Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong lim complex, SINGAPORE, 051531 1

Zoqq Privacy Policy

Version: 1.0

Date: 23.03.2021

Version

Date Created

Created By

Reviewed By

Approved By

Version: 1.0

23/03/2021

Sowdeep Biswas

Deepak Kumar

Sanjit Ghanti

Contents

1. Zoqq Privacy Policy 2

2. Introduction 2

3. What Information Do We Collect? 2

4. How we use personal data 3

5. Information Provided to Us by Third Parties 4

6. Data Security 4

7. Consent 4

8. Use of cookies 5

9. Maintaining your account data 5

10. Data Storage and Data Retention 5

11. Accessing and Updating 5

12. Children’s Policy 6

13. Changes to Privacy Policy 6

14. Implementation of Policy 6

Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong Lim Complex, SINGAPORE, 051531

Please read carefully the full privacy policy below.

1. Zoqq Privacy Policy

By viewing or using our site you agree that you have read and accepted this privacy policy (as

amended and posted on this site from time to time) and our terms of use as set out on the site (of which

this privacy policy forms part). You may only use this site if you consent to the uses of your personal data

being made as are set out in this privacy policy and if you agree to be bound by our terms of use and,

where relevant, the Zoqq terms and conditions.

For any questions about our Privacy Policy or how it applies to specific data, please feel free to us at

support@Zoqq.com. We will ensure your concerns are resolved to continue our relationship.

2. Introduction

Welcome to www.Zoqq.com. Zoqq is a self-service card application and management portal for

corporate card programs, powered by Stylopay , Singapore. In this privacy policy the expressions

"we" and "us" mean Stylopay . We take your privacy seriously and this Privacy Policy explains the steps

we take to ensure information about you is kept secure and confidential.

This privacy policy sets out details of the personal data we collect about our customers and how we

may use that information to personalize, improve and continue to operate the StyloPay Services. We

advise visitors of our website to review it often for the periodic updates we do for our Privacy Policy.

This Privacy Policy applies to:

1. Our wallet and card holders globally

2. Our IBAN account holders globally

3. Visitors and users of www.Zoqq.com, and any other website and mobile application through which

you interact with StyloPay in your use of the card or related services (collectively, the “Websites”).

3. What Information Do We Collect?

a. Personal Data that we collect about you.

Personal Data is any information that relates to an identified or identifiable individual. The Personal

Data that you provide directly to us through our Sites will be apparent from the context in which you

provide the data. In particular:

 When you register for a Zoqq account we collect your full name, email address, and account

log-in credentials.

 When you fill-in our online form to contact our sales team, we collect your full name, work

email, country, and anything else you tell us about your project, needs and timeline.

When you respond to Zoqq emails or surveys we collect your email address, name and any other

information you choose to include in the body of your email or responses. If you contact us by phone,

Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong Lim Complex, SINGAPORE, 051531

we will collect the phone number you use to call StyloPay. If you contact us by phone as a Zoqq User,

we may collect additional information in order to verify your identity.

If you are a Zoqq User, you will provide your contact details, such as name, postal address, telephone

number, and email address. As part of your business relationship with us, our 3

party service provider

may also receive financial and personal information about you, such as your date of birth and

government identifiers associated with you and your organization (such as your social security

number, tax number, or Employer Identification Number).

If you are a Customer, when you make payments or conduct transactions through a Zoqq User’s

website or application, our 3

party service provider will receive your transaction information. The

information that they collect will include payment method information (such as credit or debit card

number, or bank account information), purchase amount, date of purchase, and payment method.

Different payment methods may require the collection of different categories of information. The Zoqq

User will determine the payment methods that it enables you to use.

When we conduct fraud monitoring, prevention and detection activities, we may also receive Personal

Data about you from our business partners, financial service providers, identity verification services,

and publicly available sources (e.g., name, address, phone number, country), as necessary to confirm

your identity and prevent fraud. Our fraud monitoring, detection and prevention services may use

technology that helps us assess the risk associated with an attempted transaction that is enabled on

the Zoqq User’s website or the application that collects information.

b. Information that we collect automatically on our Sites

We use Google Analytics on our Sites to help us analyze Your use of our Sites and diagnose technical

issues. It may record information about your use of our Sites, including:

• Browser and device data, such as IP address, device type, operating system and Internet

browser type, screen resolution, operating system name and version, device manufacturer and model,

language, plug-ins, add-ons and the language version of the Sites you are visiting;

• Usage data, such as time spent on the Sites, pages visited, links clicked, language preferences,

and the pages that led or referred you to our Sites.

4. How we use personal data

We will only use your personal data where the law allows us to. Most commonly, we will use your

personal data in the following circumstances:

 where we need to perform the contract, we have entered into with you;

 where we need to comply with a legal or regulatory obligation; or

 where it is necessary for our legitimate interests and only if your interests and rights do not

override those legitimate interests.

Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong Lim Complex, SINGAPORE, 051531

5. Information Provided to Us by Third Parties

a. How the Information provided to us by third parties:

To use your personal information described in above section, we may obtain those information

from you when you purchase cards or use related services, we may obtain personal information about

you from the distributors, or other partners supporting the distribution and servicing of, those cards to

help us with customer authentication and credit-related agreements. Zoqq may also collect information

about you from third parties that perform services and analytics for us and collect your information such

as demographic and interest data such as gender, age range, location, sports enthusiast etc. These third

parties may include credit bureaus, data providers, fraud detection services and data analytics providers.

b. What we do with the Information provided to us by third parties:

When you visit our website, you provide us with your email address or mobile phone number

through “refer-a-friend” options or social networking platforms. We use these email addresses and

mobile phone numbers to send promotional offers, free trials, card products and services purchased by

others for your use and Zoqq promotional marketing information, all in accordance with applicable law.

In case you wish to stop receiving marketing promotional information, please see the section below

“How to Limit the Sharing and Use of Your Information”.

6. Data Security

c. We have put in place appropriate and industry standard security measures to prevent your personal

data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In

addition, we limit access to your personal data to only those employees who have a legitimate

reason to view and process it.

d. All parties with access to your personal data are all subject to a strict duty of confidentiality.

e. We have put in place procedures to deal with any suspected personal data breach and will notify you

and the ICO of a breach where we are legally required to do so.

f. We secure your personal data on our servers in a controlled, secure environment, protected from

unauthorized access, use or disclosure. All personal information is transmitted to other Websites

through the use of Secure Socket Layer (SSL) encrypted protection.

7. Consent

By registering your details with us, you also consent to our using and/or disclosing your personal

data for the following purposes: to selected third parties for the purposes of providing and operating

our services; and Providing or arranging for third parties to provide customer care/help desk facilities

(which may involve disclosing your information to third parties solely for those purposes).

In providing our service to you we may be required to transmit your personal data to 3rd parties

located outside the EEA in countries, which do not have the same standards of protection for personal

data as UK. By registering your personal data with us, you agree to such transfer and use of your personal

data. We will at all times ensure that 3rd parties to whom your data is transferred have committed that

Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong Lim Complex, SINGAPORE, 051531

they will comply with our data protection standards by putting in place a contract to ensure your

information is adequately protected.

8. Use of cookies

Zoqq website and card portals do not use any cookies.

9. Maintaining your account data

As a registered customer, you have the ability to log onto your account using your username and

password. Once you have logged in, you have the ability and obligation to maintain the accuracy of your

personal data. If you update your data, you authorize us to re- verify the accuracy of this personal data.

Keeping your account current will assist us in compliance matters and ensure you have more accurate

access to your account.

10. Data Storage and Data Retention

The Safety and Security of data is must for us and hence we ensure that the data we have is encrypted

and thereby comply with the GDPR standards.

Data Encryption: data is encrypted both when at rest and in flight. This applies equally to public cloud

storage, preferably using user-managed keys, not just those provided by the cloud provider.

Data Retention:

g. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it

for, including for the purposes of satisfying any legal, accounting, or reporting requirements. There

are some circumstances where personal data may be stored for longer periods (e.g. archiving

purposes in the public interest, scientific or historical research purposes). Recital 39 of the GDPR

states that the period for which the personal data is stored should be limited to a strict minimum and

that time limits should be established by the data controller for deletion of the records (referred to

as erasure in the GDPR) or for a periodic review.

h. StyloPay is obligated under the Money Laundering, Terrorist Financing and Transfer of Funds

Regulations 2017 to retain your personal data for a period of five years. This applies even if you do

not complete your registration as a Zoqq customer.

i. We will not hold any of your personal data for more than five years after the termination of our

relationship.

11. Accessing and Updating

You are entitled to see the information held about you and you may ask us to make any necessary

changes to ensure that it is accurate and kept up to date. If you wish to do this, please contact us. We

are entitled by law to charge a reasonable fee to meet our costs in providing you with details of the

information we hold about you.

Zoqq Privacy Policy

This document contains proprietary and confidential information

Address: 531A Upper Cross Street #04-95 Hong Lim Complex, Singapore, 051531

12. Children’s Policy

The Zoqq Services are not intended for use by children. We do not knowingly collect personal

information from children under the age of 13 years. In any case if you allow a child to use your device

or card services, you should be aware that their personal information could be collected as described in

this policy. We encourage parents to be involved in the online activities of their children to ensure that

no information is collected from a child without parental permission

If we become aware that a child under 13 has opened an account or otherwise provided us with

Personal Information, we take steps to terminate the child’s account and delete such information.

13. Changes to Privacy Policy

We may change this policy from time to time in order to keep up with market demands and

regulations. Further in order to keep you updated about the updates, we will attempt to notify you by

posting an announcement on the Zoqq Services or sending you an email; however, any changes to the

14. Implementation of Policy

This Policy shall be deemed effective as of 23/03/2021. No part of this Policy shall have

retroactive effect and shall thus apply only to matters occurring on or after this date

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