BOLDYIELD ("We" or “we” “us”) are committed to protecting and respecting your privacy.
This Policy together with the Terms and Conditions describes personal data we collect and/ or process from you through the website or that you provide to us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.boldyield.com you are accepting and consenting to the practices described in this Policy.
2. INFORMATION WE MAY COLLECT FROM YOU
2.1. Information you give us
You may give us information about you when you wish to access and use any of the Services accessible through the Site, whether as a lender, borrower, guarantor or as a representative of any of the foregoing, including in filling in forms on our site www.boldyield.com (our site or the site or Site) or by corresponding with us by phone, e-mail or otherwise. and when you report a problem with our site. The information you give us may include your name, address, e-mail address and phone number, financial, credit card and bank related information, personal description and or photograph, personal identification document photo.
2.2. Information we collect about you
With regard to each of your visits to our site we may automatically collect the following information:
· technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
· information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
· The information you give us when wishing to access and use any of our Services. This may include information about third parties such as a guarantor. Where relevant we will hold and process this information to allow us to make decisions about you and your accounts with us.
2.3. Information we receive from other sources
We may receive information about you if you use any of the other websites we operate or the other services we provide. In this case we will have informed you when we collected that data that it may be shared internally and combined with data collected on this site. We are also working closely with third parties (including, for example, credit reference agencies, fraud prevention agencies, insolvency practitioners, debt advisers, tracing agents, commercial databases, marketing databases, public records and other publicly available information services) and may receive information about you from them.
We will retain copies of correspondence with you as well as other data relating to your activities in using the Site and its Services and any arrangements with us and where the service is available, we retain information placed in blogs on our site.
3. INFORMATION YOU PROVIDE ABOUT OTHER PEOPLE
5. USE OF THE INFORMATION
We use information held about you in the following ways:
5.1. Information You Give To Us
We will use this information:
· to assess an application, whether as lender, borrower or guarantor;
· to open an account or accounts with and to manage and maintain those accounts;
· to update the records we hold from time to time;
· to provide the Services enabled by us and the Site through the Site;
· to inform you about developments on the Site and in relation to the Services to develop and improve the Services;
· if you are a Borrower to assess the information you provide us, including to assess and verify your creditworthiness, and make credit related decisions about you; to trace your whereabouts whether in the context of enforcing a loan agreement or contemplating enforcing a loan agreement, to transfer money to a lender, to comply with such legal and regulatory compliance obligations to which we are subject, where you have given your consent to contact you about products and services that may interest you and for the prevention and detection of fraud or other illegal or criminal activity;
· if you are a Lender, to assess and verify your application to lend, to comply with our legal and regulatory obligations at law, to assess whether to consent to the novation of a loan or part, to collect money from you, to transfer money to a borrower, to enforce obligations under a Loan Agreement, to act on your behalf where authorised or required to do so, where you have given your consent to contact you about products and services that may interest you and for the prevention and detection of fraud or other illegal or criminal activity;
· to notify you about changes to our Services;
· to ensure that content from our site is presented in the most effective manner for you and for your computer.
5.2. Information we collect about you
We will use this information:
· to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
· to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
· to allow you to participate in interactive features of our service, when you choose to do so;
· as part of our efforts to keep our site safe and secure;
· to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
· as provided under Information You Give to us.
5.3. Information we receive from other sources
6. DISCLOSURE OF YOUR INFORMATION
We may share your personal information with any member of our group (legal and organizational structure), which means our subsidiaries, our ultimate holding company and its subsidiaries, our shareholders and executives.
We may share your information in order to provide the Services or any of them and to allow a Lender or Borrower to register for the Services or any of them, to access and make use of the Services or any of them, including in the case of a Lender to lend money, or seek to lend money or to assess whether to lend money and in the case of a Borrower to seek a loan and to decide whether to accept a loan, in the Loan Agreement, to provide updates on the performance of parties under a Loan Agreement, and if required to assess enforcement options in respect of a Loan Agreement and to enforce any Loan Agreement.
We may share your information with a subsidiary or holding company, shareholders and executives. In addition, we may share your information with selected third parties including:
· sub-contractors for the performance of any contract we enter into with them or you.
· advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. [We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, males in Hamburg). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience].
· Analytics and search engine providers that assist us in the improvement and optimisation of our site;
· Credit reference agencies for the purpose of assessing your credit score.
We may disclose your personal information to third parties:
· In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
· If BOLDYIELD assets are acquired by a third party, in such case personal data held by it about its customers will be one of the transferred assets.
· If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and Conditions and other agreements; or to protect the rights, property, or safety of BOLDYIELD, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
7. WHERE WE STORE YOUR PERSONAL DATA
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology, where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Fraud Prevention Agencies (FPA)
If you give us false or inaccurate information or if we suspect or identity fraud, we may record this and may also pass this information to Fraud Prevention Agencies and other organisations involved in crime and fraud prevention including Laws Enforcement Agencies. We and other organisations may access and use (a) this information in order to prevent fraud, money laundering or other criminal activity (for example by checking details on credit applications for managing credit and recovering debt) and (b) information recorded by FPAs from other countries.
8. YOUR RIGHTS
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at [email protected]