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Introduction Pakistan Currency Exchange (Pvt) around the world, its subsidiaries, affiliates, “Company,” “we,” “us,” or “our”) perceive the significance of protecting and ensuring the privacy and security of all consumers, who access or potentially utilize, regardless of whether as a visitor/guest or a registered user, our sites, or portions of our websites, including any content, services, and functionality offered on our sites, and pages. This Privacy Policy will illuminate or inform you with respect to what we do with your personal data or information that we collect when you visit our site; this document will also educate you concerning your security/privacy rights and how the law ensures you.
The Organization is composed of various legal entities. This Privacy Policy is issued in the interest of the organization so when we mention “Organization”, “Pakistan Currency Exchange (Pvt)”, “we”, “us” or “our” in this Privacy Policy, we are referring to the significant organization who is in charge of handling your information. We have selected a data protection officer (“DPO”) who is in charge of regulating inquiries in connection to this Privacy Policy. If you have any inquiries concerning this Privacy Policy, including any requests or solicitations to exercise your legal rights, please contact the DPO using the details set out below.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. You have the right to make any complaint at any time to the relevant supervisory authority regarding data protection issues. We would like to value the opportunity to deal with your concerns or issues before you approach the relevant supervisory authority so please get in touch with us in the first place. For any inquiries or remarks relating to this Privacy Policy or the way in which we collect and utilize your personal information, please contact us. Request: CHANGES IN YOUR PERSONAL DETAILS - It is essential that the personal information or data we hold about you is precise, accurate and current. It would be ideal if you keep us informed if your personal information changes during your association with us.
Personal data, or personal information, implies any information around an individual from which an individual can be recognized or identified. It excludes data where the identity can be evacuated or removed (anonymous data). Depending on our products and/or services you utilize and how you interact with our Sites, we gather different kinds of information about you. We may gather, utilize, store and transfer various types of individual data about you which we have assembled together. Identifiable Data includes Name, email, phone number, and delivery address. While in the technical domain, we gather web convention or internet protocol (IP) address, login information, browser type, and version, make and model (cell phones only), operating system, hardware version, platform, device/gadget settings, and other technology identification on the devices used to access our Sites, file and software names and types, device identifiers, time zone setting and location, device locations (via GPS, Bluetooth or WiFi signals), browser plug-in types and versions, association data such as the name of your mobile operator, language/dialect, and mobile phone number. Profile information includes your username and password, purchases or orders made by you, your interests, preferences, survey responses, and feedback. Other Data includes aggregated data/ information, for example, statistical or demographic information for any reason. Aggregated information might be derived from your personal information, however, is not viewed as personal information in law as this information does not directly or indirectly reveal your identity. For instance, we may aggregate your Usage Information to calculate the percentage of users accessing a particular Site feature. However, if we consolidate or connect aggregated information with your personal information so that it can directly or indirectly identify you, we treat the combined information as personal information which will be utilized as per this Privacy Policy. We do not gather the accompanying exceptional Categories of Personal information: your philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data. Nor do we gather any information about criminal convictions and offences. For users that register on our website (if any), we also store the personal information they provide in their user profiles. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information. To collect users’ information for offering a relatable experience, our website and app does use third party services like;
We use different methods to collect information from and about you including through: We collect your information in the following circumstances: When you apply for or purchase our products or services; When you subscribe to our service or publications; When you ask for a marketing offer to be sent to you or further services to be provided to you; When you enter a competition, promotion or survey; When you correspond with us (online or offline including via email addresses and phone numbers), if you contact us; Post material on our Sites; or Give us some feedback.
We will only utilize your personal information when the law allows us to. Generally, we will utilize your personal information in the following circumstances: Where we have to perform the agreement we are about to enter into or have entered. Where we have to perform an agreement we have with a third party to provide you with a product or service. Where it is essential for our legitimate interests (or those of a third party) and your interests and basic rights do not abrogate those interests. Where we have to agree with a legal or regulatory obligation. Generally, we do not depend on consent as a lawful basis for processing your personal information other than in connection to sending third-party direct marketing communications to you through email, text message or other means. You have the privilege to withdraw consent to marketing at any time by contacting us.
We may share your profile data such as your email, name and your interests etc. with social media platforms - Facebook, Instagram, etc. this also includes your browsing activity on our website for providing a better user experience and offers to target.
We assume that you agreed that We also share your personal data with Google and firebases like your email, name, phone, and your IP locations. This also includes your browsing activity on our website, for providing better user experience and it also helps us to filter your interests or non-interests like which type of ads you like or dislikes and also, it helps us to re-target the new customers. Google can access and analyze data to better understand mobile behaviour and trends, and use this data to improve Google products and services. This data can be used to improve Google Ads so developers get better tools to create, manage, target, and analyze your behaviours.
We may need to share your personal information with the parties set out underneath for the reasons set out in the table in paragraph 4 above. Internal Third Parties as set out in the Glossary Section underneath. External Third Parties as set out in the Glossary Section underneath. Third parties listed in the table in Section 4 – How we use your Personal Information above; Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may try to acquire or obtain other businesses or merge with them. If a change happens to our business, then the new owners may utilize your personal information similarly as set out in this Privacy Policy. To a third party, you select to fulfil the purpose for which you provide it. For example, if you give us an email address to use the “e-mail a friend” feature of our Sites or you nominate another person to become a secondary member in the family account, we will transmit the contents of that e-mail and your e-mail address to the recipients. We require all third parties to regard the security of your personal information and to treat it as per the law. We do not permit our third-party service providers to use your personal information for their own purposes and just allow them to process your personal information for determined purposes and as per our instructions.
We share your personal data within the Company. This will involve transferring your data outside the European Economic Area (EEA). We ensure your personal data is protected by requiring all our group companies to follow the same rules when processing your personal data. Many of our external third parties are based outside the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the EEA. Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented: We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission. Where we use certain service providers, we may use specific contracts which give personal data the same protection it has in Europe. Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between Europe and the US. Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.
We have set up suitable security measures to keep your personal information from being accidentally lost, used, accessed or available in an unauthorized way, altered or revealed. In addition, we restrain access to your personal information to those employees, contractors, agents and other third parties who have a business need to know. They will just process your personal information on our instructions and they are subject to an obligation of secrecy. We have set up systems to manage any suspected personal information breach and will notify you and any applicable controller of a breach where we are legitimately required to do as such.
HOW LONG WILL YOU USE MY PERSONAL DATA FOR? We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accountable, or reportable requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorised use or disclosure of your data, the purposes for which we process your data and whether we can achieve those purposes through other means, and the applicable legal requirements. In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. These include the following (see Glossary section below):
If you wish to exercise any of the rights set out above, please contact us.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances. WHAT WE MAY NEED FROM YOU We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
TIME LIMIT TO RESPOND We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. GLOSSARY LAWFUL BASIS Legitimate Interest means the interest of our business in conducting and managing our business that enables us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us. Legitimate Interest means the interest of our business in conducting and managing our business that enables us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us. Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract. Complying with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to. INTERNAL THIRD PARTIES Our companies, their subsidiaries, and affiliates act as joint controllers or processors who provide IT and system administration services and reporting mechanisms. EXTERNAL THIRD PARTIES Service providers acting as processors who provide IT and system administration services or who we use to support our business and who are bound by contractual obligations to keep personal data confidential and secure and use it only for the purposes for which we disclose it to them. Professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance, and accounting services. HM Revenue & Customs, regulators and other authorities acting as processors or joint venturers who require reporting of processing activities in certain circumstances. Any other party, their subsidiaries, and affiliates are those that we have contracted with to provide you with a service and/or product. YOUR LEGAL RIGHTS You have the right to: Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data that we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us. Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note: We may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. Object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts your fundamental rights and freedoms. You also have the right to object to where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. Request restrictions of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent. Targeting or advertising cookies These cookies collect Data about your browsing behavior to allow us to provide advertising that is relevant to you and your interests. The cookies retain information about the websites you have visited. This information is shared with other parties such as advertisers on an anonymous basis. Your personally specialized information such as your name and address is not shared with such third parties. For example, we use third-party companies to provide you with more personalized advertisements when you visit certain third-party websites. Third parties or publicly available sources We may receive personal data about you from various third parties and public sources as set out below: Technical Data from the following parties: Firebase and Google Analytics, a web analytics service provided by Google, Inc. the service analyzes how you use the site. The information generated by the cookie about your use of the website will be transmitted to and stored by Google on servers in the United States. Advertising networks Google Adwords provides the data that is about your interests and which type of ads you like most. It also stores your mobile app, email, and your desktop IP. - search information providers are based either inside or outside the EU. Facebook Audience Network & Sdk is an off-Facebook, in-app advertising network for mobile apps. Advertisers can serve up their ads to customers who are using mobile sites and apps other than Facebook, extending their reach beyond the platform while still getting to use Facebook’s exceptionally powerful ad system. Facebook SDK helps to integrate the Audience Network SDK for Android to monetize apps on Facebook ads, how Android users show their interests on app ads on Facebook, and also share the data on interest bases Device and Connection Information We collect device-specific information when you install, access, or use our Services. This includes information such as hardware model, operating system information, browser information, IP address, mobile network information (including phone number), and device identifiers. Children’s Privacy These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case where we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to take the necessary actions. Access to your information You have a right to request a copy of the information we hold on you at any time. Please email us if you would like to receive a copy of this information – info@pakistancurrency.com. There will be a small charge for processing this request. © Copyright 2019 Pakistan Currency Exchange. All Rights Reserved.
© Copyright 2019 Pakistan Currency Exchange. All Rights Reserved.