Who we are
Suggested text: Our website address is: https://staging.fynetics.com.
Comments
Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
Suggested text: If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Suggested text: Visitor comments may be checked through an automated spam detection service.
PRIVACY POLICY
This privacy policy forms part of FYNETICS’s Terms and Conditions (“Privacy Policy”).
Interpretations:
The following definitions and abbreviations, used in this Privacy Policy, have the same meanings as defined in the Terms and Conditions and shall have the meaning and interpretation as set out in the Terms and Conditions.
INTRODUCTION
FYNETICS takes your right to privacy seriously, and wants you to feel comfortable using our Site.
By using our Site, you are agreeing to the terms and conditions of this Privacy Policy.
We, by Processing Personal Data, as part of the Services provided under the Terms and Conditions act as the Data Processor of Personal Data, under the direction and responsibility of us in our role as Data Controller of Personal Data.
When you make contact with us either via email, email form or chat (within the Site) or by telephone,we may, as part of the buying and selling process, collect certain personal information such as yourname, date of birth, address, and email address. We may also request information concerning your finances (debits and credits), financial service providers, personal budgets, financial plans, retirement and education goals.
This Privacy Policy does not apply to other entities that are not owned or controlled by our appointed person or entity in the capacity of Site administrator (“Site Administrator”), nor does it apply to persons that are not employees or agents of the Site Administrator, or that are not under the Site Administrator’s control.
CONSENT
We may only Process your Personal Data with your prior express and verifiable consent for a specificpurpose. Such purposes may include, amongst others (i) completing an application for Services (pre -contractual) (ii) completing the Service Agreement (iii) automated processing including Profiling (iv)completing a transaction (v) verifying your credit card details for payment or arranging for a refund (vi)communications with our call operators and financial planning consultants.
Subject to your prior express consent we may also perform voice recordings of conversations between you and our call operators and/ or financial planning consultants. Before recoding any voice conversations, we shall first require your prior express and verifiable consent. Such recordings are meant to benefit and substantiate the accurate recoding oy your Personal Data and Financial Information in order to provide the Services. You may decline us performing any voice recordings.
In assessing your eligibility for the Services, we may perform certain automated processing of your Personal Data which may involve Profiling, eg. Using credit referencing agencies. In such case we shall notify you of such automation processing and only perform such automated processing with your prior express consent. Profiling may, in certain circumstances, put at risk certain of your rights and freedoms and as such we will inform you of the implications in advance of performing any automated processing, for you to assess, considering the information at hand, if indeed you wish to provide consent.
In all circumstances we will provide you with an opportunity to say no.
WITHDRAWAL OF CONSENT
If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your Personal Data, at any time, by contacting us at email address
contact@fynetics.com.
You may not be able to opt-out of all information sharing, such as information sharing with credit card processors, in connection with payment for Services already provided by FYNETICS or certain information sharing with third parties that we are legally required to provide imposed on us by law. (For more information, see Disclosure below).
PROCESSING OF PERSONAL DATA
Subject to your prior express and verifiable consent, we will process your Personal Data for certain purposes (see CONSENT, above) either, via the Site, email, chat technology, voice over IP (VOIP),telephone or on paper taken by our call operators and/ or financial planning consultants.
Such Personal Data will typically include, but not limited to, (i) your valid e-mail address (ii) your username (that has not been chosen already) (iii) your full name, (iv) your street address, city, postal codeand (v) your date of birth. (See Terms and Conditions for more information on the provisions that applyto you concerning your registration obligations, user conduct and content submissions in addition toprovisions that apply to you within this Privacy Policy).
PROCESSING OF FINANCIAL INFORMATION AND PERSONAL DATA
In addition to Personal Data and again subject to your prior express and verifiable consent, we may, inorder to perform the Services, also request certain Financial Information from you concerning yourpersonal finances. Such Financial Information may include information concerning your financial serviceproviders, your personal budgets, your financial plans, your retirement and education goals and relatedinformation.
Such Financial Information may be used in automated processing which may involve Profiling (see CONSENT, above).
Processing of your Financial Information, subject to this Privacy Policy, is to aid the efficient performanceof the Services. In certain circumstances our financial planning consultants may join you on a call withyour bank or credit institution in order to assist you in obtaining more favourable terms and interestrates. In such instances our financial planning consultants may be privy to certain informationconcerning your accounts which may be of a sensitive nature. In such event we shall disclose to youwhat information may have been gleaned under such circumstances and will always make available toyou access to your records for you to assess what Financial Information or Personal Data we may haveon record. Your rights (see OUR OBLIGATIONS AND YOUR RIGHTS, below) will always apply, includinginter alia destruction of such information.
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In no circumstances, shall we record your credit card data (credit card number, CVV2 number, valid andexpiry dates) unless for payment purposes (see below, PAYMENT) and even in such instance, we shallnever maintain a record of your CVV2 number.
The processing of your Financial information we take very seriously and
USE OF PERSONAL DATA
We only collect Personal Data that is relevant to the purpose and business of our Site. This informationallows us to provide you with a customized and efficient experience. We do not process thisinformation in a way that is incompatible with this objective.
YOUR RIGHTS
You have the following rights pertaining to your Personal Data;
To be informed – we must be completely transparent with you in how we are using your Personal Data.
To access – you have the right to know precisely what information is held about you and how it isProcessed.
To rectify – you are entitled to have Personal Data rectified if it is inaccurate or incomplete.
To erase – you have the right to having your Personal Data deleted or removed without the need for aspecific reason as to why you wish to discontinue. Also known as the right “to be forgotten”.
To restrict – your right to block or suppress processing of Personal Data.
To use – your right to retain and reuse your Personal Data for your own purpose.
To object – in certain circumstances, you may be entitled to object to your personal data being used.
To Profiling – your right to protect yourself against the risk that a potentially damaging decision is madewithout human intervention via automated Processing of your Personal Data.
To complain – your right to lodge a complaint with a supervisory authority.
OUR RIGHTS
The general use of our Site does not require registration and as such, subject to the restrictions andprovisions of this Privacy Policy, you can visit our website without providing your Personal Data.However, in providing certain Services we may require registration which may involve the Processing ofPersonal Data.
In such circumstances, if you choose not to provide consent or withhold certain Personal Data from us,then in such instance, it may not be possible for you to gain access to certain parts of the Site nor for usto be able to provide the Services or certain aspects of the Services.
OUR OBLIGATIONS
Notwithstanding the obligations provided for in the Terms and Conditions and this Privacy Policy, we arealso obligated by the provisions of the Data Protection Act ensuring that processing of your PersonalData is lawful, fair, transparent, adequate, relevant, accurate, kept for as long as required andproportionate to the purposes for which it is being used.
Subject to a written request by you, we are obligated to provide you with access to your Personal Dataand as such provide you with a copy our records pertaining to your Personal Data. If you require suchaccess then please go to Questions and Requests and Contact information, below.
If you cease to be a subscriber or member or customer of FYNETICS then, subject to not contravening the requirements of the law, we will be obliged to destroy your Personal Data.
Might there be a security breach concerning your Personal Data and such breach is likely to result in ahigh risk to your rights and freedoms, then, in such instance, we will be obliged to inform you as soon as possible without undue delay.
SECURITY
Further to our obligations concerning the processing of your Personal Data under the Data Protection Act(see under OUR OBLIGATIONS and YOUR RIGHTS) we shall ensure that your Personal Data is securelyprocessed.
To protect your Personal Data, we also take reasonable precautions and follow industry best practices tomake sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.
If you provide us with sensitive information, such as login credentials and credit card information, thensuch information is encrypted using secure socket layer technology (SSL) and stored with a AES-256encryption.” Although no method of transmission over the Internet or electronic storage is 100% secure,we use generally acceptable commercially standards to protect your personal
You understand that certain other information (not including Personal data and credit card information),may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changesto conform and adapt to technical requirements of connecting networks or devices. Credit cardinformation is always encrypted during transfer over networks.
As on many web sites, the Site Administrator may also automatically receive general information that iscontained in server log files, such as your IP address, and cookie information.
PAYMENT
If you pay us by credit or debit card we will use a direct payment gateway to complete your purchase,then we will store your credit card data. It is encrypted through the Payment Card Industry DataSecurity Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary tocomplete your purchase transaction. After that is complete, your purchase transaction information isdeleted.
All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI SecurityStandards Council, which is a joint effort of the Card Associations.
PCI-DSS requirements help ensure the secure handling of credit card information by our Site and itsservice providers
THIRD-PARTY SERVICES
In general, the third-party providers used by us will only collect, use and disclose your information tothe extent necessary to allow them to perform certain services they provide to us.
Certain third-party services, such as payment gateways and other transaction or payment processorsare required to abide by security standards imposed on them, such as the Payment Card Industry DataSecurity Standard (PCI-DSS), which is a set of security standards designed to ensure that all paymentprocessors that accept, process, store or transmit credit card information maintain a secureenvironment. All direct payment gateways we utilise adhere to PCI-DSS, which is a joint effort of brandslike Visa, MasterCard, American Express and Discover, to safeguard card data handling.
Whilst we shall not store your credit card information, such payment gateways and other transaction orpayment processors, under PCI-DSS, may store your purchase transaction data for only as long as isnecessary to complete the transaction and thereafter for only as long as it is required by law.
Such third-party payment gateways and other transaction or payment processors and other thirdparties, have their own privacy policies in respect to the information we are required to provide to themfor your purchase-related transactions.
For these providers, we recommend that you read their privacy policies so you can understand themanner in which your personal information will be handled by these providers.
In particular, remember that certain providers may be located in or have facilities that are located in adifferent jurisdiction than either you or us. So, if you elect to proceed with a transaction that involves theservices of a third-party service provider, then your information may become subject to the laws of thejurisdiction(s) in which that service provider or its facilities are located.
Once you leave our Site or are redirected to a third-party website or application, you are no longergoverned by this Privacy Policy or the Agreements.
LINKS
When you click on links on our Site, they may direct you away from our Site. We are not responsible forthe privacy practices of other sites and encourage you to read their privacy statements.
COOKIES
Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our Site are visited and by how many people. Our Site may uses session cookies which track your browser
session. These do not store any information on your computer but merely allow our Site to recogniseyour order and its contents and whether you are logged in to your account.
FYNETICS (www.fynetics.com) cookies do not collect Personal Data, and we do not combine information collected through cookies with other personal information to tell us who you are or what your screen name or e-mail address is.
By using this Site and/or using any Services provided via it, you agree to the above use of cookies.
DISCLOSURE
We may disclose your Personal Data if we are required by law to do so or if you violate our Agreements.
We reserve the right to release and disclose any Personal Data provided by you to law enforcement or other governmental officials as may be required by law or in our sole and absolute discretion (as may be permitted by law), deem necessary to comply with any applicable law or at the request any governmental entity or agency.
CHANGES TO THIS PRIVACY POLICY
Changes may be made to this policy from time to time. You will be notified of substantial changes to thispolicy either by through the posting of a prominent announcement on the Site, and/or by a mailmessage sent to the e-mail address you have provided, which is stored within your user settings.
We reserve the right to modify this Privacy Policy at any time, so please review it frequently. Changesand clarifications will take effect immediately upon their posting on the Site. If we make materialchanges to this Privacy Policy, we will notify you here that it has been updated, so that you are aware ofwhat information we collect, how we use it, and under what circumstances, if any, we use and/ordisclose it.
If our Company is acquired or merged with another company, your information may be transferred tothe new owners so that we may continue to sell products or services to you.
LEGISLATION CONCERNING PRIVACY POLICY
This Privacy Policy has been drafted to comply with the Mauritian Data Protection Act 2017, Card Association Rules and certain extra territorial legislation pertaining to other jurisdictions such as that contained in the EU”s General Data Protection Regulation 2016/679 (GDPR), as appropriate.
QUESTIONS AND REQUESTS AND CONTACT INFORMATION
If you would like to: access, correct, amend or delete any Personal Data we record on you, register a complaint, or simply want questions answered or more information then please contact us by addressing an email to contact@fynetics.com.