1. General

1.1. Our Privacy Policy
HELP365 Holding AG (“we” or “us”) are committed to protecting your information and respecting your privacy. This Privacy Policy together with the General Terms and Conditions set out the basis on which any personal data we collect from you, or which you provide to us, through our website www.help365.li (“Website”) or in connection with your Account will be processed by us. When you complete any form, speak with our staff or submit any details to us or using our Website, we will collect, use and disclose your personal information in the manner described in this Privacy Policy.

1.2. Changes to this Privacy Policy
Any changes we make to this Privacy Policy in the future will be posted on this page. Any new Privacy Policy will be effective from the time that it is posted on the Website. We reserve the right to make changes to our Privacy Policy at any time, without notice, where such change is required by applicable legislation.

2. Information We Collect

2.1 Information We Collect from You
We may collect and process the following data about you:
• your full name, address, email address, date of birth and bank or payment details and any proof of your identity and address,
• details of any transactions you carry out through our Website using your Account and of the fulfilment of your requests,
• details of any bank account (including, but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number “TAN” and password, available balance and transaction history of your bank account),
• details of any credit, debit or other card used by you for transactions,
• your participation in any promotion sponsored by us,
• correspondence that you send us,
• surveys that you complete,
• information collected through cookies,
• your IP address, log-in times, operating system and browser type,
• details of your visits to our Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our Website.

2.2 Information We Collect from Third Parties about You
In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies, including your financial history, county court judgements and bankruptcies, from credit reference and fraud prevention agencies when you open an Account and at any time when we feel it is necessary to prevent fraud and minimise our financial risks.

3. How We Use Your Information

We use information held about you in the following ways:
• to operate and administer your Account and to provide services that you have requested,
• to carry out your instructions to make and receive payments and undertake transactions using our services,
• to allow you to participate in interactive features of the Website,
• to notify you about changes to our service(s),
• to improve our trainings,
• to comply with financial services regulations including retention of financial information and transactions,
• for financial and identity checks, fraud prevention checks, anti-money laundering,
• for customer service, including answering questions and responding to feedback and complaints,
• to enhance the security of our services,
• to ensure that content on our Website is presented in the most effective manner for you and for your computer, and
• to provide you with information, products or services that you request from us or which we feel may interest you.

4. Storing Your Personal Data

4.1. Where is it Stored?
The data that we collect from you may be transferred to, and stored at, destinations in or outside the European Economic Area (“EEA”).
We have taken and will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy no matter where it is located.

4.2. Security
We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure of information we have physical, electronic and managerial procedures in place to keep your information safe.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your Account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

4.3. Retention
We are by law required to retain certain records for a period of at least five years after closure of your Account which will include your personal data such as your name, contact details, customer number and transaction history etc. Otherwise, we will delete and destroy all personal data that we hold about you when you (or we) terminate your Account. We do not store your login and password.

5. Disclosure of Your Information

5.1. Group Companies
We may disclose your personal information to any member of our companies. This may be necessary in order to, among other things, fulfil your request, process your files, provide support services and monitor fraudulent activities.

5.2. Merchants and other User
When sending money to another Account holder (User) or a merchant who you wish to pay we will, at a minimum, pass on your email address to the recipient. Depending on the requirements of the merchant and the type of payment involved, we may also send other personal details such as your name, address and country of residence if the recipients request this information from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks.

5.3. Other Disclosures
We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We do not sell your personal information to third parties.
We may also disclose your personal information to:
• a prospective buyer of our business or a buyer of a substantial number of the shares in our business,
• the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others,
• third parties where you have expressed an interest in receiving information about their goods and services, and
• third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral,
• third parties we may occasionally use to provide you with the services that you have requested. We require these third parties to not use your personal information for any other purpose.

6. Communicating With You

Normally we may contact you by email (email address registered in your Account).

6.1. Newsletters and Marketing
As an Account holder (Global User), you will occasionally receive information by email from us and with our newsletter.
From time to time we do share aggregated information about our customers’ use of our website and services with other companies for research and analysis purposes, but you cannot be identified from this aggregated information.

6.2. Phishing
Phishing is the name given to attempts to steal personal details and financial account details from a website user. “Phishers” use fake or “spoof” emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords.
If you do receive such an email or are asked for your password by anyone claiming to work for us please forward the email or report the incident by email to our support: support(at)help365.li

7. Links to Other Websites

Our Website contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Our Web site also includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

8. Accessing and Updating Your Information

If your personal details (such as your name, address, or E-Mail) change you should update and can also delete your details in the “Profile” section of your Account as soon as you can. We shall not be liable for any loss arising out of your failure to keep your personal details up to date.

9. Cookies

9.1. General
A cookie is a small amount of data which contains information that is downloaded to the device from which you access our site. Cookies are useful because they allow us and other websites to recognise your device.
Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. For example, they can allow you to navigate between web pages of our site and remember your preferences such as your language selection.

9.2. Types of Cookies and Consent
In order to comply with legislation, we have reviewed the use of cookies on our site and set out the information below. This is to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of these cookies on your device when you use our site.
In summary, we use the following types of cookies:
• Strictly necessary cookies – These are cookies which are essential for our site to operate such as those which identify you so you can log into your Account. They allow you to move around our website and use the services you have requested. These cookies will be activated when you enter our site and as you use our site.
• Compliance cookies – These include cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations. These cookies will be activated when you enter our site and as you use our site.
• Performance cookies – These are cookies that help us to improve how our site works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. All information collected by these cookies is aggregated and therefore anonymous.
• Functionality cookies – These cookies allow us to deliver a more personalised service to you.
• Third Party cookies – When you visit a page on our site with content embedded from third parties, for example, YouTube or Twitter, cookies may be downloaded onto your device. We do not set or control these cookies. If you are concerned about the types of cookies that may be downloaded you check the third party websites for more information about these cookies.
We may use cookies from time to time. By using our sites and other online services you agree that we can place Performance and Functionality Cookies on your device when you use our site.

9.3. Blocking Cookies

Should you want to continue using our services but restrict our use of cookies, you can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies you may not be able to access all or parts of our site. Our site may issue some of the cookies described above as soon as you visit our site unless you have adjusted your browser setting so that it will refuse cookies.

10. Contact Us

Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to:
Email: support(at)help365.li