Privacy Policy - Cow Finance

Privacy Policy

1 Introduction

1.1 This Privacy Policy (hereinafter: “Policy”) is used by Cow Finance

1.2 Cow Finance is committed to protecting your privacy. This Policy describes what we do with your data and applies to all information that identifies you or may be used to identify you with (“Personal data”) by Cow Finance, such as but not limited to processing via the Cow Finance websites (hereinafter: “Websites”). The Websites are intended for general audiences over the age of 16 years old. We do not knowingly collect information from children under the age of 16 years old.

1.3 If you are not at least 16 years old (or 13 years old in the United States), please do not use the Websites. Our Services are not intended for use by children under the this ages. If we learn we have collected or received personal information from a child under mentioned age without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under the age, please contact us.

1.4 This Privacy Policy is provided in English. Translations to certain other languages may be available and can be requested by contacting us.

1.5 For ease of reference, each section of this privacy policy is set out below:

2 Processing of Personal data

2.1 Cow Finance determines the purpose for which we process this data and we determine the means necessary for the processing of this data. As a data controller, we process the data set out in this section. Cow Finance does not engage in automated decision-making.

Data collected directly from you

2.2 When you access our Websites, we may (automatically) collect the following information about you and/or your device:

We may collect the following information from or about our users when they access our Services:

Data you may provide to us

2.3 Access to the Websites, their content and any web search results generated by using the Websites in general do not require you to submit Personal data to us other than the information listed above. Under certain circumstances, you may wish to provide us with more information about yourself, for example in relation to any enquiry you may want to make with us . When you are reaching out to us, we may process the following information about you:

For our website Cow Finance we use Google reCAPTCHA before you can fill in our Contact Form. It is a system to find out if the website visitor is a human and not a bot and helps us to protect our contact form from cyber spam and abuse. You acknowledge and understand that the reCAPTCHA API collects the following information:

All cookies that Google has placed on the user's system in the last 6 months;
How many mouse clicks the user made in the browser window (or tapped if it is a touch device);
The scrolling behavior of the user;
The webpage's CSS;
The user's system date and time;
The user's IP address;
Whether the user is currently logged in to their Google account;
The user's browser language setting;
All add-ons installed in the user's browser;
All Javascript objects;
The speed with which the user fills out the form.

and sending this data to Google for analysis. The information collected in connection with your use of the service will be used for improving reCAPTCHA and for general security purposes. It will not be used for personalised advertising by Google. You can find further details via this link https://support.google.com/recaptcha/?hl=en

2.4 If you choose to provide us with any additional Personal data, we recommend that you limit the provision of such data to the absolute minimum, and we discourage you from providing us with any sensitive Personal data, such as data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic or biometric data or data about your sex life or sexual orientation.

Data collected via our partners

2.5 Third parties may be able to process data related to you through our websites in order to provide us with certain products and services. Such third parties may use technologies such as cookies, ad tags or ad beacons to collect information about your interaction with any products and services (such as advertisements) they offer through the Website.

We use advertisement from partners (from Google and Microsoft Bing and Yahoo). Because we have set off ad personalization, they will not collect or use your information to create an ad profile. You will still see ads, but are not personalized. Ads are only be based on the topic of the website you're looking at, your current search terms, or on your general location, but not on your interests, search history, or browsing history. Your information can still be used for measure the effectiveness of advertising and protect against fraud and abuse. Please note: Cow Finance is not responsible for tracking cookies which you have previously accepted while visiting third-party websites. These third parties are data controllers and must inform you.

For more information about Google's privacy policy, please visit Google Privacy Policy.

p2.6 Third-parties who provide us with products and services may also place cookies, ad tags and/or beacons that collect the information outlined above in order to provide us with products and services including analytics tools allowing us to analyze the performance of our Services and advertisers and ad networks allowing the delivery of ads. These third parties may also collect information about you from other sources and combine it with other information collected about you from third party websites not affiliated with us. The IP is stored, as well as location (country), browser data and what results were shown (such as ads and organic results). Also, certain information is passed on to third parties (such as IP address, ads shown and ads clicked on) to make our service possible (showing results, both ads and organic results). User behavior is never tracked to match organic results or ads to the visitor's profile. Organic results and ads are only shown based on the visitor's search query. For all websites, the personalized ads option is disabled. The necessary cookies are essential to operate our websites and provide our services by helping us provide basic functionality such as loading and rendering pages on the websites and enabling your navigation around the websites and use of certain features. They are also used to identify and prevent fraud and improve security.

3 Purposes of the processing

3.1 Primary purposes for which we process your Personal data are to offer you the best services possible, to optimize our Websites and services and to ensure continuity thereof. More specifically, your Personal data can be used for the following purposes:

To provide our services: we may need certain information about you in order to be able to provide our services. Data is used to properly perform our services and to improve our services. User behavior is never tracked to match organic results or ads to the visitor's profile. Organic results and ads are only shown based on the visitor's search query. For all websites, the personalized ads option is disabled. We use data because they: are essential to operate our websites (they allow us to show you search results and advertisements that match your search query) used to identify and prevent fraud and improve security.

To provide our services: our Websites and services are constantly evolving, and we are constantly working on improving your user experience and adding new functionality to our Websites.
To provide our services: in order to be able to provide your with the best user experience possible, it is necessary to keep out hackers, automated bots or other threats. We are therefore constantly monitoring our services and the use of our services.
To communicate with you: when you contact us, we process your contact details such as your name and email address and any other Personal data you may provide to us in order to be able adequately revert to you on your enquiry.
To exercise and safeguard our rights: we may need to exercise our legal rights in case you infringe our intellectual property, engage in fraudulent acts or act in violation of this Policy or our terms of service.
To compensate our partners: as we show and run advertisements, certain Personal data may be needed in order to calculate the compensation to be paid to or received by or from our partners.
To comply with a legal obligation: we may be required by law or by a court order to process (and/or transfer) certain Personal data.

4 Legal basis of the processing

4.1 We process your Personal data on the following legal basis:

Execution of a contract with you: most processing activities are carried out in order to provide you with our services.
Our legitimate interests: your Personal data may be processed by us based on our legitimate interest, such as our commercial interests. This may be the case with, among others, compensation of our partners. Cow Finance's websites are search engines for different types of visitors from all over the world. After you submit a search query, the most relevant content and ads will be displayed. Information is collected for functional purposes only. Data is only used to properly perform our services and to improve our services. The IP is stored, as well as location (country), browser data and what results were shown (such as ads and organic results). Also, certain information is passed on to third parties (such as IP address, ads shown and ads clicked on) to make our service possible (showing results, both ads and organic results and payment of fees).
User behavior is never tracked to match organic results or ads to the visitor's profile. Organic results and ads are only shown based on the visitor's search query. For all websites, the personalized ads option is turned off. We use data because they: are essential to operate our websites (they allow us to show you search results and advertisements that match your search query); used to identify and prevent fraud and improve security.

Your consent: should certain processing activities not be related to our contract with you, or our legitimate interest, then we may process your Personal data on the basis of your consent.

5 Recipients of your Personal dat

5.1 Cow Finance may transfer your Personal data to the following categories of recipients:

Suppliers: when such is necessary to enable the use Websites and services, we may transfer your Personal data to suppliers, subcontractors and business partners, such as our hosting provider that hosts the Websites, the provider of our job application platform, partners that help us to improve the user-experience of our services and providers of IT support, data backup, recovery service and office software.
Group companies: we may provide Personal data to other companies within the Cow Finance group of companies, if this is necessary for compliance, internal reporting, auditing or security purposes.
Professional service providers: Our accountant, legal advisers and other professional service providers engaged by us for compliance reasons;
Advertisement partners: Information on your Website visit may be provided to advertisement partners in order to serve you with (relevant) advertisements on our Websites and elsewhere, and to measure effectiveness of advertisements. Ads are only be based on the topic of the website you're looking at, your current search terms, or on your general location, but not on your interests, search history, or browsing history.
Law enforcement agencies: we may be under an obligation to provide your information to law enforcement, regulators, courts or other public authorities in relation to an official (court) order. In addition we may provide your data to law enforcement agencies, regulators, courts or otherwise in order to exercise our rights.
Fraud prevention: we may engage third parties when we believe disclosure is necessary to investigate, prevent, or respond to suspected illegal or fraudulent activity or to protect the safety, rights, or property of us, our users, or others.
Third parties: we may transfer data to third parties acquiring or merging with Cow Finance, or purchasing part or all of our assets, or in case of a corporate restructuring.

6 Retention of your Personal data

6.1 We retain your Personal data for as long as necessary in order to fulfil the associated purpose as set out above.

For spam detection and statistic purposes we retain data for 7 days. We retain conversion data for 30 days. After that, we can only retain your Personal data if this is required or necessary in order to comply with

applicable law or in order to be able satisfy any legal, reporting or audit requirements. Where possible we anonymize or pseudo-anonymize your Personal data or retain it in an aggregated form only.

7 Securing your Personal data

7.1 We highly value the secure processing of your Personal data. Therefore, we may implements security measures, such as but not limited to, as appropriate:

8 Your rights

8.1 You are provided with the following rights:

Objection: Under certain conditions you have the right to object to the processing of your Personal data and the conditions under which this processing takes place.
Access: You have the right to request from us, without constraint, at reasonable intervals and without excessive delay or expense, i) a confirmation as to whether or not Personal data regarding you is being processed, ii) information on the purposes for which Personal data is processed, iii) the categories of Personal data concerned, and iv) the recipients or categories of recipients to whom the Personal data is disclosed. You have the right to receive, in an intelligible form, a communication of the Personal data being processed and of any available information as to the source(s). Furthermore, you have the right to knowledge of the underlying logic of the automated processing of Personal data relating to you.
Rectification, restriction, erasure, blocking or deletion: Under certain conditions you have the right to rectification, restriction, erasure, blocking or deletion of your Personal data that is not processed in compliance with data protection laws and regulations, in particular when the nature of the data is incomplete or inaccurate.
Data portability: Under certain conditions you have the right to receive your Personal data in a structured, commonly used and machine-readable format to transfer those data.
Withdraw consent: where we are processing Personal data relating to you on the basis of your prior consent to that processing, you may withdraw your consent at any time.
Complaint with relevant authority. You have the right to file a complaint with the relevant data protection authorities.

8.2 You may exercise these rights by contacting us .

8.3 In order to fulfil your possible requests pursuant to the rights as stated above, we may request specific additional information from you to identify you with or we may ask you for information to identify you with. We only collect and process such specific data with the purpose of executing your above stated rights insofar this is requested by you.

9 Amendments and questions

9.1 Cow Finance may amend this Policy at any time.

9.2 Should you have any questions after reading this Policy, or would want to exercise any right as stated in this Policy, please do not hesitate to contact us.