Privacy Policy
Effective since March 1, 2023
General principle
We are committed to transparent and secure data processing. We are committed to handling any personal data in accordance with EU privacy standards and legal. In this privacy statement, we provide you with information about which personal data we handle, out of what purpose, what your rights are, and information that you can contact us if you have any questions or doubts about your personal data processing. We only deal with personal data only under the circumstances of obtaining your consent or we have the right to do this based on other legal reasons, especially in the (A) processing of the execution of services and enable us to sign the contract with you aspects. Provide services under the circumstances, (b) Treatment is necessary for obeying the legal obligations we assume;
We do not deal with any special categories of personal data, that is, we do not handle any personal data of race or national descent, political views, religion or philosophical beliefs or union members, as well as the only identification of genetic data and biometric data for the following purpose. Data from natural persons, health data or data about the sexual or sexual orientation of natural persons.
If you are less than 16, please ask your parents or other adults who have the responsibility of your parents or other adults before you start using an electronic wallet or any service.
Definition and explanation
Unless the definition of capitalized term used in this privacy policy is defined, you will find the explanation of the term in our service terms.
Service refers to a set of features that allow users to track and analyze their financial conditions or any other services provided by Monezy (depending on the situation). Service may vary from users of different platforms (Android, iOS, and Web), and can also be divided into free functions and advanced functions. The provider has the right to increase or restrict the scope of service at any time. For more information, please visit our service terms.
Users or you refer to people who use wallets, services, other applications, websites, or reading providers.
Wallet refers to the programs (application) wallet created by the provider to record the user's income and expenditure, as well as other financial or non -financial records or contents selected by the user. Wallets are suitable for devices running on Android and iOS systems as desktop Internet platforms provided on mobile applications and websites. The purpose of the wallet is to track the user's expenditure and income. Through electronic wallets, you can agree that the provider will ask for information about your payment account for the third party that maintains your payment account.
Applications refer to special programs (applications) used by users, including wallets and third -party applications, such as Woolsocks applications.
App Store refers to the application store platform that allows users to browse and download applications including wallets, such as Apple Store, Google Play, Huawei Appgallery.
Advanced features refer to additional service sets that bring a certain value to some users and can purchase access during the probation period or through the application. This set of functions is uncertain because the provider can add or delete advanced functions.
Sharing refers to the permissions to grant a specific user access to the online content in the electronic wallet or the online content in the website. This is done by the high -level features called group sharing. Users can grant them to the access rights and roles of the content of the content of the electronic wallet according to their choice invitations and selection of users to grant them to view, manage or manage the content of electronic wallet content.
The bank connection refers to the automatic algorithm created by the provider. The user uses the algorithm and obtains the permit of the user awarded by the user to access the information in the various types of bank accounts held by the user in order Display it in the application and only to users, unless he authorizes others in the electronic wallet to see it through the sharing function. The wallet only shows the information from the bank account. The wallet is not designed, so it cannot be changed, modified or sent any information in the user bank account.
The content refers to the content expressed in wallets, websites or other media, such as speeches, words, movies, editing, videos, or any various arts. The content can be created by the provider or user.
Personal information or personal data usually refers to any information related to recognized or recognizable natural persons; natural persons that can be recognized refer to people who can directly or indirectly identify, especially through reference logos, such as names, ID numbers, location data , Online identifier or one or more of the genetic, spiritual, economic, cultural, cultural or social identity of physical, physiology, and natural person.
The third party refers to the organization that the provider cooperates (depends on the situation, the organization can provide some parts of the service or the application used by the operator).
Cookie refers to a small amount of data sent from a computer to your browser and stored on your computer hard disk, usually including an anonymous unique identifier.
The network beacon refers to the image (single pixel GIF) embedded in webpages or emails to measure and analyze website usage and activities.
The offer refers to any unspecified marketing activities that can be displayed to the user.
Law refers to the laws of the Czech Republic or the European Union regulations directly applicable.
What information and information do we process you?
We handle your identity data provided to us when creating an account and filling in the form during the registration process. To register to the wallet, you need to create your username by providing us with your email, which enables us to identify the registered users of our wallet. You also need to create a password to protect your data in your application. After logging in, you can update your personal information, add names, surnames, birth date and gender. This information helps us provide us with our services, including customer support and system alarm notification. Provide names, surnames, date of birth and gender, you can use aliases as your name and surname.
When you choose to log in to your wallet with your Google or Facebook account, we will receive some of your Google account information or Facebook account information within the corresponding range with your Google/Facebook privacy settings. We receive your emails, names and surnames from these services.
If you want to get the advanced features of our application, the payment service provider will collect the necessary information to handle the payment of our service. We will not process information about your credit card or debit card, because the payment is processed by the corresponding App Store. We identify you in our system through your own App Store ID (a digital code). We will not get your identity information you provide to the corresponding App Store.
When you use a wallet, we will collect detailed information about how you use our wallet to provide you with services. These data are collected by the analysis tools (Mixpanel, Fabric or Google Analytics).
When you use an electronic wallet and give us a license for this, we can:
- Read, modify or delete the content of storage -Allow us to store your content on your device
-View Wi-Fi connection-This allows us to switch from offline mode to online mode to synchronize your content
The above permissions are selected to join, and you can change your settings in the "settings"-"application"-"permissions" of mobile devices at any time.
When you use your application to track your financial status, your transaction data is stored on our server, including income, expenditure, category, amount, currency, label, account type, date, time and other detailed information provided by users.
The purpose of our personal data we use
Your data may be used to provide your request related services related to your use of wallets or Monezy. Send you a communication or contacting you for our service or preferential information. We use your data for statistics and marketing analysis, system testing, maintenance and development, or process your request or claim through our customer service channels. According to your data, we use your data to provide information we think are interested, such as suggestions on financial behavior or special offers from our partners.
We may use analysis technology to create reports and analyze your preferences (geographical data, purchase preferences, planned expenditures), which will enable us to provide you with better services and provide you with personalized discounts. We use Google Analytics, Facebook Analytics, Mixpanel, and Fabric analysis services to be able to send more relevant messages to you according to your behavior.
If you use the application provided by Monezy, we may send push notifications or in -apps to your electronic wallet from time to time, or send commercial communication via email. You can turn off this kind of communication in an electronic wallet, or cancel this service according to the instructions at the end of each such email communication.
If you subscribe to our current affairs communication services, it means that you authorize us to send you a commercial communication to your email or push notification or the application in the application directly to your application, and the third party tailor -made according to your interests The commodity and service quotation, until you turn off such communication in an electronic wallet, or cancel such communication according to the instructions at the end of each such email communication.
We will not share these summary data with any third party, unless it is anonymous or a pseudonym (for example, using only your Apple ID code or Google ID code, which does not allow third parties to identify you), or you ask us to share data from sharing data And provide us with consent to such sharing.
The receiver of your personal data
The law may require us to grant the authority of your personal data to the judicial agencies or other government agencies, especially law enforcement agencies,, especially law enforcement agencies, or other government agencies, especially law enforcement agencies.
When you register a social service account, your data may also be shared with a third -party social media provider. See the privacy policy of these social media providers to understand more information about your account settings.
To provide you with some services, such as bank connection, we share your personal data with the trusted third parties or banks. According to your request and clearly agree to share data, we may also share your data with the operator of third -party applications.
In addition, we share your data with different data processors in daily processing, that is, our suppliers, mainly express companies, IT suppliers, hosting and marketing service providers, statistics and database software tools, as well as in We provide other entities we provide. In addition to data processors, we also transmit your personal data to third parties that are not restrained by our instructions. For example, our consultant, lawyer or tax consultant receives your data from us according to the contract, and handle your personal data for legal reasons or to protect our own interests.
Since we use different data processors and other service providers and change them from time to time, it is not suitable to determine a specific receiver of personal data. However, if you are interested, we will disclose the name of the processor used at the time according to your requirements.
Bank connecting user specific information
When you request Monezy as a user to provide you with account information services (AIS) defined in their respective payment regulations, this section is applicable, especially but not limited to PSD2 that Monezy takes effect from time to time and all laws or regulations to make PSD2 take effect. No matter what application you ask MoneZy to provide you with AIS, that is, wallet or other third -party applications (such as WoolSocks operated by WoolSocks AG). Please note that other provisions of this privacy policy are also applicable, but it is only applied within a feasible range.
If you ask Monezy to provide you with account information services, you agree to the constraints of our service terms and any third -party license or service clause (depending on the situation, and will be notified). All personal information you provided by participating in the bank connection function or during your participation in the bank connection function will only be processed to provide you with account information services. Your account information and all other personal data accessed through the bank connection function are transmitted by a security protocol in a security protocol and temporarily stored on our server. This information cached temporarily in a way that Monezy could not read.
agree
If you agree with us to handle your personal data, you can withdraw your consent at any time without affecting the legality of the processing based on consent before withdrawal. Delete your consent, or cancel the subscription in description at the end of each such email communication.
Security policy
We follow strict security procedures when storing and disclosing your personal data. In order to abide by the highest technical standards and prove our internal procedures, we have passed the ISO 27001 standard certification, and our system is tested regularly according to the complete OWASP method.
Data protection
We use 2 different database systems. One is used for user configuration file storage, and the second is for personal user data. Both databases are accessed through safe SSL protocols.
communication
All private data exchanged with PROVIDER is always transmitted through SSL. We will not transmit your data to the area outside the European Union.
touch
You can contact the provider through the following email address: tapgapstudio@gmail.com or through the connection form on the website https://monezy.com, you need any information about personal data protection, or if you want to claim any rights, you want any rights, any right, Please contact our data protection officer tapgapstudio@gmail.com Our DPO will reply to your inquiry within 24 hours of normal working days.
Personal data processing related to your rights
The right to visit your data
You have the right to ask us to provide you with confirmation of whether we handle your personal data, and in this case, grant you to access your personal data and the following information: (a) the purpose of processing; (b) relevant personal information about personal information Category; (C) Personal data has already been disclosed, the recipient category of the recipients or receivers, especially the receiver of the third country or international organization; (d) the expected storage period of personal data, or If it is impossible, it is used to determine the standard of this period; (e) Whether we require us to correct or delete personal data or restrict the right to process personal data or oppose the right to such processing; Rights; (g) If personal data is not collected from you, any available information about its source; This type of processing is importance and expected consequences. If your data is transmitted to international organizations outside the third country or the European Union, you have the right to learn appropriate protection measures related to transmission. If you make a request, we will provide you with a copy of your personal data we are processing. For any more copies you ask, we may charge reasonable fees based on management costs. If you make a request in an electronic manner, unless you have another request, the information will be provided to you in common electronic forms. The right to obtain a copy mentioned in paragraph 3 shall not adversely affect the rights and freedom of others.
Rectification right
You have the right to ask us to immediately correct any inaccurate personal data related to you. Considering the purpose of processing, you have the right to make up incomplete personal data, including the way to provide supplementary statements.
Delete
In the following circumstances, you have the right to ask us to immediately delete your personal data: (A) For the purpose of collecting or processing personal data in other ways, these personal data is no longer needed; (b) the basis for which we agree with Process your personal data on the top, and you withdraw your consent and have no other legal basis for processing; (C) You have objections to the personal automatic decision and do not overwhelm the legitimate reasons to deal with it, or you oppose the direct marketing purpose to deal with you. Personal data, including analysis and marketing related to such direct marketing; (D) Personal data has been illegally processed; (E) To comply with the legal obligations of the EU or the laws we follow Collect personal data related to information social services to children under 16 years of age. This is not applicable to the situation that must be processed: (a) the legal obligations that require the EU or the laws we are restrained, or to exercise the official power of the controller for public interests or to perform tasks; b) To establish, exercise or defend legal requirements. (A) A legal obligations that are required to be dealt with by the EU or the laws that we are subject to are performed, or the tasks of implementing the official power of public interests or exercising the controller of the controller; (b) to establish, exercise or defend legitimate requirements. (A) A legal obligation that requires the law that the European Union or the laws we are subject to, or implement the tasks implemented for public interests or exercise the official power given by the controller; (b) to establish, exercise or defend legal requirements.
Data deletion policy
You have the right to demand to delete your personal information from our main production server. You have your data. At any time you want to delete your data from our system, you can ask us to delete your account from our production server. Therefore, your data will be permanently deleted from our production server and cannot further access your account. In addition, any connection we have established with your account information will be disconnected. However, in order to ensure that we can continue to provide you with a failure or damage in our production server, we will retain some data from some data from your account information on our production server. Your summary data is stored in these servers indefinitely.
You have the responsibility to maintain the accuracy of the information you submitted to us, such as the contact information provided as part of the account registration. If your personal information changes, or if you don't want to use our service anymore, you can change the service at any time to correct or delete inaccurate information or modify the information. However, in some cases, we cannot delete all the information about your own.
Restriction
If one of the following situations, you have the right to request us to limit processing: (a) you have objections to the accuracy of personal data, and time enables us to verify the accuracy of personal data; Personal data and require restrictions on their use; (C) We no longer need personal data for processing purposes, but you need them to establish, exercise or defend legal claims; (D) You oppose the purpose of personal automatic decision -making, and you are dealing with To verify whether our legal reasons are the legal reasons for the data controller to be a legal reason for your data subject. In the case of processing restrictions, in addition to the storage, such personal data should be: only if you agree or to establish, exercise or defend the rights of law or protect the rights of another natural person or legal person or from the EU or member Reasons for important public interests of the country. You have the right to get our notice before canceling the processing limit.
Data portable right
When registering our system or using our application, you have the right to receive the relevant personal data provided to us in the format of structured, commonly used and machine -available, and you have the right to transmit this data to another person Unhindered service providers, of which: (a) processing is based on your contract or contract; (b) processing is performed by automated. We will provide you with emails in .csv, .xls or .pdf formats. We use these data when using our system. You can ask us to transfer data directly to other service providers under the circumstances of technology. The right to exercise data transplantation does not mean that you cancel your service or you withdraw your consent to our personal data. This will not affect the services we provide for you before such requests. If your data transplantation request will adversely affect the rights and freedom of others, we may refuse your request.
Opposition and automation personal decision -making
We analyze it only for direct marketing goals. We will not analyze any personal data that you provide or we collect any of your personal data when we use our wallet to make any automatic decision -making process, and we will not provide such tools or information to any third party. If we handle your personal data for direct marketing goals, you have the right to oppose the personal data related to such marketing related to you, including such direct marketing analysis. If you oppose direct marketing goals, your personal data will no longer be used for such purposes. As a data controller, we will no longer deal with your personal data for this purpose, unless we prove that there are convincing legal reasons to deal with your interests, rights and freedom or establish, exercise or defend legal requirements. You can change your consent by deleting your consent in the wallet -setting -personal data and privacy parts.
As a data main body, you have the right to be restricted by the decision based on automatic processing (including analysis [1]), unless you clearly agree, the decision will have a legal effect on you or have a similar significant impact on you.
complain
If you find or think that the processing of your personal data violates your privacy or law, especially if personal data is inaccurate in terms of processing purpose, you can seek explanation through tapgapstudio@gmail.com delete. In particular, it may prevent, repair, supplement, or process personal data. If we find that the objection is reasonable, we will approve the request. If you suffer losses other than property losses due to your personal data, you will have the right to remedy measures based on the Czech Civil Code. If the controller or the data processor violates the obligations stipulated by the law when dealing with personal data, these people will bear joint responsibility. According to the law, when the request is prevented.