Handi.cash Limited GDPR Privacy Policy

Handi.cash Limited is strongly committed to protecting your privacy and complying with your choices. Both personal and non-personal information collected is safeguarded according to the highest privacy and data protection standards adopted worldwide. We have always had a robust and effective data protection program in place which complies with existing law and abides by the data protection principles. However, we recognise our obligations in updating and expanding this program to meet the demands of the General Data Protection Regulation (EU) 2016/679 (GDPR) and the Data Protection Act (Cap 586).

Our Commitment

• Your information will not be shared, rented or sold to any third party.
• We use state-of-the-art security measures to protect your information from unauthorized users.
• We give you the possibility to control and manage information that you shared with us

Handi.cash Limited is committed to processing data in accordance with its responsibilities under the GDPR.

Article 5 of the GDPR requires that personal data shall be:

1. processed lawfully, fairly and in a transparent manner in relation to individuals;
2. collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes; further processing for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes shall not be considered to be incompatible with the initial purposes;
3. adequate, relevant and limited to what is necessary in relation to the purposes for which they are processed;
4. accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay;
5. kept in a form which permits identification of data subjects for no longer than is necessary for the purposes for which the personal data are processed; personal data may be stored for longer periods insofar as the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes subject to implementation of the appropriate technical and organisational measures required by the GDPR in order to safeguard the rights and freedoms of individuals; and
6. processed in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures.

1. Notice

We will clearly inform you when information that personally identifies you ("personal information") is asked for and you will have the choice to provide it or not. Generally, this information is requested when you [install/download/subscribe] to product updates, newsletters or other online services.

Personal Information may include the following:

• Identification data: name, and surname, date of birth, place of birth, identification document (including type of identification document, issue date, ID number, issuing authority), your selfie (photo).
• Contact data: address, telephone number, mobile phone number, e-mail address.
• Contact list: title, company, work email address, family name, given name, middle name, job title, phone number, postal address, date of birth,
• Data about tax residency: data about the country of residence, tax identification number, citizenship.
• Professional data: educational or professional career, occupation.
• Financial data: accounts and accounts data, payment instruments and payments instrument data, ownership, transactions, credits, income, liabilities, your financial experience and reputation, as well as other related data collected during the provision of services.
• Data on origin of assets or wealth: data regarding you transaction partners and business activities.
• Data about due diligence: data about payment behavior, data that enables us to perform our due diligence measures regarding money laundering and terrorist financing prevention and to ensure the compliance with national and international sanctions.
• Data processing by performing an obligation arising from law: data resulting from enquiries made by investigative bodies, notaries, tax administrator, courts and bailiffs.
• Communication data: data collected when you visit us or communicate with us via telephone, visual and/or audio recordings, e-mail, messages and other communication mechanisms, data related to your visit at Website or communicating through other channels (for example, mobile application).
• Data related to contractual obligations: the performance or the failure of the agreements, executed transactions, usage of ATMs, submitted applications, requests and complaints, service fees and charges.
• Data about the relationships with legal entities: data for the execution of transactions on behalf of the legal entity in question.
• Location data, for example, GPS coordinates.
• Information Technology data, for example, IP address, online identifier, information about device.
• Special categories of data, for example, Biometric data, such as finger print and facial images.

2. Usage

We use your personal information for the following purposes:

• The performance of contractual and pre-contractual obligations.
• To ensure compliance with applicable laws and regulations applicable to Handi.Cash Limited.
• Execution of transactions through the handi.cash app.
• Conduct of risk assessment analysis for appropriate distribution our services and related regulatory requirements.
• Distribution of system and promotional communications

We may collect your email when you register for the handi.cash application in order to send you and security communications relating to the verification of your login information submitted. We also collect your email to send you any promotional offers.

We may collect contact list information to facilitate finding contacts within the handi.cash app. The retrieved information helps us verify the beneficiary/(ies) of transactions executed.

We may also collect your name, language, currency, operating system, document searched and country information for a better experience with our services.

We may also contact the phone number that is provided if we suspect that the cardholder’s credit card information has been compromised, i.e used in a fraudulent way.

We also use our clients’ email in order to notify of the release of updated versions of the software, new services or promotional offers.

3. Consent

When you provide your personal information, you consent that it can be used for the above purposes and that handi.cash limited is an authorized holder of such information. When you activate your account, you are providing your consent to occasionally receive information from us. In each communication from us you will have the opportunity to unsubscribe from further communications; alternatively, you may contact us to express your choices at the address provided at the bottom of this page.

4. Your Rights

You are entitled to know, free of charge, what type of information Handi.cash holds and processes about you and why, who has access to it, how it is held and kept up to date, for how long it is kept, and what Handicash is doing to comply with data protection legislation. To review the personal information you have provided us and ensure that it is accurate and current at all times. To review or update this information simply send an email to dpo@handi.cash or request that we send you this information.

The GDPR establishes a formal procedure for dealing with data subject access requests. All data subjects have the right to access any personal information kept about them by Handi.cash. Requests for access to personal information by data subjects are to be made in writing and sent to dpo@handi.cash Your identification details such as ID number, name and surname have to be submitted with the request for access. In case we encounter identification difficulties, you may be required to present an identification document.

Handi.cash aims to comply as quickly as possible with requests for access to personal information and will ensure that it is provided within a reasonable timeframe and in any case not later than one month from receipt of request, unless there is good reason for delay. When a request for access cannot be met within a reasonable time, the reason will be explained in writing to the data subject making the request. Should there be any data breaches, the data subject will be informed accordingly.

All data subjects have the right to request that their information is not used or is amended if it results to be incorrect. Data subjects may also request that their data is erased. 

These rights may be restricted, if applicable, as per Data Protection Legislation.

5. Security of information

Handi.cash Limited is strongly committed to protecting your information and ensuring that your choices are honored. We have taken strong security measures to protect your data from loss, misuse, unauthorized access, disclosure, alteration, or destruction. All sensitive data is stored behind multiple firewalls on secure servers with restricted employee access.

We guarantee that all transactions follow the latest security measures and use the best available technologies. Secure Sockets Layer (SSL) technology is employed when you transmit sensitive information. SSL is one of the safest methods of passing information over the Internet.

6. Retention of information

We retain information as long as it is necessary to provide the services requested by you and others, subject to any legal obligations to further retain such information. Information associated with your account will generally be kept until it is no longer necessary to provide the services or until you ask us to delete it or your account is deleted whichever comes first. Additionally, we may retain information from deleted accounts to comply with the law, prevent fraud, resolve disputes, troubleshoot problems, assist with investigations, enforce the Terms of Use, and take other actions permitted by law. The information we retain will be handled in accordance with this Privacy Policy. Finally, your data could also be stored for sales statistical purposes.

7. EU and EEA Users’ Rights

If you are habitually located in the European Union or European Economic Area, you have the right to access, rectify, download or erase your information, as well as the right to restrict and object to certain processing of your information. While some of these rights apply generally, certain rights apply only in certain limited circumstances. We describe these rights below:

You have the right to access your personal data and, if necessary, have it amended or deleted or restricted. In certain instances, you may have the right to the portability of your data. You can also ask us to not send marketing communications and not to use your personal data when we carry out profiling for direct marketing purposes.

8. What we do with the Information you share

Your information is never shared outside the company without your permission. Inside the company, data is stored behind multiple firewalls on secure servers with restricted user access.

When you register to our handi.cash app, you are asked to provide your contact information, including a valid email address. We use this information to send you updates and information about our services.

In very rare instances handi.cash may disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the requirements of the law or comply with legal process served on handi.cash; (b) protect and defend the rights or property of handi.cash; and (c) act in urgent circumstances to protect the personal safety of users of handi.cash.

9. Does Handi.cash Limited privacy policy apply to linked websites?

Our Privacy Policy applies solely to information collected through handi.cash app.

The handi.cash app contains links to web sites of third parties. Handi.cash is not responsible for the actions of these third parties, including their privacy practices and any content posted on their web sites.

We encourage you to review their privacy policies to learn more about what, why and how they collect and use personal information. Handi.cash adheres to industry recognized standards to secure any personal information in our possession, and to secure it from unauthorized access and tampering.

However, as is true with all online actions, it is possible that third parties may unlawfully intercept transmissions of personal information, or other users of the Site may misuse or abuse your personal information that they may collect from the Site.

Handi.cash uses third-party advertising companies to serve our ads on the handi.cash app. These third-party advertising companies employ cookie and 1x1 pixel. gifs or web beacons to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites but will not collect any information which can personally identify you or can be linked to you. This information can include: date/time of banner ad shown, the banner ad that was shown, their cookie, and the IP address. This information can also be used for online preference marketing purposes.

This site will also allow you to review the third-party advertising companies' privacy policies.

10. Changes to this policy

If we make changes to our Privacy Policy, we will post these changes here so that you are always aware of what information we collect, how we use it and under what circumstances, if any, we disclose it. If at any point we decide to use your information in a manner different from that stated at the time it was collected, we will notify you by email.

11. Enforcement of policy

If for some reason you believe handi.cash Limited has not adhered to these principles, please notify us and we will do our best to promptly make corrections.

12. Questions or comments

If you have questions or comments about this privacy policy, please email us or write us at:

Handi.cash Limited

107/1 Suite 6, Triq il-Gallina

 Kappara San Gwann

SGN4118

Malta

dpo@handi.cash

For information about how to contact handi.cash limited please visit our contact page.

Last Updated : 23rd October 2024