Privacy policy

Equals Money Europe SA respects the privacy of both internet users and any other individuals concerned, in accordance with current legislation, particularly the Law of 30 July 2018, related to the protection of privacy and its implementing decrees. These privacy protection rules define the personal data we collect and establish how it is processed. They also aim to inform you about the entities with whom we share this data, as well as the rights and freedoms you may exercise concerning our use of this data. These rules also describe the measures we implement to protect the security of the data and inform you about how you can contact us to obtain information about our privacy protection practices.

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What data do we collect?

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‍In the context of processing credit card transactions, we collect information about you. Similarly, you may decide to communicate personal data to us in the context of a direct relationship we establish with you.
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As a company processing credit card transactions and providing payment institution services, we collect information about you from financial institutions and other entities involved in processing our transactions. We may also collect information about you from companies that benefit from Equals Money Europe SA products or services, from public information systems, and commercial information services. Furthermore, you can directly communicate data to us. For example, you may provide data on our websites to benefit from an Equals Money Europe SA product or service, when you participate in an offer or promotion, or in the context of a business or employment relationship with our company (whether actual or potential).

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‍Personal data collected includes:
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• Personal contact details (e.g., name, postal address, email address, and phone or fax number).
• Professional contact details (e.g., job title, department, and company name).
• Username and password.
• Bank card information (stored in a PCI DSS environment).
• Financial information (e.g., financial account information and consumer credit report information).
• Identification number or access code.
• Content provided by you.
• Other information (purchase behaviour and preferences, language preferences, age, date of birth, gender, and family status).

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Some data is collected automatically, for example through cookies when you visit our websites. Among the data collected this way are the IP address, browser type, operating system, referral URLs, information about actions performed on a website, and the dates and times of visits. A "cookie" is a text file saved on a computer's hard drive by a web server.

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Cookies‍
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‍‍The Equals Money Europe SA website uses "cookies." These are small text files created by a program on the website server of Equals Money Europe SA and, under certain circumstances, are saved on your PC's hard drive. These "cookies" are technically necessary to ensure good communication between your PC and the Equals Money Europe SA website. They notably save the language you choose during your first site visit, so you will automatically be served in your chosen language the next time. If you do not want these cookies to be saved on your hard drive, you can configure your internet browser to deny access to the hard drive. In this case, Equals Money Europe SA cannot guarantee the correct functioning of the websites under its control. If desired, you can delete these "cookies" from your hard drive after each visit to the website.‍

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How do we use the data we collect?

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‍We may use your personal data to:
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• Offer protection against the risk of fraud and unauthorized transactions, avoid disputes or liabilities, and manage exposure to risk.
• Process your credit card transactions (including for operations like authorization, clearing, settlement, chargebacks, and other dispute resolution activities).
• Create and manage your online account and respond to your requests.
• Provide you with products, services, and promotions, and inform you about them (e.g., contests, sweepstakes, programs, and other offers).
• Operate, evaluate, and improve our business activities (including developing new products and services, managing our communications, determining the effectiveness of our advertising, analysing our products, services, and websites, increasing the functionality of our websites, and conducting accounting, auditing, billing, account reconciliation, and collection activities).
• Improve our interactive resources and monitor their use.
• Implement our Terms of Use.
• Comply with applicable law, industry standards, and our policies.

We may also use the collected data for other purposes; in such cases, we commit to specifically inform you at the time of collection.

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Fraud prevention and money laundering checks

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What data do we share?

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‍‍We do not sell or disclose your personal data collected by us, except as mentioned in these rules.

The personal data we have collected from you at application, or any stage may be shared with fraud prevention agencies. We are required by law to review transactions and report any which may be suspected of being related to money laundering activities.

We share the personal data we collect for the purpose of executing credit card transactions and other operations you request. We may share the personal data we collect with our group companies, financial institutions that issue credit cards or process credit card transactions, organisations active in preventing credit card fraud, and merchants. For example, we provide financial institutions with information about transactions carried out by their cardholders and processed by Equals Money Europe SA. Moreover, we may share personal data with third parties if we have the consent of the concerned individuals.

We may also share this data with providers who deliver services on our behalf. However, we do not allow these providers to exploit or disclose this data in a context other than performing certain services on our behalf or complying with the law. We contractually require these providers to implement adequate measures to protect the confidentiality and security of the personal data they process on our behalf.

We may also disclose your personal data (i) if we have a legal or judicial obligation; (ii) to law enforcement authorities or other state agencies; or (iii) when we consider such disclosure necessary to prevent physical harm or financial loss, or in the context of an investigation into suspected or actual fraudulent or illegal activity.

We also reserve the right to transfer the personal data concerning you if we sell all or part of our business activities. In the event of such sale or transfer, we commit to making every effort to encourage the recipient of the personal data you have communicated to us to comply with our international privacy protection rules. Following such sale or transfer, you may contact the recipient to whom we have transferred your personal data to obtain information about the processing of your data.

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Your rights and freedoms

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You can refuse the assignment of a unique cookie identifier to your computer to prevent the collection and analysis of data when you visit our websites. If you wish to exercise this right of opposition, most browsers allow you to block cookies, receive a notification when you receive a new cookie, and delete existing cookies. However, please note that you may not enjoy all the benefits of our website's functionalities if you block cookies.

You can at any time object to our sending of promotional communications by email by clicking on the unsubscribe link placed in the messages you receive from us or by contacting us as indicated below. You can also object to the sending of promotional communications by mail from Equals Money Europe SA by following the opposition instructions attached to promotions.

You can revoke a consent you have previously granted or exercise a right of opposition to the processing of your personal data. The choices you make only take effect in the future. In some cases, by revoking the consent given to Equals Money Europe SA concerning the use or disclosure of your personal data, you may no longer benefit from certain Equals Money Europe SA products or services.

You can exercise a right of opposition to the sharing of your personal data with third parties, (i) except with regard to providers delivering services on our behalf; (ii) except if we sell all or part of our business; (iii) except if we have a legal or judicial obligation to disclose these data; (iv) except to law enforcement authorities or other state agencies; or (v) except if we consider such disclosure necessary to prevent physical harm or financial loss, or in the context of an investigation into suspected or actual fraudulent or illegal activity.

Subject to applicable law, you may have a right of access, a right to information, a right of rectification, and a right of opposition concerning personal data about you. The right of access to personal data may be restricted in certain cases, according to applicable law.

To inform us of your preferences, ask us to remove your data from our mailing lists, or submit a request, please contact us as indicated below.

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How do we protect personal data?

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We implement appropriate administrative, technical, and physical measures aimed at protecting the personal data you entrust to us against accidental, illegal, or unauthorised destruction, loss, alteration, access, disclosure, or use. Many of the websites from which we export personal data are protected by SSL encryption.

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How to contact us

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Anyone whose data is processed can exercise their rights of access, rectification, or, if justified, deletion. To do so, they send a letter with a copy of their identity card to the following address:

Equals Money Europe SA, Floor 4, 54 Avenue Louise, 1050 Brussels, Belgium
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e-mail: privacy@equalsmoney.com