Finwave
Welcome to Finwave! We're here to offer you cutting-edge financial management solutions and professional expertise to support your success.
This privacy notice for the website (referred to as "Company", "we", "us", or "our") outlines how we collect, store, use, and share (referred to as "process") your data when you use our services (referred to as "Services"). This includes activities such as:
Have any questions or concerns? This privacy notice will help you understand your privacy rights and options. If you do not agree with our policies and practices, please refrain from using our Services. If you need further clarification, don’t hesitate to contact us at [contact details].
This section provides a brief overview of key points from our privacy policy. For more information on any of these topics, please follow the links or use the table of contents below.
What personal information do we process? When interacting with our Services, we may process personal information depending on how you engage with the website and its features. To learn more about the personal information we collect, visit Personal Information Disclosure.
Do we process any sensitive personal information? In some cases, we may process sensitive data with your consent or as allowed by law. To understand what sensitive data we process, see Sensitive Information.
Do we receive data from third parties? Yes, we may obtain information from external sources such as marketing partners, public databases, and social media platforms. Find more details about this in Information from Third Parties.
How do we use your information? We use your information to provide and enhance our Services, communicate with you, ensure security and fraud prevention, and comply with legal obligations. We may also process your data for other purposes with your consent. More information on how we handle your data can be found at How We Use Your Data.
When do we share your personal information? There are specific situations where we may share your data with third parties. Learn more about when and with whom we share your personal data at Sharing Your Information.
How do we protect your information? We have implemented organizational and technical measures to safeguard your personal information. However, since no online transmission is entirely risk-free, we cannot guarantee absolute security against unauthorized access, hacking, or data breaches. Read more about our security measures at Protecting Your Information.
What rights do you have? Depending on your location, you may have certain rights regarding your personal data under applicable privacy laws. Find out more about your rights at Your Privacy Rights.
How can you exercise your rights? The easiest way to exercise your rights is by visiting [website/contact information], or by contacting us directly. We will process your request in line with the relevant data protection laws.
Want to dive deeper into how we handle your information? Check out the full privacy notice.
Personal Information You Provide
In Brief: We gather personal data that you voluntarily share with us.
We collect personal information when you register for our services, express interest in learning more about our products or services, participate in activities on our website, or reach out to us directly.
Personal Information You Provide. The specific personal data we collect depends on your interactions with us, your choices, and how you use our services. The types of personal data we may collect include:
Sensitive Information. When necessary, and with your consent or as permitted by applicable laws, we may process the following types of sensitive information:
Social Media Login Data. You may have the option to sign up with your existing social media account (e.g., Facebook, Twitter, etc.). If you choose this option, we will collect the information as detailed in the section titled "HOW WE HANDLE SOCIAL MEDIA LOGINS".
All personal data you provide must be accurate, complete, and true, and you are responsible for notifying us of any updates to your personal information.
Information Collected Automatically
In Summary: Some data, such as your IP address and device/browser information, is automatically gathered when you visit our services.
We collect certain information automatically when you access or use our services. This data doesn’t reveal your personal identity but may include details like device information, your IP address, browser characteristics, operating system, language preferences, referring URLs, device name, country, location, and other usage and technical details. This information helps us maintain the security and functionality of our services and assists in internal analytics and reporting.
As with many businesses, we also use cookies and similar technologies to gather information.
Types of data collected include:
Information Gathered from Other Sources
In Short: We may obtain limited information from public databases, marketing partners, social media platforms, and other external sources.
To better serve you with relevant marketing, offers, and services, and to keep our records updated, we may collect data from public databases, joint marketing partners, affiliate programs, data providers, social media platforms, and other third parties. This information could include mailing addresses, job titles, emails, phone numbers, intent data (or behavioral data), IP addresses, social media profiles, URLs, and custom profiles used for advertising and event promotion. If you engage with us via social media, we might gather details such as your name, email address, and gender, depending on your privacy settings.
In Brief: We process your data to provide, enhance, and manage our services, communicate with you, prevent fraud, and comply with applicable laws. With your consent, we may also process your information for other purposes.
We process your personal data for several reasons, depending on your interactions with our services:
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e. , legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:
If you are located in Canada, this section applies to you.
We may process your information if you have given us specific permission (i.e. , express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e. , implied consent). You can withdraw your consent at any time.
In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:
In Short: We may share information in specific situations described in this section and/or with the following third parties.
We may need to share your personal information in the following situations:
In Short: We are not responsible for the safety of any information that you share with third parties that we may link to or who advertise on our Services, but are not affiliated with, our Services.
The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
In Short: If you choose to register or log in to our Services using a social media account, we may have access to certain information about you.
Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or Twitter logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, and profile picture, as well as other information you choose to make public on such a social media platform.
We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
In Short: In some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Canada , you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.
In some regions (like the EEA, UK, and Canada ), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.
We will consider and act upon any request in accordance with applicable data protection laws. If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.
Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. You may also opt out of interest-based advertising by advertisers on our Services.
If you have questions or comments about your privacy rights, you may email us at .
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ( "DNT" ) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g. , backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a "resident" as:
All other individuals are defined as "non-residents."
If this definition of "resident" applies to you, we must adhere to certain rights and obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:
| Category | Examples | Collected |
|
A. Identifiers
|
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name
|
|
|
B. Personal information categories listed in the California Customer Records statute
|
Name, contact information, education, employment, employment history, and financial information
|
|
|
C. Protected classification characteristics under California or federal law
|
Gender and date of birth
|
|
|
D. Commercial information
|
Transaction information, purchase history, financial details, and payment information
|
|
|
E. Biometric information
|
Fingerprints and voiceprints
|
|
|
F. Internet or other similar network activity
|
Browsing history, search history, online
|
|
|
G. Geolocation data
|
Device location
|
|
|
H. Audio, electronic, visual, thermal, olfactory, or similar information
|
Images and audio, video or call recordings created in connection with our business activities
|
|
|
I. Professional or employment-related information
|
Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us
|
|
|
J. Education Information
|
Student records and directory information
|
|
|
K. Inferences drawn from other personal information
|
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
|
|
| L. Sensitive Personal Information |
|
|
We will retain and use the personal information we collect as needed to provide the Services or for the following purposes:
Information from Category L may be used or shared with a service provider or contractor for additional, specified purposes. You have the right to restrict the use or disclosure of your sensitive personal information.
We may also collect other personal details outside these categories when you interact with us in person, online, by phone, or via mail, such as in:
How do we use and share your personal information?
More details about our data collection and sharing practices are available in this privacy notice.
You may contact us or refer to the contact information at the bottom of this document.
If you are using an authorized agent to exercise your opt-out rights, we may deny the request if the authorized agent cannot provide proof of valid authorization to act on your behalf.
Will your information be shared with others?
We may disclose your personal information to our service providers under a written contract, requiring them to process the information on our behalf, adhering to the privacy protection obligations of the CCPA.
We may use your personal data for our business purposes, such as conducting internal research for technological advancements. This does not count as the "selling" of your personal data.
Our website has not disclosed, sold, or shared any personal information to third parties for business or commercial purposes in the past twelve (12) months. We do not intend to sell or share personal information of website visitors, users, or other consumers in the future.
Your rights regarding your personal data
Right to request deletion of data — Request to delete
You have the right to request the deletion of your personal information. If you make such a request, we will respect it and delete your personal data, subject to certain legal exceptions, such as when another consumer exercises their right to free speech, when we are required to comply with legal obligations, or when processing is needed to prevent illegal activities.
Right to be informed — Request to know
Depending on your circumstances, you may have the right to know:
As per applicable law, we are not required to provide or delete consumer information that has been de-identified or to re-identify data for verifying a consumer request.
Right to Non-Discrimination for Exercising Privacy Rights
We will not discriminate against you for exercising your privacy rights.
Right to Limit the Use and Disclosure of Sensitive Personal Information
If the business collects any of the following types of sensitive personal information:
You have the right to direct the business to limit the use of your sensitive personal data to only what is necessary to perform the Services.
Once your request is received, the business is no longer allowed to use or disclose your sensitive personal information for any other purpose unless you give consent for additional use or disclosure.
Please note that sensitive personal information collected without the intention of inferring characteristics about the consumer, or publicly available information, is not covered by this right.
To exercise your right to limit the use and disclosure of sensitive personal information, please email us or visit [insert link].
Verification Process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g. , phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
To exercise these rights, you can contact us or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.
In Short: Yes, if you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information.
Virginia CDPA Privacy Notice
Under the Virginia Consumer Data Protection Act (CDPA):
"Consumer" means a natural person who is a resident of the Commonwealth acting only in an individual or household context. It does not include a natural person acting in a commercial or employment context.
"Personal data" means any information that is linked or reasonably linkable to an identified or identifiable natural person. "Personal data" does not include de-identified data or publicly available information.
"Sale of personal data" means the exchange of personal data for monetary consideration.
If this definition "consumer" applies to you, we must adhere to certain rights and obligations regarding your personal data.
The information we collect, use, and disclose about you will vary depending on how you interact with Web site and our Services. To find out more, please visit the following links:
Your rights with respect to your personal data
Web site has not sold any personal data to third parties for business or commercial purposes. Web site will not sell personal data in the future belonging to website visitors, users, and other consumers.
Exercise your rights provided under the Virginia CDPA
More information about our data collection and sharing practices can be found in this privacy notice.
You may contact us by email at , by visiting , or by referring to the contact details at the bottom of this document.
If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Verification process
We may request that you provide additional information reasonably necessary to verify you and your consumer's request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request.
Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.
Right to appeal
If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at . Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions.
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
If you have questions or comments about this notice, you may email us at or contact us by post at:
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please visit: .