隐私政策
概述
本隐私政策（以下简称“本政策”）解释了出海凯特如何收集、使用和披露个人信息。本政策适用于出海凯特的服务、网站、应用程序和机器的用户（以下简称“您”），以及出海凯特的所有服务。
通过使用我们的服务，在适用法律允许的范围内，您同意我们根据本政策、我们的 Cookie 政策以及我们可能与之签订的任何其他合同（包括但不限于商户服务协议）收集和处理您的信息。尽管本政策中描述的所有要素可能并非都需要获得您的同意。对于特定类型的信息或处理方式，我们可能会为您提供选择，或要求您就我们收集的信息以及我们如何处理这些信息提供进一步的同意。如果您不同意这些政策中规定的条款，我们无权允许您使用服务，并且您必须立即停止使用。
Ⅰ. 我们收集的信息
个人信息。通过使用我们的服务，我们可能会收集以下类别的个人信息（“个人信息”）的公司董事、受益所有人或授权人员：我们向其提供服务的商家
– 姓名
– 出生日期
– 出生地和国籍
– 身份证明文件，如护照复印件、国家身份证件或当地法律要求的其他文件，这些文件的复印件可能包括您的面部照片
– 家庭住址、电子邮件地址和其他联系信息
我们可能会要求提供额外的信息，例如但不限于财务状况、就业细节和经验，以支持商户账户申请。我们也会根据需要使用我们自己的记录和其他来源的信息。
我们处理您的个人信息是为了履行我们的法律、法规和合同义务，并向您提供服务。我们永远不会向您收集任何不必要的个人信息，并且不会以本政策中未规定的方式处理您的信息。
在某些情况下，为了向我们提供服务或履行我们的法律义务，您可能需要向我们提供个人信息。在其他情况下，您可以选择是否向我们提供个人信息。然而，如果我们要求您提供的任何个人信息未提供，我们可能无法继续提供服务给您。
我们尽一切努力维护我们存储的个人信息准确性和完整性，并确保所有您的个人信息都是最新的。然而，如果您个人信息有任何变更，请及时联系我们以协助我们。对于您提供的不准确、不真实、不充分或不完整的个人信息所导致的任何损失，我们将不承担责任。
Ⅱ. 我们如何使用您的信息
我们仅在以下情况下处理您的个人信息：
- 处理是履行我们的法律义务所必需的，包括：
– 进行反洗钱、金融和信用检查，以及为欺诈和犯罪预防及侦测目的；
– 履行我们的法律和监管义务；以及
– 履行法院命令，行使和/或捍卫我们的合法权利，如任何适用法律或法规所允许或要求的其他方式
- 处理是履行您参与的合同所必需的，或为了在您进入该合同之前根据您的请求采取步骤；或
- 处理是必要的，以满足我们自身的合法利益或他人的合法利益（但前提是这些利益不被您的员工、代理人、承包商以及需要保护其个人信息的关联实体的利益或权利所覆盖），包括：
– 用于监控和评估遵守出海凯特的政策和标准的情况；
– 用于宣传和营销材料及活动；
– 以遵守法院命令和行使及/或捍卫我们的法律权利，如任何适用法律或法规所允许或要求的其他方式；
– 识别代表我们客户行动的人；
– 为管理与我们系统、办公室、平台和安全网站及应用程序的安全性和访问相关的行政目的；和
– 与我们提供的服务相关联以联系您
我们的角色作为数据控制者和数据处理者。我们通常作为您个人信息的控制者。出海凯特不会分享、披露或交易从上述流程中收集的您的个人信息。在某些支付方案下，支付公司可能会委托我们提供与其拥有或控制的信息相关的某些处理服务。我们不对任何支付公司使用其拥有或控制的信息负责。
保留期限。我们将仅保留您的个人信息，直到满足收集该信息的目的或遵守法律、法规或内部政策要求为止。然而，如果您希望将您的个人信息从我们的数据库中删除，您可以通过联系我们部分提供的地址提出此类请求。在不违反任何法律或法规要求的情况下，我们将删除这些信息（在技术可行的范围内）。
Ⅲ. 您的信息安全
出海凯特采取商业合理的加密技术、管理措施和物理安全措施，旨在保护您的信息免遭丢失、滥用、未经授权的访问、披露、更改和破坏。
当您的商家交易传输到我们的服务或通过我们的服务时，它将受到加密协议的保护。明确地说，出海凯特本身不会通过交易存储您的个人信息或您的客户的个人信息。
我们不对因传输错误、未经授权的第三方访问或我们无法控制的其他原因导致任何个人信息泄露承担责任。
您在保护您的信息安全方面扮演着重要角色。您不应将您的用户名、密码或其他与您的出海凯特账户相关的安全信息分享给任何人。如果我们收到使用您的用户名和密码发出的指令，我们将视为您已授权该指令。如果您有理由相信您与我们的互动不再安全（例如，如果您感觉您在我们处的任何账户的安全已受到威胁），请立即按照下方的联系我们部分中提供的方式与我们联系。
Ⅳ. COOKIES
我们使用某些技术（如 cookies 和其他技术）收集您在我们网站上的使用和活动信息。详情请参阅我们的 Cookie 政策 。
Ⅴ. 您的选择
邮箱。如果您不想收到来自出海凯特的营销和推广邮件，您可以点击邮件中的“退订”链接进行退订并选择不接收营销邮件。如果您有出海凯特账户，您也可以在账户设置中选择不接收营销邮件。或者，如果适用法律要求您事先同意接收营销和推广邮件，您可以选择不同意。请注意，即使您选择不接收我们一项或所有服务的营销信息，我们可能仍需要向您发送与服务相关的通知。
短信。如果您不再想收到来自出海凯特的短信，请让我们知道，您可以通过 info+dpo@chuhaikaite.com 联系我们选择不接收短信，或按照联系我们部分中详细说明的方式联系我们。
Cookie 选择。有关通过我们网站设置的 Cookie 的选择，以及其他类型的在线跟踪和互联网广告的选择，请参阅我们的 Cookie 政策 了解更多详情。
除了上述选择方式外，根据适用法律的要求，我们可能为您提供有关信息处理的额外选择，您可以通过下方“联系我们”部分详细说明的方式行使这些选择。我们将根据适用法律的要求，尽快合理地满足您的请求。
Ⅵ. 访问、更正和删除您的信息
如果您希望更新、修改/更正、删除或访问您的个人信息，获取我们从您那里收集的个人数据的副本，或者如果您希望我们停止处理您的任何个人信息，在适用法律允许的范围内，您可以通过下方“联系我们”部分详细说明的方式提出此类请求。我们将根据适用法律的规定时间响应您的请求。如果此类更改是根据您的请求进行的，这可能影响我们继续为您提供服务的 ability，在这种情况下，我们保留终止向您提供服务的权利。
在任何上述情况下，为了履行我们的安全义务并防止未经授权的数据披露，我们可能会要求您提供一份有效的身份证明文件，以验证涉及此类请求的个人身份信息。
Ⅶ. 我们在何种情况下可能披露您的个人数据
CHUHAIKAITE 不会分享、披露或交易您的个人信息。我们仅在本文所述的方式以及以下情况下才会披露您的个人信息：
– 向代表我们处理您的个人信息的第三方（例如我们的反洗钱、金融和制裁检查服务提供商）；
– 向监管机构，或存在法律要求。
Ⅷ. 国际传输
根据本政策，您的信息可能被传输到或被位于世界各地的实体访问。其中一些实体可能位于不提供与您所在国家同等保护水平的国家。在需要时，出海凯特将确保我们已采取充分的保护措施，以确保您的个人信息得到安全处理，并符合适用的法律、法规以及我们的政策标准。通过使用我们的服务，并向我们提供您的信息，您同意将您的信息国际传输到上述实体。
我们向海外披露信息最常见的原因是因为我们使用服务提供商来为我们执行某些功能，而其中一些服务提供商位于欧洲经济区（EEA）之外。我们仅在提供服务对我们必要时才向这些组织披露信息。在大多数情况下，这些服务提供商是与我们有关的实体，为我们执行一系列技术和运营功能。
Ⅸ. 对本政策的修改
在不违反适用法律所有限制的前提下，我们保留更新本政策的权利，以反映我们信息实践方面的变化。我们将通过在我们服务上显著发布更新通知来通知此类更新，并在必要时获得您的同意。任何更新将在发布到本政策后立即生效，并适用于所有关于您的收集的信息，或在必要时根据您的同意生效。您同意定期审阅本政策。如果我们对本政策进行任何修改，我们将更改上述“最后更新”日期。您可以自由决定是否接受本政策的修改版本，但继续使用我们的服务需要您接受修改后的本政策。如果您不同意本政策或任何修改版本的条件，您唯一的救济途径是终止使用我们的服务。
如果我们对本政策进行的修改实质性影响了先前收集的关于您的信息，我们将获得您的事先明确同意。
Ⅹ. 联系我们
如果您对本政策或我们收集的关于您的信息有任何疑问，请通过电子邮件联系我们：info+dpo@chuhaikaite.com
OVERVIEW
This privacy policy (this “Policy”) explains how Personal Information is collected, used, and disclosed by CHUHAIKAITE. This Policy applies to users (“you”) of CHUHAIKAITE’s services, websites, applications, and machines (each, a “Service”, and collectively, our “Services”).
By using our Services, to the extent permitted by applicable law, you are consenting to us gathering and processing information about you in accordance with this Policy, our Cookie Policy, and any other contract we may have with you including, without limitation, a Merchant Services Agreement. Although consent may not be required for all of the elements described in this Policy. For particular types of information or processing, we may provide you with choices or request your further consent related to what information we collect and how we may process it. If you do not agree to the terms set out in these policies, we do not give you permission to use the Services and you must cease to do so immediately.
Ⅰ. INFORMATION WE COLLECT
Personal Information. By using our Services, we may collect the following categories of personal information (“personal information”) of the person(s) who are company director(s), beneficial owner(s), or authorised person(s) of the merchant that we provide Services to:
– Name
– Date of birth
– Place of birth and nationality
– Identification documentation, such as copy of the passport, National Identity card or such other documentation as is required by local law, copies of these documents may include a photograph of your face
– Home address, email address and other contact details
We may ask for additional information such as, but not limited to, financial standing, employment details and experience to support merchant account application. We will also use our own records and information from other sources where applicable.
We process your Personal Information to meet our legal, statutory and contractual obligations and to provide you with our Services. We will never collect any unnecessary Personal Information from you and do not process your information in any way, other than as specified in this Policy.
Under certain circumstances, it may be necessary for you to provide us with your Personal Information, for example, to enable us to provide Services to you or to comply with our legal obligations. In other circumstances, it will be at your discretion whether you provide us with Personal Information or not. However, failure to supply any of the Personal Information we request may mean that we are unable to maintain or provide Services to you.
We make every effort to maintain the accuracy and completeness of your Personal Information which we store and to ensure all of your Personal Information is up to date. However, you can assist us with this by promptly contacting us if there are any changes to your Personal Information. We shall not be responsible for any losses you suffer arising from any inaccurate, inauthentic, deficient or incomplete Personal Information that you provide to us.
Ⅱ. HOW WE USE YOUR INFORMATION
We only process your Personal Information where:
- the processing is necessary to comply with our legal obligations including:
– to carry out money laundering, financial and credit checks and for fraud and crime prevention and detection purposes;
– to comply with our legal and regulatory obligations; and
– to comply with court orders and exercise and/or defend our legal rights, as otherwise permitted or required by any applicable law or regulation; or
- the processing is necessary for the performance of a contract to which you are party, or in order to take steps at your request prior to entering into such contract; or
- the processing is necessary for our legitimate interests or the legitimate interests of others (except where such interests are overridden by the interests or rights of your employees, agents and contractors and those of your associated entities requiring the protection of their Personal Information) including:
– for monitoring and assessing compliance with CHUHAIKAITE’s policies and standards;
– for promotional and marketing materials and activities;
– to comply with court orders and exercise and/or defend our legal rights, as otherwise permitted or required by any applicable law or regulation;
– to identify person(s) authorised to act on behalf of our clients;
– for administrative purposes in relation to the security and access of our systems, offices, platforms and secure websites and applications; and
– to contact you about the Services we offer
Our Role as Data Controller and Data Processor. We generally act as the data controller of your Personal Information. CHUHAIKAITE do not and will not share, disclose or trade your Personal Information collected from above processes. Under certain payment scheme, payment companies may engage us to provide them with certain processing services related to information owned or controlled by the payment companies. We are not responsible for any payment companies’ use of information for which it is an owner or controller.
Retention. We will only retain your Personal Information for as long as necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements. However, if you wish to have your Personal Information removed from our databases, you can make such a request by writing to the address detailed in the Contact Us section. Subject to any legal or regulatory requirements, we will then delete this information (to the extent technically practicable).
Ⅲ. SECURITY OF YOUR INFORMATION
CHUHAIKAITE takes commercially-reasonable technical, administrative, and physical security measures designed to protect your information from loss, misuse, unauthorised access, disclosure, alteration, and destruction.
When your merchant transaction is being transmitted to our Services or through our Services, it will be protected by cryptographic protocols. To be clear, CHUHAIKAITE does not itself store any Personal Information of yours or your clients’ through transactions.
We assume no liability or responsibility for disclosure of any personal information due to errors in transmission, unauthorised third-party access, or other causes beyond our control.
You play an important role in keeping your information secure. You should not share your user name, password, or other security information for your CHUHAIKAITE account with anyone. If we receive instructions using your user name and password, we will consider that you have authorised the instructions. If you have reason to believe that your interaction with us is no longer secure (e.g., if you feel that the security of any account you might have with us has been compromised), please contact us immediately as detailed in the Contact Us section, below.
Ⅳ. COOKIES
We collect information about your usage and activity on our website using certain technologies, such as cookies, and other technologies. See our Cookie Policy for more details.
Ⅴ. YOUR CHOICES
Email. If you do not want to receive marketing and promotional emails from CHUHAIKAITE, you may click on the “unsubscribe” link in the email to unsubscribe and opt-out of marketing email communications. If you have a CHUHAIKAITE account, you may also opt-out of marketing emails in your account settings. Alternatively, to the extent that applicable law requires your prior opt-in consent to receive marketing and promotional emails, you can choose not to opt-in. Please note that even if you opt-out of receiving marketing communications from one or all of our Services, we may need to send you service-related communications.
Text Messages. If you no longer want to receive text messages from CHUHAIKAITE, please let us know to opt-out of text messages at info+dpo@chuhaikaite.com or write to us, as detailed in Contact Us section.
Cookie Choices. To exercise choices regarding cookies set through our website, as well as other types of online tracking and internet advertising, see our Cookie Policy for more details.
In addition to the above methods of exercising choice, to the extent required by applicable law, we may provide you with additional choices regarding the processing of your information, which you may exercise by contacting us as detailed in the Contact Us section, below. We will try to comply with your request as soon as reasonably practicable as required by applicable law.
Ⅵ. ACCESS, CORRECTION AND DELETION OF YOUR INFORMATION
If you wish to update, modify/correct, delete or, access your Personal Information, receive a copy of the personal data collected from you, or if you would like us to stop processing any of your Personal Information, to the extent you are entitled to do so under applicable law, you can make such a request by writing to us detailed in the Contact Us section, below. We will respond to your request within the time prescribed by applicable law. If such changes are made pursuant to your request(s) this may affect our ability to continue to provide our Services to you and under such circumstances, we reserve the right to terminate our Services to you.
In any of the situations listed above, in order for us to comply with our security obligations and to prevent unauthorised disclosure of data, we may request that you provide us with a copy of a valid means of identification and verification of the identity of the individual whose Personal Information is the subject of such a request.
Ⅶ. WHEN WE MAY DISCLOSE YOUR PERSONAL DATA
CHUHAIKAITE do not and will not share, disclose or trade your Personal Information. We will only disclose your Personal Information in the ways set out in this Policy and in the following circumstances:
– To third parties who process your Personal Information on our behalf (such as our money laundering, financial and sanction check providers);
– To regulatory bodies, or there is a legal requirement.
Ⅷ. INTERNATIONAL TRANSFERS
Information about you may be transferred to, or accessed by, entities located around the world as described in this Policy. Some of these entities may be located in countries that do not provide an equivalent level of protection as your home country. Where required, CHUHAIKAITE will ensure that we have adequate safeguards in place so that your Personal Information is treated securely and in accordance with applicable law and regulation and with our policies and standards. By using our Services, and providing us information about you, you consent to the international transfer of information about you to the above parties.
The most common reason for us disclosing information overseas is because we use service providers to perform some functions on our behalf, and some of these service providers are located outside the European Economic Area (EEA). We only disclose information to these organisations when it is necessary for the services they provide to us. For the most part, these service providers are entities related to us which perform a range of technology and operational functions for us.
Ⅸ. CHANGES TO THIS POLICY
Except to the extent limited by applicable law, we reserve the right to update this Policy to reflect changes to our information practices by prominently posting notice of the update on our Services, and as required, obtaining your consent. Any updates will become effective immediately after posting the updates to this Policy and apply to all information collected about you, or where required, upon your consent. You agree that you will review this Policy periodically. If we make any changes to this Policy, we will change the “Last Updated” date above. You are free to decide whether or not to accept a modified version of this Policy, but accepting this Policy, as modified, is required for you to continue using our Services. If you do not agree to the terms of this Policy or any modified version of this Policy, your sole recourse is to terminate your use of our Services.
If we make any changes to this Policy that materially impacts previously collected information about you, we will obtain your prior express consent.
Ⅹ. CONTACT US
If you have any questions about this Policy or information we have collected about you, please contact us by email at info+dpo@chuhaikaite.com
