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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<html>
<head>
<meta http-equiv="content-type" content="text/html; charset=utf-8"/>
<title>Our Privacy Policy</title>
<meta name="author" content="Michael Widmer"/>
<meta name="created" content="2019-12-11T15:01:00"/>
</head>
<body>
<h1>Privacy Policy</h1>
<p>
Last Updated: 11.12.2019
</p>
<p>
This
Privacy Policy describes the policies and procedures of Taler Systems
SA (“we,” “our,” or “us”) pertaining to the collection,
use, and disclosure of your information on our sites and related
mobile applications and products we offer (the “Services” or
“Taler Wallet”). This Privacy Statement applies to your personal
data when you use our Services, and does not apply to online websites
or services that we do not own or control.
</p>
<h2>OVERVIEW</h2>
<p>Your
privacy is important to us. We follow a few fundamental principles:
We don’t ask you for personally identifiable information (defined
below). That being said, your contact information, such as your phone
number, social media handle, or email address (depending on how you
contact us), may be collected when you communicate with us, for
example to report a bug or other error related to the Taler Wallet.
We don’t share your information with third parties except when
strictly required to deliver you our Services and products, or to
comply with the law. If you have any questions or concerns about this
policy, please reach out to us at privacy@taler-systems.net.
</p>
<h2>HOW YOU ACCEPT THIS POLICY</h2>
<p>By
using our Services or visiting our sites, you agree to the use,
disclosure, and procedures outlined in this Privacy Policy.
</p>
<h2>WHAT PERSONAL INFORMATION DO WE COLLECT FROM OUR USERS?</h2>
<p>The
information we collect from you falls into two categories: (i)
personally identifiable information (i.e., data that could
potentially identify you as an individual) (“Personal
Information”), and (ii) non-personally identifiable information
(i.e., information that cannot be used to identify who you are)
(“Non-Personal Information”). This Privacy Policy covers both
categories and will tell you how we might collect and use each type.
</p>
<p>We
do our best to not collect any Personal Information from Taler Wallet
users. We believe that the Taler Wallet never transmits personal
information to our services without at least clear implied consent,
and we only process and retain information with a strict business
need. That being said, when using our Services, we inherently have
to collect the following information:
</p>
<p>
<ul>
<li>Bank
account details necessary when receiving funds from you to top-up
your wallet or to transfer funds to you when you are being paid via
Taler. At the current experimental stage, only the pseudonym and
password you entered in the bank demonstrator is stored.</p>
<li>The
amounts being withdrawn or deposited, with associated unique
transaction identifiers and cryptographic signatures authorizing the
transaction. Note that for purchases, we cannot identify the buyer
from the collected data, so when you spend money, we only receive
non-personal information.</p>
<li>When
you contact us. We may collect certain information if you choose to
contact us, for example to report a bug or other error with the
Taler Wallet. This may include contact information such as your
name, email address or phone number depending on the method you
choose to contact us. </p>
</ul>
</p>
<h2>HOW WE COLLECT AND PROCESS INFORMATION</h2>
<p>We may process your information for the following reasons:</p>
<p>
<ul>
<li>to
transfer money as specified by our users (Taler transactions);</p>
<li>to
assist government entities in linking income to the underlying</p>
<li>to
support you using the Taler Wallet or to improve our Services</p>
</ul>
</p>
<h2>HOW WE SHARE AND USE THE INFORMATION WE GATHER</h2>
<p>We
may share your Personal Data or other information about you only if
you are a merchant receiving income, with your bank, to the degree
necessary to execute the payment.</p>
<p>We
retain Personal Data to transfer funds to the accounts designated by
our users. We may retain Personal Data only for as long as mandated
by law and required for the wire transfers.</p>
<p>We
primarily use the limited information we receive directly from you to
enhance the Taler Wallet. Some ways we may use your Personal
Information are to: Contact you when necessary to respond to your
comments, answer your questions, or obtain additional information on
issues related to bugs or errors with the Taler Wallet that you
reported.</p>
<h2>AGENTS OR THIRD PARTY PARTNERS</h2>
<p>We
may provide your Personal Information to our employees, contractors,
agents, service providers, and designees (“Agents”) to enable
them to perform certain services for us exclusively, including:
improvement and maintenance of our software and Services. By
accepting this Privacy Policy, as outlined above, you consent to any
such transfer.
</p>
<h2>PROTECTION OF US AND OTHERS</h2>
<p>We
reserve the right to access, read, preserve, and disclose any
information that we reasonably believe is necessary to comply with
the law or a court order.
</p>
<h2>WHAT PERSONAL INFORMATION CAN I ACCESS OR CHANGE?</h2>
<p>You
can request access to the information we have collected from you. You
can do this by contacting us at privacy@taler-systems.net. We will
make sure to provide you with a copy of the data we process about
you. To comply with your request, we may ask you to verify your
identity. We will fulfill your request by sending your copy
electronically. For any subsequent access request, we may charge you
with an administrative fee. If you believe that the information we
have collected is incorrect, you are welcome to contact us so we can
update it and keep your data accurate. Any data that is no longer
needed for purposes specified in the “How We Use the Information We
Gather” section will be deleted after ninety (90) days.
</p>
<h2>DATA RETENTION</h2>
<p>If
you uninstall the Taler Wallet mobile applications from your device,
or request that your information be deleted, we still may retain some
information that you have provided to us to maintain the Taler Wallet
or to comply with relevant laws.
</p>
<h2>DATA SECURITY</h2>
<p>We are committed to making sure your information
is protected. We employ several physical and electronic safeguards to
keep your information safe, including encrypted user passwords, two
factor verification and authentication on passwords where possible,
and securing connections with industry standard transport layer
security. You are also welcome to contact us using GnuPG encrypted
e-mail. Even with all these precautions, we cannot fully guarantee
against the access, disclosure, alteration, or deletion of data
through events, including but not limited to hardware or software
failure or unauthorized use. Any information that you provide to us
is done so entirely at your own risk.</p>
<h2>CHANGES AND UPDATES TO PRIVACY POLICY</p>
<p>We
reserve the right to update and revise this privacy policy at any
time. We occasionally review this Privacy Policy to make sure it
complies with applicable laws and conforms to changes in our
business. We may need to update this Privacy Policy, and we reserve
the right to do so at any time. If we do revise this Privacy Policy,
we will update the “Effective Date” at the bottom of this page so
that you can tell if it has changed since your last visit. As we
generally do not collect contact information and also do not track
your visits, we will not be able to notify you directly. However, the
Taler Wallet may inform you about a change in the privacy policy once
it detects that the policy has changed. Please review this Privacy
Policy regularly to ensure that you are aware of its terms. Any use
of our Services after an amendment to our Privacy Policy constitutes
your acceptance to the revised or amended agreement.
</p>
<h2>INTERNATIONAL USERS AND VISITORS</h2>
<p>Our
Services are hosted in Switzerland. If you are a user accessing the
Services from the European Union, Asia, US, or any other region with
laws or regulations governing personal data collection, use, and
disclosure that differ from Swiss laws, please be advised that
through your continued use of the Services, which is governed by
Swiss law, you are transferring your Personal Information to
Switzerland and you consent to that transfer.
</p>
<h2>QUESTIONS</h2>
<p>Please
contact us at privacy@taler-systems.net if you have questions about
our privacy practices that are not addressed in this Privacy
Statement.
</p>
</body>
</html>
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