Effective June 30, 2016
Collection of Information
Generally speaking, we collect or receive the following types of information when you use the Services:
- Information You Provide Directly. You may provide information directly to us in several different ways, including when you create an account. For example, information you provide directly to us may include:
- Mailing address;
- Email address;
- Telephone number;
- National or government identifiers (g., social security number, driver’s license number, passport number);
- Date of birth/age;
- User ID;
- Password reminder questions and answers; and
- Information We Collect Automatically. We collect some information about you and your computer or mobile device automatically when you use the Services. This information may include:
- The type of web browser and operating system you have used to access the Services;
- Your IP address (which is a number automatically assigned to your computer when you access the Internet and can be used to derive your general geographic location);
- Your device information (which may include information about the mobile device you use to access our website, including the hardware model, operating system and version, unique device identifiers, and mobile network information);
- The website you visited before you came to the Services; and
- Information about the features you access on the Services that we collect using cookies, Web beacons, and similar technologies.
- Location Information. When you use the Services, we may collect information about your location separately from your address or other information that you provide to us explicitly. For instance, we may use the GPS feature of your mobile device or your IP address to help determine your geographic location. (You may disable the collection of geolocation data on your device, but may not be able to use some of our services if you do so.)
- Social Networking Information. If you log in to BanQu through a social networking account (g., Facebook, Twitter, or Google), we may collect information about you from that social networking account, including your name, email address, birthday, gender, profile photo, and other information associated with your social networking account.
- Transaction History. When you use the Services to complete a transaction, we keep a record of the details of that transaction.
- Information from Commercially Available Sources. We may receive additional information about you—such as the websites you have visited—from sources such as data brokers, data cooperatives, and public databases.
Use of Information
We use the information we collect and receive for the following general purposes:
- To perform analytics to continually improve the Services, enhance your experience with the Services, and understand how you use the Services;
- To better understand your interests in order to provide you (and enable our partners to provide you) with surveys, questionnaires, and other materials;
- To manage your account and transactions;
- To respond to your requests, questions, and comments;
- For any other purpose disclosed to you at the time we collect your information, or pursuant to your consent.
Sharing of Information
We may share your information with the following entities:
- Affiliates and Partners. We may share your information with our affiliates—companies that control, are controlled by, or are under common control with, BanQu. We also will permit select financial services, merchant, and aid organization partners to access your information.
- Service Providers. We also may share your information with entities that provide services to us, including companies that provide payment processing, shipping, web analytics, data processing, email distribution, and other services.
- Other Parties When Required by Law or as Necessary to Protect Our Services. There may be instances when we disclose your information to other parties in order to:
- Protect the legal rights of BanQu, its affiliates, and of the users of the Services;
- Protect the safety and security of users of the Services;
- Prevent fraud (or for risk management purposes); or
- Comply with or respond to the law or legal process or a request for cooperation by a government entity, whether or not legally required.
- Other Parties in Aggregated Form. We may also share your information with third parties in aggregated or non-personally identifiable form.
- Other Parties in Connection With a Transfer of Assets. If we make a sale or transfer of assets, or are otherwise involved in a merger or transfer, or in the unlikely event of bankruptcy, we may transfer your information to one or more third parties as part of that transaction.
- Global family members;
- Aid organizations;
- Non-Governmental Organizations (NGOs);
- Government organizations; and
- Global financial entities.
Storage and Protection of Information
Each user has a unique encrypted and hashed data block in the blockchain that is stored indefinitely. BanQu cannot make any changes or modifications to data stored in the blockchain. BanQu also maintains a permanent, time-stamped, and geo-tagged record of every user identity and related transaction. We use physical, technical, and administrative measures to safeguard information in our possession against loss, theft and unauthorized use, disclosure, or modification. Please note, however, that no data transmission or storage can be guaranteed to be 100% secure. As a result, while we strive to protect the information we maintain, we cannot ensure or warrant the security of any information that you transmit to us.
The Services are intended for a general audience and are not directed at children younger than 13. We do not knowingly collect or store personal information about children under the age of 13 without parental consent, unless permitted by law. Children under the age of 13 are not permitted to create their own BanQu account. Parents of children under the age of 13 or other adults can create an account on the child’s behalf.
Changing or Deleting Your Information
If you have submitted personally identifiable information (such as your name, address, email address, or social security number) through our Services and would like to change or delete that information, please log into your BanQu account.
Your California Privacy Rights
BanQu does not share your personal information with third parties for those third parties’ direct marketing purposes.
Do Not Track Signal
Some web browsers may transmit “do-not-track” signals to the websites with which the user communicates. We do not currently take action in response to those signals. If an industry standard on responding to such signals is established and accepted, we may reassess how to respond to those signals.
Cookies, Web Beacons, and Similar Technologies
BanQu—as well as certain third parties that provide functionality on the Services—uses a variety of technologies to learn more about how people use the Services and the Internet. This section provides more information about some of those technologies and how they work.
- Other local storage. We, along with third-party partners, use other kinds of local storage, such as Local Shared Objects (also referred to as “Flash cookies”) and HTML5 local storage, in connection with the Services. These technologies are similar to the cookies discussed above in that they are stored on your computer and can be used to store certain information about your activities and preferences. These objects are stored in different parts of your computer from ordinary browser cookies, however. Many Internet browsers allow you to disable HTML5 local storage or delete information contained in HTML5 local storage using browser controls.
- Web beacons. We, along with our third-party partners, may also use technologies called Web beacons that communicate information from your Internet browser to a web server. Web beacons can be embedded in web pages, videos, or emails, and can allow a web server to read certain types of information from your browser, check whether you have viewed a particular web page or email message, and determine, among other things, the time and date on which you viewed the Web beacon, the IP address of your computer, and the URL of the web page from which the Web beacon was viewed. We and our partners use Web beacons for a variety of purposes, including analyzing the use of the Services.
Questions and Contact Information