Privacy Policy - MoRa Finserve

This privacy policy sets out how MoRa Finserve uses and protects any
information that you give when you use this app.

MoRa Finserve is committed to ensuring that your privacy is protected.
Should we ask you to provide certain information by which you can be
identified when using this app, then you can be assured that it will
only be used in accordance with this privacy statement.

MoRa Finserve may change this policy from time to time by updating this
page. You should check this page from time to time to ensure that you
are happy with any changes. This policy is effective from May. 25, 2018

What we collect

We may collect the following information:

name and job title
contact information including email address
demographic information such as postcode, preferences and interests
other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you
with a better service, and in particular for the following reasons:

Internal record keeping.
We may use the information to improve our products and services.
We may periodically send promotional emails about new products,
special offers or other information which we think you may find
interesting using the email address which you have provided.
From time to time, we may also use your information to contact you
for market research purposes. We may contact you by email, phone,
fax or mail. We may use the information to customise the App
according to your interests.

Security

We are committed to ensuring that your information is secure. In order
to prevent unauthorised access or disclosure, we have put in place
suitable physical, electronic and managerial procedures to safeguard and
secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your
computer’s hard drive. Once you agree, the file is added and the cookie
helps analyse web traffic or lets you know when you visit a particular
site. Cookies allow web applications to respond to you as an individual.
The web application can tailor its operations to your needs, likes and
dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This
helps us analyse data about web page traffic and improve our App in
order to tailor it to customer needs. We only use this information for
statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better App, by enabling us
to monitor which pages you find useful and which you do not. A cookie in
no way gives us access to your computer or any information about you,
other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers
automatically accept cookies, but you can usually modify your browser
setting to decline cookies if you prefer. This may prevent you from
taking full advantage of the App.

Links to other Apps

Our App may contain links to other Apps of interest. However, once you
have used these links to leave our site, you should note that we do not
have any control over that other App. Therefore, we cannot be
responsible for the protection and privacy of any information which you
provide whilst visiting such sites and such sites are not governed by
this privacy statement. You should exercise caution and look at the
privacy statement applicable to the App in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal
information in the following ways:

Whenever you are asked to fill in a form on the App, look for the
box that you can click to indicate that you do not want the
information to be used by anybody for direct marketing purposes
If you have previously agreed to us using your personal information
for direct marketing purposes, you may change your mind at any time
by writing to us.

We will not sell, distribute or lease your personal information to third
parties unless we have your permission or are required by law to do so.
We may use your personal information to send you promotional information
about third parties which we think you may find interesting if you tell
us that you wish this to happen.

You may request details of personal information which we hold about you
under the Data Protection Act 1998.

If you believe that any information we are holding on you is incorrect
or incomplete, please write to or email us as soon as possible, at the
above address. We will promptly correct any information found to be
incorrect.

Addendum to MoRa Finserve Privacy Policy

MoRa Finserve (‘us’, ‘we’, or ‘our’) operates the MoRa Finserve app (the
‘Service’).

This page informs you of our policies regarding the collection, use, and
disclosure of personal data when you use our Service and the choices you
have associated with that data.

We use your data to provide and improve the Service. By using the
Service, you agree to the collection and use of information in
accordance with this policy. Unless otherwise defined in this Privacy
Policy, terms used in this Privacy Policy have the same meanings as in
our Terms and Conditions, accessible from MoRa Finserve

Definitions

Service

Service is the MoRa Finserve app operated by MoRa Finserve

Personal Data

Personal Data means data about a living individual who can be identified
from those data (or from those and other information either in our
possession or likely to come into our possession).

Usage Data

Usage Data is data collected automatically either generated by the use
of the Service or from the Service infrastructure itself (for example,
the duration of a page visit).

Cookies

Cookies are small pieces of data stored on your device (computer or
mobile device).

Data Controller

Data Controller means the natural or legal person who (either alone or
jointly or in common with other persons) determines the purposes for
which and the manner in which any personal information are, or are to
be, processed.

For the purpose of this Privacy Policy, we are a Data Controller of your
Personal Data.

Data Processors (or Service Providers)

Data Processor (or Service Provider) means any natural or legal person
who processes the data on behalf of the Data Controller.

We may use the services of various Service Providers in order to process
your data more effectively.

Data Subject (or User)

Data Subject is any living individual who is using our Service and is
the subject of Personal Data.

Information Collection And Use

We collect several different types of information for various purposes
to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain
personally identifiable information that can be used to contact or
identify you (‘Personal Data’). Personally identifiable information may
include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing
or promotional materials and other information that may be of interest
to you. You may opt out of receiving any, or all, of these
communications from us by following the unsubscribe link or instructions
provided in any email we send.
Usage Data

We may also collect information how the Service is accessed and used
(‘Usage Data’). This Usage Data may include information such as your
computer’s Internet Protocol address (e.g. IP address), browser type,
browser version, the pages of our Service that you visit, the time and
date of your visit, the time spent on those pages, unique device
identifiers and other diagnostic data.
Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity
on our Service and hold certain information.

Cookies are files with small amount of data which may include an
anonymous unique identifier. Cookies are sent to your browser from a app
and stored on your device. Tracking technologies also used are beacons,
tags, and scripts to collect and track information and to improve and
analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when
a cookie is being sent. However, if you do not accept cookies, you may
not be able to use some portions of our Service.
Examples of Cookies we use:

Session Cookies. We use Session Cookies to operate our Service.

Preference Cookies. We use Preference Cookies to remember your
preferences and various settings.

Security Cookies. We use Security Cookies for security purposes.

Advertising Cookies. Advertising Cookies are used to serve you with
advertisements that may be relevant to you and your interests.

Use of Data

MoRa Finserve uses the collected data for various purposes:

To provide and maintain our Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service
when you choose to do so
To provide customer support
To gather analysis or valuable information so that we can improve
our Service
To monitor the usage of our Service
To detect, prevent and address technical issues
To provide you with news, special offers and general information
about other goods, services and events which we offer that are
similar to those that you have already purchased or enquired about
unless you have opted not to receive such information

Legal Basis for Processing Personal Data Under General Data Protection
Regulation (GDPR)

If you are from the European Economic Area (EEA), MoRa Finserve legal
basis for collecting and using the personal information described in
this Privacy Policy depends on the Personal Data we collect and the
specific context in which we collect it.

MoRa Finserve may process your Personal Data because:

We need to perform a contract with you
You have given us permission to do so
The processing is in our legitimate interests and it’s not
overridden by your rights
For payment processing purposes
To comply with the law

Retention of Data

MoRa Finserve will retain your Personal Data only for as long as is
necessary for the purposes set out in this Privacy Policy. We will
retain and use your Personal Data to the extent necessary to comply with
our legal obligations (for example, if we are required to retain your
data to comply with applicable laws), resolve disputes, and enforce our
legal agreements and policies.

MoRa Finserve will also retain Usage Data for internal analysis
purposes. Usage Data is generally retained for a shorter period of time,
except when this data is used to strengthen the security or to improve
the functionality of our Service, or we are legally obligated to retain
this data for longer time periods.

Transfer Of Data

Your information, including Personal Data, may be transferred to — and
maintained on — computers located outside of your state, province,
country or other governmental jurisdiction where the data protection
laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide
information to us, please note that we transfer the data, including
Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such
information represents your agreement to that transfer.

MoRa Finserve will take all steps reasonably necessary to ensure that
your data is treated securely and in accordance with this Privacy Policy
and no transfer of your Personal Data will take place to an organization
or a country unless there are adequate controls in place including the
security of your data and other personal information.

Disclosure Of Data

Business Transaction

If MoRa Finserve is involved in a merger, acquisition or asset sale,
your Personal Data may be transferred. We will provide notice before
your Personal Data is transferred and becomes subject to a different
Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, MoRa Finserve may be required to disclose
your Personal Data if required to do so by law or in response to valid
requests by public authorities (e.g. a court or a government agency).

Legal Requirements

MoRa Finserve may disclose your Personal Data in the good faith belief
that such action is necessary to:

To comply with a legal obligation
To protect and defend the rights or property of MoRa Finserve
To prevent or investigate possible wrongdoing in connection with the
Service
To protect the personal safety of users of the Service or the public
To protect against legal liability

Security Of Data

The security of your data is important to us, but remember that no
method of transmission over the Internet, or method of electronic
storage is 100% secure. While we strive to use commercially acceptable
means to protect your Personal Data, we cannot guarantee its absolute
security.

‘Do Not Track’ Signals

We do not support Do Not Track (‘DNT’). Do Not Track is a preference you
can set in your web browser to inform apps that you do not want to be
tracked.

You can enable or disable Do Not Track by visiting the Preferences or
Settings page of your web browser.

Your Data Protection Rights Under General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have
certain data protection rights. MoRa Finserve aims to take reasonable
steps to allow you to correct, amend, delete, or limit the use of your
Personal Data.

If you wish to be informed what Personal Data we hold about you and if
you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

The right to access, update or to delete the information we have on
you. Whenever made possible, you can access, update or request
deletion of your Personal Data directly within your account settings
section. If you are unable to perform these actions yourself, please
contact us to assist you.

The right of rectification. You have the right to have your
information rectified if that information is inaccurate or incomplete.

The right to object. You have the right to object to our processing
of your Personal Data.

The right of restriction. You have the right to request that we
restrict the processing of your personal information.

The right to data portability. You have the right to be provided
with a copy of the information we have on you in a structured,
machine-readable and commonly used format.

The right to withdraw consent. You also have the right to withdraw
your consent at any time where MoRa Finserve relied on your consent
to process your personal information.

Please note that we may ask you to verify your identity before
responding to such requests.

You have the right to complain to a Data Protection Authority about our
collection and use of your Personal Data. For more information, please
contact your local data protection authority in the European Economic
Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our
Service (‘Service Providers’), to provide the Service on our behalf, to
perform Service-related services or to assist us in analyzing how our
Service is used.

These third parties have access to your Personal Data only to perform
these tasks on our behalf and are obligated not to disclose or use it
for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use
of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that
tracks and reports app traffic. Google uses the data collected to track
and monitor the use of our Service. This data is shared with other
Google services. Google may use the collected data to contextualize and
personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to
Google Analytics by installing the Google Analytics opt-out browser
add-on. The add-on prevents the Google Analytics JavaScript (ga.js,
analytics.js, and dc.js) from sharing information with Google Analytics
about visits activity.

For more information on the privacy practices of Google, please visit
the Google Privacy & Terms web
page: http://www.google.com/intl/en/policies/privacy/

Advertising

We may use third-party Service Providers to show advertisements to you
to help support and maintain our Service.

Google AdMob & DoubleClick Cookie

Google, as a third party vendor, uses cookies to serve ads on our
Service. Google’s use of the DoubleClick cookie enables it and its
partners to serve ads to our users based on their visit to our Service
or other apps on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based
advertising by visiting the Google Ads Settings web
page: http://www.google.com/ads/preferences/

Payments

We may provide paid products and/or services within the Service. In that
case, we use third-party services for payment processing (e.g. payment
processors).

We will not store or collect your payment card details. That information
is provided directly to our third-party payment processors whose use of
your personal information is governed by their Privacy Policy. These
payment processors adhere to the standards set by PCI-DSS as managed by
the PCI Security Standards Council, which is a joint effort of brands
like Visa, Mastercard, American Express and Discover. PCI-DSS
requirements help ensure the secure handling of payment information.

The payment processors we work with are:

Apple Store In-App Payments

Their Privacy Policy can be viewed
at https://www.apple.com/legal/privacy/en-ww/

Google Play In-App Payments

Their Privacy Policy can be viewed
at https://www.google.com/policies/privacy/

PayPal or Braintree

Their Privacy Policy can be viewed
at https://www.paypal.com/webapps/mpp/ua/privacy-full
Links To Other Sites

Our Service may contain links to other sites or app that are not
operated by us. If you click on a third party link, you will be directed
to that third party’s site. We strongly advise you to review the Privacy
Policy of every site you visit.

We have no control over and assume no responsibility for the content,
privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (‘Children’).

We do not knowingly collect personally identifiable information from
anyone under the age of 18. If you are a parent or guardian and you are
aware that your Children has provided us with Personal Data, please
contact us. If we become aware that we have collected Personal Data from
children without verification of parental consent, we take steps to
remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you
of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service,
prior to the change becoming effective and update the ‘effective date’
at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any
changes. Changes to this Privacy Policy are effective when they are
posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us
by email. @ morafinserve@gmail.com