privacy policy
This policy explains what the Client may expect from Vmcardio and what Vmcardio need from the
Client in relation to personal data provided by the Client. Please read this carefully as this policy is
legally binding when the Client uses Vmcardio Services. Unless the context otherwise requires,
each capitalized term used but not defined herein shall have the meaning ascribed to it in the
General Terms and Conditions.For the purpose of the relevant data protection regulations,
Vmcardio LLC shall be the “Data Controller” of the information hereunder. If there shall be any
questions about how Vmcardio protects or use the data, please contact [email protected].
As Vmcardio Services shall be only used by business rather than individuals, in this Policy, by “your
personal information” or “your personal data”, we mean the personal information and data
provided by you of your executives, directors, employees, agents, or legal representative.
1. How do we protect your personal information.
1.1 We are serious about guarding the security of your personal information and use a secure
server to store your personal information. All information you provide to us is stored on our
secure servers.1.2 As you will know, the transmission of information via the internet is not
completely secure. Although we will do our best to protect your personal data, we cannot
guarantee the security of your data during transmission, and any transmission is at your own risk.
Once we have received your information, we will use strict procedures and security features to try
to prevent unauthorized access.1.3 We restrict access of your personal information to those
employees of Vmcardio who have a business reason for knowing such information. We
continuously educate and train our employees about the importance of confidentiality and
privacy of customer information. We maintain physical, electronic and procedural safeguards that
comply with the relevant laws and regulations to protect your personal information from
unauthorized access.
2. Information we may collect from you.
We may collect and use the following data about you:2.1 Information you give us.(a) You may give
us information about you when you sign up to use our service, e.g. when you provide us with
personal details, such as name, address, email address, ID number, and/or phone number of your
executives, directors, employees, agents, or legal representative. This also includes information
you provide through your continued use of Vmcardio Services, participate in discussion boards or
other social media functions on our Website or App, enter a competition, promotion or survey,
and when you report a problem with Vmcardio Services. The information you give us may include
the name, address, e-mail address, phone number, financial information (including credit card,
debit card, or bank account information), payment reason, geographical location, ID number,
social security number, personal description and photograph of your executives, directors,
employees, agents, or legal representative.(b) We may also need additional commercial and/or
identification information from you e.g. if you send or receive certain high-value or high volume
transactions or as needed to comply with our anti-money laundering obligations under applicable
law.(c) In providing the personal data of any individual by you to us during your use of Vmcardio
Services, you promise that you have obtained consent from such individual to disclose his/her
personal data to us, as well his/her consent to our collection, use and disclosure of such personal
data, for the purposes set out in this Privacy Policy.
2.2 Information we collect about you.With regard to your use of Vmcardio Services we may
automatically collect the following information:(a) details of the transactions you carry out when
using Vmcardio Services, including geographic location from which the transaction originates;(b)
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;(c) information about your visit,
including the full Uniform Resource Locators (URL) clickstream to, through and from our Website
or App (including date and time); products 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), and methods used to browse away from the page and any phone
number used to call our Customer Support number.
2.3 Information we receive from other sources. We may receive information about you if you use
any of the other websites we operate or the other services we provide. We are also working
closely with third parties and may receive information about you from them.For example:the
banks you use to transfer money to us will provide us with your basic personal information, such
as your name and address, as well as your financial information such as your bank account
details;business partners may provide us with your name and address, as well as financial
information, such as card payment information;advertising networks, analytics providers and
search information providers may provide us with pseudonymized information about you, such as
confirming how you found our website;credit reference agencies do not provide us with any
personal information about yourself, but may be used to corroborate the information you have
provided to us.
3. Cookies
3.1 Vmcardio Services use cookies to distinguish you from other users. This helps us to provide
you with a good experience and also allows us to improve our services.
3.2 Vmcardio also uses the following types of cookies:Analytical and performance cookies These
allow us to recognize and count the number of visitors to our website, and see how visitors
browse around our website, so we can improve it where necessary.Targeting cookies These allow
us to see what pages and links you have visited so we can provide more relevant ads. We may
share this information with other organizations for the same purpose.Google Analytics cookies
These identify and analyses website trends, but do not identify you individually.These cookies are
all "session cookies", which means that they will end when you close your website browser.
4. Uses made of the information
We use your information in the following ways:(a) to carry out our obligations relating to your
contract with us and to provide you with the information, products and services;(b) to comply
with any applicable legal and/or regulatory requirements;(c) to notify you about changes to
Vmcardio Services;(d) as part of our efforts to keep Vmcardio Services safe and secure;(e) to
administer Vmcardio Services and for internal operations, including troubleshooting, data
analysis, testing, research, statistical and survey purposes;(f) to improve Vmcardio Services and to
ensure that they are presented in the most effective manner;(g) to measure or understand the
effectiveness of advertising we serve and to deliver relevant advertising to you;(h) to allow you to
participate in interactive features of Vmcardio Services, when you choose to do so;(i) to provide
you with information about other similar goods and services we offer;(j) to provide you, or permit
selected third parties to provide you, with information about goods or services we feel may
interest you; or(k) to combine information, we receive from other sources with the information
you give to us and information we collect about you. We may use this information and the
combined information for the purposes set out above (depending on the types of information we
receive).
5. Disclosure of your information
5.1 We may share your information with selected third parties including:(a) affiliates, business
partners, suppliers and sub-contractors for the performance and execution of any contract we
enter into with them or you;(b) advertisers and advertising networks solely to select and serve
relevant adverts to you and others; and(c) analytics and search engine providers that assist us in
the improvement and optimization of our site; and(d) our group entities or subsidiaries - which
can be found by clicking here.
5.2 We may disclose your personal information to third parties:(d) in the event that we sell or buy
any business or assets, in which case we may disclose your personal data to the prospective seller
or buyer of such business or assets;(e) if we are under a duty to disclose or share your personal
data in order to comply with any legal obligation, or in order to enforce or apply our Customer
Agreement and other applicable agreements; or to protect the rights, property, or safety of
Vmcardio, our customers, or others. This includes exchanging information with other companies
and organizations for the purposes of fraud protection and credit risk reduction;(f) to assist us in
conducting or co-operating in investigations of fraud or other illegal activity where we believe it is
reasonable and appropriate to do so;(g) to prevent and detect fraud or crime;(h) in response to a
subpoena, warrant, court order, or as otherwise required by law;(i) to assess financial and
insurance risks;(j) to recover debt or in relation to your insolvency; and(k) to develop customer
relationships, services and systems.
5.3 We do not have a published list of all of the third parties with whom we share your data with,
as this would be heavily dependent on your specific use of Vmcardio Services.
6. Where we store your personal data
6.1 The data that we collect from you shall be stored within the territory of the United States of
America. In the event that applicable laws and regulations requires otherwise, we may transfer
and store the data to Mainland China. Thus, such data may be transferred to, and stored at, a
destination outside the European Economic Area ("EEA"). It may also be processed by staff
operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged
in, among other things, the fulfilment of your payment order, the processing of your payment
details and the provision of support services. By submitting your personal data, you agree to this
transfer, storing or processing. We will take all steps reasonably necessary to ensure that your
data is treated securely and in accordance with this privacy policy.
7. Sharing your data outside of the EEA
7.1 In order to provide Vmcardio Services to you, it is sometimes necessary for us to transfer your
data to the third parties through the border of Mainland China and/or the EEA. In these cases, we
ensure that both ourselves and our partners take adequate and appropriate technical, physical
and organizational security measures to protect your data. We also ensure we have appropriate
contractual protections in place with these third parties.
8. Profiling and Automated Decision Making
8.1 We may use some instances of your data in order customize Vmcardio Services and the
information we provide to you, and to address your needs - such as your country of address and
transaction history. For example, if you frequently send funds from one particular currency to
another, we may use this information to inform you of new product updates or features that may
be useful for you. When we do this, we take all necessary measures to ensure that your privacy
and security are protected - and we only use pseudonymized data where ever possible. This
activity has no legal effect on you.
9. Data Retention
9.1 As a regulated financial institution, Vmcardio is required by law to store some of your personal
and transactional data beyond the closure of your account with us. Your data is only accessed
internally on a need-to-know basis, and it will only be accessed or processed if absolutely
necessary.9.2 We will always delete data that is no longer required by a relevant law or jurisdiction
in which we operate.9.3 Retention periods defined for the storage of your data can be found by
clicking here.
10. Your Rights
10.1 You have the right to ask us not to contact you for marketing purposes by contacting us via
the customer manager appointed by Vmcardio as shown on the Dashboard or at [email protected].
10.2 You have the right to correct any personal information We hold on you that is inaccurate,
incorrect, or out of date.
10.3 You have the right to ask us to delete your data when it is no longer necessary, or no longer
subject to a legal obligation to which Vmcardio is subject to.
10.4 You have the right to transfer your personal data between data controllers, for example, to
move your account details from one online platform to another.
10.5 Vmcardio Services may, from time to time, contain links to and from the websites of our
partner networks, advertisers and affiliates. If you follow a link to any of these websites, please
note that these websites have their own privacy policies and that we do not accept any
responsibility for them. Please check these policies before you submit any personal data to these
websites.
11. Access to Information
11.1 Subject to applicable laws, you may have the right to access information we held about you.
Your right of access can be exercised in accordance with the relevant data protection legislation.
12. Changes to this Policy
12.1 Any changes we may make to our privacy policy will be posted on this page and, where
appropriate, notified to you by e-mail. Please check back frequently to see any updates or
changes to our privacy policy.