Privacy Policy

Introduction

This Privacy Policy explains to Users of the Koinz website (koinz.app), mobile applications offered by Koinz and/or applications offered by third-parties integrated to the Koinz platform ("Koinz Apps"), microsites, software and services (collectively, the "Service"), how Koinz, Ltd. doing business as Koinz ("Koinz", "we" or "us"), gathers and uses information collected in connection with use of the Service and Koinz Apps. Koinz takes reasonable steps to protect User privacy consistent with the guidelines set forth in this Privacy Policy and with all applicable laws. In this Privacy Policy, "User" or "you" means any person using the Service, whether by browsing the Koinz website or installing or using Koinz App, paying for items and/or transactions through Koinz using a Koinz App, engaging in loyalty and rewards programs ("Programs") offered by Koinz merchants (each a "Merchant"), or participating in any other activities available through the Service.

This Privacy Policy applies to all electronic and manual collection, and use of Personal Information, including via any mobile applications, electronic mail, mobile number and other services that link to this Privacy Policy.

This Privacy Policy supplements the terms of services posted on this Platform, and does not supersede the provisions of the terms of services in case of conflict.

BY ACCESSING OR USING THE SERVICE AND ANY KOINZ APP, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY AND OUR USER TERMS OF SERVICE (http://www.Koinz.app/terms). IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

What Information Do We Collect?

Personal Information: Koinz collects some of your identifying information in connection with the Service, depending on how you use the Service. When you create a Koinz User Account  through a Koinz App, pay viaKoinz, engage in a Program, submit content to Koinz, complete a survey, send us feedback, request information about the Service, sign up for special offers from third parties, Koinz may collect information from you, which could include the following (collectively, "Personal Information"):

      first and last name

      mailing address

      email address

      User picture

      Telephone/ /Mobile number

      date of birth

      Location in case of the ordering

      dietary preferences

      merchant transaction and Program data (including the amount, date, and location of the transaction, the amount of points earned and redeemed, and the identity and amount of items purchased), and

      non-Financial Information related to your payment instruments, such as expiration date.

You do not have to provide Personal Information to Koinz, but you may not be able to take advantage of all features of the Service if you do not.

Financial Information: In order to use the Service and the Koinz platform to initiate Koinz transactions at partner merchants, you will need to link a payment instrument, such as a debit or credit card account number, to your Koinz User Account ("Financial Information"). Koinz will only collect Financial Information from Users using a secure, transparent pass through to our third-party data vault and payment gateway provider (Paytaps), and Koinz will never store your Financial Information itself. Koinz and its providers maintain compliance with all laws and rules protecting the privacy of your financial information, including the Payment Card Industry Data Security Standard (PCI-DSS).

Web/Mobile Tracking Information: Koinz and its third-party service providers may use web and/or mobile tracking technologies, such as cookies, beacons, pixel tags and clear GIFs, to collect data related to usage of the Service, the Programs, and web and email marketing conducted by or on behalf of Koinz. Such data may include:

      the address of the websites you visited before and after you visited the Service,

      the type of browser you are using,

      your Internet Protocol (IP) address,

      what pages in the Service you visit and what links you clicked on,

      the identification for advertising associated with your iOS or Android device, and

      identifiers of beacons communicated to a Koinz App.

In order to collect Web/Mobile Tracking Information and to make your use of the Service more efficient, we may store cookies on your device. Koinz and third party contractors engaged to provide services on behalf of Koinz ("Contractors") may also use web tracking technologies that are placed in web pages on the Service or in email communications to collect information about actions that users take when they interact with the Service or such email communications. Web Tracking Information is not correlated by Koinz to individual users. Mobile Tracking information may be correlated to individual Users. Some Web Tracking Information may include data, such as IP address data, that is unique to you. You may be able to modify your browser settings to alter which web tracking technologies are permitted when you use the Service, but this may affect the performance of the Service.

 How Does Koinz Use and Share Your Information?

All companies need to share users personal information to run their everyday business. In this section, we explain the reasons that companies can share their customers' personal information; the reasons Koinz chooses to share information; and whether you can limit this sharing.

Personal Information: Koinz will use and store your Personal Information to deliver the Koinz Service to you (including charges, receipts, rewards tracking and notifications, and system notifications); to market customer rewards to you; to improve our products and services; to create a digital wallet to allow users and merchants to store, and manage the online shopping information, such as visit data, branch name, visit receipt and total earned points for marketing and promotional SMS services; to investigate (and remedy) fraudulent or allegedly fraudulent activity; and to perform aggregated data analysis. Additionally, any Personal Information that we collect via Facebook will be used for open graph posts.

Koinz does not sell or rent its mailing and phone numbers list,. Koinz will disclose your Personal Information to third parties in the following limited circumstances:

      When you use the Koinz Service at a Merchant, Koinz may disclose your Personal Information and the transaction details (location, amount) to the associated Merchant to aid in the utilization process and loyalty program tracking;

      Koinz may allow our Contractors who are performing marketing services, delivering goods, administering promotions, analyzing data and usage of the Service, processing credit card payments, operating the Service or providing support and maintenance services for the Service, or providing customer service, to access Personal Information. We require Contractors to use the Personal Information they access only in connection with the services they perform for Koinz. Koinz  Contractors will always be required to maintain the confidentiality of your personal information in accordance with this Privacy Policy.

      Koinz will permit access to your Personal Information by a Merchant or third-party that you specifically authorize to access your information, either by granting a party's express request for permissions in a Koinz App, or by giving your phone number to the cashier at the first transaction, or by downloading and logging into a Koinz app with your Koinz credentials, which grants to the Merchant providing the Koinz App permission to access your Personal Information, including the email address/phone number you use to log in, and your transaction history.

Financial Information: Koinz will only ever use your Financial Information for the purpose of submitting an authorized charge to your payment instrument, in accordance with Koinz’s User Terms. Financial Information is never provided to Koinz in unencrypted form, or stored by Koinz. Your Financial Information is never disclosed to third parties, including Koinz Merchants, other than Koinz’s data vault and payment gateway provider (Paytaps).

Aggregate Information: Koinz may also use Personal Information to create aggregated data for analytical purposes. This statistical information does not contain any individual identifying information or contact information and is used to understand our customer base as a whole and to better serve our market. Koinz reserves the right to share such aggregated, non-identifiable data with 3rd parties.

Web/Mobile Tracking Information: Koinz uses Web and Mobile Tracking Information to administer the Service (including to deliver notifications to users), to understand how well our Service is working, and to develop aggregate, statistical information on usage of the Services. Koinz may disclose Web and/or Mobile Tracking Information, without individual identifying Personal Information (or with such information if you have specifically authorized the disclosure of Personal Information to that party), to third party advertisers and advertising agencies, Merchants, third party Koinz App providers, and Contractors, in order for Koinz and such third parties to analyze the performance of the Services and the behavior of users, to operate and improve the Service.

We may use UXCam, which is an analytics solution. UXCam may record: Screens visited, Interaction patterns (such as screen actions, gestures: taps, scrolls) and Device details (Type, Version, Model, Operating System). We are using the information collected by UXCam to improve our app. UXCam does not collect personally identifiable information and does not track your browsing habits across apps. For more information see Privacy Policy for Information Collected by the UXCam Service.

Additional Disclosures: Notwithstanding anything to the contrary in this Privacy Policy, Koinz reserves the right to use or disclose Personal Information and any other information Koinz collects in connection with the Service: (a) to any successor to Koinz’s business, including as a result of any merger, acquisition, asset sale or similar transaction; (b) to any law enforcement, judicial authority, or governmental or regulatory authority, to the extent required by law or legal process; or (c) if in Koinz’s reasonable discretion, such use or disclosure is necessary to enforce or protect Koinz’s legal rights or to protect the legal rights of third parties.

General

Facebook Connect: If you connect to the Koinz Service using Facebook Connect, you agree that any identifying information obtained by us by reason of your connection using Facebook Connect will constitute Personal Information for the purposes of this Privacy Policy, and you consent to our use and disclosure of such information in accordance with this Policy. If we stop using Facebook Connect as an access mechanism, you agree that we will nevertheless retain any Personal Information in accordance with this Policy.

Security: We use reasonable security precautions to protect the security and integrity of your Personal Information in accordance with this Policy and all applicable laws. However, no Internet transmission is completely secure, and we cannot guarantee that security breaches will not occur. Without limitation of the foregoing, we are not responsible for the actions of hackers and other unauthorized third parties.

6. Contact us

If you have any questions regarding privacy while using the Application, or have questions about our practices, please contact us via email at support@koinz.app