Terms of Service

Welcome to The Fintech Map! Please read our Terms Of Service carefully so you can familiarize yourself with the rules and restrictions that cover and govern your use of our website (www.TheFintechMap.com, www.GOiDENTIFY.com) and any other associated websites, web apps, products, services, and applications (the “Service”, “Platform”). If you have any questions, comments, queries, or concerns regarding our Terms please email Contact@TheFintechMap.com

Definitions

These Terms Of Service (the “Terms”, “Agreement”) are a binding contractual relationship between you (“you”, “your”, “person”, “user” “organization” or “parties”, will mainly be referred to as “you” or “your”) and The Fintech Map (“us”, “we”, “our”, “iDENTIFY” and the “Company”). By using this Service in any way you agree to accept all of the terms specified in this policy. They will remain in effect whilst you use our Service or use any Data from our Service. These Terms govern your access to the service and all use of data, maps, graphs or content, and other information on The Fintech Map's websites and applications.

“User” means any person or organization that uses the platform.

“Maps” means any static or interactive visualization generated by The Fintech Map.

“Data” means any information including names, descriptions, pdfs, videos, company information, financial information, private and public contact addresses and emails, logos, and other forms of information describing the quantity, quality, fact, statistics, other basic units of meaning, or simply sequences of symbols that may be further interpreted.

“Magic link” means an email with a link that provides access to the platform.

“Analytics” means the software used to track.

"Software" means the software identified in Part 1 of Schedule 1 (Software License Particulars).

1. Introduction and general terms

1.1 The Fintech Map reserves the right to refuse any user access to the Platform or Service or terminate access to any user at any time.

1.2 If you enter this Agreement on behalf of a legal entity or other company, you represent to us that you have the authority granted by set company to be bound by these Terms Of Service, and in this case “you” or “your” will refer to that company.

1.3 You may not access this service if you are directly competing with The Fintech Map unless you are given express consent by our management team.

1.4 Except if otherwise written, these Terms govern all contractual relations with all users and parties using this Service. Whenever any contract entered does not contain terms which explicitly supersede these Terms Of Service, our Terms Of Service will be used.

1.5 You agree to use the service only for the purposes that are permitted by these Terms Of Service and in accordance with any applicable law or generally accepted practices or guidelines of the relevant jurisdictions.

2. Will these Terms ever change?

2.1 We are constantly trying to improve our Service, so these Terms can and may need to change along with the Service. We reserve the right to change these Terms at any time, but if we change these Terms, we will bring it to your attention on The Fintech Map's website.

2.2 If you don’t agree with any new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use the Service. If you use the Service in any way after a change to these Terms is effective, that means you agree to all of the changes.

2.3 Except for changes by us as described here, no other amendments or modifications of these Terms will be effective unless in writing and signed by you and The Fintech Map.

3. Privacy

3.1 The Fintech Map takes the privacy of its users very seriously. To read our current Privacy Policy, please click here.

3.2 We reserve the right to make changes to our Privacy Policy at any point in the future. If we change our Privacy Policy, we will bring it to your attention on The Fintech Map’s website. If you don’t agree with all changes to the Privacy Policy, you are free to reject them; unfortunately, that means you will no longer be able to use the Service. If you use the Service in any way after a change to the Privacy Policy is effective, that means you agree to all of the changes

3.3 The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they collect personally identifiable information online from children who are under 13 years old. We do not knowingly collect the personal information of people under 13 years old. Please do not submit any personal information or attempt to register for this Service if you're under 13 years old. If you wish to register a company and are under 13 years old, please have the member of your team that registered the company do this. If we find out that we have information of somebody under the age of 13 years, we will delete this information on them as soon as we can. If you believe someone under the age of 13 has provided personal information please contact us at Contact@TheFintechMap.com.

4. Service agreement

4.1 When you use our Service, you will be required to sign up for an account and provide an email, which will use a magic link to grant access. You promise to provide us only information you know to be true, accurate, complete, and lawfully obtained. You may not sell or transfer your account to another person, party, or user. You have the responsibility to inform the Company of any unauthorized use of your account. You also promise not to impersonate someone by using their name on the Platform. You are responsible for any action undertaken by your account including, but not limited to: Data manipulation, hate speech, impersonation, insider trading, and any other illegal activity. You will only use this Service in a way that complies with all local and applicable laws, we are not responsible in any way for your use of this Service that breaks any laws. At any time we can delete Content we believe to be untrue, misleading, illegal, or otherwise not useful. You also represent that you are of legal age to use this Service and to create a binding contract.

4.2 If the Platform is down, we will offer as many days as the Platform is down as free for the next billing cycle, which can stack.

5. Restrictions

5.1 You represent, warrant, guarantee, agree, and comply that you will not (i) submit information to our Platform/Service or any other affiliated product of The Fintech Map, or (ii) use any product/service of ours in a way that:

(a) Infringes or violates the intellectual property rights or any other rights of anyone else;

(b) Violates any law or regulation, including any applicable export control laws;

(c) Is harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, hateful, misogynistic, homophobic, or otherwise objectionable;

(d) Puts your The Fintech Map account in any kind of threat of hacking or illegal use;

(e) Attempts to use any other user’s account, password or any other security information;

(d) Attempts to, or violates the security of our or any other computer network or cracks any passwords or security codes;

(g) Runs any form of auto-responder or “spam” on the Service, including automated messaging through our portal, or any processes that run or are activated while you are not logged into the Service, or that otherwise interfere with the proper working of the Service (including by placing an unreasonable load on the Service’s infrastructure);

(h) “Crawls,” “scrapes,” or “spiders” any page, Data, or portion of or relating to the Service or Content that is protected by copyright or you do not have explicit approval to use (through the use of manual or automated means), in other words, any deep-link, robot, spider or other automatic devices, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform or Content;

(i) Circumvents or attempts to circumvent any features, limitations, or restrictions of the Service (including, without limitation, attempting to access, download, export, or otherwise use or exploit any Content using any automated means or tools);

(j) Decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Service;

(k) Reproduces or circumvents the navigational structure or presentation of the Platform or any Content, to obtain or attempt to obtain any materials, documents, or information through any means not specifically made available through the Platform;

(l) Allows any unauthorized third parties or persons from accessing or using the Data in a way that would constitute a breach of these Terms;

(m) Uploads or distributes files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Platform or Service;

(n) Utilizes the Data for any purpose or project other than the permitted use as set forth in these Terms;

(o) Commercially exploit the Platform, in any manner, that shall constitute a business loss to us or generate any third-party revenue.

5.2 A violation of any of the preceding terms (a) - (o) are grounds for account suspension or termination of your license to use or access the Service. The following is highlighted as a significant passage with punitive measures that can be triggered if this section is ignored:

5.3 No user can make use of the Map functionality to create a public (public, in this case, means accessible to anyone outside the user’s organization) fintech Map or any kind of Map that can be used for marketing, without prior consent and approval of The Fintech Map. Any user who has used our technology to create public Maps without approval will be subject to pay damages to any of The Fintech Map's customers who have paid for public rights and damages to The Fintech Map beginning at GBP (£) 10,000 per breach.

6. Intellectual property and copyright

6.1 The Fintech Map shall at all times retain full ownership and all rights in respect of all intellectual property it owns and which relates to the website.

6.2 Any materials that are shown or displayed or visible or available through our Service, including, but not limited to, text, graphics, Data, articles, information, photos, images, illustrations, user submissions (all of the foregoing, the “Content”) are protected by copyright and intellectual property laws. You confirm you will comply with all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Service in any way. You will not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, or otherwise exploit for any purpose any Content not owned by you in a way that violates someone else’s (including The Fintech Map’s) rights.

6.3 You understand that The Fintech Map owns and runs the Service. You won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this section), create derivative works based on, resale, sublicense, re-distribute, or otherwise exploit any aspect of the Service. If you would like to use Content in any manner other than as expressly permitted by these Terms please email Contact@TheFintechMap.com so we can set out a bespoke Terms Of Service document.

6.4 We respect all others’ intellectual property rights and will comply with any lawful request to remove lawfully protected Content from our servers. We reserve the right to remove or disable any Content that we deem to be infringing others’ intellectual property and terminate any accounts guilty of this.

6.5 This Agreement grants no implied license, right, or interest in or to any copyright, patent, trade secret, trademark, URL, domain, invention, or other intellectual property rights of The Fintech Map.

6.6 All present and future rights in and to any trade secrets, copyright, trademark, or any other proprietary material contained in the Platform shall continue to remain the sole property of The Fintech Map, even after the discontinuation.

7. Data Use

For the full Privacy Policy and to see how we use and collect Data, please see our complete Privacy Policy.

7.1 Any data you upload, share, or store through our Service, will be shared publicly if submitted to a public Map. A Map can be made public at the discretion of the User(s) who own it. Users who own maps can also keep certain fields of data only visible to themselves or their admins. Users decide which data is private and which is public at their sole discretion. They are responsible for the public or private status of their data.

7.2 For all data, you hereby grant The Fintech Map a royalty-free, perpetual, sublicensable, and worldwide license to translate, modify (including, without limitation, for technical purposes), reproduce, and otherwise act with respect to such user submissions, in each case to enable us to operate the Service, as described in more detail below.

7.3 All data provided by you with an intention to use the Service or updates provided by companies or people you request, is your data and will only be used to provide you service. We will delete any of the data you provide upon request at any point and have it purged from our servers.

7.4 The Fintech Map is compliant with GDPR and will honor any lawful deletion requests. If you believe we have information collected on you and would like it to be deleted, please contact Contact@TheFintechMap.com and make sure to read our Privacy Policy.

7.5 You agree you will comply with GDPR and allow your users to request to delete any personal information pertaining to themselves. You also guarantee any data you provide is done so in compliance with GDPR.

7.6 The Fintech Map reserves the right to apply analytics on the platform to track how users engage with the platform.

7.7 Any user who provides an email address as means of login and authentication affirms they are legally allowed to use this email address and agrees to have their interactions on the platform logged for internal use to improve the performance and functionality of the platform.

8. Non-exclusive license

8.1 The Fintech Map grants a non-exclusive, non-transferable, non-sub-licensable, and/or limited license to access the Service, solely for your use. You agree that you shall not claim any ownership in or rights to The Fintech Map including the Data or Content originated by The Fintech Map. Other than the License to access the Service, you shall not have any right, title, or interest in The Fintech Map.

8.2 Dockerized App: If The Fintech Map provides on-premise or dockerized app container services to a user it is only to be used internally for the entity listed on the contractual document. It is a breach of contractual and IP rights if re-sold in any way, and nothing in this agreement gives the right to re-sell any of The Fintech Map’s products and any resale of this voids the contract and comes with a penalty fee of GBP(£) 200,000 (two hundred thousand pounds). Any dockerized app or on-premise use may not be used outside the organization’s internal internet (intranet) and or servers or shared with anyone who is not a contractor or employee of the organization without the expressed permission of The Fintech Map. Any unauthorized use of the tool publicly is met with a penalty fee of GBP(£) 400,000 four hundred thousand pounds).

9. Confidentiality

9.1 For the purposes of these Terms Of Service, “Confidential Information” is defined as written business information, strategies, technical data, information, trade secrets, and/or other proprietary information of the Company relating to the product or process that is a part of the Company that is not disclosed to the public in the ordinary course of business and may or may not be marked as “Confidential Information”.

9.2 You agree to keep confidential all the information that you may have access to and/or possess by using our Platform or Services. Such confidential information shall, without limitation, include information relating to technical, contractual, product, and pricing matters, as well as other valuable information that should be reasonably understood as confidential.

9.3 The Fintech Map agrees to keep confidential all information defined as written business information, strategies, technical data, information, trade secrets, and/or other proprietary information of the user.

9.4 You hereby agree to use the same degree of care that you use to protect your own confidential information and will not use the Confidential Information, except for its intended use, and will not disclose to third parties said Confidential Information except upon written permission of the Company or where otherwise required by law. The Fintech Map is and shall remain the owner of said Confidential Information and, upon termination of your subscription you will return any Confidential Information to The Fintech Map. Your obligations relating to Confidential Information shall not extend to information which: (a) is in or comes into the public domain from a source other than the Company; (b) was independently known or developed by you or already possessed by you at the time of disclosure; (c) came from a third party source, not under obligation to Company to maintain the confidentiality thereof; and/or (d) is required to be disclosed by operation of law.

10. Change of Service

10.1 Changes to the Service may happen over time. We may suspend or discontinue any part of the Service, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Service. We’ll aim to give you notice when we make any major or material changes to the Service that would adversely affect you, but this isn’t always practical. Similarly, we reserve the right to remove any Content from the Service at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of these Terms), to our sole discretion, and without notice.

11. Pricing

11.1 We reserve the right to charge for all services. You agree to pay all fees which apply to your use of the Service. The Fintech Map reserves the right to change any fees and pricing applicable to the Service at any time upon notice to you (which may be sent by email or posted on The Fintech Map's website). Your continued use of the Service following such notification constitutes your acceptance of any new or increased fees.

11.2 Any one-off contracts and payments can be ended by The Fintech Map after 12 months, in the event of company sale, if hosting fees of the firm go up, or business or economic conditions change, or it affects any recurring billing clients. This clause forms the basis for any implied contracts even in writing. This clause does not have any bearing on SaaS clients who pay monthly fees.

12. Disclaimer of warranties and liabilities

12.1 These Terms apply to your use of all the Service and any related products, on any platform or device.

12.2 You expressly understand and agree that your use of the Platform and Service is at your sole risk and that the services are provided “as is” and “as available” without warranty of any kind, express, implied, statutory, or otherwise.

12.3 The Fintech Map's subsidiaries or affiliates do not represent or warrant to you that, (i) the Platform and your use of the services shall meet your requirements, (ii) your use of the Platform or services shall be free from error, timely, secure, or uninterrupted, or (iii) any errors or defects in the services or the Platform will be corrected. No advice or information, whether oral or written, obtained by you from the Company or through or from the use of the Services shall create any warranty not expressly stated in the Terms Of Service. We will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Service. We (and our licensors and suppliers) make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through the Service. Products and services purchased or offered (whether or not following such recommendations and suggestions) through the Service are provided “as is” and without any warranty of any kind from The Fintech Map or others (unless, with respect to such others only, provided expressly and unambiguously in writing by a designated third party for a specific product).

12.4 The Fintech Map will not be liable for any loss that you may incur as a consequence of unauthorized use of your account or account information in connection with the Platform or any services, either with or without your knowledge. The Fintech Map shall not be responsible for the delay or inability to use the Platform or related functionalities, failure to provide functionalities, or for any information, software, functionalities, and related graphics obtained through the Platform, or otherwise arising out of the use of the Platform, whether based on contract, tort, negligence, strict liability or otherwise. Further, The Fintech Map shall not be held responsible for the non-availability of the Platform during periodic maintenance operations or any unplanned suspension of access to the Platform that may occur due to technical reasons or for any reason beyond The Fintech Map’s control. The Fintech Map accepts no liability for any errors or omissions, with respect to any information provided to you whether on behalf of itself or third parties.

12.5 Any information or Content publicly posted or privately transmitted through the Service is the sole responsibility of the person or organization from whom such Content originated, and you access all such information and Content at your own risk, and we aren’t liable for any errors or omissions in that information or Content or for any damages or loss you might suffer in connection with it. We cannot control and have no duty to take any action regarding how you may interpret and use the Content or what actions you may take as a result of having been exposed to the Content, and you hereby release us from all liability for you having acquired or not acquired Content through the Service. We can’t guarantee the identity of any users with whom you interact when using the Service and are not responsible for which users gain access to the Service.

12.6 You are responsible for all Content you contribute, in any manner, to the Service, and you represent and warrant you have all rights necessary to do so, in the manner in which you contribute it. You will keep all your registration information accurate and current. You are responsible for all your activity in connection with the Service. The Service may contain Content, Data, links, or connections to or from third-party websites or services that are not owned or controlled by The Fintech Map (“Third-Party Services”). When you access or use Third-Party Services, you accept that there are risks in doing so and that The Fintech Map is not responsible for such risks. We encourage you to be aware when you leave the Service and to read the terms and conditions and privacy policy of each Third-Party Service that you visit or utilize.

12.7 The Fintech Map is only a facilitator amongst its clients/registered users. Any contract between you and any other registered user on the Platform shall be strictly a contract between you and such registered user(s) and The Fintech Map shall not be a party to the same. This may also include certain offline services which may be provided by the Company, which shall provide an opportunity for the users of the Platform to interact with other registered users of the Platform in an offline mode. The risk of any losses or damages incurred by you due to any such contract or usage of any information or Data provided on the Platform shall be solely upon you. The Company shall not and is not required to mediate or resolve any dispute or disagreement between you and such registered user(s).

12.8 If there is a dispute between participants on this site, or between users and any third party, you agree that The Fintech Map is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release The Fintech Map and its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Service.

12.9 Any material or data downloaded or otherwise obtained through the use of the Platform is obtained at your own discretion and risk. You shall be solely responsible for any damage to your computer system or other device or loss of data that results from the download of any such material or data.

12.10 Indemnity. You agree to indemnify and hold The Fintech Map, its affiliates, officers, agents, employees, and partners harmless from and against any and all claims, liabilities, damages (actual and consequential), losses, and expenses (including attorneys’ fees) arising from or in any way related to any third party claims relating to (a) your use of the Service (including any actions taken by a third party using your account), and (b) your violation of these Terms.

12.11 Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Service account, in any way (by operation of law or otherwise) without The Fintech Map’s prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

12.12 Limitation of liability. To the fullest extent allowed by applicable law, under no circumstances and under no legal theory (including, without limitation, tort, contract, strict liability, or otherwise) shall The Fintech Map (or its licensors or suppliers) be liable to you or to any other person for (a) any indirect, special, incidental, or consequential damages of any kind, including damages for lost profits, loss of goodwill, work stoppage, the accuracy of results, or computer failure or malfunction, or (b) any amount, in the aggregate, in excess of the greater of (i) $100.00 USD or (ii) the amounts paid by you to The Fintech Map in connection with the services in the twelve (12) month period preceding this applicable claim, or (iii) any matter beyond our reasonable control. Some states do not allow the exclusion or limitation of certain damages, so the above limitation and exclusions may not apply to you.

12.13 Choice of Law; Arbitration. These Terms are governed by and will be construed under the laws of the United States. Any dispute arising from or relating to the subject matter of these Terms (whether brought against The Fintech Map or against any director, officer, or employee of The Fintech Map in their personal capacity) shall be finally settled in Tulsa, Oklahoma, USA.

12.14 Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Service provided that The Fintech Map may, in its sole discretion, do any of the foregoing on your behalf or for itself as it sees fit. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and The Fintech Map agree that these Terms are the complete and exclusive statement of the mutual understanding between you and The Fintech Map and that it supersedes and cancels all previous written and oral agreements, communications, and other understandings relating to the subject matter of these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of The Fintech Map, and you do not have any authority of any kind to bind The Fintech Map in any respect whatsoever. You and The Fintech Map agree there are no third-party beneficiaries intended under these Terms.

Privacy Policy of The Fintech Map

The Fintech Map collects some Personal Data from its Users.

This document can be printed for reference by using the print command in the settings of any browser.

Owner and Data Controller

GOiDENTIFY, LLC
110 South Hartford Avenue, Suite 2509

Tulsa, OK 74120

Owner contact email: Contact (at) TheFintechMap (dot) com

Types of Data collected

Among the types of Personal Data that The Fintech Map collects, by itself or through third parties, there are: Cookies; Usage Data; email address; country.

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.

Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using The Fintech Map.

Unless specified otherwise, all Data requested by The Fintech Map is mandatory and failure to provide this Data may make it impossible for The Fintech Map to provide its services. In cases where The Fintech Map specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.

Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.

Any use of Cookies – or of other tracking tools – by The Fintech Map or by the owners of third-party services used by The Fintech Map serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document and in the Cookie Policy, if available.

Users are responsible for any third-party Personal Data obtained, published, or shared through The Fintech Map and confirm that they have the third party's consent to provide the Data to the Owner.

Mode and place of processing the Data

Methods of processing

The Owner takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.

The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Owner, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of The Fintech Map (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Owner at any time.

Legal basis of processing

The Owner may process Personal Data relating to Users if one of the following applies:

• Users have given their consent for one or more specific purposes. Note: Under some legislations, the Owner may be allowed to process Personal Data until the User objects to such processing (“opt-out”), without having to rely on consent or any other of the following legal bases. This, however, does not apply, whenever the processing of Personal Data is subject to European data protection law;
• provision of Data is necessary for the performance of an agreement with the User and/or for any pre-contractual obligations thereof;
• processing is necessary for compliance with a legal obligation to which the Owner is subject;
• processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Owner;
• processing is necessary for the purposes of the legitimate interests pursued by the Owner or by a third party.

In any case, the Owner will gladly help to clarify the specific legal basis that applies to the processing, and in particular, whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Place

The Data is processed at the Owner's operating offices and in any other places where the parties involved in the processing are located.

Depending on the User's location, data transfers may involve transferring the User's Data to a country other than their own. To find out more about the place of processing of such transferred Data, Users can check the section containing details about the processing of Personal Data.

Users are also entitled to learn about the legal basis of Data transfers to a country outside the European Union or to any international organization governed by public international law or set up by two or more countries, such as the UN, and about the security measures taken by the Owner to safeguard their Data.

If any such transfer takes place, Users can find out more by checking the relevant sections of this document or inquiring with the Owner using the information provided in the contact section.

Retention time

Personal Data shall be processed and stored for as long as required by the purpose they have been collected for.

Therefore:

• Personal Data collected for purposes related to the performance of a contract between the Owner and the User shall be retained until such contract has been fully performed.
• Personal Data collected for the purposes of the Owner’s legitimate interests shall be retained as long as needed to fulfill such purposes. Users may find specific information regarding the legitimate interests pursued by the Owner within the relevant sections of this document or by contacting the Owner.

The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, the Owner may be obliged to retain Personal Data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

Once the retention period expires, Personal Data shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification, and the right to data portability cannot be enforced after expiration of the retention period.

The purposes of processing

The Data concerning the User is collected to allow the Owner to provide its Service, comply with its legal obligations, respond to enforcement requests, protect its rights and interests (or those of its Users or third parties), detect any malicious or fraudulent activity, as well as the following: Analytics, Contacting the User, Managing contacts and sending messages, Tag Management, Hosting and backend infrastructure and Infrastructure monitoring.

For specific information about the Personal Data used for each purpose, the User may refer to the section “Detailed information on the processing of Personal Data”.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

Google Analytics (Google LLC)

Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of The Fintech Map, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
Personal Data processed: Cookies; Usage Data.
Place of processing: United States – Privacy Policy – Opt Out.

Hosting and backend infrastructure

This type of service has the purpose of hosting Data and files that enable The Fintech Map to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of The Fintech Map. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.

Heroku (Heroku, Inc.)

Heroku is a hosting service provided by Heroku, Inc.
Personal Data processed: various types of Data as specified in the privacy policy of the service.
Place of processing: Germany – Privacy Policy.

Amazon Web Services (AWS) (Amazon Web Services, Inc.)

Amazon Web Services (AWS) is a hosting and backend service provided by Amazon Web Services, Inc.
Personal Data processed: various types of Data as specified in the privacy policy of the service.
Place of processing: Germany – Privacy Policy.

Infrastructure monitoring

This type of service allows The Fintech Map to monitor the use and behavior of its components so its performance, operation, maintenance, and troubleshooting can be improved.

Which Personal Data are processed depends on the characteristics and mode of implementation of these services, whose function is to filter the activities of The Fintech Map.

Airbrake (Airbrake Technologies, Inc.)

Airbrake is a monitoring service provided by Airbrake Technologies, Inc.
Personal Data processed: various types of Data as specified in the privacy policy of the service.
Place of processing: United States – Privacy Policy.

Registration and authentication

By registering or authenticating, Users allow The Fintech Map to identify them and give them access to dedicated services.
Depending on what is described below, third parties may provide registration and authentication services. In this case, The Fintech Map will be able to access some Data, stored by these third-party services, for registration or identification purposes.
Some of the services listed below may also collect Personal Data for targeting and profiling purposes; to find out more, please refer to the description of each service.

Google OAuth (Google Ireland Limited)

Google OAuth is a registration and authentication service provided by Google Ireland Limited and is connected to the Google network.
Personal Data processed: various types of Data as specified in the privacy policy of the service.
Place of processing: Ireland – Privacy Policy.

The Rights of Users

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, Users have the right to do the following:

• Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
• Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Further details are provided in the dedicated section below.
• Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing.
• Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected.
• Restrict the processing of their Data. Users have the right, under certain circumstances, to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
• Have their Personal Data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their Data from the Owner.
• Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used, and machine-readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User's consent, on a contract which the User is part of or on pre-contractual obligations thereof.
• Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner, or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.

Additional information about Data collection and processing

Legal action

The User's Personal Data may be used for legal purposes by the Owner in Court or in the stages leading to possible legal action arising from improper use of The Fintech Map or the related Services.

The User declares to be aware that the Owner may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data

In addition to the information contained in this privacy policy, The Fintech Map may provide the User with additional and contextual information concerning particular Services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, The Fintech Map and any third-party services may collect files that record interaction with The Fintech Map (System logs) and use other Personal Data (such as the IP Address) for this purpose.

Information not contained in this policy

More details concerning the collection or processing of Personal Data may be requested from the Owner at any time. Please see the contact information at the beginning of this document.

How “Do Not Track” requests are handled

The Fintech Map does not support “Do Not Track” requests.

To determine whether any of the third-party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy

The Owner reserves the right to make changes to this privacy policy at any time by notifying its Users on this page and possibly within The Fintech Map and/or - as far as technically and legally feasible - sending a notice to Users via any contact information available to the Owner. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom.

Should the changes affect processing activities performed on the basis of the User’s consent, the Owner shall collect new consent from the User, where required.

This privacy policy was last modified and reviewed on July 3, 2023. 

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