How Personal Data is Stored
The personal data that we hold will be stored in the European Economic Area (EEA), but may be transferred to, and stored at, a destination outside the EEA, with and by third parties.Data may also be processed by third parties and/or staff operating outside the EEA who work for us or for one of our third party partners. Such staff may be engaged in, among other things, the fulfillment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing.Your personal data will be stored for the duration of the Service Terms and for such time thereafter as required by Applicable Law or the limitation period for bringing contractual claims under or in relation to the Service Terms.
Collection, Purpose and Legal Basis for Processing
When Data is Disclosed
We only disclose personal data to Third Party Service Providers for the purposes explained in Annex A to this Policy. Third Party Service Providers will only use your information to help provide the Platform, they will not market to you.In order to access the Platform, you may be required to accept additional privacy policies which are specific to third parties whose services you uses (such as an internet service providers).We may share your information with third-party service providers in connection with the provision of the Platform (Third Party Service Providers) and related services to you, and otherwise operating our business, marketing and promoting our products and services. We may link your account with a Third Party Service Provider to the Platform to enable certain functionality, which allows us to obtain information from those accounts.You may choose to access the Platform third parties (such as your accountant) (Third Party Systems). In order to engage with such Third Party Systems, you may be required to accept additional privacy policies which are specific to those Third Party Systems. If you sign-up to Muniy through a Third Party System we may share such information and for such purposes as explained in Annex A to this Policy. We may also share anonymous aggregate information about you with Third Party Systems to allow them to provide targeted information to you through the Platform.The Platform may contain links to other websites and third party services. When linking your account with third parties, you must read the privacy policies of such providers, so that you can understand the manner in which they will handle your personal data. The information we may obtain from those services often depends on their privacy policies or account settings. Please be aware that we shall not be held responsible for the privacy policies of such other sites and services. Please read the privacy policies or statements of each and every site or service that collects your personal data.These service providers may be located or have facilities that are located a different jurisdiction (including outside the EEA), in which case your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.
Processing of Personal Data Provided to us
As required by applicable law, we will check your identity and other personal details together with a KYC partner. If you give false or inaccurate information and we identify fraud, this will be recorded and shared with the partner, so that we and other organisations, including law enforcement agencies and debt collection agencies, may access, use and search these records to (1) help make decisions about credit and credit related services, for you and members of your household, (2) help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household, (3) trace debtors, recover debt, prevent fraud, and to manage your accounts or insurance policies, (4) prevent fraud and money laundering, for example, when (4a) Checking details on applications for credit and credit related or other facilities, (4b) Managing credit and credit related accounts or facilities, (4c) Checking details on proposals and claims for all types of insurance, (4d) and checking details of job applicants and employees.
The Safety & Security of Your Personal Data
We will take all reasonable precautions to protect your personal data from unauthorised and unlawful access and processing, as well as accidental loss, destruction or damage. This includes appropriately securing our physical facilities and electronic networks.The security of online transactions and the security of communications sent by electronic means or by post cannot be guaranteed. When you provide information to us via the internet or by post, you do so at your own risk. We cannot accept responsibility for misuse or loss of, or unauthorised access to, data, where the security of information is not within our control.Privacy or security practices of any third party (including third parties that we are permitted to disclose your data to in accordance with this policy or any applicable laws) may be subject to separate privacy and security policies than that of Muniy's.If you suspect any misuse or loss of, or unauthorised access to, your data, you should let us know immediately.We are not liable for any loss, damage or claim arising out of another person’s use of the data where we were authorised to provide that person with the data.
Complaints and Disputes
You have the right to object to (1) processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling), (2) direct marketing, (3) processing for purposes of scientific/historical research and statistic sunless we hold compelling legitimate grounds for processing or the processing is for the establishment, exercise or defence of legal claims.You have the right to lodge a complaint with the Information Commissioner or other competent supervisory authority if you consider that the processing of your data infringes the DPA. If you lodge a dispute regarding your data, we both must first attempt to resolve the issue directly between us.If we become aware of any unauthorised access to your data which is likely to result in a high risk for the rights and freedoms of the data subjects, we will inform you without undue delay after becoming aware of it, once we have established what was accessed and how it was accessed.
Additions to This Policy
We reserve the right to modify this policy at any time on the same conditions as we may vary our Service Terms. If we decide to change this policy, we will post the changes on our Platform at www.muniy.com/privacy-policy. It is your responsibility to refer back to this policy to review any amendments. Changes and clarifications will take effect immediately upon their posting on the Platform. If we make material changes to this policy, we will notify you here that it has been updated.