1- Definitions and interpretation
Data– collectively all information that you submit to TOQIO Fintech LTD via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;
Cookies– a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below (Cookies);
Data Protection Laws – any applicable law relating to the processing of personal Data, including but not limited to the Directive 96/46/EC (Data Protection Directive) or the GDPR, and any national implementing laws, regulations and secondary legislation, for as long as the GDPR is effective in the UK;
GDPR – 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 (EC Directive) Regulations 2003 as amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011;
User or you – any third party that accesses the Website and is not either (i) employed by TOQIO Fintech LTD and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to TOQIO Fintech LTD and accessing the Website in connection with the provision of such services;
Website – the 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.
4- Data collected
We may collect the following Data, which includes personal Data, from you:
5- How we collect Data
We collect Data in the following ways:
6- Data that is given to us by you
TOQIO Fintech LTD will collect your Data in a number of ways, for example:
7- Data that is received from third parties
TOQIO Fintech LTD will receive Data about you from the following third parties:
8- Data that is received from publicly available third parties sources
We will receive Data about you from the following publicly available third party sources:
9- Data that is collected automatically
To the extent that you access the Website, we will collect your Data automatically, for example:
10- Our use of Data
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:
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 the section headed “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 us and/or taking steps, at your request, to enter into such a contract.
11- Who we share Data with
We may share your Data with the following groups of people for the following reasons:
12- Keeping Data secure
We will use technical and organisational measures to safeguard your Data, for example:
Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this e-mail address: firstname.lastname@example.org.
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 HM Government and leading businesses.
13- Data retention
Even if we delete your Data, it may persist on backup or archival media for legal, tax or regulatory purposes.
14- Your rights
You have the following rights in relation 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: email@example.com.
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 for which we hold it.
15- Links to other websites
16- Changes of business ownership and control
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 with the aim of ensuring your privacy is protected.
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 a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.
This Website may place the following Cookies:
18- Strictly necessary cookies – These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
19- Analytical/performance cookies -They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
20- Functionality cookies – These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
You can find a list of Cookies that we use:
Google – Used for analytics and service improvement
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.
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 the English and Welsh courts.
You may contact TOQIO Fintech LTD by email at firstname.lastname@example.org
01 April 2019