Global Privacy Notice

Personal Information is any information that we can use to identify, locate, or contact you, along with other associated information. It also includes other information that may be associated with your personal information. We collect several types of personal information, including:

• Card transaction data that enables us to operate the Stockbacking Services, our      card self-sufficiency networks and provide self-sufficiency points. When you use a Stockbacking affiliated card (or other payment product), we receive the date, time, location and amount of the transaction and information about the merchant. We may receive other financial information when processing transactions and providing services to our clients. For example, when you enroll in Stockbacking, you are automatically enrolled to use at least one of our diversity secure fixed securities income instrument solutions (such as Stock Backing Asset Index or SBAI), we may also collect additional information about the payment card you are using buying, such as the expiration date and security code (for example, CVV2 of your payment card) and your billing address.
• Contact Information that allows us to communicate with you, such as your name, username, mailing address, telephone number, email address, or social      media profile names.
• Relationship Information that helps us do business with you, such as you are shopping and payment preferences and other information that can help us understand you and offer you personalized content.
• Information about your Interactions with Stockbacking, such as data collected when you: 

• Use our products, services, websites, or apps, including information       collected using Cookies and other technologies, which may include geolocation information, browsing history and other information available via digital interactions.
• Communicate with us, such as if you contact our customer service centers, including recording calls for quality and training purposes.
• Participate in promotions or programs.
• Attend Stockbacking sponsored events, such as travel-related information for you and any companions and information gathered at the events, such as photos or videos.
• Opt in or out of marketing or exercise your other choices.

We receive Card Transaction Data and other financial information from your payment card issuer and from merchants, acquirers, and other third parties whenever you use a Stockbacking affiliated card. We may receive additional information from third-party digital wallets and merchants when you make an online purchase, or from our clients, when we provide services to them.

We collect personal information when you sign up for Stockbacking, offers or loyalty programs with our Affiliates or clients. For example, if you opt-in to receiving cash-back or card-linked offers, we will process Card Transaction Data and other personal information to enable you to receive the credits and rewards, for commit and allocate all the benefits of your credit or debit cards to the first and only instrument of fixed income securities in exchange for a partial or total self-sufficiency of your cards, and get for all the products and services that you pay with your affiliated cards that are directly or indirectly associated with a publicly traded company, self-sufficiency points that increase the self-sufficiency performance of your cards automatically.    

We may collect personal information directly from you, or third parties may collect personal information from you on our behalf. For example, you may contact us, register for a promotion, sign up to receive messages from us or participate in a Stockbacking-sponsored event.             

We collect information when you visit our websites, use our apps, or engage with our emails or ads. You can learn more by reading our Cookie Notice. We may also capture device characteristics like keystroke timing to help us recognize valid transactions and authenticate you. We may collect information that you post publicly on social media.

We may also obtain information about you from data brokers who help us enhance our records with demographic data and public records. For example, we may receive personal or household characteristics, such as your estimated age or household income.

In all cases, the information we collect is subject to applicable laws and the choices that you may have exercised.

We use personal information to:

• Operate the Stockbacking services, 2 enable our credit services for your payment transactions and for related purposes, such as authentication, dispute      resolution, fraud prevention and security.
• Provide you with the products, services, programs, offers, or information you      request from Stockbacking, and for related purposes such as determining      eligibility and customer service.
• Provide services to our clients. For example, if you enroll in a card issuer or      merchant loyalty program, we will process Card Transaction Data to calculate your rewards and provide targeted offers to you from Stockbacking about the client.
• Operate Stockbacking or “click” to pay specifically with a Stockbacking affiliated      card through (Stockbacking online payment button) including to enroll in any our solutions diversity, to allow you to remain logged in to your device (if you have chosen this to increase your points to allow you to browse using the solution, to integrate with other digital wallets (if you have chosen to do this to increase your self-sufficient points), and to participate in programs related to your use of the solution. 
• Administer surveys, loyalty programs, sweepstakes, contests, and events.
• Based on your choices, deliver marketing communications, personalized offers,      and interest-based ads to you.
• Understand how you and others use our products, for analytics and modeling and to create business intelligence and insights and to understand economic      trends.
• Generate de-personalized, de-identified, anonymized, or aggregated datasets, which are used for product development and delivery of consulting services to      clients.
• Support our everyday business purposes, such as for account management, quality control, website administration, business continuity and disaster      recovery, security and fraud prevention, corporate governance, reporting and legal compliance.

Please note that we may also use and disclose information that is not personally identifiable. For example, we may publish reports that contain aggregated or statistical data, such as reports showing general payment card usage trends. These reports do not contain any personal information.

2This includes our core processing activities, such as allocating of your benefits into our fixed income securities instrument based on spending with credit and debit cards, clearing, and grant you self-sufficiency points.

We may disclose your personal information to:

• Your card (or payment product) issuer
• Merchants, financial institutions, and third parties as needed to enable your card self-sufficiency, operate our self-sufficiency network, support the Fixed      Income Securities (FIS) and Stock Market-Based Rewards Program (Stockbacking), manage fraud, compliance, and complaints, and for similar purposes (such as investigating disputed charges)
• Our Affiliates, which may only use your information for the purposes described      in this Notice, and
• Our service providers, who use your information to provide services to us and      are required to protect it
   

With your consent, we may disclose your information to merchants, rewards networks, and other partners, such as when you opt-in to a co-branded or promotional program. In all cases, Stockbacking operates as a service provider to companies that offer cash-back and rewards programs, and we may disclose information about you to active our services to your payment transactions based on the consent that you provided the rewards company to enable it to provide the rewards. For example, if you sign up to receive offers from a travel partner through card issuer, we may share your personal information with that partner as needed to operate the program, validate referrals, and measure success of the promotions based in our services and solutions.
 

We may share your information with other third parties as permitted by law, such as when we sell or transfer business assets, enforce our contracts, protect our property or the rights, property, or safety of others, or as needed for audits, compliance, and corporate governance.

We will also disclose personal information when required to do so by law, such as in response to a subpoena, including to law enforcement agencies, regulators and courts in the United States and other countries where we operate.

When you visit our website, use our mobile applications, or engage with our emails and online ads, we may collect information by automated means, using technologies such as cookies, pixel tags, browser analysis tools, server logs, and web beacons.

In some cases, the information we collect is only used in a non-identifiable way. For example, we use information we collect about all website users to optimize our websites and to understand website traffic patterns. We do not use this information to profile you or target our ads.
 

In other cases, we may use the information in an identifiable way. For example, we may authenticate you or your device, deliver personalized content or use the information for analytics, fraud detection, and security. We may also use the information for online ad targeting. Our Cookie Notice provides more information about our online data collection technologies and your choices.
 

As described in our Cookie Notice, we have relationships with third-party advertising companies. These third parties may track you, your browser or your device across different websites and applications.

Subject to your settings, we may place cookies or tags on your computer when you visit our website so that they can display targeted advertisements to you on other websites. The use of your data by these companies is subject to their own privacy policies.
 

Many Stockbacking websites only place marketing, personalization, and advertising cookies if you explicitly accept these cookies by clicking “Accept All Cookies” when you first visit the website. Our Cookie Notice explains how to manage your preferences and how to disable previously accepted cookies.

Our websites may enable you to interact with us and others via social media platforms. We collect information from these platforms as permitted by the sites’ legal terms. We may also display interest-based ads to you when you are using these platforms. The platforms allow us to personalize the ads that we display to you, and they may gain insights about individuals who respond to the ads we serve. 

When you download our mobile applications, you may allow us to obtain your precise location from your mobile device. We use this information to deliver personalized content and for analytics. We may also offer automatic ("push") notifications. We will provide push notifications only if you opt-in to receive them. You do not have to provide location information or enable push notifications to use our mobile apps. 

Privacy Center: Stockbacking offers you different choices about how use your information. We also offer you choices about how we communicate with you. Our Privacy Center explains how to exercise these choices.

We respect your rights to access and correct your information and to request that we delete your information if we no longer need it for a business purpose. If you have an online account with Stockbacking, you can log into your account to access (if is the case), update and delete your information (if is the case). You can also submit requests to us via the Privacy Portal or Contact Us for assistance.

For security reasons and to prevent unauthorized disclosure of personal information, cardholders should contact their payment card issuers to access their Card Transaction Data. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuer’s verification processes.

Additionally, if you have questions about how your issuer, any merchants or rewards networks handles your personal information, please check the privacy notices provided by these companies and contact them directly for assistance with any privacy requests. When Stockbacking acts as a service provider (also called a data processor) for our clients, we only process your information as instructed by our client to provide the services and for other appropriate purposes, such as recordkeeping and compliance. We rely on our clients to provide you with appropriate privacy notices and to manage your privacy rights.

Supplemental Privacy Notice: Residents of some states and countries have additional privacy rights. Information on these rights is provided in the supplemental privacy notices posted in the Privacy Center. 

Stockbacking is based in the United States and has Affiliates and service providers around the world. Your personal information may be transferred to other countries, which may not have similar privacy or data protection laws. However, we will always protect your information as described in the Privacy Notice, no matter where it is stored.  

We use physical, technical, organizational, and administrative safeguards to help protect your personal information from unauthorized access or loss. For example, we use encryption and other tools to protect sensitive information. We retain your personal information as needed for the purposes listed above and as permitted by law. 

This Privacy Notice explains how Stockbacking Inc., and its Affiliates handle your personal information. Please also read the privacy notice provided by your card issuer to learn how that company handles your information. Additionally, if you are participating in offers or promotions, please read the privacy notices provided by the merchant or the rewards network before you sign up.

Social media platforms and other websites that may be accessed through Stockbacking’s websites also have their own privacy policies. We encourage you to read the privacy notices provided by these sites before you give them your information.

If you have applied for a job at Stockbacking, the personal information in your application will be used and retained for recruiting, compliance, and other customary human resources purposes. For more information about our HR Privacy Program, please Contact Us. 

We may update this Privacy Notice from time to time. We will post an alert online if the changes are material. If the changes will materially affect the way we use identifiable information that we have already collected, we will notify you. 

If you have questions or comments about our privacy practices, or if you would like help exercising your privacy rights, please contact us. You can:

• Email us: privacy@Stockbacking.com
  Please do not include sensitive information, such as your account number, in emails.
• Mail us a letter:
      Stockbacking Global Privacy Office
      388 Market Street, Suite 1300
      San Francisco, CA, 94111 USA

This Global Privacy Notice is supplemented by the following additional notices, depending on how you interact with us and where: 

Información importante: Argentina

El titular de los datos personales tiene la facultad de ejercer el derecho de acceso a los mismos en forma gratuita a intervalos no inferiores a seis meses, salvo que se acredite un interés legítimo al efecto conforme lo establecido en el artículo 14, inciso 3 de la Ley Nº 25.326 o bien, en cualquier momento, el retiro o bloqueo total o parcial de sus datos personales de la base de datos mediante el envío de un correo electrónico a privacy@stockbacking.com.

LA AGENCIA DE ACCESO A LA INFORMACIÓN PÚBLICA, en su carácter de Órgano de Control de la Ley N° 25.326, tiene la atribución de atender las denuncias y reclamos que interpongan quienes resulten afectados en sus derechos por incumplimiento de las normas vigentes en materia de protección de datos personales.

Agencia de Acceso a la Información Pública

Dirección: Av. Pte. Gral. Julio A. Roca 710, piso 3 - Ciudad Autónoma de Buenos Aires (C1067ABP)
 

Important information: Australia

Stockbacking is providing the following supplemental information for individuals whose personal information is collected or held by Stockbacking Inc. or any of its Affiliates at a time when the collecting or holding entity has an 'Australian link' within the meaning of the Australian Privacy Law. 

Where you are such an individual, you may make a complaint to us about a breach of the Australian Privacy Principles by using the contract details in Part 18 of the Stockbacking Privacy Notice.  We will investigate your complaint and endeavor to resolve any issue to your satisfaction.  If we do not adequately answer your concerns, you will have the right to make a complaint in writing to the Office of the Australian Information Commissioner.

Informações importantes: Brasil 

Este aviso de privacidade suplementar da Stockbacking fornece as informações adicionais exigidas pela Lei Federal n.º 13.709/2018 - Lei Geral de Proteção de Dados Pessoais do Brasil ("LGPD"). Estas disposições, bem como as declarações no Aviso de Privacidade Global da Stockbacking explicam nossas práticas com relação às Informações Pessoais (termo definido no Aviso de Privacidade Global) no Brasil.

Informações sobre a Stockbacking

Essas informações são fornecidas pela Stockbacking Inc. em nome dela e de suas afiliadas: 

Stockbacking Inc.
388 Market Street, Suite 1300
San Francisco, CA 94111
EUA 

A Stockbacking Inc. está sediada nos Estados Unidos. Nossa representante no Brasil é: 

Stockbacking do Brasil Empreendimentos Ltda.
Endereço: Av. Presidente Juscelino Kubitschek, nº 1.909, 3º andar, Torre Norte, Vila Nova Conceição, São Paulo/SP 

Entre em contato com o Departamento de Privacidade Global da Stockbacking pelo e-mail privacy@Stockbacking.com ou escreva para: 

Stockbacking Global Privacy Office
388 Market Street, Suite 1300
San Francisco, CA 94111
EUA 

Coleta e uso de Informações Pessoais

Conforme descrito no Aviso de Privacidade Global da Stockbacking, algumas Informações Pessoais são necessárias para que possamos estabelecer um relacionamento comercial, para que você possa usar nossos produtos e serviços, participar de promoções ou usufruir de benefícios direcionados a credenciais de pagamento (cartões) emitidas pelas marcas Stockbacking. Nossos formulários de cadastro indicam quais Informações Pessoais são necessárias.

Além das Informações Pessoais listadas acima, a Stockbacking também solicita seu CPF para individualizar o cadastro, evitar cadastros fraudulentos e, se necessário, facilitar os processos de recuperação de login e senha. Depois que um CPF for associado a uma conta cadastrada, esse número não poderá ser alterado. Seu CPF será utilizado e protegido da mesma forma que as demais Informações Pessoais que você nos fornece. 

A Stockbacking também solicita o dia e o mês do seu aniversário para consequentemente fornecer ofertas e benefícios no seu aniversário.

O Aviso de Privacidade Global da Stockbacking explica as finalidades para as quais tratamos suas Informações Pessoais.

Também podemos tratar suas Informações Pessoais para nossos próprios interesses legítimos ou interesses legítimos de terceiros, desde que tal tratamento não infrinja seus direitos e liberdades fundamentais ou se tivermos outra base legal para o tratamento sob a lei de privacidade de dados.

Decisões automatizadas

Usamos a criação de perfil e análise para compreender como as pessoas usam cartões Stockbacking e outros produtos para fins de desenvolvimento de produtos e informações de negócios. Essas análises nos ajudam a entender e melhorar nossos produtos e a melhorar os serviços para clientes, parceiros e consumidores. Também usamos as análises de segurança e fraude, por exemplo, para identificar o uso não autorizado dos cartões Stockbacking.

Não tomamos decisões automatizadas sobre você que possam afetá-lo de maneira significativa, a menos que (1) a decisão seja necessária como parte de um contrato que temos com você ou no qual você é uma parte, (2) nós tenhamos seu consentimento explícito, ou (3) sejamos obrigados por lei a usar a tecnologia.

Seus direitos 

Você pode escolher como a Stockbacking usará suas informações pessoais sempre que a Stockbacking atuar como controladora de dados com relação à custódia e processamento de suas informações. Você sempre tem o direito de se opor às nossas comunicações de marketing.  

Observe que as Soluções de Propaganda Stockbacking não usam dados de transação de cartão no Brasil para produzir dados, pois a ferramenta não está disponível no Brasil.

Em conformidade com a LGPD brasileira, a Stockbacking respeita e garante a você a possibilidade de enviar solicitações com base nos seguintes direitos:

• Confirmação de tratamento;
• Acesso aos dados;
• Correção de dados incompletos, imprecisos ou desatualizados;
• Anonimização, bloqueio ou exclusão de dados desnecessários e excessivos;
• Portabilidade dos dados para outro prestador de serviço ou produto, mediante solicitação expressa,  conforme previsto na legislação pertinente;
• Exclusão de dados tratados ​​com o seu consentimento;
• Obtenção de informações sobre as entidades públicas ou privadas com as quais a Stockbacking compartilhou seus dados;
• Informação sobre a possibilidade de você não fornecer o consentimento, bem como ser informado sobre as consequências caso o consentimento não seja dado;
• Revogação do consentimento.

Para exercer esses direitos, escreva para nosso Departamento de Privacidade Global pelo e-mail privacy@Stockbacking.com e um membro de nossa equipe de privacidade o ajudará. Observe que talvez seja preciso verificar sua identidade antes de processarmos sua solicitação.

Se a Stockbacking estiver tratando suas Informações Pessoais como operador de dados, você receberá os detalhes de contato de nossos clientes (p. ex., o emissor do cartão Stockbacking) para obter suporte com suas solicitações diretamente com este parceiro.  A Stockbacking apoia seus clientes ao responder às solicitações conforme exigido por lei.

Enfatizamos que sua solicitação, referente aos seus direitos como titular dos dados, pode ser juridicamente rejeitada, seja por motivos formais (como sua incapacidade de provar sua identidade) ou por motivos legais (como o pedido de exclusão de dados cuja manutenção é exigida ou permitida por lei). Esteja certo que, em caso de impossibilidade de atender a esses pedidos, a Stockbacking fornecerá justificativa razoável.

Se você acreditar que estamos tratando suas Informações Pessoais violando a legislação aplicável, você também pode apresentar uma reclamação ao encarregado da Stockbacking, que pode ser contatado no Departamento de Privacidade Global da Stockbacking, ou com uma autoridade supervisora.

Compartilhamento de Informações Pessoais

Conforme observado no Aviso de Privacidade Global da Stockbacking, podemos compartilhar suas Informações Pessoais com a instituição financeira (ou outra entidade) que emitiu seu cartão Stockbacking (ou outro mecanismo de pagamento) e com nossas Afiliadas, estabelecimentos comerciais, outras instituições financeiras e terceiros conforme necessário para tratar transações, gerenciar riscos e fraudes, fornecer serviços a essas entidades e para fins semelhantes (p. ex., investigar e resolver cobranças contestadas, tratar uma promoção comercial em que você esteja envolvido) e cumprir a lei aplicável.

Podemos compartilhar suas Informações Pessoais com nossos prestadores de serviços, que são obrigados a protegê-las por lei ou contrato e usá-las de acordo com nossas instruções.

Transferências Internacionais

De acordo com o Aviso de Privacidade Global da Stockbacking, suas Informações Pessoais podem ser transferidas, armazenadas ou tratadas nos Estados Unidos, em Cingapura, na Austrália e em outros países que podem não ter leis de privacidade ou proteção de dados equivalentes.

Em geral, usamos cláusulas contratuais padrão para garantir que as Informações Pessoais estejam adequadamente protegidas quando transferidas para fora do Brasil, mas também podemos fazer transferências usando outros mecanismos permitidos por lei. 

Entre em contato pelo e-mail privacy@Stockbacking.com caso queira mais informações sobre transferências internacionais.

Duração do tratamento e retenção de Informações Pessoais

Manteremos suas Informações Pessoais enquanto forem necessárias para os fins estabelecidos acima e por qualquer período adicional que possa ser exigido ou permitido por lei. O período em que suas Informações Pessoais são mantidas depende dos fins para os quais foram coletadas, como são usadas e as exigências para cumprir as leis aplicáveis. Você pode solicitar a exclusão de suas Informações Pessoais pelo e-mail privacy@Stockbacking.com ou escrevendo para o Departamento de Privacidade Global no endereço acima. Se não tivermos uma base jurídica para reter suas informações, nós as excluiremos de acordo com a lei aplicável.

Important information: Canada

Consent

Stockbacking and your issuer collect, use, and disclose Personal Information for the purposes identified in the Stockbacking Privacy Notice, as described in your issuer’s privacy policy, and for any additional purposes, as required by law, with notice to you and your express or implied consent.

Opting Out of Third Party Advertising

You may be able to take advantage of the tool developed by the Digital Advertising Alliance of Canada to opt out of third-party advertising. Where available, this tool provides a list of parties that may target advertisements based on your online web-browsing activities and the ability to opt out of their use of your information for that purpose. To access the tool, visit https://youradchoices.ca/.

Stockbacking中国大陆隐私声明

更新日期：2023 年 8 月 1 日

Stockbacking Worldwide Pte. Limited（新加坡法人实体，以下简称“我们”或“Stockbacking”）深知个人信息对用户（以下简称“用户”或“您”）的重要性。 是Stockbacking的主要使命，并承诺始终尽一切努力确保用户个人信息的安全。 《Stockbacking中国大陆隐私声明》（以下简称“本声明”或“隐私声明”）适用于中华人民共和国境内（不包括香港、澳门特别行政区和台湾）。 服务或活动（以下统称为“备货活动”）。

在参与Stockbacking活动之前，我们建议您仔细阅读并理解《Stockbacking全球隐私声明》及本声明全部内容，特别是确保您知悉并充分理解粗体内容的含义以及相应的法律规定。后果，并在此基础上随意做出您认为适当的决定。 我们将遵循以下原则保护您的个人信息：合法、正当、必要、诚实信用原则、目的明确、合理、直接关联原则、最少必要原则、公开透明原则、个人信息安全的责任和保障原则等。 同时，我们力求用简洁易懂的文字来表达，并对本说明中与您权益有重要关系的条款使用粗体进行标注，提醒您仔细阅读。 

如果您对本说明的内容有任何疑问、意见或建议，您可以通过本说明中注明的联系方式与我们联系。

个人信息与敏感个人信息

个人信息是以电子或者其他方式记录的与已识别或者可识别的自然人有关的各种信息，不包括匿名化处理后的信息。

敏感个人信息是一旦泄露或者非法使用，容易导致自然人的人格尊严受到侵害或者人身、财产安全受到危害的个人信息， 包括生物识别、宗教信仰、特定身份、医疗健康、金融账户、行踪轨迹等信息，以及不满十四周岁未成年人的个人信息。

个人信息的收集和使用"

个人信息是以电子或者其他方式记录的与已识别或者可识别的自然人有关的各种信息，不包括匿名化处理后的信息。

敏感个人信息是一旦泄露或者非法使用，容易导致自然人的人格尊严受到侵害或者人身、财产安全受到危害的个人信息， 包括生物识别、宗教信仰、特定身份、医疗健康、金融账户、行踪轨迹等信息，以及不满十四周岁未成年人的个人信息。

我们如何使用Cookie和同类技术"

当您使用我们提供的Visa活动相关服务时，我们可能使用Cookie 、像素标签、浏览器分析工具、服务器日志等技术收集信息，您可以点击《Cookie通知》了解我们使用Cookie和同类技术的具体情况。 

个人信息的委托处理、共享、转让、公开披露"

个人信息的委托处理。 为了向您提供与Stockbacking活动相关的服务，我们可能会委托Stockbacking合作伙伴（例如系统运维服务商、电信服务提供商、信息存储服务提供商）处理您的个人信息。 我们将遵守适用的法律法规，遵守适用的法律义务，并采取适当措施保护您个人信息的机密性和安全，包括要求第三方采取适当措施保护您个人信息的机密性和安全性。

共享个人信息。 我们在遵守合法、最低限度、目的明确的原则的前提下共享您的个人信息。 我们将采取有效的技术保护措施，确保您的个人信息安全。 我们将严格要求接收个人信息的合作伙伴履行个人信息保护的义务和责任。 您可以点击“关于共享个人信息的特别说明”查看我们共享您个人信息的具体情况。

个人信息的转移。 我们通常不会将您的个人信息转移给第三方。 根据法律法规和商业惯例，如果我们因合并、分立、解散、破产等需要转让个人信息的，我们会告知您接收方的姓名和联系方式，并请您继续。 受本声明约束，保持克制并承担相应的义务和责任。 若接收方改变原处理目的或方式，须按照法律法规规定重新征得您的同意。

个人信息的公开披露。 除非依法获得您的同意，我们不会公开披露您的个人信息。

根据相关法律法规的规定，以下情况我们可能会共享、转让、公开披露您的个人信息，而无需征得您的同意和/或单独同意：

•       我们有必要遵守我们的法律义务或法定职责；
•       对于签订和履行您作为一方的合同所必需的；
•       为应对突发公共卫生事件，或者保护自然人生命、健康、财产安全必要时；
•       依法在合理范围内处理您自行披露或他人合法披露的个人信息；
•       法律、行政法规规定的其他情形。

 个人信息的存储与跨境传输" 

个人信息的存储。我们在中华人民共和国境内运营过程中产生、收集、获得的个人信息，将存储在境外。除法律、行政法规另有规定外，我们仅会在为实现处理目的所必要的最短时间内存储您的个人信息。我们将根据以下标准确定个人信息的存储期限：我们为您提供Stockbacking活动相关服务的期限、我们所承担的法律义务或商业义务。超出前述存储期限后，我们将对您的个人信息进行删除或匿名化处理。

个人信息的跨境传输。STOCKBACKING WORLDWIDE PTE LIMITED作为Stockbacking活动的运营方，是一家注册于新加坡的私人有限公司。您向我们提供您的个人信息，或我们通过第三方收集您的个人信息，均属于跨境收集个人信息。您可以点击《关于个人信息跨境传输的特别说明》查阅个人信息跨境传输的具体情况。

我们将按照适用法律法规的要求向境外提供个人信息，履行个人信息跨境传输相关法定义务，确保您的个人信息安全和保障您的个人信息法定权益。

个人信息的保护"

我们非常重视您的个人信息安全，将努力采取合理的安全措施来保护您的个人信息，确保我们的个人信息处理活动符合法律法规的要求，并防止个人信息遭到未经授权的访问、公开披露、使用、修改、损坏或丢失。

如不幸发生个人信息安全事件，我们将按照法律法规的要求，及时将事件相关情况以书面方式告知您，或采取合理有效的方式发布公告。同时，我们还将依据法律法规的规定，上报个人信息安全事件处置情况。

您的权利"

根据中华人民共和国相关法律法规的规定，我们保障您对您的个人信息行使以下权利：

• 您有权查阅、复制您的个人信息，法律、行政法规另有规定的除外。
• 当您发现我们处理的关于您的个人信息有错误或您需要更新您的个人信息时，您有权进行更正、更新。
• 改变您授权同意的范围及取消授权。对于我们收集和使用您的个人信息，您可以随时给予或收回您的授权同意。授权取消后，我们将不再继续收集、处理、使用您相应的个人信息。但您取消授权的决定将不会影响此前我们基于授权对您个人信息进行的处理。
• 个人信息转移，如您请求将您的个人信息转移至您指定的个人信息处理者，且该等转移符合国家网信部门规定条件的，我们将提供转移的途径。
• 您有权要求我们对本说明进行解释说明。
• 在某些服务中，我们可能仅依据信息系统、算法等在内的非人工自动决策机制作出决定。如果这些决定显著影响您的合法权益，您有权要求我们作出解释，我们也将提供适当的救济方式。
•    如出现以下情形，您有权要求我们删除您的个人信息：

        1)处理目的已实现、无法实现或者为实现处理目的不再必要;

        2)我们停止提供相关服务，或者个人信息存储期限已届满；

        3)您撤回同意；

        4)我们违反法律、行政法规或者违反约定处理您的个人信息；

        5)法律、行政法规规定的其他情形。

法律、行政法规规定的保存期限未届满，或者删除个人信息从技术上难以实现的，我们会停止除存储和采取必要的安全保护措施之外的处理。

如您在行使前述个人信息法定权利时遇到问题或者您需要行使其他个人信息法定权利，请按本说明载明的联系方式联系我们。

为保障您的个人信息安全，在响应您的个人信息权利之前，您可能需要提供书面请求，或以其他方式证明您的身份，我们有权在验证您的身份之后再处理您的请求。如无特殊情况，我们将在30日内受理和处理您的请求。对于您的合理请求，我们原则上不收取费用。但对于多次重复、超出合理限度的请求，我们将视情况收取一定成本费用。对于无端重复、需要过多技术手段、给他人合法权益带来风险或非常不切实际的请求，我们有权予以拒绝。

如您对我们个人信息保护工作不满意或发现问题，可以通过本说明中载明的联系方式联系我们进行投诉、举报。如无特殊情况，我们将在30日内受理和处理您的投诉、举报。

对第三方的责任说明"

 请您注意，您的交易相对方、您访问的第三方网站经营者、通过我们接入的第三方服务和接收您个人信息的第三方可能有自己的个人信息保护政策；当您查看第三方创建的网页或使用第三方提供的服务时，我们将以适当的方式提醒您相关服务由第三方提供，建议您查看并了解其个人信息保护政策。如您发现这些第三方创建的网页或第三方提供的服务存在风险时，建议您终止相关操作以保护您的合法权益。 

 儿童个人信息保护" 

一般情况下，我们不会处理十四岁以下儿童（即儿童）的个人信息。 如果您未满十四周岁，希望参加Stockbacking活动，我们需要征得您的父母或其他监护人的同意，请通过本说明中注明的联系方式与我们联系，办理相关手续。 我们将根据中华人民共和国法律法规保护相关儿童信息。 儿童的父母或其他监护人可以按照本说明约定的方式行使权利。

 本说明的更新" 

根据国家法律法规及提供服务的需要，我们可能对本说明进行部分或全部修订。修改后的内容将通过包括但不限于推送通知、弹窗形式、公告等方式来通知您。特别的，对于重大变更内容，我们还会提供更为显著的通知。

本说明所指的重大变更包括但不限于：

• 我们的名称和联系信息;
• 我们的服务发生重大变化，如处理个人信息的目的和方式、处理的个人信息类型、个人信息的存储期限;
• 您行使合法权利的方法和程序;
• 法律、行政法规要求应当告知的其他事项。

隐私说明修订后，您有权选择是否继续授权我们收集、处理和使用您的个人信息。请您充分理解我们修改后的隐私说明并做出您认为适当的选择。若您不同意修改后的隐私说明，您有权并应立即停止使用我们的服务。

联系我们"

如果您对您的个人信息的处理有任何疑问、问题或建议，或希望行使您的任何权利，或对我们处理您的信息的方式不满意，请通过以下方式与我们联系：

•       电子邮件：privacy@stockbacking.com；
•       邮寄地址：Stockbacking Global Privacy Office, 388 Market Street, Suite 1300 San Francisco, CA, 94111 USA。

Política de tratamiento de la información personal en Stockbacking Inc.

1. Nota preliminar

El presente documento consagra las políticas de tratamiento de los datos personales de personas naturales en Stockbacking Inc, en cumplimiento de la Ley 1581 de 2012 “Por la cual se dictan disposiciones generales para la protección de datos personales” y sus decretos reglamentarios (o cualquier otra norma que reglamente, adicione, ejecute, complemente, modifique, suprima o derogue a la Ley 1581 de 2012).
 

2. Responsable del tratamiento

Stockbacking Inc. es responsable del Tratamiento de datos personales sobre los cuales decida de forma directa y autónoma.

Dirección: 388 Market Street, Suite 1300, San Francisco, CA 94111

Correo electrónico: privacy@Stockbacking.com
 

3. Tratamientos

Los datos personales son recolectados, almacenados, organizados, usados, circulados, transmitidos, transferidos, actualizados, rectificados, suprimidos, eliminados y en general gestionados de acuerdo y en proporción a la finalidad o finalidades que tenga cada tratamiento.
 

Tratamientos de datos personales de niñas, niños y/o adolescentes: 

El tratamiento de datos personales de niños, niñas y/o adolescentes que no sean de naturaleza pública cumplirá con los siguientes parámetros y requisitos en su tratamiento:

A) Que responda y respete el interés superior de los niños, niñas y adolescentes.

B) Que se asegure el respeto de sus derechos fundamentales.

C) Valoración de la opinión del menor cuando este cuente con la madurez, autonomía y capacidad para entender el asunto.

Cumplidos los anteriores requisitos, Stockbacking Inc. solicitará autorización para el tratamiento de datos al representante legal del niño, niña o adolescente.

Tratamiento de datos sensibles: 

Stockbacking Inc. aplicará las limitaciones legales al tratamiento de datos sensibles, por lo cual se asegurará que:

A) El Titular haya dado su autorización explícita a dicho tratamiento, salvo en los casos que por ley no sea requerido el otorgamiento de dicha autorización.

B) El Tratamiento sea necesario para salvaguardar el interés vital del titular y este se encuentre física o jurídicamente incapacitado. En estos eventos, los representantes legales deberán otorgar su autorización.

C) El Tratamiento sea efectuado en el curso de las actividades legítimas y con las debidas garantías por parte de una fundación, ONG, asociación o cualquier otro organismo sin ánimo de lucro, cuya finalidad sea política, filosófica, religiosa o sindical, siempre que se refieran exclusivamente a sus miembros o a las personas que mantengan contactos regulares por razón de su finalidad. En estos eventos, los datos no se podrán suministrar a terceros sin la autorización del titular.

D) El Tratamiento se refiera a datos que sean necesarios para el reconocimiento, ejercicio o defensa de un derecho en un proceso judicial.

E) El Tratamiento tenga una finalidad histórica, estadística o científica. En este evento Stockbacking Inc. adoptará las medidas conducentes a la supresión de identidad de los titulares.
 

4. Finalidades de los tratamientos

La información personal que es tratada en Stockbacking Inc. tiene las siguientes finalidades, según cada grupo de interés:
 

Trabajadores, contratistas prestadores de servicios, pensionados y/o beneficiarios:

Relacionamiento, comunicación, registro, acreditación, consolidación, organización, actualización, aseguramiento, procesamiento, investigación, capacitación, autorización, reporte, estadística, planeación, mejora, análisis, tramitación, auditaje, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan los trabajadores, pensionados y sus familiares y/o beneficiarios, y los contratistas prestadores de servicios con Stockbacking Inc.
 

Comunidad de áreas de influencia:

Relacionamiento, comunicación, desarrollo, registro, actualización, consolidación, acreditación, formalización, ejecución, difusión, aseguramiento, organización, tramitación, control, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan la comunidad específica o general con Stockbacking Inc.
 

Accionistas:

Comunicación, registro, consolidación, acreditación, organización, actualización, control, aseguramiento, atención, tramitación, defensa jurídica, y gestión de las actuaciones, informaciones, estrategias, y actividades en las cuales se relacionan o vinculan los accionistas con Stockbacking Inc.
 

Clientes:

Relacionamiento, comunicación, registro, acreditación, consolidación, organización, actualización, aseguramiento, atención, tramitación, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan los clientes con Stockbacking Inc.
 

Usuarios:

Relacionamiento, comunicación, registro, acreditación, consolidación, organización, actualización, aseguramiento, atención, tramitación, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan los usuarios en general con Stockbacking Inc.
 

Estado:

Relacionamiento, comunicación, interacción, colaboración, registro, acreditación, actualización, consolidación, organización, aseguramiento, atención, tramitación, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan los agentes, organismos o entidades del Estado con Stockbacking Inc.
 

Proveedores y sus trabajadores y contratistas:

Comunicación, registro, consolidación, organización, actualización, tramitación, control, acreditación, aseguramiento, auditaje, estadística, reporte, mantenimiento, interacción, asignación, defensa jurídica, y gestión de las actuaciones, informaciones y actividades en las cuales se relacionan o vinculan a los proveedores y sus trabajadores y contratistas con Stockbacking Inc.

5. Vigencia de las bases de datos

Las bases de datos tendrán una vigencia igual al periodo en que se mantenga la finalidad o finalidades del tratamiento en cada base de datos, o el periodo de vigencia que señale una causa legal, contractual o jurisprudencial de manera específica.
 

6. Derechos de los titulares

A) Conocer, actualizar y rectificar sus datos personales frente a los Responsables del Tratamiento o Encargados del Tratamiento. Este derecho se podrá ejercer, entre otros frente a datos parciales, inexactos, incompletos, fraccionados, que induzcan a error, o aquellos cuyo Tratamiento esté expresamente prohibido o no haya sido autorizado en los términos de la Ley 1581 de 2012 (o en su defecto con las normas que la reglamenten, adicionen, ejecuten, complementen, modifiquen, supriman o deroguen).

B) Solicitar prueba de la autorización otorgada al Responsable del Tratamiento salvo cuando expresamente se exceptúe como requisito para el Tratamiento, de conformidad con lo previsto en el artículo 10 de la Ley 1581 de 2012 (o en su defecto con las normas que la reglamenten, adicionen, ejecuten, complementen, modifiquen, supriman o deroguen) o cuando se haya presentado la continuidad del tratamiento acorde con el artículo 10 numeral 4° del Decreto 1377 de 2013.

C) Ser informado por el Responsable del Tratamiento o el Encargado del Tratamiento, previa solicitud, respecto del uso que le ha dado a sus datos personales.

D) Presentar ante la Autoridad de Protección de Datos Personales de Colombia quejas por infracciones a lo dispuesto en la Ley 1581 de 2012 (o en su defecto con las normas que la reglamenten, adicionen, ejecuten, complementen, modifiquen, supriman o deroguen).

E) Revocar la autorización y/o solicitar la supresión del dato cuando en el Tratamiento no se respeten los principios, derechos y garantías constitucionales y legales. La revocatoria y/o supresión procederá cuando la Autoridad de Protección de Datos Personales de Colombia haya determinado que en el Tratamiento el Responsable o Encargado han incurrido en conductas contrarias a la Ley 1581 de 2012 (o en su defecto con las normas que la reglamenten, adicionen, ejecuten, complementen, modifiquen, supriman o deroguen) y/o a la Constitución.

La solicitud de supresión de la información y la revocatoria de la autorización no procederán cuando el Titular tenga un deber legal o contractual de permanecer en la base de datos o el responsable tenga el deber legal o contractual de continuar con el tratamiento.

F) Acceder en forma gratuita a sus datos personales que hayan sido objeto de Tratamiento. El titular puede consultar de forma gratuita sus datos personales: (i) al menos una vez cada mes calendario, y (ii) cada vez que existan modificaciones sustanciales de las directrices de tratamiento de la información que lo motiven a hacer nuevas consultas.
 

7. Autorización

Exceptuando los casos definidos en la Ley 1581 de 2012 (o en su defecto con las normas que la reglamenten, adicionen, ejecuten, complementen, modifiquen, supriman o deroguen), en los casos en que se requiera contar con la autorización previa del titular la solicitará a más tardar al momento de la captura de la información. La autorización deberá ser expresa e informada en el sentido de incluir las finalidades específicas del tratamiento para las cuales se obtiene el consentimiento, y obtenida por cualquier medio que pueda ser objeto de consulta posterior.
 

8. Área Competente y Procedimientos para que cada titular, acorde con el grupo de interés al que pertenezca, ejerza sus derechos

El titular puede ejercer sus derechos por medio del correo electrónico privacy@Stockbacking.com o por correo físico 388 Market Street, Suite 1300, San Francisco, CA 94111.
 

9. Vigencia

Las presentes directrices de tratamiento de la información personal rigen desde el 25 de julio de 2013.

Important information: European Economic Area (EEA), United Kingdom (UK) and Switzerland

Stockbacking is providing this supplemental privacy notice to give individuals in the European Economic Area (EEA), the United Kingdom (UK) and Switzerland the additional information required by the EU General Data Protection Regulation and the UK and Swiss equivalents. These provisions, which should be read together with the statements in the Stockbacking Global Privacy Notice explain our practices with regard to data privacy in the EEA, UK and Switzerland.

1. Information about Stockbacking

This information is being provided by Stockbacking Inc. for itself:

Stockbacking Inc.
388 Market Street, Suite 1300
San Francisco, CA 94111
USA

and its affiliates, including:

Stockbacking Europe Limited
8 St James's Square
London, SW1Y 4JU,

United Kingdom
Registration Number: 00000000  

You can contact the Stockbacking Global Privacy Office within the EEA, UK, or Switzerland by emailing privacy@Stockbacking.comor writing to us at:

Global Privacy Office
Stockbacking Europe Limited
8 St James's Square
London, SW1Y 4JU

United Kingdom

2. The Purposes and Legal Basis for Processing, including Legitimate Interests. 

The Stockbacking Global Privacy Notice explains the reasons why we process your Personal Information (as defined in the Global Privacy Notice). We only process Personal Information when we have a legal basis for the processing, as follows:

· To fulfil a contract with you, or as needed to fulfil a contract between you and a merchant or between you and the financial institution or other entity that issued your card, where Stockbacking is providing payment services or acting as a data processor,

· For closely related purposes, such as payment processing and financial account management, contract management, website administration, business continuity and disaster recovery, security and fraud prevention, corporate governance, reporting and legal compliance,

· With your consent (or provided you have not objected, or opted-out, as may be appropriate under applicable law), to provide you with marketing communications, or,

· To comply with the laws that are applicable to us around the world.

We may also process your Personal Information for the purposes of our own legitimate interests or for the legitimate interests of others if processing does not and shall not outweigh your rights and freedoms. We will process your Personal Information as needed to:

· Protect you, us or others from threats (such as security threats or fraud),

· Enable or administer our business, such as for quality control, consolidated reporting, and customer service,

· Manage corporate transactions, such as mergers or acquisitions, and

· Understand and improve our business or customer relationships generally. 

3. Automated Decision-Making and Profiling 

We use profiling and analytics to understand how individuals use their Stockbacking cards and other products, for product development purposes and business intelligence purposes. These analytics help us understand and improve our products and better serve our clients and consumers. We also use analytics for security and anti-fraud purposes, such as to identify the unauthorized use of Stockbacking cards.

We will not make automated decisions about you that may significantly affect you, unless (1) the decision is necessary as part of a contract that we have with you, (2) we have your explicit consent, or (3) we are required by law to use the technology.

4. When You are Required to Provide Personal Information to Stockbacking

You are not required by law to provide any Personal Information to Stockbacking. For example, you always decide whether to participate in Stockbacking promotions or to use Stockbacking services. You are required to provide certain Personal Information to enable us to enter into a contract with you so that you can use our products and services or participate in promotions. Our registration forms indicate which data elements are required for our contracts.

When Stockbacking provides payment processing services or acts as a data processor, we receive your Personal Information from third parties as needed to provide services or operate the Stockbacking network.

5. Your Rights

You have choices about how Stockbacking uses your Personal Information. You always have the right to object to our marketing communications. You can also object to having your Personal Information used to create anonymised and aggregated marketing reports. To exercise these choices and other choices, please visit the page Your Privacy choices.

Stockbacking also respects the rights of EEA residents to access, correct and request erasure or restriction of their Personal Information as required by law. Where Stockbacking is a data controller, this means:

• You generally have a right to know if Stockbacking is storing your Personal Information. If we are, you have the right to request that we provide you with a copy of that Personal Information, or in some cases, provide the information to      another data controller. If your information is incorrect or incomplete, you have the right to ask us to update it.
• You have the right to object to our processing of your Personal Information.
• You may also ask us to delete or restrict your Personal Information. If we are      processing your Personal Information based on your consent, you have the      right to withdraw your consent at any time.
• To exercise these rights, please contact us via email to privacy@Stockbacking.com or write to the Global Privacy Office at the address above and a member of our Privacy Team will assist you. Please understand that we may need to verify your identity before we can process your request.

If Stockbacking is processing your Personal Information as a data processor, we will refer you to our client (such as to your Stockbacking card issuer) for assistance with these requests.  Stockbacking supports its clients in responding to requests as required by law.

Where Stockbacking is jointly responsible for the protection of your personal information with its clients or merchants, the parties have entered into an arrangement to determine their respective responsibilities under the GDPR. This concerns in particular the exercise of your rights and the obligation to provide you with information on the processing of your personal information. Under this arrangement, your Stockbacking card issuer or the merchant with whom you are transacting, as applicable, is responsible for providing you with information about the processing and acts as the contact point for your queries and GDPR requests. Please check the privacy notices provided by your issuer or merchant and contact them directly if you wish to learn more about such arrangements or for assistance with any privacy requests.

If you believe that we have processed your Personal Information in violation of applicable law, you may also file a complaint with the Stockbacking Data Protection Officer, who can be reached by contacting the Stockbacking Global Privacy Office, or with a supervisory authority.

6. International transfers

As noted in the Stockbacking Global Privacy Notice, your Personal Information may be transferred to, stored at or processed in the United States, Singapore, Australia, the UK and other countries that may not have equivalent privacy or data protection laws.

We generally use approved Standard Contractual Clauses to ensure that Personal Information is adequately protected when it is transferred out of the EEA, the UK, or Switzerland to countries without an adequate level of data protection, but we may also make transfers to recipients with approved binding corporate rules.

Stockbacking will assure that any transfer of Personal Information between the EEA, Switzerland and/or the UK continues to be safeguarded as described in this section and in accordance with applicable data protection laws.

Please contact us via email to privacy@Stockbacking.comif you would like more information about cross-border transfers or to obtain a copy of the Standard Contractual Clauses.

7. Data Retention

We will retain your Personal Information for as long as the information is needed for the purposes set forth above and for any additional period that may be required or permitted by law. The length of time your Personal Information is retained depends on the purpose(s) for which it was collected, how it’s used, and the requirements to comply with applicable laws. You may request that we delete your Personal Information by contacting us via email to privacy@Stockbacking.com or writing to the Global Privacy Office at the address above. If we do not have a legal basis for retaining your information, we will delete it as required by applicable law.

個人情報保護指針

更新日: 2022 年 4 月 1 日

ストックバックイン・ワールドワイド・ジャパン株式会社およびストックバックイン・ワールドワイド・プライベート・リミテッド

これらのガイドラインは、個人情報保護法 (2003 年法律第 57 号) が Stockbacking Global Privacy Notice とともに当社が収集する個人情報に適用される範囲で、Stockbacking の Web サイトに適用されます。 当社のソーシャル メディア ページまたはアプリケーション (「プラットフォーム」)、および他の方法またはソースから収集した個人情報。 ただし、製品、サービス、ウェブサイト、プラットフォーム、プロモーション、イベントなどの場合は、

個人情報の収集"

 当社は、当社の業務遂行に必要な範囲のみにおいて、適法かつ適正な方法によって個人情報を収集します。  

個人情報の利用目的"

Stockbacking のグローバル プライバシー通知の規定に加えて、当社は以下の目的で個人情報を収集、使用、処理、保存します。

1. アンケート、ポイントプログラム、キャンペーン、コンテスト、イベント（以下「キャンペーン等」といいます。）の実施、管理、運営のため。

2. 当社の商品やサービスの宣伝・運営、各種メディアを活用した広報活動・マーケティング活動等。

3. 商品の在庫補充に関するサービス。 のために

4. Stockbacking 製品およびサービスに関連して、発行者および商業契約会社と連絡を取り、管理します。

5. 各種お問い合わせやご要望への対応、ご質問への回答、当社からのご連絡、運営管理情報（規約・ポリシーの変更等）の送付のため

6. 当社の法的権利を行使するため、または当社の義務を遵守するため。

7. 求職者から提供された情報を人材選考に活用してください。

8. その他の業務を実行するため（別途同意した場合）

個人データの共同利用"

当社は、以下の場合に必要な範囲でお客様の個人データを共同利用させていただきます。 いずれにせよ、Stockbacking Inc.、388 Market Street。 Suite 1300, San Francisco, CA, 94111 USA、代表者: Fermin Gonzalez Guerrero が当該個人データの管理責任を負います。

1. 当社は、国内および海外の関連会社（Stockbacking Inc. およびその直接または間接の子会社、Stockbacking International Service Association、Stockbacking USA を含みますがこれらに限定されません）との間で、Stockbacking Global Privacy Notice および上記 2. 名前が使用される場合お客様の氏名、生年月日、住所、電話番号、お取引情報、お問い合わせ内容、メールアドレス、SNSアカウント等 に指定された目的のため

2. お客様からのお問い合わせへの回答やお客様との連絡のため、お客様の氏名、生年月日、住所、電話番号、パスポート番号等の暗証番号を併用する場合、お取引情報、お問い合わせ内容、電子メールアドレス等。

3. お客様が保有するStockbacking商品の発行会社、その関連会社、ご利用の加盟店及び加盟店の契約会社（以下「発行会社等」といいます）と連携し、分析、モデリング、調査を行います。 、など。 お客様のカード番号、取引情報、属性情報等を利用する場合。 発行会社等と連携して コンサルティングサービス等の実施・提供に必要かつ適切な範囲内。

4. 上記2. キャンペーン等を実施するため。 (1)に定めるとおり、キャンペーン等に係る法令の遵守やキャンペーン等の結果分析のため、キャンペーン対象者の氏名及びカード番号は、必要かつ適切な措置に利用させていただきます。お取引情報、生年月日、住所、電話番号、メールアドレス、SNSアカウント等 発行会社などと連携して利用されます。 またはキャンペーンパートナーなど

個人データの提供"

当社は、以下の場合に必要な範囲内でお客さまの個人データを提供または預託します。

1. 上記２.に定める利用目的のために、業務委託先（日本国内外の業務委託先を含みます。）に対し、個人データの取扱いを含む業務を委託する場合

2. お客さまの依頼に基づくStockbackingプロダクトの関連サービスの提供のため、お客さまのご依頼・同意に基づきサービス提供会社（ホテル、レストラン、旅行代理店等）に対し個人データを提供する場合

3. 法律上の義務に従うため、または当社に送達された令状に従うのに必要な場合

4. Stockbackingまたはその利用者の法的権利や財産を保護したり擁護するのに必要な場合

5. 違法行為、詐欺が疑われる行為、個人の身体的安全を脅かす可能性のある状況について調査したり、防止を図ったり、措置を講じたりするのに必要な場合

6. その他、お客さまに別途ご同意いただいた場合

 本指針への同意" 

お客さまには、StockbackingのWebサイトその他のプラットフォームにおいて個人情報を提供する際にStockbackingグローバルプライバシー通知および本指針の条件に同意いただきます。未成年者のお客さまが個人情報を提供される場合には、必ず親権者の同意を得ていただくことを前提とします。

本指針は、StockbackingがStockbackingのWebサイトその他のプラットフォーム上で収集する情報および当社がその他の方法または情報源から収集する情報に適用されます。

当社は本指針をいつでも変更する権利を留保します。Stockbackingがそのような変更をお客さまに直接お知らせした後や、一般のお客さまに向けてStockbackingのWebサイトその他のプラットフォーム上に掲示した後も個人情報の提供を継続されますと、法令上許容される限りにおいて、お客さまはそれらの変更に同意されたことになります

 情報開示等" 

お客さまからお問い合わせを頂いた場合には、当社は皆様の保有個人データの利用目的の通知、保有個人データ若しくは第三者提供記録の開示、保有個人データの訂正等、利用停止等又は第三者提供の停止にかかる手続について、お客さまにご案内いたします。お送りしたeメールまたはStockbackingのWebサイト上に記載されている手順に従うか、ご要望を書かれた返信メールをお送りいただければ、個人情報保護法の規定に従い対応いたします。

 本指針の変更" 

 当社は随時、最新の個人情報保護指針を掲載することにより本指針を変更することができます。 

 適用関係" 

本指針はStockbackingグローバルプライバシー通知と併せて適用されますが、内容が矛盾抵触する場合においては、個人情報保護法の該当する範囲に限り本指針が優先し、その他はStockbackingグローバルプライバシー通知の内容が適用されるものとします。

 お問い合わせ" 

個人情報の取り扱い等について当社にご要望、ご質問またはお問い合わせがありましたら、下記の方法でご遠慮なくお知らせください。いずれの場合も、カード番号、口座番号などの機密情報は含めないでください。

• Eメール：privacy@Stockbacking.com
   
• 郵送先：
      Stockbacking Global Privacy Office
      388 Market Street, Suite 1300.
      San Francisco, CA, 94111
      USA

重要事先通知：台灣

本文件中未定義的大寫詞彙與全球隱私權事先通知中所定義的詞彙具有相同涵義。 

個人資料的其他選擇

除了全球隱私權事先通知中所列出的「你的選擇 ("Your Choices")」部分外，你也可以要求我們提供有關你的個人資料的副本，及/或要求我們停止收集、處理或使用你的個人資料。

你的個人資料會在何時使用

你的個人資料可能會被使用於下列最長的使用期：(a) 當有收集個人資料目的之期間；(b) 適用法律及法規（例如《台灣企業會計法》）規定的強制性個人資料的保存期；(c) 維持 Stockbacking 業務運作所需的保存期；(d) 相關合同或協議契約的保存期。

你的個人資料會在哪裡被使用

你的個人資料可能會在全球隱私權事先通知中所述的授權人之所在領域或地區中使用。

同意收集、處理及使用你的個人資料

你已收到事先通知，而且完全暸解上述內容和全球隱私權事先通知的內容，並同意 Stockbacking 可根據這些內容收集、處理、使用及在國際間傳輸你的個人資料。

Önemli bilgiler: Türkiye

Stockbacking, bu ek gizlilik bildirimini, Türkiye’deki bireylere Kişisel Verilerin Korunması hakkındaki 6698 sayılı Yasa (Veri Koruma Yasası) ile öngörülen ek bilgileri vermek için sağlamaktadır. Stockbacking Küresel Gizlilik Bildirimi  içerisinde yer alan beyanlar ile birlikte okunması gereken bu hükümler, Türkiye’deki veri gizliliğine ilişkin uygulamalarımızı açıklamaktadırlar. 

Stockbacking Hakkında Bilgi

Bu bilgiler, Stockbacking Inc. tarafından kendisi için sağlanmaktadır:

Stockbacking Inc.
388 Market Street, Suite 1300,
San Francisco, CA 94111
ABD 

ve aşağıdakiler dahil olmak üzere, iştirakleri:

Stockbacking Europe Limited 

8 St James's Square 

London, SW1Y 4JU, 

United Kingdom

Sicil Numarası: 00000000

Stockbacking Europe Services LLC
1000 North West Street
Wilmington, DE 19801
ABD

Türkiye’deki Stockbacking Global Gizlilik Ofisine  privacy@Stockbacking.com  adresinden e-posta ile veya aşağıdaki adresten postayla ulaşabilirsiniz:

Global Gizlilik Ofisi
Stockbacking Europe Limited
8 St Jame’s Square 

London, SW1Y 4JU
Birleşik Krallık

Ayrıca, bize aşağıdaki adresten yazarak Türkiye’deki Stockbacking veri kontrol sorumlusunun temsilcisi ile de iletişime geçebilirsiniz:

İlay Yılmaz
Ebulula Mardin Cad., Gül Sok. No. 2
Maya Park Tower 2, Akatlar-Beşiktaş 34335 İstanbul Türkiye
ilay.yilmaz@esin.av.tr

İşleme Amaçları ve Yasal Dayanağı

Stockbacking Global Gizlilik Bildirimi, Kişisel Bilgilerinizi (Global Gizlilik Bildiriminde tanımlandığı şekliyle) hangi amaçlarla işlediğimizi açıklamaktadır. Kişisel Bilgileri, yalnızca aşağıdakiler dahil yasal bir gerekçemiz olduğunda işliyoruz: 

• Sizinle aramızda bir sözleşme yapmak veya ifa etmek veya Stockbacking’nın ödem hizmetleri sunduğu veya veri işleyici görevi gördüğü durumlarda sizinle      bir iş yeri, finans kurumu veya kartınızı çıkaran diğer bir kurum arasındaki bir sözleşmeyi ifa etmek,
• Ödeme işleme ve finansal hesap yönetimi, sözleşme yönetimi, web sitesi yönetimi, iş devamlılığı ve afetle mücadele, güvenlik ve sahtekârlığın önlenmesi,      kurumsal yönetişim, raporlama ve yasal uyum gibi yakından ilişkili      nedenlerle,
• Onayınızla, örneğin, size pazarlama iletişimleri sağlamak veya
• Dünya çapında bizim için geçerli kanunlara uymak.

Ayrıca, Kişisel Bilgilerinizi, kişisel hak ve özgürlüklerinize halel getirmediği sürece, kendi meşru çıkarlarımız veya başkalarının meşru çıkarları için de işleyebiliriz. Kişisel Bilgilerinizi, özellikle aşağıdakiler için gerekli olduğunda işleyeceğiz:

• Sizi, kendimizi veya başkalarını tehditlerden (güvenlik tehditleri veya      sahtekarlık gibi) korumak
• Kalite kontrol, konsolide raporlama veya müşteri hizmetleri gibi işlerimizi      gerçekleştirmek veya yönetmek
• Birleşme ve satın almalar gibi kurumsal işlemleri yönetmek ve
• Genel olarak iş veya müşteri ilişkilerimizi anlamak ve iyileştirmek.

Otomatik Karar Verme ve Profil Oluşturma

Profil oluşturma ve analiz araçlarını, ürün geliştirme ve iş istihbaratı amacıyla bireylerin Stockbacking kartlarını ve diğer ürünleri nasıl kullandığını anlamak için kullanıyoruz. Bu analizler, ürünlerimizi anlamamızı ve iyileştirmemizi ve müşteri ve tüketicilerimize daha iyi hizmet etmemizi sağlıyor. Analizleri ayrıca, Stockbacking kartlarının yetkisiz kullanımını tespit etmek gibi güvenliği sağlama ve sahtekarlığı önleme amaçlarıyla da kullanıyoruz.

(1) Söz konusu kararın sizinle aramızdaki bir sözleşme kapsamında gerekli olmadığı, (2) açık onayınızın olmadığı veya (3) yasal olarak bu teknolojiyi kullanmak zorunda olmadığımız durumlarda sizi ciddi şekilde etkileyebilecek kararları otomatik olarak vermeyeceğiz.

Stockbacking’ya Ne Zaman Kişisel Bilgi Sağlamanız Gerekiyor

Yasal olarak Stockbacking’ya hiçbir Kişisel Bilgi Sağlamak zorunda değilsiniz. Örneğin, Stockbacking promosyonlarına katılıp katılmama veya Stockbacking hizmetlerini kullanıp kullanmama kararı her zaman size aittir. Ürün ve hizmetlerimizi kullanabilmek veya promosyonlara katılabilmek için sizinle bir sözleşme yapmamızı sağlamak için belirli Kişisel Bilgileri sağlamanız gerekmektedir. Kayıt formlarımız, hangi veri öğelerinin sözleşmelerimiz için gerekli olduğunu belirtmektedir.

Stockbacking ödeme işleme hizmetleri sunduğunda veya veri işleyici görevi gördüğünde, hizmetleri sağlamak veya Stockbacking ağını işletmek için gereken Kişisel Bilgilerinizi üçüncü taraflardan alırız.

Haklarınız

Stockbacking’nın Kişisel Bilgilerinizi kullanma şekline ilişkin seçeneklere sahipsiniz. Her zaman pazarlama iletişimlerimize itiraz etme hakkınız vardır. Ayrıca, Kişisel Bilgilerinizin anonim ve toplu pazarlama raporları için kullanılmasına da itiraz edebilirsiniz. Bu seçenekleri ve diğer seçenekleri kullanmak için, lütfen Gizlilik seçeneklerinizbaşlıklı sayfayı ziyaret edin. Kişisel Bilgilerinizi, yasa veya sözleşme gereği verileri koruma ve talimatlarımıza uygun olarak kullanma yükümlülükleri bulunan hizmet sağlayıcılarımızla paylaşabiliriz.

Stockbacking, ayrıca yasa ile öngörüldüğü şekilde Kişisel Bilgilerine ilişkin olarak Türkiye’de ikamet edenlerin haklarına saygı duymaktadır. Veriler Stockbacking’nın kontrolünde olduğunda, bu şu anlama gelir:

• Genel olarak Stockbacking’nın Kişisel Bilgilerinizi saklayıp saklamadığını bilme      hakkına sahipsiniz. Stockbacking bilgilerinizi saklıyorsa işleme amaçları,      bilgilerinizin söz konusu amaca uygun olarak kullanılıp kullanılmadığı ve      Kişisel Bilgilerinizin aktarıldığı, ülkenizde veya ülkeniz dışında bulunan      üçüncü taraflar dahil olmak üzere söz konusu işleme ile ilgili bilgi talep etme hakkına sahipsiniz.
• Verileriniz hatalı veya eksikse, bilgileri güncellememizi talep etme hakkına      sahipsiniz.
• Ayrıca bizden Kişisel Bilgilerinizi silmemizi de isteyebilirsiniz. Eğer Kişisel      Bilgilerinizi onayınıza bağlı olarak işliyor isek, istediğiniz herhangi bir zamanda onayınızı geri çekme hakkına sahipsiniz.
• Sizi olumsuz olarak etkilemesi halinde yalnızca otomatik araçlarla Kişisel Bilgilerinizin analiz edilmesi neticesinde ortaya çıkan sonuçlara itiraz etme hakkınız vardır.

Bu hakları ifa etmek için lütfen privacy@Stockbacking.com adresine bir e-posta gönderin veya yukarıdaki adresten Veri Kontrol Sorumlusuna yazın; Gizlilik Ekibimizin bir üyesi size yardımcı olacaktır. Lütfen isteğinizi işleme almadan önce kimliğinizi doğrulamamız gerekebileceğini unutmayın.

Stockbacking, Kişisel Bilgilerinizi bir veri işleyici olarak işliyorsa, bu taleplerinizde yardımcı olması için sizi müşterimize (örneğin Stockbacking kartınızı çıkaran kurum) yönlendireceğiz. Stockbacking, müşterilerinin taleplere yanıt vermesine kanunların gerekli gördüğü şekilde destek vermektedir.

Kişisel Bilgilerinizi yürürlükteki yasaları ihlal edecek şekilde işlediğimize inanıyorsanız, Stockbacking Global Gizlilik Ofisiyle iletişim kurarak ulaşabileceğiniz Stockbacking Veri Koruma Sorumlusuna şikayette bulunabilirsiniz. Bundan başka, Türkiye Kişisel Verileri Koruma Kurumuna (KVKK) bir şikayet başvurusunda bulunabilirsiniz.

Veri Saklama

Kişisel Bilgilerinizi, yukarıda listelenen amaçlar için gerekli olduğu süre ve yasa tarafından izin verilen veya zorunlu kılınan ek süreler boyunca saklıyoruz. Kişisel Bilgilerinizin saklanma süresi, toplanma amacına, nasıl kullanıldığına ve geçerli kanunlara uyum gereksinimlerine bağlı olarak değişebilir. Stockbacking Global Gizlilik Ofisine privacy@Stockbacking.com adresinden e-posta veya yukarıdaki adresten postayla ulaşarak Kişisel Bilgilerinizi silmemizi talep edebilirsiniz. Bilgilerinizi saklamak için yasal bir gerekçemiz yoksa, geçerli yasaların gerekli gördüğü şekilde sileriz. 

Your Privacy Rights

Effective date: March 3, 2023

California Supplementary Notice 

This supplemental privacy notice only applies to residents of California whose information is processed pursuant to the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”).

At Stockbacking, we are committed to safeguarding the privacy and security of all the Personal Information that is entrusted to us. Stockbacking has a Global Privacy Program to help ensure your information is handled properly, and your Personal Information is protected. It also reflects the requirements of the privacy laws in all the countries and states where Stockbacking operates.

In the United States, payment transaction and other information Stockbacking processes in connection with operating its electronic payments networks often is regulated by existing federal financial privacy laws. The CCPA recognizes that, where such financial information is already protected by federal privacy law, the CCPA does not apply to this information. Stockbacking’s privacy program reflects the sensitivity of the financial and other information we handle. If you have questions about how we handle your data, please review the Stockbacking Global Privacy Notice. 

Stockbacking also processes certain information that is subject to the CCPA. The CCPA may apply (1) to our marketing data, which we collect when consumers sign up for marketing from Stockbacking, attend Stockbacking-sponsored events, participate in surveys, or interact with our websites and apps, and (2) to information collected from individuals who use our click-to-pay services. This supplemental privacy notice explains our practices for this CCPA-covered information.

For information that Stockbacking collects subject to the CCPA, the Stockbacking Global Privacy Notice describes the categories of Personal Information that we may have collected or disclosed for business purposes in the past 12 months, the sources of the Personal Information, the business or commercial purposes for which we use or disclose the information, and the categories of third parties to whom we disclose the information for business purposes.  

Stockbacking retains the Personal Information it has collected as long as the information is needed for the purposes set for in the Stockbacking Global Privacy Notice and this California supplement, and for any additional period that may be required or permitted by law. The length of time your Personal Information is retained depends on the purpose(s) for which it was collected, how it is used, and the requirements to comply with applicable laws.

The CCPA provides California residents with specific privacy rights, including the right to correct inaccurate Personal Information, delete Personal Information, and access Personal Information, including in a portable format. The CCPA also gives California residents the right to opt-out of having their Personal Information sold or shared¹, as well as the right to limit the use and disclosure of their sensitive Personal Information. Finally, the law gives California residents the right not to receive discriminatory treatment for the exercise of any of these privacy rights.

¹ Personal Information of children under 16 cannot be sold or shared without affirmative consent. Stockbacking does not knowingly sell or share children’s information.

The right to opt out of sale of Personal Information 

If you are a California resident, the CCPA provides you with the right to opt out of the “sale” of your Personal Information. Stockbacking does not sell Personal Information for money, although our websites and applications may use cookies or similar technologies as described below. Our Global Privacy Notice describes how we disclose information to third parties, such as when we process payments, provide services to your card issuer, prevent fraud, or otherwise share information with your consent. 

The right to opt out of sharing of Personal Information 

If you are a California resident, the CCPA provides you with the right to opt out of the “sharing” of your Personal Information. The CCPA defines “sharing” to include certain sharing of your Personal Information for purposes of serving you advertisements that are relevant to you based on your activity across our services and other sites (“cross-contextual behavioral advertising”). 

Like many companies, we use services that help deliver interest-based ads to you, and our websites and applications may use cookies or similar technologies that allow advertising partners to collect your Personal Information for their use. On most Stockbacking websites, Stockbacking only permits advertising partners to collect your Personal 

Information in this manner with your consent. To request to opt-in (or to change your mind after opting-in), you may adjust your preferences by accessing the Cookie Preferences link at the bottom of the Stockbacking website you are interacting with.

Please note that some transfers of your Personal Information may not be considered “sharing,” and certain exemptions may apply under the CCPA. Your choices do not affect other disclosures of your information, as outlined in our Global Privacy Notice, such as when we process payments, provide services to your card issuer, or prevent fraud.

The Right to limit use of sensitive Personal Information 

In the United States, the payment transaction and certain other information that Stockbacking collects when it operates its payment networks is regulated by existing federal financial privacy laws. Any sensitive Personal Information subject to the CCPA is only processed for permitted purposes under the CCPA for which you do not have a right to limit.

Access, correction, and deletion rights

If you are a California resident, you may exercise your rights or authorize another person to act on your behalf by:

· Visiting our Privacy Rights Page

· Email us: privacy@Stockbacking.com
Please do not include sensitive information, such as your account number, in emails.

· Mailing us a letter:
Stockbacking Global Privacy Office
388 Market Street, Suite 1300
San Francisco, CA, 94111

Please note that we will need to verify your identity before we can fulfill your CCPA-related request. Because the information that we maintain that is subject to CCPA generally consists of marketing information, we will generally verify your identity using your email address. Where possible, we will respond to requests using the email address that is associated with the information we maintain.

If you would like to designate an agent, please send an email from your own email address to privacy@Stockbacking.com indicating the name and email address of your agent. We will respond to that’s person’s requests using both your email address and the agent’s email address.

Please understand that your rights are subject to some limitations, such as:

· For security reasons and to prevent unauthorized disclosure of Personal Information, cardholders should contact their payment card issuers to access their information. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuer’s verification processes.

· The CCPA contemplates that service providers should refer access and deletion requests to the companies with whom the individual has the direct relationship. In many cases, we act as a service provider for card issuers and merchants, including rewards networks. If you have questions about how your issuer or a rewards network handles your Personal Information, please check the privacy notices provided by these companies and contact them directly for assistance with your relevant privacy requests.

· The CCPA also prohibits companies from including certain elements of sensitive 

Personal Information, such as payment card number, in their access reports, even if you have provided those data elements to use for marketing.

· If you request that we delete your Personal Information, we will do so except in those situations where our retention is permitted by the CCPA (such as for fraud prevention or legal compliance, or where reasonably necessary to provide the services requested by the consumer or for our internal business purposes). In these situations, we will retain your information in accordance with our records retention program and securely delete it at the end of the retention period.

If you have any other questions or requests, please contact us at privacy@Stockbacking.com.

Financial Incentives

Stockbacking provides loyalty and other similar promotional programs in order to reward and thank loyal customers for using the Stockbacking payment network and other Stockbacking services. You can opt into these programs through the mechanisms described when they are offered to you, such as via email. Stockbacking collects and uses Personal Information, such as Contact Information, in order to provide these programs. Stockbacking does not assign monetary value for the information we collect through these programs when sending email communications. Based on our reasonable and good faith estimate, we receive value from these programs in increased loyalty and purchases.

You may opt-out of receiving commercial email communications at any time by clicking the “unsubscribe” link included within any commercial email we send you.

You also can opt-out of loyalty and similar programs at any time by using the mechanisms described to you in relevant program terms and conditions. We will not discriminate against you if you exercise your rights under CCPA. However, if you ask us to delete your information, you will not be able to receive additional offers or promotions for which the deleted information was needed for program participation. Where possible, offers or promotions sent to you previously will continue to be honored according to their original terms.

Additional Disclosures for Large Business

The CCPA requires certain businesses to compile and disclose information each year regarding their compliance with the CCPA for the previous twelve-month period. Stockbacking has elected to provide these reports annually for the preceding calendar year 2022.

CCPA Reporting Requirements / Totals:

Average Number of Days for Stockbacking to Respond to Verifiable Requests / 0

Number of Do Not Sell Requests Granted in Fulfilled*** / 0

Number of Do Not Sell Requests Received / 0

Number of Requests to Delete Denied** / 0

Number of Requests to Delete Fulfilled / 0

Number of Requests to Delete Received / 0

Number of Requests to Know Denied / 0

Number of Requests to Know Fulfilled / 0

Number of Requests to Know Received / 0

Number of Unverified Request Received* / 0

Total CCPA Requests Received / 0

Verifiable CCPA Requests Received from Consumers by Category / 0

• * Requests which could not be validated due to insufficient location information or individuals failing to verify their identity in the OneTrust tool. These requests are not included in the totals above.
• ** Data retained in accordance with CCPA.
• *** Stockbacking does not sell Personal Information for money, although our websites and applications may use cookies or similar technologies.