STANOK AG Privacy Policy,
Platform for buying and selling machines and services

1. Privacy Policy

We are very delighted that you have shown interest in our enterprise.
Data protection is a particularly high priority for the management of the STANOK AG which provides financial institutions, companies and cooperative societies with financial and other services, including but not limited to messaging and online calls. Our Privacy Policy helps explain our information (including message) practices.
For example, we talk about what information we collect and how this affects you.
We also explain the steps we take to protect your privacy - your calls and messages are protected by end-to-end encryption so that no third party is able to wiretap you or read your correspondence.
The use of the Internet pages (Sites) STANOK.EU; STANOK.RU; STANOK.CH; STANOK.IO in the following STANOK is possible without any indication of personal data; however, if a data subject wants to use special enterprise services via our webpage, processing of personal data could become necessary. If the processing of personal data is necessary and there is no statutory basis for such processing, we obtain consent from the data subject.
When we say STANOK ,"our," "we," or "us," we're talking about STANOK AG.
This Privacy Policy ("Privacy Policy") applies to all of our apps, services, features, softwares, and websites (together, "Services") unless specified otherwise.
The processing of personal data, such as the name, address, e-mail address, or telephone number of a data subject shall always be in line with the General Data Protection Regulation (GDPR), and in accordance with the country-specific data protection regulations applicable to the STANOK. By means of this Privacy Policy, our enterprise would like to inform the general public of the nature, scope, and purpose of the personal data we collect, use and process. Furthermore, data subjects are informed, by means of this Privacy Policy, of the rights to which they are entitled.
Like the controller, the STANOK has implemented numerous technical and organizational measures to ensure the most complete protection of personal data processed through this webpage. However, Internet-based data transmissions may in principle have security gaps, so absolute protection may not be guaranteed.
For this reason, every data subject is free to transfer personal data to us via alternative means, e.g. by telephone.
Please also read STANOK Terms of Use ("Terms"), which describes the terms under which you use our Services.

2. Definitions.

The Privacy Policy of the SANOK is based on the terms used by the European legislator for the adoption of the General Data Protection Regulation (GDPR).
Our Privacy Policy should be legible and understandable to the general public, as well as our customers and business partners. To ensure this, we would like to first explain the terminology used.

In this Privacy Policy, we use, inter alia, the following terms:
2.1) Personal data.
Personal data means any information relating to an identified or identifiable natural person (“data subject”). An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
2.2) Data subject.
The data subject is any identified or identifiable natural person, whose personal data is processed by the controller responsible for the processing.
2.3) Processing.
Processing is any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
2.4) Restriction of processing.
Restriction of processing is the marking of stored personal data with the aim of limiting their processing in the future.
2.5) Profiling.
Profiling means any form of automated processing of personal data consisting of the use of personal data to evaluate certain personal aspects relating to a natural person, in particular to analyse or predict aspects concerning that natural person's performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements. 2.6) Pseudonymisation.
Pseudonymisation is the processing of personal data in such a manner that the personal data can no longer be attributed to a specific data subject without the use of additional information, provided that such additional information is kept separately and is subject to technical and organizational measures to ensure that the personal data are not attributed to an identified or identifiable natural person.
2.7) Controller or controller responsible for the processing.
Controller or controller responsible for the processing is the natural or legal person, public authority, agency or another body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are determined by Union or Member State law, the controller or the specific criteria for its nomination may be provided for by Union or Member State law.
2.8) Processor.
The processor is a natural or legal person, public authority, agency or another body which processes personal data on behalf of the controller.
2.9) Recipient.
The recipient is a natural or legal person, public authority, agency or another body, to which the personal data are disclosed, whether a third party or not. However, public authorities which may receive personal data in the framework of a particular inquiry in accordance with Union or Member State law shall not be regarded as recipients; the processing of those data by those public authorities shall be in compliance with the applicable data protection rules according to the purposes of the processing.
2.10) Third party
The third party is a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorized to process personal data.

2.11) Consent
Consent of the data subject is any freely given, specific, informed and unambiguous indication of the data subject's wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

3. Name and Address of the controller.
Controller for the purposes of the General Data Protection Regulation (GDPR), other data protection laws applicable in Member states of the European Union and other provisions related to data protection is:


STANOK AG
General-Guisan-Strasse 6,
6300 Zug
Switzerland

4. Cookies.

The STANOK webpage use cookies. Cookies are text files that are stored in a computer system via an Internet browser.
Many Internet sites and servers use cookies. Many cookies contain a so-called cookie ID. A cookie ID is a unique identifier of the cookie. It consists of a character string through which Internet pages and servers can be assigned to the specific Internet browser in which the cookie was stored. This allows visited Internet sites and servers to differentiate the individual browser of the data subject from other Internet browsers that contain other cookies. A specific Internet browser can be recognized and identified using the unique cookie ID.
Through the use of cookies, the STANOK can provide the users of this webpage with more user-friendly services that would not be possible without the cookie setting.
By means of a cookie, the information and offers on our webpage can be optimized with the user in mind. Cookies allow us, as previously mentioned, to recognize our webpage users. The purpose of this recognition is to make it easier for users to utilize our webpage. The webpage user that uses cookies e.g. does not have to enter access data each time the webpage is accessed, because this is taken over by the webpage, and the cookie is thus stored on the user's computer system. Another example is the cookie of a shopping cart in an online shop. The online store remembers the articles that a customer has placed in the virtual shopping cart via a cookie.
The data subject may, at any time, prevent the setting of cookies through our webpage by means of a corresponding setting of the Internet browser used, and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. If the data subject deactivates the setting of cookies in the Internet browser used, not all functions of our webpage may be entirely usable.

5. Collection of general data and information.

The webpage of the STANOK collects a series of general data and information when a data subject or an automated system calls up the webpage. This general data and information are stored in the server log files. Collected may be 1) the browser types and versions used, 2) the operating system used by the accessing system, 3) the webpage from which an accessing system reaches our webpage (so-called referrers), 4) the sub-webpages, 5) the date and time of access to the Internet site, 6) an Internet protocol address (IP address), 7) the Internet service provider of the accessing system, and 8) any other similar data and information that may be used in the event of attacks on our information technology systems.

When using these general data and information, the STANOK does not draw any conclusions about the data subject. Rather, this information is needed to a) deliver the content of our webpage correctly, b) optimize the content of our webpage as well as its advertisement, c) ensure the long-term viability of our information technology systems and webpage technology, and d) provide law enforcement authorities with the information necessary for criminal prosecution in case of a cyber-attack. Therefore, the STANOK analyzes anonymously collected data and information statistically, with the aim of increasing the data protection and data security of our enterprise, and to ensure an optimal level of protection for the personal data we process. The anonymous data of the server log files are stored separately from all personal data provided by a data subject.

6. Registration on STANOK webpage.

The data subject has the possibility to register on the STANOK webpage of the controller with the indication of personal data. Which personal data are transmitted to the controller is determined by the respective input mask used for the registration. The personal data entered by the data subject are collected and stored exclusively for internal use by the controller, and for his own purposes. The controller may request a transfer to one or more processors (e.g. a parcel service) that also uses personal data for an internal purpose which is attributable to the controller.

By registering on the STANOK webpage of the controller, the IP address - assigned by the Internet service provider (ISP) and used by the data subject - date, and time of the registration is also stored. The storage of this data takes place against the background that this is the only way to prevent the misuse of our services, and, if necessary, to make it possible to investigate committed offenses. Insofar, the storage of this data is necessary to secure the controller. This data is not passed on to third parties unless there is a statutory obligation to pass on the data, or if the transfer serves the aim of criminal prosecution.

The registration of the data subject, with the voluntary indication of personal data, is intended to enable the controller to offer the data subject contents or services that may only be offered to registered users due to the nature of the matter in question. Registered persons are free to change the personal data specified during the registration at any time, or to have them completely deleted from the data stock of the controller.

The data controller shall, at any time, provide information upon request to each data subject as to what personal data are stored about the data subject. In addition, the data controller shall correct or erase personal data at the request or indication of the data subject, insofar as there are no statutory storage obligations. The entirety of the controller’s employees is available to the data subject in this respect as contact persons.

7. Subscription to our newsletters.

On the webpage of the STANOK, users may be given the opportunity to subscribe to our enterprise's newsletter. The input mask used for this purpose determines what personal data are transmitted, as well as when the newsletter is ordered from the controller.
The STANOK may inform its customers and business partners regularly by means of a newsletter about enterprise offers. The enterprise's newsletter may only be received by the data subject if 1) the data subject has a valid e-mail address and 2) the data subject registers for the newsletter shipping. A confirmation e-mail may be sent to the e-mail address registered by a data subject for the first time for newsletter shipping, for legal reasons, in the double opt-in procedure. This confirmation e-mail may be used to prove whether the owner of the e-mail address as the data subject is authorized to receive the newsletter.
During the registration for the newsletter, we also may store the IP address of the computer system assigned by the Internet service provider (ISP) and used by the data subject at the time of the registration, as well as the date and time of the registration. The collection of this data is necessary in order to understand the (possible) misuse of the e-mail address of a data subject at a later date, and it, therefore, serves the aim of the legal protection of the controller.
The personal data collected as part of a registration for the newsletter may only be used to send our newsletter. In addition, subscribers to the newsletter may be informed by e-mail, as long as this is necessary for the operation of the newsletter service or a registration in question, as this could be the case in the event of modifications to the newsletter offer, or in the event of a change in technical circumstances. There will be no transfer of personal data collected by the newsletter service to third parties. The subscription to our newsletter may be terminated by the data subject at any time. The consent to the storage of personal data, which the data subject has given for shipping the newsletter, may be revoked at any time. For the purpose of revocation of consent, a corresponding link is found in each newsletter. It is also possible to unsubscribe from the newsletter at any time directly on the webpage of the controller or to communicate this to the controller in a different way.

8. Newsletter-Tracking.

The newsletter of the STANOK contains so-called tracking pixels. A tracking pixel is a miniature graphics embedded in such e- mails, which are sent in HTML format to enable log file recording and analysis. This allows a statistical analysis of the success or failure of online marketing campaigns. Based on the embedded tracking pixel, the STANOK may see if and when an e-mail was opened by a data subject, and which links in the e-mail were called up by data subjects.

Such personal data collected in the tracking pixels contained in the newsletters are stored and analyzed by the controller in order to optimize the shipping of the newsletter, as well as to adapt the content of future newsletters even better to the interests of the data subject. These personal data will not be passed on to third parties. Data subjects are at any time entitled to revoke the respective separate declaration of consent issued by means of the double-opt-in procedure. After a revocation, these personal data will be deleted by the controller. The STANOK automatically regards a withdrawal from the receipt of the newsletter as a revocation.

9. Contact possibility via the STANOK webpage.

The webpage of the STANOK contains information that enables a quick electronic contact to our enterprise, as well as direct communication with us, which also includes a general address of the so-called electronic mail (e-mail address). If a data subject contacts the controller by e-mail or via a contact form, the personal data transmitted by the data subject are automatically stored. Such personal data transmitted on a voluntary basis by a data subject to the data controller are stored for the purpose of processing or contacting the data subject. There is no transfer of this personal data to third parties.

10. Routine erasure and blocking of personal data.

The data controller shall process and store the personal data of the data subject only for the period necessary to achieve the purpose of storage, or as far as this is granted by the European legislator or other legislators in laws or regulations to which the controller is subject to.
If the storage purpose is not applicable, or if a storage period prescribed by the European legislator or another competent legislator expires, the personal data are routinely blocked or erased in accordance with legal requirements.

11. Rights of the data subject.

11.1 Right of confirmation
Each data subject shall have the right granted by the European legislator to obtain from the controller the confirmation as to whether or not personal data concerning him or her are being processed. If a data subject wishes to avail himself of this right of confirmation, he or she may, at any time, contact any employee of the controller.
11.2 Right of access
Each data subject shall have the right granted by the European legislator to obtain from the controller-free information about his or her personal data stored at any time and a copy of this information. Furthermore, the European directives and regulations grant the data subject access to the following information:
- the purposes of the processing;
- the categories of personal data concerned;
- the recipients or categories of recipients to whom the personal data have been or will be disclosed, in particular recipients in third countries or international organizations;
- where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period;
- the existence of the right to request from the controller rectification or erasure of personal data, or restriction of processing of personal data concerning the data subject, or to object to such processing;
- the existence of the right to lodge a complaint with a supervisory authority;
- where the personal data are not collected from the data subject, any available information as to their source;
- the existence of automated decision-making, including profiling, referred to in Article 22(1) and (4) of the GDPR and, at least in those cases, meaningful information about the logic involved, as well as the significance and envisaged consequences of such processing for the data subject.

Furthermore, the data subject shall have a right to obtain information as to whether personal data are transferred to a third country or to an international organization. Where this is the case, the data subject shall have the right to be informed of the appropriate safeguards relating to the transfer.

If a data subject wishes to avail himself of this right of access, he or she may, at any time, contact any employee of the controller.
11.3 Right to rectification
Each data subject shall have the right granted by the European legislator to obtain from the controller without undue delay the rectification of inaccurate personal data concerning him or her. Taking into account the purposes of the processing, the data subject shall have the right to have incomplete personal data completed, including by means of providing a supplementary statement.

If a data subject wishes to exercise this right to rectification, he or she may, at any time, contact any employee of the controller. 

11.4 Right to erasure (Right to be forgotten)
Each data subject shall have the right granted by the European legislator to obtain from the controller the erasure of personal data concerning him or her without undue delay, and the controller shall have the obligation to erase personal data without undue delay where one of the following grounds applies, as long as the processing is not necessary:

The personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed. The data subject withdraws consent to which the processing is based according to the point (a) of Article 6(1) of the GDPR, or point (a) of Article 9(2) of the GDPR, and where there is no other legal ground for the processing.
The data subject objects to the processing pursuant to Article 21(1) of the GDPR and there are no overriding legitimate grounds for the processing or the data subject objects to the processing pursuant to Article 21(2) of the GDPR.

The personal data have been unlawfully processed.
The personal data must be erased for compliance with a legal obligation in Union or Member State law to which the controller is subject.
The personal data have been collected in relation to the offer of information society services referred to in Article 8(1) of the GDPR.
If one of the aforementioned reasons applies, and a data subject wishes to request the erasure of personal data stored by the STANOK, he or she may, at any time, contact any employee of the controller. An employee of STANOK shall promptly ensure that the erasure request is complied with immediately.
Where the controller has made personal data public and is obliged pursuant to Article 17(1) of the GDPR to erase the personal data, the controller, taking account of available technology and the cost of implementation, shall take reasonable steps, including technical measures, to inform other controllers processing the personal data that the data subject has requested erasure by such controllers of any links to, or copy or replication of, those personal data, as far as processing is not required. Employees of the STANOK will arrange the necessary measures in individual cases.
11.5 The right of restriction of processing
Each data subject shall have the right granted by the European legislator to obtain from the controller restriction of processing where one of the following applies:
The accuracy of the personal data is contested by the data subject, for a period enabling the controller to verify the accuracy of the personal data.
The processing is unlawful and the data subject opposes the erasure of the personal data and requests instead of the restriction of their use instead.
The controller no longer needs the personal data for the purposes of the processing, but they are required by the data subject for the establishment, exercise or defense of legal claims.
The data subject has objected to processing pursuant to Article 21(1) of the GDPR pending the verification whether the legitimate grounds of the controller override those of the data subject.
If one of the aforementioned conditions is met, and a data subject wishes to request the restriction of the processing of personal data stored by the STANOK, he or she may at any time contact any employee of the controller. The employee of the STANOK will arrange the restriction of the processing.
11.6 Right to data portability
Each data subject shall have the right granted by the European legislator, to receive the personal data concerning him or her, which was provided to a controller, in a structured, commonly used and machine-readable format. He or she shall have the right to transmit those data to another controller without hindrance from the controller to which the personal data have been provided, as long as the processing is based on consent pursuant to point (a) of Article 6(1) of the GDPR or point (a) of Article 9(2) of the GDPR, or on a contract pursuant to point (b) of Article 6(1) of the GDPR, and the processing is carried out by automated means, as long as the processing is not necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller.
Furthermore, in exercising his or her right to data portability pursuant to Article 20(1) of the GDPR, the data subject shall have the right to have personal data transmitted directly from one controller to another, where technically feasible and when doing so does not adversely affect the rights and freedoms of others.
In order to assert the right to data portability, the data subject may at any time contact any employee of the STANOK.
11.7 Right to object
Each data subject shall have the right granted by the European legislator to object, on grounds relating to his or her particular situation, at any time, to processing of personal data concerning him or her, which is based on point (e) or (f) of Article 6(1) of the GDPR. This also applies to profile based on these provisions.
The STANOK shall no longer process the personal data in the event of the objection unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights, and freedoms of the data subject, or for the establishment, exercise or defense of legal claims.
If the STANOK processes personal data for direct marketing purposes, the data subject shall have the right to object at any time to the processing of personal data concerning him or her for such marketing. This applies to profile to the extent that it is related to such direct marketing. If the data subject objects to the STANOK to the processing for direct marketing purposes, the STANOK will no longer process the personal data for these purposes.
In addition, the data subject has the right, on grounds relating to his or her particular situation, to object to processing of personal data concerning him or her by the STANOK for scientific or historical research purposes, or for statistical purposes pursuant to Article 89(1) of the GDPR, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

In order to exercise the right to object, the data subject may contact any employee of the STANOK. In addition, the data subject is free in the context of the use of information society services, and notwithstanding Directive 2002/58/EC, to use his or her right to object by automated means using technical specifications.

11.8 Automated individual decision-making, including profiling.
Each data subject shall have the right granted by the European legislator not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her, or similarly significantly affects him or her, as long as the decision (1) is not is necessary for entering into, or the performance of, a contract between the data subject and a data controller, or (2) is not authorised by Union or Member State law to which the controller is subject and which also lays down suitable measures to safeguard the data subject's rights and freedoms and legitimate interests, or (3) is not based on the data subject's explicit consent.
If the decision (1) is necessary for entering into, or the performance of, a contract between the data subject and a data controller, or (2) it is based on the data subject's explicit consent, the STANOK shall implement suitable measures to safeguard the data subject's rights and freedoms and legitimate interests, at least the right to obtain human intervention on the part of the controller, to express his or her point of view and contest the decision.
If the data subject wishes to exercise the rights concerning automated individual decision-making, he or she may, at any time, contact any employee of the STANOK.
11.9 Right to withdraw data protection consent
Each data subject shall have the right granted by the European legislator to withdraw his or her consent to the processing of his or her personal data at any time.
If the data subject wishes to exercise the right to withdraw the consent, he or she may, at any time, contact any employee of the STANOK.
Data protection provisions about the application and use of messaging app.
On this webpage, the controller may integrate components of messaging app.
Messaging app works with a focus on speed and security. Users can use messaging app on all devices at the same time — messages sync seamlessly across any number of your phones, tablets or computers.
With messaging app, users can send messages, photos, videos and files of any type (doc, zip, mp3, etc.), as well as create groups for up to 100,000 people or channels for broadcasting to unlimited audiences. Users can write to users’ phone contacts and find people by their usernames. As a result, the messaging app is like SMS and email combined — and can take care of all personal or business messaging needs.

12. The operating company of messaging app is Controller.

With each call-up to one of the individual pages of this Webpage, which is operated by the controller and on which a messaging app component (app button) was integrated, the Internet browser on the information technology system of the data subject is automatically prompted to download a display of the corresponding messaging app component of messaging app. The purpose of the integration of the messaging app component is a retransmission of the contents of this webpage to allow our users to introduce this webpage to the digital world, t have an additional way of communicating with us through the messaging app components.

13. The legal basis for the processing.

Art. 6(1) lit. a GDPR serves as the legal basis for processing operations for which we obtain consent for a specific processing purpose. If the processing of personal data is necessary for the performance of a contract to which the data subject is a party, as is the case, for example, when processing operations are necessary for the supply of goods or to provide any other service, the processing is based on Article 6(1) lit. b GDPR. The same applies to such processing operations which are necessary for carrying out pre-contractual measures, for example in the case of inquiries concerning our products or services. Is our company subject to a legal obligation by which processing of personal data is required, such as for the fulfillment of tax obligations, the processing is based on Art. 6(1) lit. c GDPR. In rare cases, the processing of personal data may be necessary to protect the vital interests of the data subject or of another natural person. This would be the case, for example, if a visitor were injured in our company and his name, age, health insurance data or other vital information would have to be passed on to a doctor, hospital or another third party. Then the processing would be based on Art. 6(1) lit. d GDPR. Finally, processing operations could be based on Article 6(1) lit. f GDPR. This legal basis is used for processing operations which are not covered by any of the abovementioned legal grounds, if processing is necessary for the purposes of the legitimate interests pursued by our company or by a third party, except where such interests are overridden by the interests or fundamental rights and freedoms of the data subject which require protection of personal data. Such processing operations are particularly permissible because they have been specifically mentioned by the European legislator. He considered that a legitimate interest could be assumed if the data subject is a client of the controller (Recital 47 Sentence 2 GDPR).

14. The legitimate interests pursued by the controller or by a third party.

Where the processing of personal data is based on Article 6(1) lit. f GDPR our legitimate interest is to carry out our business in favor of the well-being of all our employees and the shareholders.

15. The period for which the personal data will be stored.

The criteria used to determine the period of storage of personal data is the respective statutory retention period. After the expiration of that period, the corresponding data is routinely deleted, as long as it is no longer necessary for the fulfillment of the contract or the initiation of a contract.
Provision of personal data as statutory or contractual requirement; Requirement necessary to enter into a contract; Obligation of the data subject to provide the personal data; possible consequences of failure to provide such data.
We clarify that the provision of personal data is partly required by law (e.g. tax regulations) or can also result from contractual provisions (e.g. information on the contractual partner). Sometimes it may be necessary to conclude a contract that the data subject provides us with personal data, which must subsequently be processed by us. The data subject is, for example, obliged to provide us with personal data when our company signs a contract with him or her. The non-provision of the personal data would have the consequence that the contract with the data subject could not be concluded. Before personal data is provided by the data subject, the data subject must contact any employee. The employee clarifies to the data subject whether the provision of the personal data is required by law or contract or is necessary for the conclusion of the contract, whether there is an obligation to provide the personal data and the consequences of non-provision of the personal data.

16. Links to other sites.

The controller’s webpage may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

17. Children's Privacy.

The controller’s webpage does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

18. Changes to this Privacy Policy.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

19. INFORMATION WE COLLECT ABOUT YOU

We will collect and process the following data about you:
19.1. Information you give us as "Submitted information": This is information you give us about you by filling in forms on the App and/or the Site, or by corresponding with us (for example, by e-mail or via the chat functions on the App and/or the Site). It includes information you provide when you register to use the App, download or register the App, subscribe to any of our services, enter into any transaction on the App or the Site (such as a Top Up, Instant Transfer, STANOK Bank Transfer, Electronic (Virtual) Money Exchange), participate in discussion boards or other social media functions on the App or the Site, enter a competition,
promotion or survey and when you report a problem with an App, the Services, or the Site. If you contact us, we will keep a record of that correspondence. The information you give us may include your name, address, date of birth, e-mail address, phone number, the Device's phone number, username, password and other registration information, financial, details of your bank account including the bank account number, bank sort code, IBAN, details of your debit and credit cards including the long number, relevant expiry dates and CVC,
identification document numbers, copies of identification documents (for example, passport, driving license and utility bill) personal description and photograph and any other information you provide us in order to prove your eligibility to use our services.
19.2. Information we collect about you and your device. Each time you visit the App or our Site we will automatically collect the following information:
19.2.1 technical information, including the internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, device information and the type of mobile device you use, a unique device identifier (for example, your Device's IMEI number, the MAC address of the Device's wireless network interface, or the mobile phone number used by the Device), mobile network information, your mobile operating system, the type of mobile browser you use, time zone setting "Device Information"; 19.2.2 information about your visit, including the full uniform resource locators (URL), clickstream to, through and from our site (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, device information;
19.2.3 transaction information including date, time, amount, currencies used, exchange rate, beneficiary details, details and location of the merchant or ATMs associated with the transaction, IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received with the payment, device information used to facilitate the payment and the payment instrument used;
19.2.4 information stored on your Device, including if you allow STANOK access contact information from your address book, login information, photos, videos or other digital content, check ins (Content Information). The App will periodically recollect this information in order to stay up-to-date;
19.2.5 details of your use of our App or your visits to our Site including transaction details relating to your use of our services, including who you have sent money or electronic money to, foreign exchange transactions you have entered into, the time, date and location of the place the transaction was entered into.
19.3 Location Information. We use GPS technology and your IP address to determine your location - this may be used when the App is running in the foreground and the background of your Device. This is used to prevent fraud, for instance if your mobile phone is saying that you are based in the Switzerland but your card is being used to enter into an ATM Withdrawal or point of sale purchase in UK, we may not allow that transaction to be processed. Our card protection and fraud-prevention measures require this personal data for the feature to
work. If you wish to use the particular feature, you will be asked to consent to your data being used for this purpose. You can withdraw your consent at any time by disabling location permission for the STANOK App within your device settings "Location Information".

19.4 Information to help us deliver our service to you. We work closely with third parties in order to help us deliver our Service to you. These third parties are business partners financial institutions, cooperative societies, insurance companies, etc. (such as those we partner with to offer additional STANOK Services like credit or insurance ), subcontractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies, fraud prevention agencies, customer service providers logistic and developers. Information we may collect about you from such parties can include credit

search information, information which helps us to verify your identity or information relating to your payment transactions. Please see the 'Disclosure of your Information' section for more information.
If you allow us to, we will collect friend lists from Facebook and similar information from other third parties such as Twitter and Google - the App will periodically re-collect this information in order to stay up-to-date.

20. Information You Share Publicly

Some of our Services allow you to share information with others on a public basis. If you post information on a public feature of our Services or through social media sites, plug-ins or other applications, do not forget this information is public on our Services and, depending upon your privacy settings, may also become public on the Internet. When you post on Communities, the admin of the Community has the ability to allow everybody to access it, but you can always actively delete messages you posted.

We cannot prevent or control further use of this information so please make sure you only post information that you're happy to be seen publicly. We may also use further such public information you share, for various reasons, such as improving our service and providing you with relevant content, and analyzing trends.
You can control what data you share through privacy settings available on some social media sites. Please refer to those third- party sites' privacy policies and terms of use to learn more about their privacy practices, as we do not control these.

At this stage, whatever you share publicly is available to the entire STANOK community. If you wish to remove a certain piece of content you have shared in the past, you can do that by deleting that content. It will be removed from our services but may remain on local devices of some users (assuming they have chosen to save it).

21. USES MADE OF THE INFORMATION

Below is a summary of the key types of data that we make use of as part of the STANOK Services. For more information on how these types of data are used and for which purposes then please see the table below. We use information held about you in the following ways:
21.1 Submitted Information: We will use this information:
to carry out our obligations arising from any transactions you enter into with us and to provide you with the information, products and services that you request from us; to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. Please see the section on 'Third Party Services' below for more information; to verify your identity to protect against fraud, comply with financial crime laws and to confirm your eligibility to use our products and services; to notify you about changes to our service;
to facilitate social interactions through our services and to make you aware if any of your contacts who are STANOK Users and have location services enabled, are in the same area as you. You can switch off location services in relation to this feature in the privacy settings of the payments section of the STANOK App; to make you aware if any of your contacts who are STANOK Users have utilised any of STANOK products or features. You can ask us to stop sending you marketing pushes at any time by adjusting your marketing
preferences via the privacy section of the STANOK App; and
to ensure that content from our site is presented in the most effective manner for you and for your computer.
21.2 Device Information: We will use this information:
to administer our Site and the App for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
to improve our Site and the App to ensure that content is presented in the most effective manner for you and for your computer; to allow you to participate in interactive features of our service, when you choose to do so;
as part of our efforts to keep our Site and the App safe and secure;
to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; to make suggestions and recommendations to you and other users of our Site and the App about goods or services that may interest you or them;
to verify your identity, protect against fraud, comply with anti-financial crime laws and to confirm your eligibility to use our products and services; and to comply with our regulatory obligations.
21.3 Location Information: We will use this information:
to deliver relevant advertising to you, for example, information on nearby merchants;
to protect against fraud; and to make you aware if any of your contacts, who are STANOK Users and have location services enabled, are in the same area as you. You can switch off location services in relation to this feature in the privacy settings of the payments section of the STANOK App.
21.4 Third Party Information: We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information:
to help us better understand your financial circumstances and behavior so that we may make decisions about how we manage your STANOK Account;
to process applications for products and services available through us including making decisions about whether to agree to approve any applications; and for the purposes set out above (depending on the types of information we receive). We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined. For example, we may use credit reference agencies to carry out credit searches on you, so that,
when you apply for credit products or when we suggest credit products to you via the STANOK App, we will be able to tailor our credit offering to your needs. The use of credit reference agencies and fraud prevention agencies is not limited to such agencies based in Switzerland and includes such agencies overseas. Any such search under this section may leave a footprint on your credit file. You acknowledge that we may carry out such credit search in the knowledge that it may leave a footprint on your credit history. We do not allow joint account holders, however in certain circumstances credit reference agencies may link your record with your spouse, partner or other financial associate. In certain circumstances, you are entitled to access your personal records held by credit and fraud prevention agencies. If you would like details of the credit reference and fraud prevention agencies from which we have obtained or may obtain information about you, please contact us via in-App support. You can withdraw your consent to be credit searched at any time by contacting a member of our support team via our in-App chat function.

If we decide to engage advertisers to promote our products and services, the advertisers and their advertising networks may require anonymised personal data to serve relevant adverts to you and others. We will never disclose identifiable information about individuals to advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help our advertising partners provide a tailored and targeted campaign, relevant for a sub-section of our users (e.g. men in Switzerland).

In some instances we may use personal data we have collected from you to enable our advertising partners to display their advertisement to their target audience.

22. Your Choices

We want you to have control over how you communicate. That is why, for example, we allow you to delete messages even after they have been sent (it will be deleted for you, your friend and our service). You can also control your privacy settings within the App to change the visibility of your online status or prevent other users from knowing which STANOK apps and Services you are using. You can disable the "seen" notification so that other users do not know whether you've read a message yet. You can choose not to share your photo, opt not to receive location-based messages along with many other additional options, which are available within the app. You can also make additional choices on your phone's settings by changing our app's permissions such as location sharing, access to contact list and more.

Every now and then, STANOK may send you updates about administration and operation of the Service (for example, about your transactions, policy changes, technical issues, etc.). We may also send notifications about offerings by STANOK or third parties, that we think may be of interest to you. If you do not wish to receive such notifications, you may adjust your system settings to decline them.

23. Managing Your Information

If you would like to manage, change, limit, or delete your information, we allow you to do that through the following tools:
23.1 Services Settings. You can change your Services settings to manage certain information available to other users. You can manage your contacts, groups, and broadcast lists, or use our block feature to manage the users with whom you communicate. 23.2 Changing Your Mobile Phone Number, Profile Name and Picture, and Status Message. You must change your mobile phone number using our in-app change number feature and transfer your account to your new mobile phone number. You can also change your profile name, profile picture, and status message at any time.
23.3 Deleting Your STANOK Account. You may delete your STANOK account at any time (including if you want to revoke your consent to our use of your information) using our in-app delete my account feature. When you delete your STANOK account, your undelivered messages are deleted from our servers as well as any of your other information we no longer need to operate and provide our Services. Be mindful that if you only delete our Services
from your device without using our in-app "Delete my account" feature, your information may be stored with us for a longer period. Please remember that when you delete your account, it does not affect the information other users have relating to you, such as their copy of the messages you sent them.

24. Law And Protection

We may collect, use, preserve, and share your information if we have a good-faith belief that it is reasonably necessary to: (a) respond pursuant to applicable law or regulations, to legal process, or to government requests; (b) enforce our Terms and any other applicable terms and policies, including for investigations of potential
violations; (c) detect, investigate, prevent, and address fraud and other illegal activity, security, or technical issues; or (d) protect the rights, property, and safety of our users.

25. Our Global Operations

You agree to our information practices, including the collection, use, processing, and sharing of your information as described in this Privacy Policy, as well as the transfer and processing of your information to Singapore and other countries globally where we have or use facilities, service providers, or partners, regardless of where you use our Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

26. Updates To Our Policy

We may amend or update our Privacy Policy. we will provide you with notice of amendments to this Privacy Policy, as appropriate, and update the "Last Modified" date at the top of this Privacy Policy. Your continued use of our Services confirms your acceptance of our Privacy Policy, as amended. If you do not agree to our Privacy Policy, as amended, you must stop using our Services. Please review our Privacy Policy from time to time.

27. Contact Us

Should any questions arise, feel free to contact us on STANOK through Help chat on top of your dialogs. 


STANOK AG
General-Guisan-Strasse 6,
6300 Zug

Switzerland
CH Ref-Nr.: 694272, CH-VAT MwSt.: CHE-114.134.096





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