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Bitmama Privacy Policy

We are Bitmama Inc, a Delaware corporation at 2093 PHILADELPHIA PIKE 7093 CLAYMONT,DE19703 USABitmama Inc. and its affiliates (collectively, “Bitmama) do not take your trusting us with your information for granted. The privacy of our Users matters to us hence we are committed to protecting it. Therefore, this Privacy Policy contains an overview of the collection, use, and disclosure of your personal data across our website, APIs, applications, email notifications, and tools.Bitmama takes the privacy of your information very seriously. Please read this Policy carefully as it applies when using the Site and any of our services. As a Customer, you accept this Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services.This Policy regulates how personal information will be used within the Company. To preserve the confidentiality of your data, we maintain the controls in place for privacy.This Policy is intended to govern the use of the Site by users. Users reserve the right to exercise their data protection rights as listed under the Customer Rights.OverviewThis Privacy Policy describes your privacy rights regarding how and when we collect, use, store, share and protect your information across our website, payment platforms (“Platforms”), APIs, Software Applications, (“Apps”), email notifications, and tools regardless of how you use or access them. Who are weBitmama Inc. ("Bitmama", "us", "we", "our") is responsible for the collection, use, and disclosure of your personal information. If you have any questions about how we protect or use your data, please email us at [email protected] with the subject line PrivacyDefinitionAccount: means a Changera account a product by Bitmama IncCookies: A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic number of times you visit, browser type and version, device details, date and time of visits.Bitmama: Bitmama means “Bitmama Inc” and subsidiaries or affiliates.Personal Information: Any information that can be used to identify a living person including email address, company name, password, payment card, financial information such as bank account number, etc., Government-issued Identity card, and/or taxpayer-identification it may also include anonymous information that is linked to you, for example, your internet protocol (IP), log-in information, address, location, device or transaction data.Sites: means any platform including but not limited to mobile applications, websites, and social media platforms.User: means an individual who uses the Services or accesses the Sites and has agreed to use the end services of Bitmama.Special Categories of Personal Information means details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data.ObjectiveThis policy statement explains to our customers whose personal data we hold with a description of the types of Personal Information we collect, the purposes for which we collect that Personal Information, the other parties with whom we may share it, and the measures we take to protect the security of the data.Personal Information We May Collect About You We may collect, use, process, store, or transfer personal information such as:Identity Data: Information such as your full name(s), your government-issued identity number, and your date of birth. This data is to enable us to verify your identity in order to offer our services to you;Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use, and billing details;Identification documents :(such as your passport or any Government-issued identity card), a photograph (if applicable), and any other registration information you may provide to prove you are eligible to use our services;Log/Technical information: When you access Bitmama services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location, and other device details.Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;Transactional Data: These are information relating to payment when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.Records of your discussions with us, if we contact you, and if you contact us.We may also collect, store, use, and transfer non-personal information or anonymized data such as statistical or demographic data.This Privacy Policy applies to Bitmama services only. We do not exercise control over the sites displayed or linked from within our various services. These other sites may place their own cookies, plug-ins, or other files on your computer, collect data or solicit personal information from you. Bitmama does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements.Data we may collect about youWe will collect, use, process, store, or transfer personal information such as:

  • Information is given to us by you.
    1. Information, including personal information, when signing up to use our Services about yourself, for example, your name and email address, given to us by you. This also includes information provided through continued use of our Services, taking part in discussion boards or other social media functions on our Website or App, entering a competition, promotion, or survey, and when you report a problem with our Services. The information you give us may include your name, address, e-mail, phone number, financial information (including debit card, credit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph.
    2. If you perform high-value or high-volume transactions either by sending or receiving, we may also need additional commercial and/or identification information from you, as needed to comply with our anti-money laundering obligations under applicable law.
    3. In providing the personal data of any individual (other than yourself) that for example may receive payments from us as part of your use of our Services, you promise that you have obtained consent from such individual to disclose his/her 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.
Information we collect about you.Using our Services, we may collect the following information, not limited to but may be or include personal information:
  • Details of the transactions you perform using our Services, including geographic location from which the transaction originates;
  • 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;
  • 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.
  • Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
  • Transactional Data: These are information relating to payment when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;
Information we receive from other sources. We may receive information about you if you use any of the other websites or 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;
  • Information from social media networks. If you log in to our Services using your social media account (for example, Facebook or Google) we will receive relevant information that is necessary to enable our Services and authenticate you.
  • Children’s information Our products and services are directed at adults 18 years and over and not intended for children. We do not knowingly collect information from this age group. Part of the verification process prevents Wise from collecting such data. If any information is collected from a child without verification of parental consent, it will be deleted.
Information we receive from other sources. We may receive information about you if you use any of the other websites or services we provide. We are also working closely with third parties and may receive information about you from them. For example:Information we receive from other sources. We may receive information about you if you use any of the other websites or services we provide. We are also working closely with third parties and may receive information about you from them. For example:How we get your Personal Information and why we have itThe Personal Information we have about you is directly made available to us when you:Sign up for a Changera Account a product of Bitmama;
  • Use any of our services;
  • Contact our customer support team;
  • Fill our online forms;
  • Contact us;
  • The lawful basis we rely on for processing your Personal Information are:
Your Consent: Where you agree to us collecting your Personal Information by using our Services.We have a contractual obligation: Without your Personal Information, we cannot provide our Services to you.We have a legal obligation: To ensure we are fully compliant with all applicable Financial legislations such as Anti-Money Laundering and Counter-Terrorist Financing Laws, we must collect and store your Personal Information. We protect against fraud by checking your identity with your Personal Information.How We May Use Your Personal InformationWe may use your Personal Information we collect to:
  • Create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries;
  • Process your payment transactions (including authorization, clearing, chargebacks, and other related dispute resolution activities);
  • Protect against and prevent fraud, unauthorized transactions, claims, and other liabilities;
  • Provide, administer and communicate with you about products, services, offers, programs, and promotions of Bitmama, financial institutions, merchants, and partners;
  • Evaluate your interest in employment and contact you regarding possible employment with Bitmama;
  • Evaluate and improve our business, including developing new products and services;
  • To target advertisements, newsletter, and service updates;
  • As necessary to establish, exercise, and defend legal rights;
  • As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over Bitmama or Bitmama’s affiliates;
  • To use data analytics to improve our Website, products or services, and user experiences.
  • For other purposes for which we provide specific notice at the time of collection.
Data Security and RetentionThe security of your Personal Information is important to Bitmama.We maintain appropriate Internal, technical, and physical controls to ensure that your data are kept safe at Bitmama. Other security measures include but are not limited to, secure servers, firewalls, data encryption, and granting access only to designated employees. On your part strive to ensure your passwords to your Accounts are safe.The data that we collect from you may be transferred to and stored at, a destination outside the United States. It may also be used by staff operating outside the US who work for us or for one of our suppliers. By submitting your personal information, 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.We will only retain personal information on our servers for as long as is reasonably necessary as long as we are providing Services to you. When you close your Account, your information is stored on our servers to the extent necessary to comply with regulatory obligations and for the purpose of fraud monitoring, detection, and prevention. Where we retain your Personal Data, we do so in compliance with limitation periods under the applicable law.Electronic Fund Transfers (EFTs) and Account Balances.Bitmama Inc partners with financial services software company Sila Inc. (Sila) and banking services provider Evolve Bank & Trust (Evolve), member FDIC, to offer you electronic fund transfers (EFTs). When you create a Changera account, a product of Bitmama, link a bank account, or initiate an EFT, you are authorizing us to share your identity and banking information with Sila and Evolve to support your account. You are also agreeing to the terms of Sila’s privacy policy, https://silamoney.com/privacy-policy/, Evolve’s a privacy policy, https://www.getevolved.com/privacy-policy/, and Evolve’s communications consent and disclosure, https://silamoney.com/evolve-electronic-communications-consent-and-disclosure/ (the “Partner Terms”). It is your responsibility to make sure the data you provide us is accurate and complete, which is necessary for our partners to process EFTs on your behalf. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into this Privacy Policy. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR CHANGERA ACCOUNT A PRODUCT BY BITMAMA, INCLUDING BUT NOT LIMITED TO THE USE OF YOUR PERSONAL INFORMATION.California related rightsCalifornia Privacy Rights. If you are a resident of the State of California, under the California Consumer Privacy Act (CCPA), you have the right to request information on how to exercise your disclosure choice options from companies conducting business in California. Specifically:
  • Exercising the Right to Know. You may request, up to twice in a 12-month period, the following about the personal information collected on you in the past 12 months: o the categories and specific pieces of personal information we have collected; o the categories of sources from which we collected the personal information; o the business or commercial purpose for which we collected it; the categories of third parties with whom we shared the personal information; and the categories of personal information about you that we disclosed for a business purpose.
  • Exercising the right to delete. You may request that we delete the personal information we have collected from you, subject to certain limitations under applicable law.
  • Exercising the right to opt-out from a sale. You may request to opt out of any “sale” of your personal information that may take place.
  • Non-discrimination. The CCPA provides that you may not be discriminated against for exercising these rights
To submit a request to exercise any of the rights described above, you may contact Bitmama Inc either via email to [email protected]Disclosing Your Personal Information to third partiesWe may disclose or share your Personal Information with third parties which include our affiliates, employees, officers, service providers, agents,suppliers, subcontractors as may be reasonably necessary for the purposes set out in this policy.We have your consent. We require opt-in consent for the sharing of any personal information; We share Personal Information with third parties directly authorized by you to receive Personal Information, such as when you authorize a third party application provider to access your account. The use of your Personal Information by an authorized third party is subject to the third party's privacy policy and Bitmama shall bear no liability for any breach which may arise from such authorization by you.CookiesWe use cookies to distinguish you from other users and to customize and improve our services.Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website. For detailed information on the cookies and how we use them see our Cookie Policy.International Data TransfersOur business is global with affiliates and service providers located around the world. As such, Personal Information may be stored and processed in any country where we have operations. Also, your Personal Data may be transferred to countries which may not have the same data protection laws as the country you initially provided your Personal Information, but whenever we transfer or transmit your Personal Information internationally, we will ensure or take reasonable steps to ensure your Personal Information is handled securely in line with the applicable data protection laws and standard contractual clauses.Amendments to our privacy policyTo keep up with legislation and best practices, from time to time, we may change, amend or review this Privacy Policy from time to time and place any updates on this page. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online or via mail. If you keep using our Services, you consent to all amendments of this Privacy Policy.Contact UsAll comments, questions, access requests, complaints, and other requests regarding the privacy policy should be sent to [email protected]We may request additional details from you regarding your complaints and keep records of your requests and resolution.This Privacy Policy was last updated in January 2022.

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