The purpose of this Privacy Policy statement is to explain how Incore Finance OÜ (hereinafter IncoreX, «we») which is located at (hereinafter «the Site») collects, stores, uses, and processes the Personal information of its registered users/customers (hereinafter «User», «you»). This Privacy Policy applies to all of our services, features, and functions.

IncoreX doesn’t share Personal information with third parties except as stated in this Privacy Policy. The Personal Information that we collect is used for adjusting and improving our service.

In accordance with the updated Personal information protection regulations, established according to the Personal Data Protection Act of Estonia and the new General Data Protection Regulation (GDPR) (EU), which entered into force on May 25, 2018, Incore Finance OU registered at Harju maakond, Tallinn, Kesklinna linnaosa, Roosikrantsi tn 2-K389, 10119, Estonia, is your Data Controller. With any questions related to this Privacy Policy please contact us by postal mail to Harju maakond, Tallinn, Kesklinna linnaosa, Roosikrantsi tn 2-K389, 10119.

Our Privacy Policy is aligned with Personal Data Protection Act (Estonia) and the new EU General Data Protection Regulation (GDPR), which came into force on 25 May 2018. If the Privacy regulation laws changes, this Privacy Policy may be modified accordingly.

By choosing to use our Site you agree with the following statements:

1. Types of information we collect:

We collect different types of information about our Users to use it to optimize the work of our Site. This is a routine process that does not involve any unusual actions from you. We divide all the collected information into three types:

• Information you provide:

Basically, this is the data that you provide to us by filling in the fields and forms on our Site. Also, we collect information that we receive from your e-mails, complaints, information you give by contacting with our technical support service and other services. This information usually includes your first and last name, date of birth, gender, place of residence, education and occupation, contact details, payment methods, photos and videos, and other data. This information is used to uniquely identify you.

• Information we collect from you ourselves:

By visiting our Site or using our mobile application you also automatically share Personal information with us. This is a built-in function of the most Web-services. In this manner, such information like your IP-address, Internet browse version, operating system, time zone settings, real-time locations, response time, is being collected. This information is used to determine your behavior on our Site and to optimize our services.

• Information we collect from other sources:

We can get your Personal information if you have provided it to our business partners. Also, if you interact with third-party services, those services may send us information about you. Please note, that we may not control or have access to your communications through these third parties.

It is important for you to know, that we aggregate Personal information we collect, to produce metrics and statistical information. We may share this aggregated anonymized data with third parties, for examples, with our advertising partners. We do this to understand how Users use our Site and its services, features, and functions. Such measures help us improve and develop our services. The above-mentioned third parties may also share with us aggregated information about you that they have independently acquired. We treat aggregated information as Personal information.

2. Ways of collecting information:

The Personal Information can be collected in many ways. The choice of a certain way is determined by its practicability.

• Direct collection:

Direct Personal information serves to uniquely identify a person. We collect the information listed above when you provide it to us by filling in and submitting the forms in our Site. We can not get the information that you do not want to give us in this way. If you do not want to share your Personal information directly, you can always choose not to use our Site with its services, features, and functions.

• Indirect collection and cookies:

This is the information collected as you visit our Site and use its services and features. When you choose to visit it, we as well as our service providers use technologies that automatically (or indirectly) collect certain information whenever you interact with our Site or/and its services. This information can be associated both with the User and User’s personal computer and is treated as Personal information. In order to implement this collection, we use cookies, which is a small piece of text data sent from our Site and stored on your computer while you keep browsing. It helps us to remember the stateful information about you in order to adjust and improve your interaction. Your browser will ask you to allow us to use cookies.

3. Use of collected information:

We collect and store your Personal information to manage your accounts and to provide better services. We may use your information also for the following purposes:

4. User rights:

5. Disclosure (sharing) of information:

Under the GDPR, we have the legal grounds for sharing of Personal information if the User has given consent to processing for one or more specific purposes by accepting the Terms and Conditions of using our Site or if other legal grounds apply. For examples, we may share your Personal information with:

In addition to the above, there may be other reasons for sharing your Personal information. If you have any questions, you can refer to the GDPR statements directly or contact us by e-mail at [email protected].

6. Ensuring the safety of information:

To help protect the privacy of the Personal Information you provide by using of our Site and its services and features, we use commercially reasonable safety and security solutions that are technically acceptable for us to protect the user data we collect against unauthorized access. It includes, without limitation, all kinds of the administrative, physical, and technical safeguards. We use reasonable efforts to limit access to your Personal information to our agents and employees, who need this information to perform their job responsibilities, except as specified in this Privacy Policy.

However, we must clarify, that our Site with its services, features, and functions, like all the others similar platforms, is run on software, hardware and networks produced and provided by other companies and third parties and any component of which may require maintenance or experience problems or breaches of security. These situations remain beyond our control. Thus, we can not guarantee in any way the complete security of the information on and sent from our Site, and we are not responsible for the acts of third parties who may receive the information.

Please be aware and keep it mind, that despite our best intentions and all actions taken, no data transmission over the Internet can be guaranteed to be 100% secure.

7. Control over Personal information:

In order to get the full access to all the services, features and functions of our Site, you must provide us with your Personal information. The types of this information and how it is provided are predetermined and usually can not be changed. However, you always have access to your Personal information by logging into your account and can change it if necessary. You can also delete your account when you need to. Deleting your account from our Site means that we delete your Personal information that we received by direct collection. However, other information that we received from cookies or other tracking technologies or that is store in our databases or by the third parties sometimes cannot be removed immediately or completely. If you have any further questions about how you can control the information that was provided to us, contact us by e-mail at [email protected].

8. Informing about Personal information breach:

According to the mandatory Personal information breach notification regime introduced by the GDPR IncoreX must notify Data Protection Authorities about the Personal information breach without undue delay, and within 72 hours. Our Users will be notified within the same period as well. This procedure will be performed in all cases of Personal information breach, which are determined by GDPR:

Please note, that relevant risks of the Personal information breach according to the GDPR instructions can include loss of control over or confidentiality of personal data, unauthorized reversal of pseudonymization, damage to reputation, discrimination, identity theft or fraud, financial loss, and other economic or social disadvantages.

9. Changes to this Privacy Policy:

This Privacy Policy can be changed according to Privacy laws and regulations. In order to track minor changes, visit this page from time to time. If the changes are significant, we may email all our registered Users with the new conditions and details. If required by law, we will get your permission or give you the opportunity to opt out of any new uses of your Personal information.

10. Contact us:

If you have any questions regarding this Privacy Policy or IncoreX itself, feel free to contact us by email at [email protected].

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