TUNINGBILL LIMITED WEBSITE PRIVACY and Terms of service

  1. TUNINGBILL
    1. TuningBill Inc., a Delaware Corporation (“TuningBill”) is anaffiliate of TuningBill Limited, company #11720342, registered in England and Wales, UK (“TUNINGBILL”,“we”“,“our”“, or “us”“) operates a digital banking as a service platform. TuningBill operates the Platform as a service through the Website www.tuningbill.com (the “TUNINGBILL Service“).
  2. COPYRIGHT
    1. Copyright in the content of and the publications in this website are owned by TuningBill Limited or any other individual or firm given explicit rights of use.
    2. Any download or printing for the ease of viewing or reading is allowed as far as the contents are not distributed for any commercial purposes.
    3. Any other usage including copy, storage, exchanging of the information with any other third party, publication on mass media, without our consent is prohibited.
    4. If you do not agree to these Terms of Service, please do not browse or otherwise access or use the TuningBill Service.
    5. This site cannot be referred to or linked with any other third party without the consent our legal consent. Please write to us at info@tuningbill.com for any such consent.
    6. Due to the intrinsic nature of transmission of data or information on internet, we are unable to ascertain continuous availability of the information on this website for such obstructions that are beyond our control. We do not accept any liability for the accuracy and efficiency of the information dissemination from this website or any other website linked from here.
  3. Legal Jurisdiction
    1. This website and its operation are governed by English law.
    2. For users in the This website located in the United States, any disputes arising through the usage of this website or the services provided here are subject to the exclusive jurisdiction of the courts of Mecklenburg County, North Carolina unless otherwise specifically designated in the Platform User Agreement.
    3. For all other users, any disputes arising through the usage of this website or the services provided here are subject to the exclusive jurisdiction of the courts of England and Wales unless otherwise specifically designated in the Platform User Agreement.
  4. Privacy
    1. We are committed to protecting and respecting your privacy. We are registered with the Information Commissioner’s Office under registration reference A8442591 and comply with the Data Protection Act 1988, the EU General Data Protection Regulations as well as the California Consumer Privacy Act (‘The Acts’). All personal data provided by you through our platform or through any other means of communication is dealt with in accordance with the Acts.
    2. This data policy and our terms of service document sets out the basis on which we collect, process and use your data to provide you the best of our services.
    3. We are a tri-party platform and require the information of the three parties mentioned in our terms of service to provide our customers a unique buy and sell experience in cross-border invoice financing. The information we collect from you and from any other third parties allow us to perform our agreement with you. We may use third party services such as banking and brokerage services to carry out due diligence, compliance, identity verification, business checks and credit checks. This requires us to use the data provided by you to be shared with our trusted partners.
    4. The sharing of your information with our trusted partners help us avoid frauds and money laundering and safeguards our customers interests. This privacy policy and the terms of service agreement are a pre-requite for us to be able to provide you our services and by agreeing to use our services you agree to our privacy policy and our terms of services.
  5. Information collection
    1. Our customer registration process requires you to provide your company and personal information. The terms of service provide details of such information for each type of the user.
    2. In addition to the explicitly provided information through the portal, we may also collect technical information such as the Internet protocol (IP) address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform etc. We may also collect information such as Uniform Resource Locators (URL), browsing behaviours and browsing methodology.
    3. If a contact is made through the phone, we may record our calls for training and service improvement purposes.
    4. We may collect information about you from our business partners such as credit agencies, search companies, advertising networks, analytics firms, public companies such as companies house, accounting firms, legal firms etc. This allows us to avoid frauds and improve the credit quality of the platform participants which in turn improves the customer experience.
    5. We may contact and collect information about you from any third part you would have referred to in your application or registration on the platform.
  6. Third party data
    1. Wherever you provide us data about a third party, including your employees and business partner, and in which case you are not the owner of that data, it is your duty to obtain their consent and you are the sole party responsible for the legal compliance for the purposes of the usage of such data. You must ensure that you obtain requisite consent on the behalf of your third party with respect to the usage of such data at our platform.
  7. Cookies
    1. We use cookies for customer identification and enhance customer experience on the website. By continuing to browse the sites, you are agreeing to our use of cookies.
    2. A cookie is an information stored on your computer’s hard drive and requires your acceptance. If you do not agree with this cookie policy, you may choose to leave the website immediately.
    3. The cookies stored on your hard drive are used for the smooth functioning of the website and to enhance the customer experience such as remembering the user preferences, enhancing the security, faster login.
    4. The cookies can also help us with analysing your preferences in terms of the pages or sections of the website you spend most time, the views you like most, etc.
    5. You may block the cookies through your browser settings, however, we may not ensure the availability of the full functionality of our website to you.
  8. Data usage
    1. The information we hold about our users may be used to:
    • provide information about new products and enhancement of the existing products;
    • improve the user experience of our website or platform;
    • run our administrative and operational processes as well as the testing of new features;
    • carry out statistical and data analytics to further the product coverage and structure new products;
    • keep our platform safe and secure from any malicious attacks;
    • provide the users with regular and on-demand reports and analysis;
    • carry our identity checks, compliance checks and business checks;
    • provide relevant information to the regulators if they demand any such information.
  9. Data share
    1. We may share your personal information across our group (including holding company or subsidiaries) as defined in section 1159 of the UK Companies Act 2006.
    2. We may share your information with selected third parties such as advertisers, advertising networks, analytics companies, credit bureau, compliance companies, other users such as investors who may need to know the credit quality of an underwriter, software vendors integrated with our system.
    3. Your rights to access or alter are fully protected as far as the usage of your data is concerned while it is saved with us though we may retain all versions of your data for our records.
    4. We share your information with credit agencies to ascertain your credit quality if you are an invoice seller or payer.
    5. We share your information with our compliance partners who check the users for money laundering, terrorist financing, political connections or any fraud either related to the company or to the people of significant exposure to the company in the case of a company being the user or related to the individual if the individual is the registered user.
    6. We do not sell user data.
  10. Data storage
    1. Your data may be stored, transferred or processed outside the European Economic Area (“EEA”). By agreeing to our terms of services and privacy policies you agree to the transfer, storing or processing of your data outside the EEA. We take all measures to ensure that your data is fully secure.
    2. You are required as a user to keep your personal key to access the system safe and secure and will not share the information with any external agency.
    3. The internet is not completely secure and though we do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites. We encourage our users to ensure that they have latest anti-virus software installed on their computers. We would only be liable for the security of your information once it arrives to us. Once we have received your information, we use strict policies and procedures to prevent unauthorised access to your information.
  11. Your rights
    1. You have full rights to access, prevent further processing, delete, and complaint against unfair usage of all data related to you and that is stored with us. These rights are within the legal constraints of sharing your data with regulatory and legal authority for the larger good of detection and prevention of frauds and crimes.
  12. Data retention
    1. We will retain your personal data on our electronic systems for as long as we do business with you and for up to 6 years after we have ceased to do business with each other. We may retain any asset related contracts between us or between you and other customers for a longer period of up to 12 years. Any hard copy of your data would be retained and destroyed on the same timeline with the help of an independent 3rd party. The data retention period will not be a factor driven by our policy if you are part of any criminal or fraud investigation by the ICO or other regulators or legal authorities.
  13. Site access and user-id and password
    1. You are always required to keep your user-id and password extremely secure and not share the same with any other third party.
    2. If we find any activity under your login to be suspicious, we hold the right to temporarily suspend the website until the access has been deemed to be safe and secure for re-opening.
    3. You must inform us at info@tuningbill.com as soon as you are suspicious of any malicious access to your account.
  14. Intellectual property
    1. We are the owner or the licensee of all the intellectual property rights on our sites or platform. We own all the materials published on it and any information downloaded from our website cannot be reproduced, modified or reused.
    2. We are the owner of our logo, name, style, text, pictures, processes, technology. They cannot be re-used by you either for commercial or for non-commercial reasons.
  15. Complaints and Customer Services
    1. Please contact us in relation to any complaints or suggestion about these our privacy policy or terms of services or any other document relevant to your relationship with TuningBill. We will strive to update our Terms of Service if we find it fit for our Clients without any obligation of compensation or right assigned to you for those suggestions. You may reach us info@tuningbill.com.
 

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