporate suggestions from our customers. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if we propose to change this Privacy Policy in a substantial manner, we will provide you with at least 30 days' prior notice of such a change. We may post the notice on the "Policy Updates" page of our website(s) and/or send the notice by e-mail. After this 30 days' notice, you will be considered as having expressly consented to all amendments to the Privacy Policy. If you disagree with the terms of this Privacy Policy, you may close your account at any time.

Please check the Social Credit Network website at any time for the most current version of our Privacy Policy.

Some pages on the Social Credit Network website include links to third-party websites. These sites are governed by their own privacy statements, and Social Credit Network is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third-party websites should review the privacy statements of these sites before providing them with personally identifiable information.

For the avoidance of doubt, this Privacy Policy does not constitute a "framework contract" for the purpose of the EU Payment Services Directive (2007/64/EC) or any implementation of that directive in the European Union or EEA (including, without limitation, the UK Payment Services Regulations 2009).

A Special Note about Children

Children are not eligible to use our service and we ask that minors (persons under the age of 18) do not submit any personal information to us or use the Social Credit Network Services.

 

2. Binding Corporate Rules

In addition to the privacy practices set out in this Privacy Policy, Social Credit Network has established a set of Corporate Rules (also referred to as Binding Corporate Rules). These Corporate Rules are a commitment by Social Credit Network to adequately protect your personal information regardless of where the data resides, and depending upon your location, may provide additional rights through your data protection regulator or a court. If you would like additional information regarding our Corporate Rules please contact us.

3. Information We Collect

Required Information

To open a Social Credit Network account or use the Social Credit Network Services, you may be required to provide your name, address, phone number, and email address. In order to make payments through the Social Credit Network Services, you must provide credit card, debit card or bank account information. We also may ask you to choose two different security questions to answer (such as your city of birth or your pet's name). This required information is necessary for us to process transactions, issue a new password if you forget or lose your existing password, protect you against credit card fraud and current account fraud, and contact you should the need arise in administering your account or the Social Credit Network Services.

We will also require other commercial and/or identification information if you send or receive certain high-value transactions or high overall payment volumes through the Social Credit Network Services or as is otherwise required in order for us to comply with our anti-money laundering obligations under European law. When you access Social Credit Network using a mobile device (e.g. a smart phone), we may additionally collect and store device sign-on data (including device ID) and geolocation data in order to provide our services.

Transaction Information

When you use the Social Credit Network Services to send money to someone else or request money from someone else, we ask you to provide information related to that transaction. This information includes the amount and type of the transaction (purchase of goods, purchase of services, or simple money transfer) and the email address, Skype ID (if applicable) or phone number of the third party. Also, when you send money to another Social Credit Network customer, you may be asked to provide personal details to that customer to complete the transaction. Those details may also be passed on to us from that customer. We retain this information for each of your transactions through the Social Credit Network Services and may add this information to your account profile to be used for future transactions that you may make with us. We also collect the Internet address (IP address) and other identifying information about the computer or device you use to access your Social Credit Network account or use the Social Credit Network Services, in order to help detect possible instances of unauthorized transactions.

Information about You from Third Parties

In order to protect all our customers against potential fraud, we verify the information you provide with the "Payment Processors" and/or "Credit Reference and Fraud Agencies". In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a credit card or debit card or bank account with Social Credit Network, we will use card authorization and fraud screening services to verify that your bank or card information and address match the information you supplied to Social Credit Network, and that the card has not been reported as lost or stolen.

If you send or receive high overall payment volumes through the Social Credit Network Services, or if as a merchant have limited selling history, in some circumstances we will conduct a background check on your business by obtaining information about you and your business, and potentially (if legally permitted) also about your directors, shareholders and partners, from a credit reference or fraud agency, as listed in the table under the section entitled, "Disclosure to Third Parties other than Social Credit Network Customers" below. If you owe us money, we may conduct a credit check on you by obtaining additional information about you from a credit reference or fraud agency, to the extent permitted by law. Social Credit Network, at its sole discretion, reserves the right to periodically retrieve and review a business and/or consumer credit report supplied by such credit reference or fraud agency for any account, and reserves the right to close an account based on information obtained during this credit review process.

If you use your Social Credit Network account to sell items, we may also collect public information about your business and your behavior on social media platforms (such as the e-mail address and the number of “likes” and “followers”), to the extent relevant to confirm an assessment of your transactions and/or your business, including its size and the size of its customer base.

We may also collect information from members of the Social Credit Network corporate family or other companies (subject to their privacy policies). We may collect information in order to assess your transactions and any risk associated with your activities, as well as for fraud detection, prevention, and or remediation of fraud, or other illegal actions or to detect, prevent or remediate violations of policies or the applicable user agreements.

Additional Verification

If we cannot verify the information that you provide we may ask you to upload or send us additional information by fax (such as your driving licence, credit card statement, and/or a recent utility bill, or other information linking you to the applicable address), or to answer additional questions online to help verify your information.

Website Traffic Information

Because of the way Internet communication standards work, when you arrive at or leave the Social Credit Network website, we automatically receive the web address of the site that you came from or are going to. We also collect information on which pages of our website you visit, IP addresses, the type of browser you use and the times you access our website. We use this information to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our services and your experience with Social Credit Network.

Our Use of Cookies, Web Beacons, Local Storage and Similar Technologies

When you visit or interact with our sites, services, applications, tools, advertising, and messaging (such as email), we or our authorized service providers may use cookies, web beacons, and other similar technologies for storing information to help provide you with a better, faster, and safer experience. This page is designed to help you understand more about these technologies and our use of them on our sites and in our services, applications, and tools.

We offer certain site features, services, applications, and tools that are available only through our use of these technologies. You are always free to block, delete, or disable these technologies if your browser or device so permits. However, if you decline cookies or other similar technologies, you may not be able to use certain site features, services, applications, or tools. You may also be required to re-enter your password more frequently during a session. For more information on how you can block, delete, or disable these technologies, please review the Help section of your browser, add-on, application, or device.

Where applicable, we protect our cookies and other similar technologies so that only we and/or our authorized service providers can interpret them by assigning them a unique identifier that is designed for interpretation only by us. You may encounter cookies, web beacons, or other similar technologies from authorized third parties, commonly called service providers, that we have contracted with to assist us with various aspects of our site operations, or to provide you our services, applications, and tools. We use both “session” and “persistent” cookies, as well as first-party and third-party cookies and similar technologies.

Our uses of these technologies fall into the following general categories

  • Operationally Necessary – allow us to operate our sites, services, applications, and tools, and ensure their safety and security, and allow you to access these sites, services, applications, and tools;
  • Performance-Related – are useful in order to assess the performance of our sites, services, applications, and tools;
  • Functionality-Related – offer you enhanced functionality when using our sites, services, applications, and tools; and
  • Advertising- or Targeting-Related – are used by us or our third-party advertising providers to deliver content, including advertisements relevant to your interests.

We may work with third-party companies, commonly known as service providers, who may place third-party cookies, web beacons, or similar technologies for storing information on our sites or in our services, applications, and tools with our permission. These service providers help us operate our sites, applications, services, and tools, and provide you with a better, faster, and safer experience;

Our sites, services, applications, and tools may use third parties, such as network advertisers and ad exchanges, to serve advertisements. These third-party ad networks and exchange providers may use third-party cookies, web beacons, or similar technologies to collect information to provide you with their services. They may also collect your device identifier, IP address, or identifier for advertising (IDFA), which may be used to tailor the advertising you see on our sites or elsewhere on the web.

Customer Service Correspondence

If you send us correspondence, including emails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from Social Credit Network to you. We retain these records in order to keep records of our relationship, to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

Questionnaires, Surveys and Profile Data

From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

Recipients without registered Social Credit Network Accounts and Requests

When a registered Social Credit Network user either sends a payment to, or requests a payment from, an individual who is not a registered Social Credit Network user, we will retain the information that the registered Social Credit Network user submits to us, including, for example, the other party's email address, Skype ID (if applicable), phone number and/or name, for the benefit of the registered Social Credit Network user who is attempting to contact the other party, so that the registered Social Credit Network user can see a complete record of his or her transactions, including uncompleted transactions. Although this information is stored for a certain period of time, we will not market to the non-registered person in any way at any time. Additionally, these persons have the same rights to access and correct information about themselves (assuming that their details were correct) as anyone else who uses the Social Credit Network Services.

 

4. Our Use and Disclosure of Information

Internal Uses

We collect, store and process your personal information on servers located in the United States and operated by our parent company, Social Credit Network Inc and elsewhere in the World where Social Credit Network facilities are located. Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. You agree that we may use your personal information to:

  • provide the services and customer support you request;
  • resolve disputes, collect fees, and troubleshoot problems;
  • detect, prevent, and/or remediate fraud or other potentially illegal or prohibited activities, or to detect, prevent or remediate violations of policies or applicable user agreements;
  • customize, measure, and improve our services and the content and layout of our website;
  • deliver targeted marketing and advertising, service updates, and promotional offers based on the communication preferences you have defined for your Social Credit Network and your activities when using the Social Credit Network Services;
  • compare information for accuracy, and verify it with third parties.

Marketing

We may combine your information with information we collect from other companies and use it to improve and personalize the Social Credit Network Services.

Disclosure to Other Webtransfer Customers

If you are a registered Social Credit Network user, your name, email address, Skype ID (if applicable), phone number (if applicable) date of sign-up, the number of payments you have received from verified Social Credit Network users, and whether you have been verified to have control of a bank account are made available to other Social Credit Network customers whom you have paid or senders who are attempting to pay you using the Social Credit Network Services. However, your credit card number, bank account and other financial information will not be revealed to anyone whom you have paid or who has paid you through the Social Credit Network Services or third parties that use the Social Credit Network Services, except with your express permission or if we are required to do so pursuant to credit card rules, a court order or other legal process.

We work with third parties including merchants to enable them to accept or facilitate payments from or to you using the Social Credit Network Services. In doing so, a third party may share information about you with us such as your email address or phone number, when a payment is sent to you or when you are attempting to pay that third party. We use this information to confirm that you are a Social Credit Network customer and that Social Credit Network can be enabled to make a payment, or where a payment is sent to you to send you a notification that you have received a payment. Also, if you request that we validate your status as a Social Credit Network customer with a third party, we will do so. Please note that third parties you buy from and contract with may have their own privacy policies, and Social Credit Network is not responsible for their operations, including but not limited to their information practices.

By accepting this Privacy Policy, you expressly agree and consent that each time you pay or attempt to pay another Social Credit Network customer (including a merchant) using your Social Credit Network account, Social Credit Network may transfer the aforementioned relevant data to such Social Credit Network customer, who may be located outside the European Economic Area (EEA), in order to process, execute or otherwise deal with and provide information about the payment. You also expressly agree and consent to Social Credit Network providing transactional information and other information necessary for the use of a Social Credit Network mobile application (including point of sale products) to a merchant or another Social Credit Network customer who you have explicitly selected or chosen using the Social Credit Network mobile application or point of sale product.

Disclosure to Third Parties other than Social Credit Network Customers

Social Credit Network will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent, and will only disclose this information in the limited circumstances and for the purposes described in this policy. This includes transfers of data to non-EEA member states. Specifically, you consent to and direct Social Credit Network to do any and all of the following:

  1. Disclose information including, without limitation, transaction information, account information, personal information and the contents of communications to: the police; security forces; competent governmental, intergovernmental or supranational bodies; competent agencies (other than tax related authorities), departments, regulatory authorities, self-regulatory authorities or organizations (including, without limitation, the Agencies set out in the table under the heading "Agencies" below); and other third parties, including Group companies, that we in good faith believe it is appropriate for us to cooperate with in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement (including without limitation, your funding source or credit or debit card provider). If false or inaccurate information is provided by you and fraud is identified, details will be passed by us to fraud prevention agencies and law enforcement agencies may access and use that information. We and other organizations may also access and use (including from other countries) this information and the information recorded by fraud prevention agencies to prevent fraud and money laundering.
  2. Disclose information in response to the requirements of the credit card associations or a civil or criminal legal process.
  3. Disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
  4. Disclose aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in Manchester. However, this aggregated information is not tied to personal information.
  5. As with any other business, it is possible that in the future Social Credit Network could merge with, or be acquired by, another company. If such an acquisition occurs, you consent to the successor company having access to the information maintained by Social Credit Network, including customer account information, and such successor company would continue to be bound by this Privacy Policy unless and until it is amended.

Our Contact with Social Credit Network Customers

We communicate with our users on a regular basis via email to provide requested services. We also communicate with our users by phone to:

  • resolve customer complaints or claims made by users via the Social Credit Network Services;
  • respond to requests for customer service;
  • inform users if we believe their accounts or any of their transactions have been used for an illegitimate purpose;
  • confirm information concerning a user's identity, business or account activity;
  • carry out collection activities;
  • conduct customer surveys; and
  • investigate suspicious transactions.

We may use your email or physical address to confirm your opening of a Social Credit Network account, to send you notice of payments that you send or receive through Social Credit Network (including referral payments described below), to send you information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.

We also use your email address to send you other types of communications that you can control, including "News from Social Credit Network", auction tips, customer surveys and notice of special third-party promotions. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the Social Credit Network website, selecting My Account, Profile, then My account settings, and updating your Communication preferences.

We may communicate with you as described above by SMS (and SMS will be treated as an email for the purpose of managing your Communication preferences). In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.

Your Use of Information and Our Services

In order to facilitate the transactions between Social Credit Network users, our service allows you limited access other users' contact or delivery information. As a seller you may have access to the User ID, email address and other contact or delivery information of the buyer, and as a buyer you may have access to the User ID, email address and other contact information of the seller.

You agree that, with respect to other users' personally identifiable information that you obtain through the Social Credit Network Services or through a Social Credit Network-related communication or Social Credit Network-facilitated transaction, you will only use this information for: (a) Social Credit Network-related communications that are not unsolicited commercial messages, (b) ancillary actions in relation to the Social Credit Network payments or the transactions for which Social Credit Network has been used (e.g. insurance, delivery and fraud complaints), and (c) any other purpose that such user consents to after adequate disclosure of the purpose(s).

In all cases, you must provide users with the opportunity to remove their data from your database and review any information you have collected about them. More generally, you must comply with all applicable privacy regulations, in particular as they relate to the sending of marketing emails.

Social Credit Network does not tolerate spam. To report Social Credit Network-related spam to Social Credit Network, please contact us.

5. Information Security

Social Credit Network is committed to handling your customer information with high standards of information security. 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.

The security of your Social Credit Network account also relies on your protection of your Social Credit Network password. You may not share your Social Credit Network password with anyone. Social Credit Network representatives will never ask you for your password, so any email or other communication requesting your password should be treated as unauthorized and suspicious. If you do share your Social Credit Network password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account and changing your Profile settings, and also contact us right away.

6. Accessing and Changing Your Information

You can review the personal information you have provided us and make any desired changes to such information, or to the settings for your Social Credit Network account, at any time by logging in to your account on the Social Credit Network website, selecting My Account, then Profile and changing your preferences. You can also close your account through the Social Credit Network website. If you close your Social Credit Network account, we will mark your account in our database as "Closed", but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.

 

7. Accountability

Our privacy office is responsible for ensuring that our day-to-day procedures comply with this Privacy Policy. If you want to exercise your right to access your information or have any questions about this privacy statement, Social Credit Network's information practices, or your dealings with Social Credit Network, you can contact us.



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