Privacy Policy

This notice was updated on 24 April 2025.

Https://ccoin/ is operated and managed by Ccoin Finance Corporate Structure CO., LTD, a company from LAO PDR, with its registered office located at Phon Kham Village, Sikottabong District, Vientiane.

While Https://ccoin/ functions as a technology integrator specializing in financial technology solutions, the financial services available through the platform are provided by Joint Development Bank (JDB), a licensed financial institution based in Lao PDR. These services are facilitated through JDB's appointed agent, OMNI SOLUTIONS CO., LTD, a company duly registered in Laos with registration number 472667112-000. OMNI SOLUTIONS CO., LTD is located at 5 Phonkham, Sikottabong District, Vientiane, Lao PDR.

What is this document about?

We’re committed to protecting and respecting your privacy.

We will:

  • always keep your personal data safe and private
  • never sell your personal data
  • allow you to manage and review your marketing choices at any time
  1. About us

The CCoin company providing you with a product or service will be responsible for processing your personal data for that product or service. This CCoin company is known as the ‘controller’ of your personal data.

  1. Why do I need to read this notice?

We collect your personal data when you use:

  • our website at https://ccoin./
  • the CCoin app
  • any of the services available to you through the CCoin app or website

When we say ‘personal data’, we mean information which:

  • we know about you (for example, we know when you use your CCoin card to pay for things)
  • can be used to personally identify you (for example, a combination of your name and postal address)

This notice explains what information we collect, how we use it, and your rights over your personal data.

Sometimes, we may also provide you with ‘just in time’ privacy explanations in the CCoin app. When you use a new CCoin product or service for the first time:

  • these explanations will help you to understand what specific personal data CCoin collects, uses or shares about you for that product or service
  • where relevant, you will be prompted to review your in-app privacy preferences

We may provide privacy notices and explanations in languages other than English. If there are any discrepancies between other language versions and the English language version, the English language version is authoritative.

If you have concerns about how we use your personal data, you can contact us at using the designated channels mentioned on https://ccoin/

  1. What personal data do you collect about me?

The table below explains what personal data we collect and use.

Type of personal data

Details

Information you give us

  • We collect information you provide when you:
    • fill in any forms
    • correspond with us
    • respond to any of our surveys
    • register to use the CCoin app
    • open an account or use any of our services
    • give us access to your other financial accounts
    • take part in online discussions or promotions
    • speak with a member of our social media or customer support teams (either on the phone or through the CCoin app)
    • enter a competition or share information with us on social media
    • contact us for other reasons
  • We will collect the following information:
    • your name, address, and date of birth
    • your email address, phone number and details of the device you use (for example, your phone, computer or tablet)
    • your CCoin username which is known as your 'UserID' (this is random and is automatically assigned to you when you first join but you will be able to change it)
    • your registration information
    • details of your CCoin debit cards and credit cards (or other debit or credit cards you have registered with us) including the card number, expiry date and CVC (the last three digits of the number on the back of the card)
    • copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services
    • your country of residence, tax residency information, and tax identification number
    • information you provide when you apply for credit, including details about your, or your spouse's, income and financial obligations
    • information you provide when you sign up for wealth and trading products, including details about your employment and salary
    • records of our discussions, if you contact us or we contact you (including records of phone calls)
    • your image in photo or video form, and facial scan data extracted from your photo or video (known as 'biometric data'), to verify your identity during onboarding as part of our Know-Your-Customer (KYC) checks, to authenticate you as an authorised user of our services, or to detect and prevent fraud
    • information about other people (such as a joint account holder, your spouse or family) when we ask you to give us this information to enable us to comply with our obligations under KYC, anti-money laundering and other laws and to assist with fraud monitoring.
  • If you give us personal data about other people (such as a joint account holder, your spouse or family), or you ask us to share their personal data with third parties, you confirm that you have brought this notice to their attention beforehand.

Information collected from your use of our products and services

  • Whenever you use our website or the CCoin app, we collect the following information:
    • technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, the browser type and version, the time zone setting, device language, the operating system and platform, the type of device you use, whether your device uses a virtual private network (VPN), a unique device identifier (for example, your device's IMEI number, or the mobile phone number used by the device), mobile network information, your mobile operating system and the type of mobile browser you use
    • information about your visit, including the links you've clicked on, through and from our website or app (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page
    • information on transactions and your use of CCoin products (for example, payments into and out of your account), including the date, time, amount, currencies, exchange rate, beneficiary details, details of the merchant or ATMs associated with the transaction (including merchants' and ATMs' locations), IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received, details of device used to arrange the payment and the payment method used
    • information stored on your device, including if you give us access to contact information from your contacts list. The CCoin app will regularly collect this information in order to stay up to date (but only if you have given us permission)

Information about your location

  • If you turn location services on in the CCoin app, we track your location using GPS technology.

Information from others

  • We collect personal data from third parties or other people, such as credit reference agencies, financial or credit institutions, official registers and databases, as well as joint account holders, fraud prevention agencies and partners who help us to provide our services.
  • This includes your credit record, information about late payments, information to help us check your identity, information about your spouse and family (if applicable in the context of an application for credit that you make) and information relating to your transactions.
  • When you ask us to, we’ll also collect personal data from accounts you hold with third party financial institutions (when you create a linked account by activating Open Banking in the CCoin app). If you apply for our credit products, when you allow us, we may use this information for credit checks.
  • Sometimes other CCoin customers may give us information about you. For example, a CCoin customer may tell us that you have behaved inappropriately and provide us with evidence to support their claim.

Information from social media

  • Occasionally, we'll use publicly available information about you from selected social media websites or apps to carry out enhanced due diligence checks. Publicly available information from social media websites or apps may also be provided to us when we conduct general searches on you (for example, to comply with our anti-money laundering or sanctions screening obligations).

Information from publicly available sources

  • We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes.
  1. What is your legal basis for using my personal data?

We must have a legal basis (a valid legal reason) for using your personal data. Our legal basis will be one of the following:

  • Keeping to our contracts and agreements with you
  • We need certain personal data to provide our services and cannot provide them without this personal data.
  • Legal obligations
  • In some cases, we have a legal responsibility to collect and store your personal data (for example, under anti-money laundering laws we must hold certain information about our customers).
  • Legitimate interests
  • We sometimes collect and use your personal data because we have a legitimate reason to use it and this is reasonable when balanced against your human rights and freedoms.
  • Substantial public interest
  • Where we process your personal data, or your sensitive personal data (sometimes known as special category personal data), to adhere to government regulations or guidance, such as our obligation to prevent fraud or support you if you are or become a vulnerable customer.
  • Consent
  • Where you've agreed to us collecting your personal data, or sensitive personal data, for example when you tick a box to indicate you’re happy for us to use your personal data in a certain way.
  1. How do you use my personal data?

Explore the ways in which we may use your personal data using this table:

Type of personal data

Details

What we use your personal data for

  • Checking your identity
    • Whenever you sign up with CCoin, we’ll use your personal data to check your identity or the identity of joint account holders (as part of our KYC process).
    • This may include facial scan data extracted from any photo or video you submit (known as ‘biometric data’).
    • Legal obligations
    • Substantial public interest
    • Consent (where required by law)
  • Providing our services
    • Whenever you apply for or use a CCoin product or service, we’ll use your personal data to:
    • • decide whether or not to approve your application
    • • meet our contractual and legal obligations relating to any products or services you use (for example, making payments into and out of your CCoin account, withdrawing cash or making payments with your CCoin card)
    • • help you understand your spending behaviour, how you use CCoin products and services, and to help you save money (for example, by providing you with product usage and spending insights)
    • • recover debt and exercise other rights we have under any agreement with you
    • • provide you with customer support services. We may record and monitor any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyse, assess and improve our services, and for training and quality control purposes
    • Keeping to contracts and agreements between you and us
    • Legitimate interests (we need to be efficient about how we meet our obligations and we want to provide you with good products and services)
    • Legal obligations
  • Protecting against fraud
    • We use your personal data to check your address and identity, protect against fraud, keep to financial crime laws and to confirm that you’re eligible to use our services. We also use it to help us better understand your financial circumstances and manage fraud risks related to your CCoin account.
    • Legitimate interests (to develop and improve how we deal with financial crime and meet our legal responsibilities)
    • Substantial public interest
    • Consent (where required by law)
    • Legal obligations
  • Marketing and providing products and services that might interest you
    • We use your personal data to do the following:
    • • to personalise your in-app experience and marketing messages about our products and services so they’re more relevant and interesting to you (where allowed by law). This may include analysing how you use our products, services and your transactions
    • • if you agree, provide you with information about our partners’ promotions or offers which we think you might be interested in
    • • if you agree, allow our partners and other organisations to provide you with information about their products or services
    • • ask your opinion about our products or services
    • Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (see below for how to do this).
    • Legitimate interests (to send direct marketing, ensure our direct marketing is relevant to your interests, develop our products and services, and to be efficient about how we meet our legal and contractual duties)
    • Consent (where we’re legally required to get your consent to send you direct marketing about our products or services, or partners’ promotions or offers, or for you to receive marketing from other organisations)
  • To keep our services up and running
    • We use your personal data to manage our website and the CCoin app (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device.
    • We also use your personal data to:
    • • authenticate you as an authorised user of our services when necessary (for example, if you contact our customer support or social media teams)
    • • allow you to take part in interactive features of our services
    • • tell you about changes to our services
    • • help keep our website and the CCoin app safe and secure
    • Keeping to contracts and agreements between you and us
    • Legitimate interests (to be efficient about how we meet our obligations and keep to regulations that apply to us and to present content as effectively as possible for you)
    • Consent (where required by law)
  • Helping with social interactions
    • We use your personal data to help with social interactions through our services, or to add extra functions in order to provide a better experience.
    • For example, if you give us permission, we'll use the contacts list on your phone so you can easily make payments to, or message, your contacts using the CCoin app.
    • Legitimate interests (to develop our products and services and to be efficient in meeting our obligations)
    • Consent (to access information held on your phone, for example, contacts in your contacts list, to track you when you have location services switched on)
  • Providing location-based services
    • If you turn location services on in the CCoin app, we use your personal data to:
    • • provide you with products and services
    • • provide relevant advertising to you (for example, information about nearby merchants)
    • • protect against fraud
    • Keeping to contracts and agreements between you and us
    • Legitimate interests (to develop and market our products and keep to regulations that apply to us)
    • Consent (to track you when you have location services switched on)
  • Preparing anonymous statistical datasets
    • We prepare anonymous statistical datasets about our customers’ spending patterns:
    • • for forecasting purposes
    • • to understand how customers use CCoin
    • • to comply with governmental requirements and requests
    • These datasets may be shared internally or externally with others, including non-CCoin companies. We produce these reports using information about you and other customers. The information used and shared in this way is never personal data and you will never be identifiable from it. Anonymous statistical data cannot be linked back to you as an individual.
    • For example, some countries have laws that require us to report spending statistics and how money enters or leaves each country. We’ll provide anonymised statistical information that explains the broad categories of merchants that CCoin customers in that country spend their money with. We’ll also provide information about how CCoin customers top up their accounts and transfer money. However, we won’t provide any customer-level information. It will not be possible to identify any individual CCoin customer.
    • Legitimate interests (to conduct research and analysis, including to produce statistical research and reports)
    • Legal obligations
  • Improving our products and services
    • We use your personal data to help us develop and improve our current products and services. For example, we may include you in a focus group to test and develop new products because we think you will be interested based on how you spend or use other CCoin products.
    • This allows us to continue to provide products and services that our customers want to use.
    • Legitimate interests (to understand how customers use our products so we can develop new products and improve the products we currently provide)
  • Meeting our legal obligations, enforcing our rights, protecting our business and other legal uses
    • We use your personal data:
    • • to share it with other organisations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies)
    • • to recover debts from you (for example, where you hold a credit product with us or have a negative balance in your account)
    • • if this is necessary to meet our legal or regulatory obligations
    • • to identify and support vulnerable customers by letting you tell us if you need help or analysing your behaviour in the CCoin app, customer support communications and through transactions (for example, we will try to identify whether you are potentially vulnerable so we can provide you with enhanced support. Identifying and supporting vulnerable customers is a legal requirement for us in some countries)
    • • to protect ourselves, including our rights, property, personnel or products
    • • to help prevent and fight harmful or unlawful behaviour and spam communications (in line with CCoin’s Community Standards)
    • • in connection with legal claims
    • • to help detect or prevent crime
    • Sometimes, we’re legally required to ask you to provide information about other people. For example, we might ask you to explain:
    • • your relationship with a joint account holder or somebody who pays money into your CCoin account
    • • how somebody got the money in the first place to pay it into your CCoin account
    • Legitimate interests (for example, to protect CCoin during a legal dispute)
    • Substantial public interest (if we process your sensitive personal data to keep to legal requirements that apply to us)
    • Legal obligations
  1. Do you make automated decisions about me?

Depending on the CCoin products or services you use, we may make automated decisions about you.

This means that we may use technology that can evaluate your personal circumstances and other factors to predict risks or outcomes. This is sometimes known as profiling. We do this for the efficient running of our services and to ensure decisions are fair, consistent and based on the right information.

Where we make an automated decision about you, you have the right to ask that it is manually reviewed by a person.

For example, we may make automated decisions about you that relate to:

Determining credit eligibility:

  • assessing whether you are eligible to apply for a credit product

Approving credit applications:

  • credit and affordability checks to see whether we can accept your credit application
  • setting credit limits

Monitoring credit agreements:

  • assessing how you’re repaying any credit product you hold with us
  • amending your credit limit
  • terminating your credit agreement

Opening accounts:

  • KYC, anti-money laundering and sanctions checks
  • identity and address checks

Detecting fraud:

  • monitoring your account to detect fraud and financial crime

Our legal basis is one or more of the following:

  • keeping to contracts and agreements between you and us
  • legal obligations
  • legitimate interests (to develop and improve how we deal with financial crime and meet our legal responsibilities)
  1. Do you run credit checks on me?

We, and our lending partners, use credit reference agencies (or other providers of credit information in some countries) to run credit checks if you apply (or tell us you want to apply) for a credit product through CCoin.

If you give us access to other accounts you hold with other financial institutions, through Open Banking, where you agree, we’ll use available information to carry out credit checks on you.

We’ll also share your personal data with credit reference agencies (or other providers of credit information) to:

  • confirm details you have provided when you apply for products or services
  • make an assessment about whether to accept your credit application
  • determine an appropriate credit limit for you

When you enter into a credit agreement with us, we may continue sharing information with credit reference agencies or other providers of credit information (for example, information about your repayments and whether you repay in full or on time).

We may carry out additional credit checks on you from time to time to make sure that your financial wellbeing hasn’t changed over the course of the year. If you are a vulnerable customer, we may contact you directly when you apply for a credit product. This is to make sure that we are offering you an appropriate credit product.

The personal data we share with, and receive from, credit reference agencies (or other providers of credit information) when you apply for or use a CCoin credit product will vary depending on the country you live in. We’ll provide full details when you apply for a CCoin credit product.

Our legal basis is one or more of the following:

  • consent (where we are required to collect your consent by law)
  • legal obligations
  • keeping to contracts and agreements between you and us (where you take out a credit product with us)
  1. How do you use my personal data for marketing?

If you sign up to our services, and where national laws allow, we’ll assume you want to be contacted by post, push notification, email and text message with information about CCoin products, services, offers and promotions. Where national laws require us to get your consent to send marketing messages, we’ll do so in advance.

We use your personal data to personalise marketing messages about our products and services so they are more relevant and interesting to you (where allowed by law). This may include analysing how you use our services and your transactions.

You can object to profiling for direct marketing purposes. You can also adjust your preferences or tell us you don't want to receive direct marketing at any time. Just use the privacy settings in the CCoin app or tap the unsubscribe links in any marketing message we send you.

If you do not want to receive personalised marketing messages, and opt out from receiving them, you will not receive any marketing communications. However, you may still receive generic information about our products and services in the CCoin app.

We won't pass your details on to any organisations outside the CCoin group of companies for their marketing purposes without your permission.

Our legal basis is:

  • consent (where we are required by law to collect your consent)
  • legitimate interests (to send you marketing and to provide information relevant to your interests)
  1. What are my rights?

Type of personal data

Details

Your rights

  • You have the right to cbe told how we use your personal data
    • We provide this privacy notice to explain how we use your personal data.
  • You have the right to ask us for a copy of your personal data
    • If you ask, we’ll provide a copy of the personal data we hold about you.
    • We can’t give you any personal data about other people, personal data which is linked to an ongoing criminal or fraud investigation, or personal data which is linked to settlement negotiations with you.
    • We also won't provide you with any communication we've had with our legal advisers.
  • You can ask us to correct your personal data if you think it's wrong
    • You can have incomplete or inaccurate personal data corrected.
    • Before we update your file, we may need to check the accuracy of the new personal data you have provided.
  • You can ask us to delete your personal data
    • You can ask us to delete your personal data if:
    • • there's no good reason for us to continue using it
    • • you gave us consent (permission) to use your personal data and you have now withdrawn that consent
    • • you have objected to us using your personal data
    • • we have used your personal data unlawfully
    • • the law requires us to delete your personal data
    • Just to let you know, we may not be able to agree to your request. As a regulated financial services provider, we must keep certain customer personal data even when you ask us to delete it. If you've closed your CCoin account, we may not be able to delete your entire file because these regulatory responsibilities take priority. We'll always let you know if we can't delete your personal data.
  • You can object to us processing your personal data for marketing purposes
    • You can tell us to stop using your personal data, including profiling you, for marketing.
  • You can object to us processing other personal data (if we’re using it for legitimate interests)
    • If our legal basis for using your personal data is 'legitimate interests' and you disagree with us using it, you can object.
    • However, if there is an overriding reason why we need to use your personal data, we will not accept your request.
    • If you object to us using personal data which we need to provide our services, we may need to close your account as we won’t be able to provide the services.
  • You can ask us to restrict how we use your personal data
    • You can ask us to suspend using your personal data if:
    • • you want us to investigate whether it’s accurate
    • • our use of your personal data is unlawful but you don’t want us to delete it
    • • we no longer need your personal data, but you want us to continue holding it for you in connection with a legal claim
    • • you have objected to us using your personal data (see above), but we need to check whether we have an overriding reason to use it
  • You can ask us to transfer personal data to you or another company
    • If we can, and are allowed to do so under regulatory requirements, we’ll provide your personal data in a structured, commonly used, machine-readable format.
  • You can withdraw your permission
    • If you’ve given us the consent we need to use your personal data, you can withdraw it at any time by changing your privacy settings in the CCoin app or sending an email at the contact information found on https://ccoin/.
    • (Please note, it will have been lawful for us to use the personal data up to the point you withdraw your permission.)
  • You can ask us to carry out a human review of an automated decision we make about you
    • If we make an automated decision about you that significantly affects you, you can ask us to carry out a manual review of this decision.

Your ability to exercise these rights will depend on a number of factors. Sometimes, we won’t be able to agree to your request (for example, if we have a legitimate reason for not doing so or the right does not apply to the particular information we hold about you).

  1. How do I exercise my rights?

To exercise any of your rights set out in the previous section, you can contact us through the CCoin app or send us an email at the contact information found on https://ccoin/.

For security reasons, we can't deal with your request if we’re not sure of your identity, so we may ask you for proof of ID.

If a third party exercises one of these rights on your behalf, we may need to ask for proof that they’ve been authorised to act on your behalf.

When you exercise one of your rights, or update your privacy settings in the CCoin app, it may take us up to one month to respond or implement your changes.

CCoin will usually not charge you a fee when you exercise your rights. However, we’re allowed by law to charge a reasonable fee or refuse to act on your request if it is manifestly unfounded or excessive.

  1. Do you share my personal data with anyone else?

CCoin group companies

We share your personal data within the CCoin group of companies to:

  • provide you with the best service
  • protect you, other customers and our systems from fraud or harmful behaviour
  • facilitate you quickly signing up to use other CCoin products or services
  • improve existing, or develop new, products or services
  • send you information about CCoin products and services we think you’ll be interested in hearing about

Other CCoin customers

We’ll ask you to let us sync your mobile phone contacts. This will help you to identify which of your trusted mobile phone contacts are CCoin customers. Your ‘trusted contacts’ will also be able to see if you’re a CCoin customer through our in-app discoverability settings.

In-app discoverability gives you access to CCoin features like requesting money from your friends, splitting bills, group pockets, paying other CCoin customers or chatting to your ‘trusted contacts’.

We use technological safeguards to ensure a ‘trusted contact’ is somebody you already know and who knows you (for example, you have each other saved in each other’s mobile phone contacts lists or have already received or given money through a peer-to-peer payment with them).

Both you and your trusted contact must have synced your mobile phone contacts lists with CCoin to be viewable to each other in the CCoin app.

If you have synced your mobile phone contacts, we show basic details about you in the CCoin app to your trusted contacts who are also CCoin customers (for example, your name (as saved in your friend’s contacts list), mobile phone number, UserID, CCoin membership plan, and CCoin profile photo (if you have one)).

You can, of course, choose not to sync your contacts list with CCoin. This means that you won’t be able to identify which of your mobile phone contacts are CCoin customers.

You can also change your discoverability preferences through the privacy settings in the CCoin app.

Other CCoin customers will be able to search for you through the CCoin app using your UserID.

When they input your UserID, they will be able to see your name and profile photo (if you have one). You can turn off being discoverable by your UserID through the privacy settings in the CCoin app.

People or companies that you transfer money to

Where you make a payment from your CCoin account, we’ll provide the recipient with your details alongside your payment (for example, your name and IBAN). This is because, like all payment institutions, we’re required by law to include certain information with payments.

People or companies that transfer money to you

When you receive a payment to your CCoin account, we’ll provide the payer with your details (for example, your name and IBAN). This is necessary to confirm that the payment has been made to the correct account.

Suppliers

The table below explains which suppliers we normally share your personal data with:

Type of personal data

Details

Type of supplier

  • Suppliers who provide us with IT, payment and delivery services
    • To help us provide our services to you
  • Our banking and financial services partners and payments networks, including Visa and Mastercard
    • To help us provide our services to you. This includes banking and lending partners, banking intermediaries and international payment service providers
  • Identity verification and KYC service providers
    • To help us verify your identity so we can provide our services to you
  • Card manufacturing, personalisation and delivery companies
    • To create and deliver your personalised CCoin card
  • Analytics providers and search information providers
    • To help us improve our website or app
  • Customer-service providers, survey providers and developers
    • To help us provide our services to you
  • Communications services providers
    • To help us send you emails, push notifications and text messages
  • Debt collection agencies
    • To manage and recover debts that you owe or may end up owing (including if you have a CCoin credit product)

Partners who help to provide our services

We may share your personal data with our partners to:

- provide certain services you’ve asked us for (for example, when we offer insurance as part of our membership plans)

Make sure you get any reward we have promised you (for example, if you make a purchase with a partner, we will share limited information about you to make sure you get the right cashback) We’ll only share your personal data in this way if you’ve made a qualifying purchase, asked for the relevant service or if it’s provided as part of our membership plans.

From time to time, we may work with other partners to offer you co-branded services or promotional offers, and we’ll share some of your personal data with those partners. We will always make sure you understand how we and our partners process your personal data for these purposes.

Credit reference agencies

Other financial institutions and CCoin customers

We may share your personal data with other financial institutions, or CCoin customers, if you ask us to. For example, if you have activated ‘Open Banking’ through an account you hold with another financial institution and given them permission, we’ll share data from your CCoin account (such as your balance, payment transactions, account number and sort code) with that financial institution.

We may also share your personal data with other financial institutions, or CCoin customers, where you do not ask us to. For example, if a payment is made to your account by mistake, we can share your information with the financial institution, or CCoin customer, the payment came from. This will help the payer and the other financial institution to try and get the payment back themselves.

Joint account holders

If you have a joint account with us, we will share account and transaction information between joint account holders. For example, your co-account holder will see any transactions you make from your joint account.

Other third parties

We may share your personal data with other third parties where necessary to facilitate you receiving payments to your CCoin account.

For legal reasons

We also share your personal data with other financial institutions, financial services companies, insurance providers, government authorities, law enforcement authorities, tax authorities, companies and fraud prevention agencies to check your identity, investigate or protect against suspected fraud, keep to tax laws, anti-money laundering laws, or any other laws and confirm that you’re eligible to use our products and services.

If fraud is detected, you could be refused certain services by CCoin or other companies.

We may also need to share your personal data with other third party organisations or authorities:

  • if we have to do so under any law or regulation
  • if we sell our business or credit portfolio
  • in connection with criminal or fraud investigations
  • to enforce our rights (and those of customers or others)
  • in connection with legal claims

Social media and advertising companies

When we use social media for marketing purposes, your personal data (limited to only your name, email address and app events) may be shared with the social media platforms so that they can check if you also hold an account with them. If you do, we may ask the advertising partner or social media provider to:

  • use your personal data to send our adverts to you, because we think that you might be interested in a new CCoin product or service
  • not send you our adverts, because the marketing relates to a service that you already use
  • send our adverts to people who have a similar profile to you (for example, if one of our services is particularly useful to people with similar interests to the ones on your social media profile, we may ask our advertising partner or social media partner to send our adverts for that service to those people)

We may share your personal data with our advertising partners in the ways described above, but the personal data is hashed before we send it, and the advertising partner we share it with is only allowed to use that hashed personal data in the ways described above.

Our legal basis is:

  • legitimate interests (to ensure CCoin’s advertising is as effective as possible)

You can contact us at any time, either through the CCoin app or by emailing at the contact information found on https://ccoin/, if you don’t want us to share your personal data for advertising purposes. You can also use the privacy settings in the CCoin app to opt out from having your personal data shared in this way.

Remember you can also manage your marketing preferences directly with any social media provider that you have an account with.

Where you ask us to share your personal data

Where you direct us to share your personal data with a third party, we may do so. For example, you may authorise third parties to act on your behalf (such as a lawyer, accountant or family member or guardian under a power of attorney). We may need to ask for proof that a third party has been validly authorised to act on your behalf.

  1. How do you protect my personal data?

We recognise the importance of protecting and managing your personal data. Any personal data we process will be treated with the utmost care and security. This section sets out some of the security measures we have in place**.**

We use a variety of organisational and technical measures to:

  • maintain the confidentiality, availability and integrity of your personal data
  • make sure your personal data is not improperly used or disclosed

We have detailed information security and data protection policies which our employees are required to follow when they handle your personal data. Our employees receive data protection and information security training. Personal data is stored on secure computer systems with access management controls in place to limit physical, system and information access to only authorised employees.

CCoin has strict policies in place that control how we share your personal data with other companies. Before sharing personal data with any company, we thoroughly:

  • vet the company in advance
  • assess the security controls the company has in place to protect your personal data

While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, our website or other services we may provide. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web and payment-processing services.

If you use a password, PIN or generated authorisation code or prompt to use the CCoin app, our website or other services, you will need to keep it confidential. Please do not share it with anyone. CCoin will never ask you for this credential.

When you use our public services, which includes our social network accounts and the CCoin Community forum, do not share any personal data that you don't want to be seen, collected or used by other customers, as this personal data will become publicly available.

  1. How long will you keep my personal data for?

We will keep your personal data:

  • for as long as necessary to achieve the original purpose we collected it for
  • in line with relevant laws

We are required to keep certain personal data for specified time periods by KYC, anti-money laundering, banking and e-money laws. These time periods vary from country to country. CCoin has detailed policies and procedures in place to ensure we comply with these requirements.

We may keep your personal data for a longer time period because of a potential or ongoing court claim, or for another legal reason.

  1. How will you keep me updated about how you use my personal data?

If we change the way we use your personal data, we’ll update this notice and, if appropriate, let you know by email, through the CCoin app or through our website.

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