You may contact our Data Protection Officer with any privacy-related questions by email at email@example.com.
Depending on the context of your interaction with JoomPay website and mobile application, we may act as data controller, i.e. determine the purpose and means of your personal data processing, or data processor, i.e. process data on behalf of another data controllers, of the data you give us, or we collect about you.
JoomPay acts as data controller with respect to the data collected for purposes of processing corresponding to any Services available through the use of JoomPay website or mobile application, other than Walletto Services.
JoomPay collects and processes information about you when you use our Services. The specific personal data we collect and process depends on the context of your interactions with JoomPay, i.e. Services you are using. Below you can find personal information we may collect and use in accordance with the General Data Protection Regulation and the applicable data protection law of Luxembourg:
Information we may collect from you or generate about you:
We do not process special categories of data such as racial or ethnic data, health data, religious or philosophical beliefs.
It is to be noted that you have choices about the personal data we collect, e.g. when you are asked to provide personal data, you may decline. Please refer to Your Rights section below for details.
We use or may use your personal data for the following purposes and based on the corresponding legal basis:
We may share with and disclose your personal data to:
We may share your personal information with our partners in order to provide you with certain services you have asked us for. We will only share your personal information in this way if you have asked for the relevant service. You can withdraw your permission at any time by contacting us through the JoomPay mobile application. However, this may affect your ability to continue to use those services.
As JoomPay provides an international service, we may need to transmit your personal information to the states outside the European Economic Area (EEA). For example, if you ask to make an international payment, we will send funds to banks overseas. We might also send your information overseas to keep to global legal and regulatory requirements, and to provide ongoing support services and application development.
While performing its activities, JoomPay shall ensure that the recipient of the data guarantees an appropriate level of data protection. In order to ensure an appropriate level of protection by the recipient of the data, we use the standard contracts of the European Union for the transmission of data outside the EU, as amended, as well as entering into standard protection clauses adopted by the European Commission, in order to protect your personal data adequately. If you would like more information, please contact us by sending an email to firstname.lastname@example.org .
The Company will only retain your personal data:
If you choose to submit a Loan Limit Request, in order to process your application, we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs may in turn share your personal data with other organisations, which those organisations may use to make decisions about you. This may affect your ability to get credit.
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:
The way we analyse personal data relating to our Services may involve profiling. This means that we may process your personal data using software that can evaluate your personal circumstances and other factors to predict risks or outcomes. We may also use profiling, or other automated methods, to make decisions about you that relate to the following.
This is known as ‘automated decision-making’ and is only allowed when we have a legal reason for this type of decision-making. We may make automated decisions about you in the following circumstances.
You can contact us to ask to review an automated decision sending an email to email@example.com.
We respect your rights to determine how your personal data is used and seek to ensure that you are able to exercise your rights at any time to the extent required by the law and the regulation. These rights include:
You have the right to ask us for accessing to your personal data that we process and to ask for a copy of such personal data.
You have the right ask us to update your Personal data and to request the rectification of inaccurate personal data.
If at any time you decide you do not want us to retain any personal data, we collected from you, you may request we delete your data. You may also request the restriction of the processing of your personal data such as where the accuracy of the data is being contested or the processing is unlawful. We will take reasonable measures to comply with your request to the extent required by applicable law and regulation.
You have the right to receive the personal data that you have provided to us, in a structured, commonly used and machine-readable format and to transmit such data to another controller. You also have the right to have your personal data transmitted directly from us to another data controller only when you have asked us to do so and have consented to such sharing, and when technically feasible.
You may object to the processing of your personal data on grounds relating to your particular situation and particularly when the processing is based on our legitimate interests. You have also the right to object to the processing of your personal data for direct marketing purpose.
You have the right to withdraw your consent at any time, when the processing is based on your consent.
You have the right to lodge a complaint with the Data Protection Authority, where you believe that your data is being processed in a way that does not comply with the applicable law and regulation,
When you reside in another EU member state, you have the right to lodge your complaint with your local data protection supervisory authority.
All the above listed rights may be exercised through the following channels:
In accordance with the law and regulation, we take appropriate technical (IT security) and organisational measures (contractual measures) to ensure the protection of your personal data. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. When you use our Services, which include social networking, do not share any personal information that you don't want to be seen, collected or used by other users, as this information will become publicly available.
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