Terms and Conditions

1. Introduction

Welcome to QISS Ltd! By accessing or using our platform, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please refrain from using our services.

2. User Accounts

Users must provide accurate and up-to-date information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for any activity occurring under your account. Unauthorised access to or use of accounts is strictly prohibited. If you suspect a breach, you must notify us immediately.

3. Subscriptions and Payments

All subscription fees or payments must be made on time and in full as per the agreed terms.

In the event of non-payment or late payment, QISS Ltd reserves the right to suspend or cancel access to our services without prior notice.

Any business disruption, loss of revenue, or other consequences arising from the suspension or cancellation of services due to non-payment shall not be the responsibility of QISS Ltd.

It is the customer’s responsibility to ensure that payment details are accurate and that sufficient funds are available for timely payments.

Reinstatement of services following suspension or cancellation due to non-payment may require the settlement of outstanding balances and may incur additional fees.

4. Acceptable Use

By using our platform, you agree not to:

Engage in illegal activities or use the platform for unlawful purposes.

Share or upload content that is harmful, offensive, defamatory, or infringes on the rights of others.

Attempt to compromise the security or functionality of our systems, including hacking or exploiting vulnerabilities.

5. Limitation of Liability

QISS Ltd provides services on an “as is” and “as available” basis. We do not guarantee uninterrupted or error-free services.QISS Ltd shall not be held liable for any losses, damages, or expenses arising from the use or inability to use our platform.

6. Intellectual Property

All content, trademarks, and intellectual property available on this website are owned by or licensed to QISS Ltd.

You may not copy, reproduce, distribute, create derivative works from, or otherwise use any content, including images, without obtaining express written consent from QISS Ltd.

If you wish to use any of our images or other content, please contact us to request permission.

Unauthorised use of our intellectual property is strictly prohibited and may result in legal action.

7. Termination of Access

We reserve the right to suspend or terminate access to our platform at any time for any user found violating these terms. Termination of access does not waive any outstanding obligations or liabilities under these terms.

8. Governing Law

These Terms and Conditions shall be governed and interpreted in accordance with the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Amendments

QISS Ltd reserves the right to update these Terms and Conditions from time to time. Significant changes will be communicated via email or through notifications on our website. Continued use of the platform after such updates constitutes your acceptance of the revised terms.

10. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us.

Privacy Policy

Last updated: April 27, 2025

This Privacy Notice for QISS LTD ("we", "us", or "our") describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

➔ Visit our website at https://qissltd.co.uk/, or any website of ours that links to this Privacy Notice;

➔ Engage with us in other related ways, such as through sales, marketing, or events.

Questions or concerns?

Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at 📧 [email protected].

Summary of Key Points

This summary provides key highlights from our Privacy Notice.

You can find more details about any of these topics by clicking the links following each point or by using the table of contents below.

➔ What personal information do we process?

When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us, the choices you make, and the products and features you use.

Learn more in "What Information Do We Collect?"

➔ Do we process any sensitive personal information?

Some jurisdictions consider information such as racial or ethnic origins, sexual orientation, and religious beliefs as sensitive ("special").

We do not process sensitive personal information.

➔ Do we collect information from third parties?

We do not collect information from third parties.

➔ How do we process your information?

We process your information to:

Provide, improve, and administer our Services;

Communicate with you;

Enhance security and prevent fraud;

Comply with applicable laws;

For other purposes with your consent.

We process your information only when we have a valid legal reason to do so.

Learn more in "How Do We Process Your Information?"

➔ In what situations and with whom do we share personal information?

We may share information in specific situations and with specific third parties.

Learn more in "When and With Whom Do We Share Your Personal Information?"

➔ How do we keep your information safe?

We implement appropriate organisational and technical measures to protect your personal information.

However, no internet transmission or electronic storage technology can be guaranteed 100% secure.

Learn more in "How Do We Keep Your Information Safe?"

➔ What are your rights?

Depending on your location, privacy laws may grant you certain rights regarding your personal information.

Learn more in "What Are Your Privacy Rights?"

➔ How do you exercise your rights?

The easiest way to exercise your rights is by submitting a data subject access request or by contacting us.

We will handle any request in accordance with applicable data protection laws.

1. What Information Do We Collect?

Personal Information You Disclose to Us

In Short:

We collect personal information that you voluntarily provide to us.

We collect personal information when you:

➔ Register on the Services;

➔ Express an interest in obtaining information about us or our products and Services;

➔ Participate in activities on the Services;

➔ Otherwise contact us.

Personal Information Provided by You

The personal information we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use.

This may include:

➔ Email addresses

➔ Names

➔ Phone numbers

➔ Job titles

➔ Contact preferences

➔ Billing addresses

➔ Debit/credit card numbers

Sensitive Information

➔ We do not process sensitive personal information.

Payment Data

➔ We may collect data necessary to process your payment (e.g., payment instrument number, security code).

➔ All payment data is handled and stored by Stripe.

You can review their privacy notice here: Stripe Privacy Notice.

Social Media Login Data

➔ We may offer you the option to register using your existing social media account (e.g., Facebook, X).

➔ If you choose to register in this way, we will collect certain profile information from the social media provider.

More details are available in the section "HOW DO WE HANDLE YOUR SOCIAL LOGINS?"

Accuracy Requirement

➔ All personal information you provide to us must be true, complete, and accurate.

➔ You must notify us of any changes to such personal information.

Information Automatically Collected

In Short:

Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services.

This information does not reveal your specific identity (such as your name or contact information) but may include:

➔ Device and usage information (IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location);

➔ Information about how and when you use our Services;

➔ Other technical information.

This information is primarily needed to:

➔ Maintain the security and operation of our Services;

➔ Conduct internal analytics and reporting.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

➔ Log and Usage Data:

Service-related, diagnostic, usage, and performance data automatically collected and stored in log files.

Depending on how you interact with us, this may include:

IP address

Device information

Browser type and settings

Usage data (e.g., date/time stamps, pages viewed, search queries, feature use)

Device event information (e.g., system activity, crash reports, hardware settings)

➔ Location Data:

We collect location data, which can be precise or imprecise, based on the type and settings of your device.

Examples include:

GPS data;

IP address-based location.

You can opt out of location data collection by:

Refusing access to location data;

Disabling your device’s Location setting.

Note: Opting out may affect certain aspects of the Services.

Use of Google APIs

Our use of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

2. How Do We Process Your Information?

In Short:

We process your information to provide, improve, and administer our Services, communicate with you, enhance security and fraud prevention, and comply with applicable laws.

We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

➔ To facilitate account creation and authentication and manage user accounts:

We process your information so you can create and log into your account and maintain your account in working order.

➔ To deliver and facilitate the delivery of services:

We process your information to provide you with the services you request.

➔ To respond to user inquiries and offer support:

We process your information to respond to your inquiries and solve any potential issues you might have with the requested service.

➔ To send administrative information:

We process your information to send you important details about our products, services, changes to our terms and policies, and other relevant information.

➔ To fulfil and manage orders:

We process your information to manage and fulfill orders, payments, returns, and exchanges made through our Services.

➔ To enable user-to-user communications:

We process your information if you choose to use features that allow communication with another user.

➔ To save or protect an individual's vital interest:

We process your information when necessary to prevent harm or protect the vital interests of you or another individual.

3. What Legal Bases Do We Rely On to Process Your Information?

In Short:

We only process your personal information when we believe it is necessary and when we have a valid legal reason (i.e., legal basis) under applicable law — such as your consent, compliance with legal obligations, fulfillment of contracts, protection of your rights, or to pursue our legitimate business interests.

If You Are Located in the EU or UK

Under the General Data Protection Regulation (GDPR) and UK GDPR, we rely on the following legal bases to process your personal information:

➔ Consent:

We may process your information if you have given us permission (i.e., consent) for a specific purpose.

➔ You can withdraw your consent at any time.

➔ Performance of a Contract:

We may process your personal information to fulfill our contractual obligations to you, including providing our Services, or at your request prior to entering into a contract.

➔ Legal Obligations:

We may process your information where necessary to comply with our legal obligations, cooperate with law enforcement or regulatory bodies, exercise or defend legal claims, or respond to litigation.

➔ Vital Interests:

We may process your information when necessary to protect your vital interests or the vital interests of another person, especially in situations involving potential threats to safety.

If You Are Located in Canada

We may process your information based on:

➔ Express Consent:

You have explicitly given us permission to use your personal information for a specific purpose.

➔ Implied Consent:

In some cases, your consent can be reasonably inferred based on your actions or circumstances.

➔ You can withdraw your consent at any time.

Exceptional Cases (Without Consent)

In certain exceptional cases permitted under Canadian law, we may process your personal information without consent, including:

➔ If collection is clearly in the individual's interests and consent cannot be obtained in a timely way;

➔ For investigations and fraud detection and prevention;

➔ For business transactions, provided certain conditions are met;

➔ If contained in a witness statement necessary for insurance claims;

➔ For identifying, locating, or notifying next of kin of injured, ill, or deceased individuals;

➔ If there are reasonable grounds to believe an individual has been, is, or may be a victim of financial abuse;

➔ If obtaining consent could compromise the availability or accuracy of information needed for investigating a breach of an agreement or contravention of laws;

➔ If disclosure is required to comply with a subpoena, warrant, court order, or rules relating to the production of records;

➔ If the information was produced by an individual in their employment, business, or professional role and the collection is consistent with the purpose for which it was produced;

➔ If the collection is solely for journalistic, artistic, or literary purposes;

➔ If the information is publicly available as specified by regulation.

4. When and With Whom Do We Share Your Personal Information?

In Short:

We may share information in specific situations described in this section and/or with certain third parties.

We may need to share your personal information in the following situations:

➔ Business Transfers:

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5. Do We Use Cookies and Other Tracking Technologies?

In Short:

We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (such as web beacons and pixels) to gather information when you interact with our Services.

Some online tracking technologies help us:

➔ Maintain the security of our Services and your account;

➔ Prevent crashes and fix bugs;

➔ Save your preferences;

➔ Assist with basic site functions.

We also allow third parties and service providers to use online tracking technologies on our Services for purposes such as:

➔ Analytics and advertising;

➔ Managing and displaying advertisements;

➔ Tailoring advertisements to your interests;

➔ Sending abandoned shopping cart reminders (depending on your communication preferences).

The third parties and service providers use their technologies to deliver advertising about products and services tailored to your interests, which may appear either on our Services or on other websites.

Important Notice:

➔ To the extent these online tracking technologies are considered a "sale" or "sharing" (including targeted advertising as defined under applicable US state laws), you can opt out by submitting a request as explained in the section "DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?"

6. Do We Offer Artificial Intelligence-Based Products?

In Short:

We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies.

Use of AI Technologies

As part of our Services, we offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies (collectively, "AI Products"). These tools are designed to enhance your experience and provide you with innovative solutions. The terms in this Privacy Notice govern your use of the AI Products within our Services. We provide the AI Products through third-party service providers ("AI Service Providers"), including OpenAI.

➔ Your input, output, and personal information will be shared with and processed by these AI Service Providers to enable your use of our AI Products, based on the purposes outlined in "WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?"

➔ You must not use the AI Products in any way that violates the terms or policies of any AI Service Provider.

Our AI Products

Our AI Products are designed for the following function:

➔ AI Bots

How We Process Your Data Using AI

All personal information processed through our AI Products is handled in line with:

➔ Our Privacy Notice; and

➔ Our agreements with third-party AI Service Providers.

This ensures high levels of security and protects your personal information throughout the process, giving you peace of mind about the safety of your data.



7. HOW DO WE HANDLE YOUR SOCIAL LOGINS?

In Short: If you choose to register or log in to our Services using a social media account, we may have access to certain information about you.

Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or X logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, and profile picture, as well as other information you choose to make public on such a social media platform.

We will use the information we receive only for the purposes that are described in this Privacy Notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.


8. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this Privacy Notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise
such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.


9. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of
organisational and technical security measures.

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

10. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at
[email protected]
.

11. What Are Your Privacy Rights?

In Short:

Depending on your state of residence in the US or in some regions, such as the European Economic Area (EEA), United Kingdom (UK), Switzerland, and Canada, you have rights that allow you greater access to and control over your personal information.

You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.

Your Rights in Certain Regions In some regions (like the EEA, UK, Switzerland, and Canada), you may have the following rights under applicable data protection laws:

➔ Right to request access and obtain a copy of your personal information;

➔ Right to request rectification or erasure;

➔ Right to restrict the processing of your personal information;

➔ Right to data portability (if applicable);

➔ Right not to be subject to automated decision-making;

➔ Right to object to the processing of your personal information in certain circumstances.

You can make a request by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.

We will consider and act upon any request in accordance with applicable data protection laws.

Complaints

➔ If you are located in the EEA or UK and believe we are unlawfully processing your personal information, you have the right to complain to your Member State data protection authority or the UK data protection authority.

➔ If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.

Withdrawing Your Consent

If we are relying on your consent to process your personal information (whether express or implied), you have the right to withdraw your consent at any time.

➔ You can withdraw your consent by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"

Please note:

Withdrawal of consent does not affect the lawfulness of processing before the withdrawal.

Where permitted by law, processing may continue based on other lawful grounds even without consent.

Opting Out of Marketing and Promotional Communications

You can unsubscribe from our marketing and promotional communications at any time by:

➔ Clicking on the unsubscribe link in our emails;

➔ Replying "STOP" or "UNSUBSCRIBE" to SMS messages;

➔ Contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"

Please note:

Even if you opt out of marketing communications, we may still send you necessary service-related messages regarding your account or transactions.

Account Information

If you would like to review or change the information in your account or terminate your account, you can:

➔ Contact us using the contact information provided.

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases.

However, we may retain certain information to:

➔ Prevent fraud,

➔ Troubleshoot problems,

➔ Assist with investigations,

➔ Enforce our legal terms,

➔ Comply with legal requirements.

Cookies and Similar Technologies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to:

➔ Remove cookies;

➔ Reject cookies.

Note:

If you choose to remove or reject cookies, certain features or services of our website may be affected.

If you have any questions or comments about your privacy rights, please email us at

📧 [email protected]


12. Controls for Do-Not-Track Features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference — not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognising and implementing DNT signals has been finalised.

As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will update this Privacy Notice accordingly and inform you about that practice.

California Law Notice: California law requires us to disclose how we respond to web browser DNT signals.

➔ Because there is currently no industry or legal standard for recognising or honouring DNT signals, we do not respond to them at this time.

13. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.

Categories of Personal Information We Collect


We have collected the following categories of personal information in the past twelve (12) months:

➔ A. Identifiers

Examples: Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, and account name.

Collected: YES

➔ B. Personal information as defined in the California Customer Records statute

Examples: Name, contact information, education, employment, employment history, and financial information.

Collected: YES

➔ C. Protected classification characteristics under state or federal law

Examples: Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data.

Collected: YES

➔ D. Commercial information

Examples: Transaction information, purchase history, financial details, and payment information.

Collected: YES

➔ E. Biometric information

Examples: Fingerprints and voiceprints.

Collected: NO

➔ F. Internet or other similar network activity

Examples: Browsing history, search history, online behaviour, interest data, and interactions with our and other websites, applications, systems, and advertisements.

Collected: NO

➔ G. Geolocation data

Examples: Device location.

Collected: YES

➔ H. Audio, electronic, sensory, or similar information

Examples: Images and audio, video or call recordings created in connection with our business activities.

Collected: NO

➔ I. Professional or employment-related information

Examples: Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us.

Collected: YES

➔ J. Education information

Examples: Student records and directory information.

Collected: NO

➔ K. Inferences drawn from collected personal information

Examples: Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics.

Collected: YES

➔ L. Sensitive personal information

Examples: [Not specifically detailed — refers to sensitive data categories].

Collected: NO

We may also collect other personal information outside of the listed categories through interactions such as:

➔ Receiving help through our customer support channels;

➔ Participation in customer surveys or contests; and

➔ Facilitation in the delivery of our Services and responding to your inquiries.

Retention of Personal Information

We will use and retain the collected personal information as needed to provide the Services or for the following durations:

➔ Category A – As long as the user has an account with us

➔ Category B – As long as the user has an account with us

➔ Category C – As long as the user has an account with us

➔ Category D – As long as the user has an account with us

➔ Category G – As long as the user has an account with us

➔ Category H – As long as the user has an account with us

➔ Category I – As long as the user has an account with us

➔ Category K – As long as the user has an account with us

Sources of Personal Information

Learn more about the sources of personal information we collect in
'WHAT INFORMATION DO WE COLLECT?'

How We Use and Share Personal Information

➔ We may disclose your personal information to our service providers under a written contract between us and each service provider.

Learn more about how we disclose personal information in the section "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?"

➔ We may use your personal information for our own business purposes, such as conducting internal research for technological development and demonstration.

This is not considered "selling" of your personal information.

➔ We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months.

We will not sell or share personal information in the future belonging to website visitors, users, and other consumers.

Your Rights

You have rights under certain US state data protection laws. However, these rights are not absolute, and in some cases, we may decline your request as permitted by law.

These rights include:

➔ Right to know whether or not we are processing your personal data

➔ Right to access your personal data

➔ Right to correct inaccuracies in your personal data

➔ Right to request the deletion of your personal data

➔ Right to obtain a copy of the personal data you previously shared with us

➔ Right to non-discrimination for exercising your rights

➔ Right to opt out of the processing of your personal data if it is used for:

Targeted advertising (or sharing as defined under California’s privacy law)

Sale of personal data

Profiling in furtherance of decisions that produce legal or similarly significant effects ("profiling")

Additional Rights Based on Your State of Residence

Depending upon the state where you live, you may also have the following rights:

➔ Right to access the categories of personal data being processed (e.g., under Minnesota privacy law)

➔ Right to obtain a list of the categories of third parties to whom we have disclosed personal data (e.g., California, Delaware, Maryland laws)

➔ Right to obtain a list of specific third parties to whom we have disclosed personal data (e.g., Minnesota and Oregon laws)

➔ Right to review, understand, question, and correct how personal data has been profiled (e.g., Minnesota privacy law)

➔ Right to limit the use and disclosure of sensitive personal data (e.g., California privacy law)

➔ Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (e.g., Florida privacy law)

How to Exercise Your Rights

To exercise your rights, you can:

➔ Submit a Data Subject Access Request;

➔ Email us at [email protected];

➔ Refer to the contact details at the bottom of this document.

Under certain US state data protection laws, you may designate an authorised agent to make a request on your behalf.

We may deny a request from an authorised agent if they do not submit proof that they have been validly authorised to act on your behalf according to applicable laws.

Request Verification

Upon receiving your request, we will need to verify your identity to confirm you are the individual about whom we have collected information.

We will only use the personal information provided in your request to verify your identity or authority to make the request.

If we cannot verify your identity based on the information we already hold, we may request additional information for security or fraud-prevention purposes.

If you submit a request through an authorised agent, we may require:

➔ Additional information to verify your identity; and

➔ Written and signed permission from you authorizing the agent to act on your behalf.

Appeals

Under certain US state data protection laws, if we decline to take action regarding your request, you have the right to appeal our decision.

You may appeal by emailing us at [email protected].

We will inform you in writing of any action taken or not taken in response to the appeal, including the reasons for our decision.

If your appeal is denied, you may submit a complaint to your State Attorney General.

California 'Shine The Light' Law

California Civil Code Section 1798.83, also known as the 'Shine The Light' law, allows California residents to request, once a year and free of charge, information about:

➔ Categories of personal information disclosed to third parties for direct marketing purposes;

➔ Names and addresses of all third parties with which we shared personal information during the immediately preceding calendar year.

If you are a California resident and wish to make such a request, please contact us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"

14. DO OTHER REGIONS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: You may have additional rights based on the country you reside in.

Australia and New Zealand

We collect and process your personal information under the obligations and conditions set by Australia's Privacy Act 1988 and New Zealand's Privacy Act 2020 (Privacy Act).

This Privacy Notice satisfies the notice requirements defined in both Privacy Acts, particularly regarding:

➔ What personal information we collect from you;

➔ From which sources;

➔ For which purposes;

➔ Other recipients of your personal information.

If you do not wish to provide the personal information necessary to fulfill the applicable purposes, it may affect our ability to provide our services, including:

➔ Offering you the products or services that you want;

➔ Responding to or helping with your requests;

➔ Managing your account with us;

➔ Confirming your identity and protecting your account.

At any time, you have the right to request access to or correction of your personal information.

You can make such a request by contacting us using the contact details provided in the section "HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?"

If you believe we are unlawfully processing your personal information, you have the right to submit a complaint:

➔ For breaches of the Australian Privacy Principles: Contact the Office of the Australian Information Commissioner.

➔ For breaches of the New Zealand Privacy Principles: Contact the Office of the New Zealand Privacy Commissioner.

Republic of South Africa

At any time, you have the right to request access to or correction of your personal information. You can make such a request by contacting us using the contact details provided in the section "HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?"

If you are unsatisfied with the manner in which we address any complaint regarding our processing of personal information, you can contact the office of the regulator. The details are:

The Information Regulator (South Africa)

➔ General enquiries: [email protected]

➔ Complaints (complete POPIA/PAIA form 5):

[email protected] & [email protected]

15. DO WE MAKE UPDATES TO THIS NOTICE?


Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Revised" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either:

➔ By prominently posting a notice of such changes


➔ By directly sending you a notification.


We encourage you to review this Privacy Notice frequently to stay informed about how we are protecting your information.

16. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at [email protected]

17. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?


Based on the applicable laws of your country or state of residence in the US, you may have the right to:

➔ Request access to the personal information we collect from you;


➔ Obtain details about how we have processed your information;


➔ Correct inaccuracies in your personal information;


➔ Delete your personal information;


➔ Withdraw your consent to our processing of your personal information.


These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please fill out and submit a Data Subject Access Request.

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