Privacy Policy

This privacy policy (“Policy”) explains how Qapita Fintech Pte. Ltd. or any of its Affiliates (“Qapita”, “We”, “Us”, “Our”) Processes Personal Data which Qapita collects from You.

1. Definitions

1.1“Affiliate”means, with respect to any specified person, any other person that directly or indirectly through one or more intermediaries, Controls, is Controlled by, or is under common Control with such specified person.

1.2“Data Intermediary”means an organisation which Processes personal data on behalf of another organisation but does not include an employee of that other organisation.

1.3“End-User” means any person or entity with whom the Subscriber interacts using the Service(s).

1.4 “Personal Data” means data, whether true or not, about an individual who can be identified — a) from that data; or b) from that data and other information to which the organisation has or is likely to have access.

1.5 “Process”means 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.

1.6 “Service(s)” shall have the meaning ascribed to it in the Terms.

1.7 “Subscriber” means the natural or legal person that has subscribed to the Service(s) by agreeing to the Terms.

1.8 “Terms” means the binding contract between Qapita and You which governs the access and use of the Service(s) by You available athttps://www.qapita.com/terms-and-conditions.

1.9 “Website(s)” means the websites that Qapita operates.

1.10 “You” and “Your” means an identified or identifiable natural person whose Personal Data Qapita Processes.

2. How your data is collected

2.1You directly provide Qapita with most of the data We collect. Qapita collects Personal Data from You when You:

a. Subscribe for any of Qapita’s Service(s) by agreeing to the Terms;

b. Use or view Qapita’s Website(s) via Your browser’s Cookies;

c. When You download and use the Service(s), Qapita automatically collects information on the type of   device You use, and the operating system version, to perform Our agreement with You.

2.2Qapita may also receive Your Personal Data indirectly as follows: a) from third party sources like databases and social media but only where We have checked that these third parties either have Your consent or are otherwise legally permitted or required to disclose your personal information to us; b) Qapita may also obtain Personal Data if You authorize Qapita to connect with a third-party service. Qapita will access and store Your name, email address(es), current city, profile picture URL, and other Personal Data that the third-party service makes available to Qapita, and use and disclose it in accordance with this Policy.

2.2The Website(s) includes social media features and widgets that are either hosted by a third-party or hosted directly on the Website(s) and Your interaction with these social media features and widgets is governed by the privacy statement of the companies that provide them. You should check Your privacy settings on these third-party services to understand and change the information sent to Qapita through these services.

3. PURPOSES FOR WHICH PERSONAL DATA WILL BE PROCESSED

Qapita Processes Your Personal Data to:

a. facilitate Your access to the Website(s) and Service(s);

b. process and complete payment transactions;

c. provide customer service and support;

d. send You communication on Your use of the Service(s), updates on Our Terms or other policies,

e. send You communication on new features in the Service(s) or new service offerings;

f. conduct research, analysis and development activities (including but not limited to data analytics, surveys and/or profiling) to improve Our Service(s) and facilities in order to enhance Your relationship with Us or for Your benefit, or to improve any of Our Service(s) for Your benefit.

g. organise seminars, events or other marketing/ promotional activities;

h. investigate and prevent fraudulent transactions, unauthorized access to the Websites and Service(s), and other illegal activities;

i. personalize the Websites and Service(s); and