Global Fintech Forum (GFF)

Effective: 10/15/2019 version 2.0

At Global Fintech Forum, we are devoted to maintaining trust through protecting our customers and their Clients right to privacy through several security precautions and the disclosure of our business practices.

This privacy policy applies to https://www.GlobalFintechForum.com owned and operated by Global Fintech Forum. This privacy policy describes how Global Fintech Forum collects and uses the personal information provided on our web site: http://www.GlobalFintechForum.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

In this policy, you will learn:

1. What personal information Global Fintech Forum collects;
2. How Global Fintech Forum uses the information;
3. With whom Global Fintech Forum may share user information;
4. What types of security procedures are in place to protect the loss, misuse or alteration of information under Global Fintech Forum control;
5. How users can correct any inaccuracies in the information;
6. What choices are available to users regarding collection, use and distribution of the information;
7. What other information may be collected.

This privacy policy covers only information that is collected through this Website, https://www.GlobalFintechForum.com and does not cover information that may be collected through software downloaded from the site. This privacy statement covers the site https://www.GlobalFintechForum.com.

What personal information is collected?

To sign up for our affiliate program, a financial institution is required to give contact information (such as name, address, phone number, and email address), personal and sensitive information of officers (such as date of birth, Social Security number, Driver's License number and criminal history) as well as financial information (such as bank account information and tax ID). The contact information is used to contact the affiliate when orders are placed, or questions arise. The personal and sensitive information of the affiliate's officers is used for compliance of federal regulations and "know your customer." The financial information is used for billing/credit purposes for the affiliate's orders. If we have trouble processing an affiliate sign-up, the information is used to contact the potential affiliate. We then may finish the sign-up process through email or offline means.

We also collect a variety of personal information to facilitate international payments. We collect such personal information as name, address, phone number, and other personal information both of the sender and receiver of the transaction. In certain cases, we collect social security number, driver's license number, invoice and passport information to compile with U.S. federal regulations and International requirements by global authorities.

The Personal Information that we may collect about you broadly falls into the following categories:

1. Personal Information directly submitted to us. Global Fintech Forum may provide you or your customers with the opportunity to do such things as subscribe to email alerts regarding Global Fintech Forum events or company news, to request company information, or to request product or service information through an email contact form. Such information may include your name, your company's name, your personal or company email address or other contact information. It is up to you whether to provide this information. Such information will be used and disclosed as reasonably necessary to meet your needs and respond to your requests, such as disclosing it to our email service provider to send you emails or to one of our affiliated entities to provide you with requested product information.
2. Information that we collect automatically: When you or your customers visit the Site, we may collect certain information automatically from your device or the browsing software that it uses. In some countries, including countries in the European Economic Area, this information may be considered Personal Information (or "personal data") under applicable data protection laws. Details about this information are provided in section 5 below (Cookies, browser information and tracking technology).
3. Personal Information that we obtain from third party sources: From time to time, we may receive Personal Information about you or your customers from third party sources, but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose Personal Information about you to us.

Disclosure. Global Fintech Forum may disclose Personal Information about you to its group companies, third party service providers and partners who provide data processing services to us (for example, to support the delivery of, provide functionality on, or help to enhance the security of our Site), or who otherwise process Personal Information for purposes that are described in this Privacy Policy or notified to you when we collect Personal Information about you. Parties with whom we may share Personal Information are bound to contracts requiring them to use and disclose Personal Information only for the permitted purposes set forth in the contract and to use reasonable security measures to protect Personal Information from unauthorized access and use.

How Global Fintech Forum uses the information we collect?

Global Fintech Forum may use your information for the following purposes:

• Collecting payment, processing and fulfilling your global transaction and otherwise providing you with the information, products and services you may request from us
• Complying with our legal and regulatory obligations (including fraud prevention, anti-money laundering and sanction screening); this may include checking the information you provide to us against information from other sources
• Enforcing any contract entered between you and Global Fintech Forum
• Contacting you (including by email or phone)
• Providing you with service messages, notifying you about changes to our Services or changes to our terms, conditions and policies
• Improving customer experience and our quality of service
• Data analysis to allow us to derive insight and to help make the Global Fintech Forum personalized and relevant, as well as to develop our business processes, products and services

Also, we may need to share your customer/members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; and whether you can limit this sharing.

DEFINITIONS

Affiliates

• Global Fintech Forum has no affiliates

Nonaffiliates

• Global Fintech Forum does not share with nonaffiliates so they can market to you except for our joint marketing arrangements.

Joint marketing

• Our joint marketing partners include financial services companies.

Legal Disclaimer

In addition to the above, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site. In addition, we may need to disclose your personal information and transaction activity to appropriate law enforcement authorities (with or without notice to you) when unlawful activity is suspected, to protect our property rights, and ensure compliance federal and state regulations.

What about non-personal information?

We may share the aggregated demographic or statistical information that could identify our affiliates or clients. This is not tied to, nor does it include personal information.

Tracking Technologies

Technologies such as: cookies, beacons, tags and scripts are used by Global Fintech Forum, our affiliates, or analytics. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual IP address as well as aggregated basis.

We use cookies for our shopping cart, and to remember users' settings. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Log Files

Like most standard Web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, referring/exit pages, platform type, and date/time stamp. This information is to administer the site, and track client's movement in the aggregate. IP addresses, etc. are not linked to affiliate's contact information.

What communications can I expect from the Site?s

We may share the aggregated demographic or statistical information that could identify our affiliates or clients. This is not tied to, nor does it include personal information.

Service Announcements

On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if our service is temporarily suspended for maintenance, we would need to send our clients/affiliates an email. Generally, clients may not opt-out of these communications. However, these communications are not promotional in nature.

Customer Service

We communicate with our clients on a regular basis to provide requested services. In regard to issues relating to their account, we reply via email or phone in accordance with the client's wishes.

Links

This Web site contains links to other sites. Please be aware that we, Global Fintech Forum, are not responsible for the privacy practices of such other sites, including affiliate's sites that we host. We encourage our clients to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personal information. This privacy statement applies solely to information collected by this Web site.

Security

This Website takes every precaution to protect our clients' information. When our clients submit sensitive information via the Website, their information is protected both online and off-line.

When our registration form asks our clients to enter sensitive information (such as checking account number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Google Chrome and Microsoft Internet Explorer becomes locked, as opposed to un-locked or open, when our clients are just 'surfing'.

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect client information. All of our clients' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personal information. ALL employees are kept up-to-date on our security and privacy practices. Every time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our clients' information is protected. Finally, the servers that store personal information are in a secure environment -- in a locked facility.

Correcting/Updating/Deleting/Deactivating Personal Information

If an affiliates/client's personal information changes (such as zip code, phone, email or postal address), or if you no longer desire our service, we provide a way to correct, update or delete/deactivate clients' personal information. This can usually be done by emailing our Customer Support.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at support@GlobalFintechForum.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our clients are always aware of what information we collect, how we use it, and under what circumstances (if any) we disclose it prior to the change becoming effective.

If, however, we are going to use affiliates/clients' information in a manner different from that stated at the time of collection, we will notify clients by communicating with them pursuant to our contracts with them prior to the change becoming effective.

Contact Information

If affiliates/clients have any questions or suggestions regarding our privacy policy, please contact us at:

Phone: 1-877-33-WIRES
Fax: (888) 277-8598
Email: support@GlobalFintechForum.com
Postal Address::
Global Fintech Forum
12460 Crabapple Rd Suite 202
Alpharetta, GA 30004
Web site URL: http://www.GlobalFintechForum.com/company/contact.asp

California and European Privacy Addendum

For California Residents

In accordance with California law, the following Online Privacy section supplements the Privacy Policy of Global Fintech Forum.

When you visit our website or conduct an online transaction or send an e-mail, we may collect personal information about you. Your personal identifiable information may include name, email address, social security number, account number, account information, transaction information, and credit information. We may share your personal identifiable information with 1) our third-party service providers and payment processor to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement. We do not maintain a separate online process for online viewers or users to review and request changes to the personal identifiable information we have collected. Certain web browsers offer a 'Do Not Track' (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Our website will not honor DNT signals from you and we will not monitor or collect information of your browsing activity.

For European Users

If you are a visitor to our Site from the European Economic Area (EEA), our "legal basis" under EEA law for collecting and using the Personal Information described above will depend on the Personal Information concerned and the specific context in which we collect it.

However, we will normally collect or otherwise process Personal Information from you only (i) where we need to process the information to perform a contract with you, (ii) where the processing is in our legitimate interests and not overridden by your rights, (iii) where we have a legal obligation to process the information, (iv) where we need to process the information to protect your vital interests or those of another person or (v) where we have your consent to do so.

If we ask you to provide Personal Information to comply with a legal requirement or to enter into a contact with you, we will make this clear at the relevant time and advise you whether the provision of Personal Information is mandatory or not (as well as of the possible consequences if you do not provide Personal Information).

If we collect and use Personal Information about you in reliance on our legitimate interests (or those of any third party), this interest will normally be to operate the Site and communicating with our customers as necessary to provide our services and for our legitimate commercial interest, for instance, when responding to your queries, improving the operation or security of the Site, understanding (through analytics) how our Site is used, undertaking marketing, or for the purposes of detecting or preventing fraudulent, abusive or illegal activities. We may have other legitimate interests and if appropriate, we will make clear to you at the relevant time what those legitimate interests are.

If you have questions about or need further information concerning the legal basis on which we collect and use Personal Information about you, please contact us using the contact details provided under the "How to contact us" heading.

European data protection rights.

1. If you wish to access, correct, update or request deletion of Personal Information about you, you can do so at any time by contacting us using the contact details provided under the "How to contact us" heading below.
2. You may object to processing of Personal Information about you based on our legitimate interests, or for direct marketing.
3. You may also ask us to restrict processing of Personal Information about you or request portability of Personal Information about you. You can exercise these rights by contacting us using the contact details provided under the "How to contact us" heading below.
4. You have the right to opt-out of marketing communications we send you at any time. You can exercise this right by clicking on the "unsubscribe" or "opt-out" link in the marketing e-mails we send you. To opt-out of other forms of marketing, please contact us using the contact details provided under the "How to contact us" heading below.
5. You have the right to withdraw any consent we have relied on at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of Personal Information conducted in reliance on lawful processing grounds other than consent.
6. You have the right to complain to a data protection authority about our collection and use of Personal Information about you. For more information, please contact your local data protection authority. Contact details for data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available at http://ec.europa.eu/justice/article-29/structure/data-protection-authorities/index_en.htm.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

International data transfers. Personal Information may be transferred to, and processed in, other countries. These countries may have data protection laws that are different than the laws of your country.

Specifically, our Site servers are located in the United States, and our group companies and third-party service providers and partners operate around the world. This means that when we collect Personal Information, we may process it in any of these countries.

However, we have taken appropriate safeguards to require that Personal Information will remain protected in accordance with this Privacy Policy. These include implementing the European Commission's Standard Contractual Clauses (found at https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en) for transfers of Personal Information between and among our group companies, which require all group companies to protect Personal Information from the EEA in accordance with European Union data protection law. We have implemented similar appropriate safeguards with our third party service providers and partners.