EMERGING FINTECH, INC.

PRIVACY POLICY


PRIVACY POLICY


1. CORPORATE VALUES & BINDING AGREEMENT


1.1. This Privacy Policy constitutes a binding agreement (the "Agreement”) between Emerging Fintech, Inc. (Herein after referred to as “We”, "us” or “Company”) and you (“you”, “your” or “user(s)”), a user of the Platform whether as someone who sells products or services on the Platform (“Vendor”) or as a non-vendor (“Customer”).


1.2. Protecting your private information is our greatest priority. This Agreement applies to and governs data collection and usage of Emerging Fintech.com, its affiliate websites, and associated mobile applications (the “Platform”). The Company’s Platform is an online financial technology eco-system. By using the Company Platform, you consent to the data practices described in this Agreement. The parties and definitions as set forth in the Terms and Conditions apply herein.


2. INFORMATION ON THE COLLECTION AND PROTECTION OF PERSONAL DATA


2.1. Thank you for your interest and for taking the time to visit our Platform. This webpage encompasses the information and policies regarding the handling of your personal data. Personal Data includes all data that can be used to individually identify you. (“Personal Data”)


2.2. The owner of this Platform is Emerging Fintech, Inc., a Delaware Corporation, with its  principal place of business at 9461 Charleville Blvd. #815, Beverly Hills, CA 90212 (Herein after referred to as the “Company”, “We”, “Us”, or “Our”); which can be contacted at Info@eFintechForum.com


2.3. This Platform uses SSL or TLS encryption for security reasons and to protect the transmission of Personal Data and other confidential content (e.g. orders or inquiries to the controller). You can recognize an encrypted connection by the character string https:// and the lock symbol in your browser line. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.


2.4. The Company strives to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Platform cannot be guaranteed.


3. SUPPORT SERVICES


3.1. The Company shall provide the services to the User subject to the terms of this Agreement and the Company’s Terms and Conditions.


3.2. Under this Agreement (“Service”) is defined as the service of rendering Users eSAAS access to: (1) Managed Marketplace Access: We will assist the partner with building a profile and connecting other members. Partner will be assigned an account manager. (2) Logo/URL on Website: Partner logo will be displayed on the Emerging Fintech, Inc. website. Can be requested to be omitted or removed at any time. Subject to approval. (3) Emerging Fintech Forum Membership: EFF Vendor Showcase at the Emerging Fintech Forum. Invitation and priority access to all EFF events and showcases. (4) Investor Introductions: 2 introductions per 90 day period while contract is active. No guarantees of investment as a result of the introductions or liabilities for Emerging Fintech, Inc; which are available via an online login on the Site or the App, pursuant to which the User and Permitted Users may gain access to and use subject to this Agreement.


3.3. Company shall use its commercially reasonable endeavors to make the Service available to the User. Company from time to time may undertake maintenance on the Service and providing that it is practical to do so, inform the User of any planned maintenance of the Service.


3.4. Company will provide the User with the support services set forth in this Agreement. Company and the User may agree to vary the level of support for the Service, and the associated costs for such support, from time to time.


4. CUSTOMER DATA


4.1. The User shall own all right, title and interest in and to all of the User Data and shall have sole responsibility for the legality, reliability, integrity, accuracy and quality of the User Data.


4.2. The Company shall, in providing the Service, comply with its Privacy Policy contained herein relating to the privacy and security of data, which is available at this website or such other website address as may be notified to the User from time to time, as such

document may be amended from time to time by Company in its sole discretion.


4.3. To the extent Company processes any personal data on the User’s behalf when performing its obligations under this Agreement, the parties’ record their intention that the User shall be the data controller and Company shall be a data processor.


5. DATA COLLECTION


5.1. When using our Platform for information only, (if you do not register or otherwise provide us with information,) we only collect data that your browser transmits to our server (so-called "server log files"). When you visit our Platform, we collect the following data that is technically necessary for us to display the Platform to you:


a) Our visited Platform Date and time at the moment of access;


b) Amount of data sent in bytes Source/reference from which you came to the page;


c) Browser used Operating system used IP address used (if applicable: in anonymized form)


d) Data processing is carried out as required by law and on the basis of our legitimate interest in improving the stability and functionality, of our Platform.


The data will not be passed on or used in any other way. However, we reserve the right to check the server log files subsequently, if there are any concrete indications of illegal use.


5.2. In order to better provide User with the best Service and Vendor Products (as defined by the Terms of Service) offered on our Site, Company will record given User information, which includes but is not limited to information such as User’s: (1) First and Last Name, (2) Mailing Address, (3) E-mail Address, (4) Phone Number, (5) Demographics, and (6) Financial Information.


5.3. Aside from the information referenced in section 5.1, the Company does not collect any User information unless it is voluntarily provided to the Company. However, User may be required to provide certain information when electing to use certain products or services available on the Site. These may include:


a) registering for an account on the Company Site;


b) entering sweepstakes or contest sponsored by the Company or one of its partners;


c) signing up for special offers from selected third parties;


d) sending the Company an email message;


e) submitting User credit cards or other payment information when ordering and purchasing products and services on the Company Site.


The Company will use the provided Customer information for, but not limited to, communicating with the User in relation to services and/or products that have requested from the Company. The Company may also gather additional personal or non-personal information

in the future.


6. COOKIES


6.1. In order to make your visit to our Platform attractive and to enable the use of certain functions, we use “cookies” on various pages. These are small text files that are stored on your end device. Some of the cookies we use are deleted after the end of the browser session, i.e. after closing your browser (“session cookies”). Other cookies remain on your terminal and enable us or our partner companies (“third-party cookies”) to recognize your browser on your next visit (“persistent cookies”). If cookies are set, they collect and process specific user information such as browser and location data as well as IP address values according to individual requirements. Persistent cookies are automatically deleted after a specified period, which may vary depending on the cookie.


6.2. In some cases, cookies are used to simplify the ordering process by saving settings (e.g. remembering the content of a virtual shopping basket for a later visit to the Platform). If personal data are also processed by individual cookies set by us, the processing is carried out for (1) the execution of the contract or (2) to safeguard our legitimate interests in the best possible functionality of the Platform and a User-friendly and effective design of the page visit. We work together with advertising partners who help us to make our Platform more interesting for you. For this purpose, cookies from partner companies are also stored

on your hard drive when you visit our Platform (“third-party cookies”). You will be informed individually and separately about the use of such cookies and the scope of the information collected in each case within the following sections.


6.3. Please note that you can set your browser in such a way that you are informed about the setting of cookies and you can decide individually about their acceptance or exclude the acceptance of cookies for certain cases or generally. Each browser differs in the way it manages the cookie settings. This is described in the help menu of each browser, which explains how you can change your cookie settings. You will find these for the respective browsers under the following links:


  • Internet Explorer:
  • https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
  • Firefox:
  • https://www.mozilla.org/en-US/privacy/Platforms/#cookies
  • Chrome:
  • https://support.google.com/accounts/answer/61416?co=GENIE.Platform%3DDesktop&hl=en
  • Safari:
  • https://support.apple.com/en-gb/guide/safari/manage-cookies-and-Platform-data-sfri11471/mac


6.4. Please note that the functionality of our Platform may be limited if cookies are not accepted.


7. DATA PROCESSING

When opening a User Account and for Invoice Processing, personal data will continue to be collected and processed if you provide them to us for the execution of a contract or when opening a User account. Which data is collected can be seen from the respective input forms. It is possible to delete your User account at any time. This can be done by sending a message to the above-mentioned address hi@efintechinc.com. We store and use the data provided by you for contract processing/performance of contract and our legitimate interests. After complete processing of the contract or deletion of your User account, your data will be blocked in consideration of tax and commercial retention periods and deleted after expiry of these periods, unless you have expressly consented to further use of your data or a legally permitted further use of data has been reserved by our site, about which we will inform you accordingly below.


8. USE OF YOUR PERSONAL INFORMATION


8.1. Information about our customers is an important part of our business, and we are not in the business of selling our customers personal information to others. The Company collects and uses Customer information to operate its website(s) and to deliver the quality services requested by the Customer. We share customers' personal information only as described below and with the Company and its affiliates that either are subject to this Privacy Policy or follow practices at least as protective as those described in this Privacy Policy.


8.2. The Company may, from time to time, contact you on behalf of external business partners about particular offerings that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information.


8.3. Transactions involving Third-Parties: We make available to you services, products, applications, or skills provided by third parties for use on or through the Platform. For example, you can order products from third parties, download applications from third-party application, and enable third-party skills. You can tell when a third party is involved in your transactions, and we share customers' personal information related to those transactions with that third party.


8.4. Third-Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders for products or services, delivering packages, sending postal mail and email, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, transmitting content, scoring, assessing and managing credit risk, and providing customer service. These third-party service providers have access to personal information needed to perform their functions, but may not use it for other purposes.


8.5. Business Transfers: As we continue to develop our business, we might sell or buy other businesses or services. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Notice (unless, of course, the customer consents otherwise). Also, in the unlikely event that Emerging Fintech Inc. or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.


8.6. Protection of Emerging Fintech and Others: The Company may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to:


(a) conform to the edicts of the law or comply with legal process served on Company or the site;


(b) enforce or apply our Conditions of Use and other agreements;


(c) protect the rights, property, or safety of Emerging Fintech, our users, or others; and/or (d) act under exigent circumstances to protect the personal safety of users of Company, or the public.


This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Other than as set out above, you will receive notice when personal information about you might be shared with third parties, and you will have an opportunity to choose not to share the information.


9. USE OF YOUR DATA FOR DIRECT ADVERTISING


9.1. If you subscribe to our e-mail newsletter, we will send you regular information about our offers. The only mandatory information for sending the newsletter is your e-mail address. The indication of additional possible data is voluntary and is used to be able to address you personally. We use the so-called double opt-in procedure for sending the newsletter. This means that we will not send you an e-mail newsletter, unless you have expressly confirmed to us that you agree to the sending of the newsletter. We will then send you a confirmation e-mail asking you to confirm that you wish to receive future newsletters by clicking on an appropriate link.


9.2. By activating the confirmation link, you give us your consent to the use of your personal data. When you register for the newsletter, we store your IP address entered by the Internet Service Provider (ISP) as well as the date and time of registration so that we can trace any possible misuse of your e-mail address at a later time. The data collected by us when registering for the newsletter will be used exclusively for the purpose of advertising by means of the newsletter. You can unsubscribe from the newsletter at any time via the link provided in the newsletter or by sending a message to the responsible person named above. After your cancellation, your e-mail address will immediately be deleted from our newsletter distribution list, unless you have expressly consented to further use of your data or we reserve the right to use data in excess thereof, which is permitted by law and about which we inform you in this declaration.


9.3. While you are subscribed, we may further use your e-mail address on the basis of our legitimate interest to send promotional communications, such as providing you with information about products and services, features, surveys, newsletters, offers, promotions, contests, and events; and provide other news or information about us and our partners (you can opt-out of receiving marketing communications from us at any time).


10. THIRD-PARTY ADVERTISERS AND LINKS TO OTHER WEBSITES


10.1. The Company Site may include third-party advertising and links to other websites and apps. Please be aware that the Company is not responsible for the content or privacy practices of such other sites. The Company encourages Customers to be aware when they leave the Site and to read the privacy statements of any other site that collects personally identifiable information.


10.2. Third-party advertising partners may collect information about you when you interact with their content, advertising, and services. For more information about third-party advertising on the Site, including interest-based ads, please read our Interest-Based Ads notice. To adjust your advertising preferences, please email Info@eFintechForum.com


10.3. Use of Third-Party Advertising Services: We provide ad companies with information that allows them to serve you with more useful and relevant ads and to measure their effectiveness. We never share your name or other information that directly identifies you when we do this. Instead, we use an advertising identifier like a cookie, a device identifier, or a code derived from applying irreversible cryptography to other information like an email address. For example, if you have already downloaded one of our apps, we will share your advertising identifier and data about that event so that you will not be served an ad to download the app again. Some ad companies also use this information to serve you relevant ads from other advertisers. You can learn more about how to opt-out of interest-based advertising by going to the Advertising Preferences page.


11. USE OF YOUR DATA TO PROVIDE INFORMATION REQUESTED BY YOU.


11.1. For some products or services, we offer you the possibility to receive related information on a running basis. If you give us your consent thereto, we will process your personal data to the extent necessary to provide such information, e.g. e-mail address, phone number, information related to the product or its location, or other personal data as directed by you. You can opt out of receiving such information at any time, and we will cease our processing of your relevant personal data upon such opt-out.


11.2. Transactions involving Third Parties: We make available to you services, products, applications, or skills provided by third parties for use on or through the Site. For example, you can order products from third parties, download applications from third-party application, and enable third-party skills. You can tell when a third party is involved in your transactions, and we share customer's personal information related to those transactions with that third party.


11.3. Third-Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders for products or services, delivering packages, sending postal mail and email, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, transmitting content, scoring, assessing and managing credit risk, and providing customer service. These third-party service providers have access to personal information needed to perform their functions, but may not use it for other purposes.


12. PROCESSING OF DATA FOR THE PURPOSE OF ORDER HANDLING


12.1. To process your orders, we work together with Vendors and Third-Party Service Providers. As stated in our Terms and Conditions any contracts entered into on our Platform are exclusively between the Vendor and the Customer. However, to help facilitate the transaction certain personal data is transferred to Vendors and Third-Party service providers in accordance with the following information.


12.2. The personal data collected by us will be passed on to the transport company commissioned with the delivery within the scope of contract processing, insofar as this is necessary for the delivery of the goods. We will pass on your payment data to the commissioned credit institution within the framework of payment processing, if this is necessary for payment handling. If payment service providers are used, we explicitly inform you of this below.


13. OPT-OUT OF DISCLOSURE OF PERSONAL INFORMATION TO THRID PARTIES


13.1. In connection with any Customer information, we may disclose to a third party for a business purpose, you have the right to know:


13.1.1. The categories of personal information that we disclosed about you for a business purpose.


13.1.2. You have the right under certain privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information. To opt-out of the disclosure of your personal information, please email Info@eFintechForum.com


14. USE OF THIRD-PARTY PLATFORMS


14.1. WEB ANALYTICS SERVICES Google (Universal) Analytics


14.1.1. Google Analytics This Platform uses Google Analytics, a web analysis service of Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("Google"). Google Analytics uses cookies, which are text files stored on your

computer, to help the Platform analyze how users use the site. The information generated by the cookies about your use of this Platform (including the shortened IP address) is generally transmitted to a Google server in the USA and stored there.

This processing is carried out on the basis of our legitimate interest in the statistical analysis of user behavior for optimization and marketing purposes.


14.1.2. On our behalf, Google will use this information to evaluate your use of the Platform, to compile reports on Platform activity and to provide us with other services relating to Platform and internet use. The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, we should point out that in that case you might not be able to use the full functionality of this Platform. You may permanently refuse Google to collect data generated by cookies regarding the use of the Platform (including your IP address) and to process them. You can download and install the browser plugin available under the following link: https://tools.google.com/dlpage/gaoptout?hl=en.


14.1.3. Information on how Google Analytics handles user data can be found in Google's privacy policy at: https://support.google.com/analytics/answer/6004245?hl=en


15. RIGHTS OF THE DATA SUBJECT


15.1. The applicable data protection law grants you comprehensive rights of data subjects (rights of information and intervention) vis-à-vis the Company with regard to the processing of your personal data, about which we inform you below:


15.2. You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information. To opt-out of the disclosure of your personal information, email Info@eFintechForum.com


15.3. Right to Deletion


15.3.1. Subject to certain exceptions set out below, on receipt of a verifiable request

from you, we will:


  • Delete your personal information from our records; and
  • Direct any service providers to delete your personal information from their records.


15.3.2. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:


  • Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  • Debug to identify and repair errors that impair existing intended functionality;
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
  • Comply with the California Electronic Communications Privacy Act;
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
  • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • Comply with an existing legal obligation; or
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.


15.4. IF, WITHIN THE FRAMEWORK OF A CONSIDERATION OF INTERESTS, WE PROCESS YOUR PERSONAL DATA ON THE BASIS OF OUR PREDOMINANT LEGITIMATE INTEREST, YOU HAVE THE RIGHT AT ANY TIME TO OBJECT TO THIS PROCESSING WITH EFFECT FOR THE FUTURE ON THE GROUNDS THAT ARISE FROM YOUR PARTICULAR SITUATION. IF YOU EXERCISE YOUR

RIGHT TO OBJECT, WE WILL STOP PROCESSING THE DATA CONCERNED. HOWEVER, WE RESERVE THE RIGHT TO FURTHER PROCESSING IF WE CAN PROVE COMPELLING REASONS WORTHY OF PROTECTION FOR PROCESSING WHICH OUTWEIGH YOUR INTERESTS, FUNDAMENTAL RIGHTS AND FREEDOMS, OR IF THE PROCESSING SERVES TO ASSERT, EXERCISE OR

DEFEND LEGAL CLAIMS. IF WE PROCESS YOUR PERSONAL DATA FOR DIRECT MARKETING PURPOSES, YOU HAVE THE RIGHT TO OBJECT AT ANY TIME TO THE PROCESSING OF YOUR PERSONAL DATA WHICH ARE USED FOR DIRECT MARKETING PURPOSES. YOU MAY EXERCISE THE OBJECTION


AS DESCRIBED ABOVE. IF YOU EXERCISE YOUR RIGHT TO OBJECT, WE WILL STOP PROCESSING THE DATA CONCERNED FOR DIRECT ADVERTISING PURPOSES.


16. DURATION OF STORAGE OF PERSONAL DATA


16.1. The duration of the storage of personal data is determined by the respective legal retention period (e.g. commercial and tax retention periods). After expiry of this period, the corresponding data will be routinely deleted, provided they are no longer necessary for the performance or initiation of the contract and/or there is no longer any legitimate interest on our part in the further storage.


17. AMENDMENTS TO THE COMPANY’S PRIVACY POLICY


17.1. We may change this policy from time to time and if we do, we’ll post any changes on this page. If you continue to use the Platform after those changes are in effect, you agree to the new policy. If the changes are significant, we may provide a more prominent notice or get your consent, as required by law.


18. CONTACTING EMERGING FINTECH, INC.


18.1. In the context of contacting us (e.g. via contact form or e-mail), personal data is collected. Which data is collected in the case of a contact form can be seen from the respective contact form. These data are stored and used exclusively for the purpose of responding to your request or for establishing contact and for the associated technical administration. The legal basis for processing data is our legitimate interest in responding to your request. Your data will be deleted after final processing of your enquiry; this is the case if it can be inferred from the circumstances that the facts in question have been finally clarified, provided that there are no legal storage obligations to the contrary.


18.2. The best way to get in touch with us or above is at Info@eFintechForum.com


19. CONFLICTING PROVISIONS


19.1. Should a court of competent jurisdiction find that any provisions in this Agreement conflict with the Terms and Conditions, the Terms and Conditions shall govern any dispute.


20. VENUE AND GOVERNING LAW


20.1. The Agreement is governed by and shall be construed in accordance with Delaware law without regard to Delaware’s conflicts of law provisions.


20.2. The User agrees that any disputes arising out of or relating to the Agreement, its breach, or subject matter, that are not governed by section 42 of the Terms and Conditions, shall be brought exclusively before the Courts of California, and hereby consents to the Court’s jurisdiction.

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