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These Terms and Conditions govern the terms under which you may access and use our website ("the Website") the services associated with it (together, the "Service"). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions.
In the present Terms and Conditions, the terms "we", "us", "our" refer to Valut and "you", "your" refer to any person who accesses and/or uses the Service. It is important that you understand that access and use of the Service is conditional on your acceptance of present Terms and Conditions. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.
In this Terms and Conditions the terms below shall have the following definition(s):
After we process your transaction to the Recipient an e-mail will be sent to you with the following information:
The Payment Services Regulations 2017 (hereinafter called "the Regulations") govern the transfer of money to recipients within the European Economic Area (being all members states of the European Union, together with Norway, Iceland and Liechtenstein), where the transfer of funds is carried out in Euros, Sterling or the currency of another EEA state which has not adopted the Euro as its currency.
The Regulations regulate payment services, which have an electronic component and place payment services providers into certain categories as well as require certain payment institutions to be authorised by the FCA and to follow conduct of business rules. Please contact us at info@valutexchange.co.uk for more information.
Applicable laws and regulations require that some of the information we send to you or communications between you and us should be in writing. You agree to receive such written communications electronically. You also agree that electronic means of communication shall be effective for the purpose of the Contract between you and us. The foregoing does not affect your statutory rights.
All notices given to us must be in the English Language and sent to Valut, 545b Green Lanes Green Lanes, London, England, N8 0RL We may give notices to you in connection with any aspect of the Service or any order either through the e-mail address or the postal address that you provided to us or in any other way permitted pursuant these Terms and Conditions. Notices to you will be deemed received and properly served immediately after an e-mail is sent to you at the address you provided, or where a notice is sent to your postal address, one day after the date of posting in the case of domestic notices and 6 days in the case of international mail.
If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.
A person who is not a party to this Agreement shall have no rights to enforce the provisions of this Agreement under the Contracts (Rights of Third Parties) Act 1999.
Contracts for the purchase of our services using the Website or the Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by English law. Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of England and Wales. The foregoing shall be without prejudice to your statutory rights.
Valut, its affiliates and subsidiaries place a priority on the Data Privacy of its employees, contractors, clients, prospective clients, service providers and other partners or third parties and on the importance of compliance with Data Protection and Privacy laws worldwide. Thus, Valut has developed this Policy that outlines and explains the appropriate principles concerning collecting, processing, transferring and using an individual's Personal Data during everyday business.
In its collection, use and disclosure of Personal Data, Valut strives to balance the needs of managing its business effectively while minimising intrusiveness and complying with local legal requirements. In some countries, additional requirements beyond this policy may be applied to comply with local legislation. Data Protection and Privacy has been and will continue to be an integral component of Valut business practices.
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The Data Protection and Privacy principles below are the foundation of this Policy. As such, Valut will, through appropriate management and controls on an ongoing basis, monitor implementation of and compliance with these principles. It shall be a fundamental principle with Valut that any Personal Data shall be processed fairly, sensitively, respectfully and in accordance with this Policy and applicable local law.
Notice: Valut will inform individuals about the purpose for which it collects Personal Data, how to contact Valut with inquiries or complaints, and the administrative process by which the complaints will be resolved. Where appropriate, Valut will communicate the types of third parties to which Valut discloses Personal Data, and the choices, procedures and means Valut offers for limiting use and disclosure of personal information will also be provided.
Choice: Subject to applicable local law and Valut policies, general procedures and business requirements Valut will ensure that the rights of Data Subjects, about whom Personal Data is held, can be fully exercised. This includes the right of an individual to choose how their Personal Data provided is used, whether the use of such data is incompatible with the original purpose or authorizations, or is disclosed to third parties, subject to laws requiring disclosure and consent.
Onward Transfer: Valut will ensure that all transfers of Personal Data, whether within or outside of the Valut group, are protected by suitable safeguards and in accordance with applicable local law. Further, unless required by court or another legal mandate, or except as discussed below, Personal Data will only be transferred outside of Valut if the receiving party has entered into a Data Protection Agreement with Valut or comparable safeguards are in place. Where Personal Data is transferred outside of Valut, Valut will ensure that any such transfer protects the legitimate interests of Data Subjects in line with this Policy and applicable local law.
Security: Valut is committed to protecting Personal Data against unauthorized use or disclosure. To ensure the appropriate use of Personal Data, and prevent unauthorized access to such Personal Data, as well as prevent loss, alteration or destruction of Personal Data. In adherence with Data Protection and Privacy laws worldwide and internal Valut policies, Valut will address security at all appropriate technology infrastructure points.
Data Integrity: Valut will collect and process appropriate Personal Data only to the extent that there is a Business Need for Personal Data, to fulfill operational needs, and/or to comply with legal requirements, including those legal requirements of the countries in which the Personal Data was collected, as applicable. Valut will take reasonable steps to ensure that all Personal Data is relevant, accurate, complete, current, and reliable for its intended use. All Data Subjects have a responsibility to assist Valut in this effort.
Data Retention: Valut will not keep Personal Data for longer than is necessary for the purpose or purposes, for which it was intended, or as required by contractual agreement, by law or regulation, by other Valut policies or, where applicable, for the appropriate statute of limitations period.
Access: Upon request, Valut will provide individuals with access to their Personal Data and, when appropriate, allow the individuals to request that their Personal Data be corrected or updated by Valut, as required by law or Valut policies.
Enforcement and Oversight: Valut will address complaints or disputes regarding Personal Data promptly, in an orderly fashion and courteously. Valut will provide or, where appropriate, endeavor to provide notification to Data Subjects about how to file a complaint or inquiry and the administrative process to follow. Valut will perform a self-assessment on a regular basis to verify that this Policy is communicated, prominently displayed, implemented, and accessible. Valut will cooperate with the relevant Data Protection Authorities in the investigation and resolution of complaints relating to this Policy. Valut will seek, in a timely manner as practicable, to comply in good faith with the advice of these authorities.
Training and Audit: Valut will provide appropriate training to all relevant staff handling and dealing with the Processing of Personal Data so that any such processing will be carried out in accordance with this Policy and applicable law. Valut will further ensure that Data Protection and Privacy is subject to periodic audit.
We may transfer your data outside the European Economic Area (the "EEA").
Some of those countries have a European Commission adequacy decision, which means they are considered to offer an adequate level of data protection. Other countries do not have the same level of legal protection as countries in the EEA, or with an adequacy decision. If we do transfer your data in this way, we will take steps to ensure that it is protected to the same levels that apply in the EEA. This may include, for example, ensuring that the organisation receiving the data is registered with the EU-US Privacy Shield (in the case of transfers to the USA), or that we use the EU's model contractual clauses.
Valut entities and all non- Valut entities (e.g., agents, contractors, outsource service providers and processors) accessing or processing Personal Data are required to comply with this Policy with respect to such Personal Data.
The Data Officer is primarily responsible for adopting, implementing, and maintaining this Policy.
The responsibility for the implementation of the Policy lies with every employee and manager, whether the Personal Data is in the form of manual records, computer data or arises from communication with employees and Data Subjects both online (electronic) or off line (manual records). Implementation requirements will include the development of notice and consent forms to provide to managers and Data Subjects where required by applicable laws. Employees, agents, contractors and their employees are individually responsible for providing/maintaining accurate information and for protecting the personal information that Valut has about any individual in support of the implementation of this Policy. Employees who violate this Policy or applicable legal requirements are subject to discipline, up to and including termination of employment, dependent on the severity of the violation. Agents or contractors or their employees who violate this Policy or applicable legal requirements are subject to termination and/or other contractual penalties. Employees, agents and contractors should also be aware that if they knowingly or recklessly obtain or divulge Personal Data without Valut consent, they may be committing a criminal offence.
Human Resources will address any complaints or disputes regarding Personal Data promptly and courteously, and will follow all applicable laws to respond to the complaint. This includes inquiries from Data Subjects, employee councils, management sponsors, or regulatory authorities.
A responsible person designated by management will handle investigations regarding non-compliance with this Policy. All investigations will be handled under the legal requirements of the geographic area where the investigation is taking place.
The Data Officer is responsible for maintaining and safeguarding Personal Data, and for ensuring that access to such Personal Data is restricted to persons who have a job-related "need to know" or who have documented access rights. Covered entities may have access to Personal Data on a business related need to know for purposes generally compatible with the collection of the Personal Data.
Data Subjects may review the contents of any files as requested pursuant to the access principles detailed above and subject to other Valut policies. All Data Subjects must authenticate themselves based on online or offline standards (i.e., pass codes) set by Valut before gaining access. Data Subject may request a copy of documents, but under no circumstances will an individual be allowed to remove any documents from the file or be allowed to remove the original file from Valut. Certain confidential files, such as investigative files, will not be accessible to Data Subjects, in particular employees.
Regarding any requests for information concerning an Valut employee's status which may be received from non-Valut entities, only members of the human resources department are authorized to release any information and this will be restricted to confirmation of current employment including the employee's name, the most recent job title and the dates of Valut employment. Additional information will not be provided without the employee's authorization.
To opt out of being tracked by Google Analytics across all websites visit http//tools.google.com/dlpage/gaoptout
Use of Universal Analytics (Google)
Purpose: These cookies collect information about how visitors use our website. We use the information to compile reports and to make improvements. The cookies collect information in an anonymous form, including where visitors have come to the website from and the pages they visited.
If you have any questions regarding this notice, or any questions relating to data protection or privacy, you can contact us at info@valutexchange.co.uk
Valut may from time to time amend this Policy to reflect changes in any applicable legislation. Valut will notify Data Subjects of such amendments as soon as reasonably practicable.