xLiquid sp z.o.o (registered in Poznan, Poland) and registered at Grottgera 16/1, 60-758, Poznan, Poland (the “Company“, “we”, “our”, “us”) is committed to being transparent about the types of personal data we collect, how we may use that information, with whom we may share it, and the choices and rights you have regarding our use of your personal data.

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How We Collect Your Information

Information We Collect From Our Websites and Events:

Information You Provide to Us: We collect information you provide directly to us when you browse our Site, create an online account, post messages to our forums or wikis, provide feedback through surveys, participate in any interactive features, contests, promotions, sweepstakes, activities, or events. The types of information we may collect include: your name, email address, username, password, location and any other information you choose to provide.

Information We Collect Automatically Through the Use of Cookies and Other Tracking Technology: When you visit the Company’s website, we obtain certain information by automated means, such as cookies, web beacons, web server logs, and other technologies. A “cookie” is a text file that websites send to a visitor’s computer or other Internet-connected device to identify the visitor’s browser or to store information or settings in the browser. A “web beacon”, also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server.

We may use these automated technologies to collect information about your equipment, browsing actions, and usage patterns. The information we obtain in this manner may include: your device IP address, identifiers associated with your devices, types of devices connected to our services, web browser characteristics, device characteristics, language preferences, referring/exit pages, clickstream data and dates and times of visits to our Site.

The information we collect through cookies and similar technologies helps us (1) remember your information so you will not have to re-enter it; (2) understand how you use and interact with our website; (3) measure the usability of our website and the effectiveness of our communications; and (4) otherwise manage and enhance our website, and (5) help ensure it is working properly.

Your browser may tell you how to be notified when you receive certain types of cookies or how to restrict or disable certain types of cookies. Please note, however, that without cookies you may not be able to use all the features of our website.

Information We Collect Relating to the xLiquid Service:

Customers, Financial institutions and other organizations around the world, together referred to as “xLiquid Customers” or "xLiquid Clients" use xLiquid service to exchange data relating to financial transactions.

The xLiquid service processes personal information in the two following contexts:

• xLiquid's provision of the xLiquid service: Personal information that xLiquid collects for its own purposes relating to the provision of third-party payment services

• Customer Use of the Services: Personal information that xLiquid Customers collect and supply to the xLiquid service as part of their use of the Services

 

How We Use Your Information

xLiquid Websites and Events:

xLiquid collects this data for various purposes, including to:

• Respond to your comments, questions and requests and provide customer service;

• Monitor and analyze trends, usage, and activities in order to operate and improve our Site;

• Manage your online account(s) and send you technical notices, updates, security alerts and support and administrative messages;

• Organize regional or local events, and the registration and management of customer representatives that are active in xLiquid advisory and working groups;

• Link or combine with information we get from others to help understand your needs and provide you with better service; and

• Carry out any other purpose for which the information was collected.

xLiquid's Provision of the xLiquid Service

xLiquid collects this data for purposes relating to the provision of the Services, and include the following:

• The administration, monitoring, and ongoing management of the services and products;

• The development, deployment, management, support, and invoicing of the services and products; and

• The organization of regional or local events, and the registration and management of customer representatives that are active in xLiquid advisory and working groups.

Customer Use of the xLiquid Service

xLiquid collects this data for various purposes, including to:

• Respond to your comments, questions and requests and provide customer service;

• Monitor and analyze trends, usage, and activities in order to operate and improve our products and services;

• Manage your online account(s) and send you technical notices, updates, security alerts and support and administrative messages; and

• Carry out any other purpose for which the information was collected.

 

How We Share Your Information

xLiquid Websites and Events, and xLiquid's Provision of the xLiquid Service:

We may share your personal information as follows:

• With vendors, consultants and other service providers who need access to such information to carry out work on our behalf;

• In response to a request for information if we believe disclosure is in accordance with any applicable law, regulation or legal process, or as otherwise required by any applicable law, rule, or regulation;

• If we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property, and safety of us or any third party;

• In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business to another company; and

• With your consent or at your direction.

We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.

 

Location of Processing

xLiquid's headquarters are in Poland, and it has office locations around the world. In providing its services, xLiquid may process your personal information on servers outside the country where you live, including to countries that do not have the same data protection laws as your country. Although the data protection laws of various countries may differ from those in your own country, we take appropriate steps to ensure that your personal information is processed as described in this Privacy Policy and under the law.

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How We Protect Your Information

We are committed to protecting your information. We maintain appropriate administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.

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How Long We Retain Your Information

We will retain your personal information on file for as long as necessary for our legitimate business purposes. Please note that in certain cases, legal or regulatory obligations require us to retain specific records for a longer period of time.

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Children's Information

Our Services are not directed to children under the age of 16. If you learn that a child under the age of 16 has provided us with personal information without consent, please contact us.

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Your Rights

You have the right to request a copy of your information, to object to our use of your personal information (including for marketing purposes), where applicable, to correct your personal information, to request the deletion or restriction of your personal information, or to request your personal information in a structured, electronic format.

Please note that we may retain certain information as required by law or for legitimate business purposes. If you would like to exercise any of these rights, please contact contact@xliquid.io

Depending on where you are located, you may have certain rights in connection with your personal information that we obtain. These rights vary depending on your jurisdiction.

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Changes To This Privacy Policy

We periodically review and update this Privacy Policy to describe new services or changes to our practices. You can determine when this Privacy Policy was last revised by referring to the “Updated” date at the top of this document. We encourage you to review the Privacy Policy whenever you interact with us to stay informed about our privacy practices and the ways that you can help protect your privacy.

If we make significant changes to this Privacy Policy, we may provide additional notice through a prominent notice on the xLiquid service or via email address associated with your account.

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Third-Party Services, Applications, and Websites

Certain third-party services, websites, or applications you use, or navigate to from our Services may have separate user terms and privacy policies that are independent of this Policy. This includes, for example, websites owned and operated by our customers or partners. We are not responsible for the privacy practices of these third-party services or applications. We recommend carefully reviewing the user terms and privacy statement of each third-party service, website, and/or application prior to use.

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Contacting Us

To submit questions regarding this Privacy Policy, you can contact xLiquid by emailing us at contact@xliquid.io or at our mailing address at:

xLiquid sp z.o.o
Grottgera 16/1
Poznan, 60-758
Poland