This privacy policy applies between you, the user of the Toqio website and Toqio Fintech Ltd, the owner and provider of this website. Toqio Fintech Ltd takes your information privacy very seriously. This privacy policy applies to our use of any and all data collected by us or provided by you in relation to your use of the Toqio website. Please read this privacy policy carefully.
In this privacy policy, the following definitions are used:
“Data” – Collectively, all information that you submit to Toqio Fintech Ltd via the Toqio website. This definition incorporates, where applicable, the definitions provided in Data Protection Laws.
“Cookie” – A small text file placed on your computer by the Toqio website when you visit certain parts of it and/or when you use certain features. Details of the cookies used by the Toqio Website are set out in the clause below (17. Cookies).
“Data Protection Laws” – Any applicable law relating to the processing of personal data, including but not limited to Directive 96/46/EC (Data Protection Directive) or GDPR, and any nationally implemented laws, regulations, and secondary legislation, for as long as GDPR is in effect.
“GDPR” – Refers to the General Data Protection Regulation (EU) 2016/679.
“Toqio Fintech Ltd” or “us” – Toqio Fintech Ltd, a company incorporated in England and Wales with registered number 43 whose registered office is at Harwood Rd, Fulham, SW6 4QP.
“UK and EU Cookie Law” – The Privacy and Electronic Communications Regulations 2003 (EC Directive) as amended by the Privacy and Electronic Communications Regulations 2011 (EC Directive Amendment).
“User” or “you” – Any third party that accesses the Toqio website and is not (i) employed by Toqio Fintech Ltd and acting in the course of his or her employment or (ii) engaged as a consultant or otherwise providing services to Toqio Fintech Ltd and accessing the Toqio website in connection with the provision of such services;
“Website” – The Toqio website that you are currently using, https://www.toq.io, and any sub-domains of this site unless expressly excluded by their own terms and conditions.
Unless the context requires a different interpretation,
We may collect the following data, which includes personal data, from you:
We collect data in the following ways:
Toqio Fintech Ltd will collect your data in a number of ways, for example:
Always in accordance with this privacy policy.
Toqio Fintech Ltd will receive data about you from the following third parties:
We will receive data about you from the following publicly available third party sources:
To the extent that you access the website, we will collect your data automatically, for example:
Any or all of the above data may be required by us from time to time in order to provide you with the best possible service and experience when using our website. Specifically, data may be used by us for the following reasons:
Always in accordance with this privacy policy.
We may use your data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see section “14. Your rights”, below).
When you register with us and set up an account to receive our services, the legal basis for this processing is the performance of a contract between you and Toqio and/or taking steps, at your request, to enter into such a contract.
We may share your data with the following groups of people for the following reasons:
Always in accordance with this privacy policy.
We will use technical and organizational measures to safeguard your data:
Technical and organizational measures include the means to deal with any suspected data breach. If you suspect any misuse or loss or unauthorized access to your data, please let us know immediately by contacting us via this e-mail address: support@toq.io.
If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses, and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by the UK government and leading businesses.
Unless a longer retention period is required or permitted by law, we will only hold your data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy or until you request that the data be deleted.
Even if we delete your data, it may persist on backup or archival media for legal, tax, or regulatory purposes.
You have the following rights with regard to your data:
To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your data (where consent is our legal basis for processing your data), please contact us via this e-mail address: support@toq.io.
If you are not satisfied with the way a complaint you make in relation to your data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner’s Office (ICO). The ICO’s contact details can be found on their website at https://ico.org.uk.
It is important that the data we hold about you is accurate and current. Please keep us informed if your data changes during the period in which we hold it.
This website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for their content. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.
Toqio Fintech Ltd may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of Toqio Fintech Ltd. Data provided by users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the data for the purposes for which it was originally supplied to us.
We may also disclose data to a prospective purchaser of our business or any part of it.
In the above instances, we will take steps to ensure your privacy is protected.
This Website may place and access certain cookies on your computer. Toqio Fintech Ltd uses cookies to improve your experience using the website and to improve our range of services. Toqio Fintech Ltd has carefully chosen these cookies and has taken steps to ensure that your privacy is protected and respected at all times.
All cookies used by this website are used in accordance with current UK and EU Cookie Law.
Before the website places cookies on your computer, you will be presented with a message bar requesting your consent to set those cookies. By giving your consent to the placing of cookies, you are enabling Toqio Fintech Ltd to provide you a better experience and service. You may, if you wish, deny consent to the placing of cookies but certain features of the website may not function fully or as intended.
This website may place the following cookies:
For your convenience, Google offers a tool to opt out of cookies used by Google Analytics.
You can choose to enable or disable cookies in your internet browser. By default, most internet browsers accept cookies but this can be changed. For further details, please consult the help menu in your internet browser.
You can choose to delete cookies at any time; however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.
It is recommended that you ensure that your internet browser is up to date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.
For more information generally on cookies, including how to disable them, please refer to aboutcookies.org. You will also find details on how to delete cookies from your computer.
You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.
If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal, or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected.
Unless otherwise agreed, no delay, act, or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
This agreement will be governed by and interpreted according to the law of England and Wales. All disputes arising under the agreement will be subject to the exclusive jurisdiction of English and Welsh courts.
Toqio Fintech Ltd reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the website and you are deemed to have accepted the terms of the privacy policy on your first use of the website following the alterations.
You may contact us by email at support@toq.io.
This privacy policy was created using a document provided by Rocket Lawyer (https://www.rocketlawyer.co.uk).
Project title: Advanced Integration and Data Management Technologies for Fintech Platforms
Project reference: CPP2021-008971
The project CPP2021-008971 is funded by MCIN/AEI /10.13039/501100011033 and by the European Union Next GenerationEU/ PRTR. Toqio aims to become a fully SaaS fintech platform of the future by integrating partners’ fintech capabilities and enabling customers to implement them easily and effectively.
Project CPP2021-008971 funded by:
01 April 2019