Introduction
Harvv, Inc. respects your privacy and is committed to protecting
your Personal Data. This Privacy Policy will inform you as to how
we look after your Personal Data when you visit our Platform
(regardless of where you visit it from) and/or use our Services.
Please read this Privacy Policy carefully before using the
Platform (and/or Services) or submitting any information to us. If
you do not agree to any part of this Privacy Policy, you shall
immediately cease accessing our Platform or using any of our
Services.
Definitions
“Comply with a legal or regulatory obligation”
means processing your Personal Data where it is necessary for
compliance with a legal or regulatory obligation that we are
subject to.
“Data” means personal and
non-personal User’s data that is submitted, generated, featured
and displayed through the Platform, collected from the use of the
Service and stored on Harvv, Inc. servers.
“Legitimate Interest” means the
interest of our business in conducting and managing our Services
to enable us to give you the best Service and the best and most
secure experience.We consider and balance any potential impact on
you and your rights before we process your Personal Data for our
legitimate interests.
“Performance of our Services”
means processing your Data where it is necessary for the
performance of ourServices.
“Personal Data” means
information that specifically identifies an individual (such as a
name, address, photo, telephone number, mobile number, e-mail
address, birthday, office location, professional and personal
interests, company name, title department, spoken languages) or
information about that individual that is directly linked to
personally identifiable information.
“Platform” means any online
tool provided, processed and/or maintained by Harvv, Inc.
(including, but not limited to, all sub-pages and subdomains, all
content, Services and products available at or through Harvv, Inc.
website located at and/or its mobile application, and/or any other
related domain offering access to, or facilitating the provision
of, the Services).
“Privacy Policy” means all of
the privacy policies, practices and notices contained or
referenced in this document (as amended from time to time) and all
other Harvv, Inc. rules, and policies available on the Platform
that may be published from time to time on thePlatform.
“Service” means the online
and/or offline services provided by Harvv, Inc. for the provision
and use of the technology that Harvv, Inc. has developed to
facilitate the provision of micro lending services.
“Platform” means the website or
application through which the Personal Data of the User is
collected and processed.
“User”,
“you”, and
“your” collectively mean the
person, company, or organization using this Platform who, unless
otherwise specified, coincides with the Data Subject.
1. Important information and who we are
1.1: Purpose of this Privacy Policy
This Privacy Policy aims to give you information on how Harvv,
Inc. collects and processes your Personal Data through your use of
the Platform, including any Data you may provide through the
Platform when you register an Account, use any Service and/or sign
up to our newsletter, as well as installing and signing up to any
Harvv, Inc. mobile application.
Our Platform is not intended for any natural person under the age
of 18 and we do not knowingly collect Data relating to any natural
person under the age of 18.
This Privacy Policy applies to the Platform and the website you
are currently viewing. By clicking on the “Accept” button, you;
(i) agree irrevocably and without condition to this Privacy
Policy, and (ii) consent to your PersonalData being collected,
used and disclosed as set out in this Privacy Policy.
You consent to us posting and using any photographs, content
and/or Personal Data you might upload on our Platform or have
otherwise provided consent to publish on our Platform, blog, in
our marketing material or social media channels, which we may use
in order to provide information on our Services and/or products,
the marketing of our Services and/or products or for the purpose
of our functions and/or activities.
It is important that you read this Privacy Policy together with
the Harvv, Inc. UserTerms available at our Platform which may be
amended from time to time.
1.2: Changes to the Privacy Policy and your duty to inform us of
any changes in yourPersonal Data.
You agree that Harvv, Inc. may amend this Privacy Policy from time
to time, and at our sole discretion. Although we will use our best
endeavors to notify you of any amendment to this Privacy Policy,
we will not be required to provide you with prior notification of
such amendments or changes to this Privacy Policy.
Upon any amendment or change to this Privacy Policy, we may
publish the amendedPrivacy Policy on the dedicated link available
on our Platform. Your continued use of the Platform and/or the
Service after the publication date of a revised version of this
Privacy Policy constitutes your acceptance of its terms.
You agree and undertake to review our Privacy Policy each time you
visit ourPlatform and/or prior to your use of any Services. If you
do not agree to ourPrivacy Policy, as updated from time to time,
you undertake to cease using ourPlatform and/or Services
immediately.
1.3: Third-party links
Our Platform may include links to third-party websites, plug-ins,
and applications.Clicking on those links or enabling those
connections may allow third parties to collect or share Data about
you. We do not control these third-party websites and are not
responsible for their privacy statements. When you leave our
Platform, we encourage you to read the privacy policy of every
website you visit. These third-parties have their own privacy
policies, and we are not responsible for their actions, including
their information protection practices.
2. The data we collect about you
2.1: Personal Data
2.1.1: Depending on which of
our Services you use and how you interact with ourPlatform, we
collect different kinds of information from or about you. We may
collect, use, store and transfer different kinds of Personal Data
about you which we have grouped together as follows:
-
Identity Data includes
first name, last name, address, username or similar
identifier, title, date of birth, gender and biometric data
including facial recognition.
-
Contact Data includes
billing address, delivery address, location, email address
and/or telephone numbers.
-
Payment Data includes bank
account, credit card and debit card details, and payment
history.
-
Transaction Data includes
details about payments to and from you.
-
Technical Data includes
internet protocol (IP) address, your login data, browser type
and version, make and model (mobile phones only), operating
system, hardware version, platform, device settings and other
technology identification on the devices used to access our
Platform, file and software names and types, device
identifiers, time zone setting and location, device locations
such as throughGPS, Bluetooth or WiFi signals, browser plug-in
types and versions, operating system and platform, connection
information such as the name of your mobile operator or ISP,
browser type, language and time zone, mobile phone number
andIP address.
-
Profile Data includes any
User Account information, anyUser’s username and password, any
purchases or orders made by a Customer, your interests,
preferences, feedback and survey responses.
-
Usage Data includes
information about how you use our Platform, products and
services and how you use your devices to access our Platform,
including the screens you visit and searches you make.
-
Marketing and Communications Data
includes your preferences in receiving marketing from us and
your communication preferences
-
Other Data includes:
-
Photos or other data uploaded onto any of our Platform by
you or shared with other Users of our Platform by you via
our Platform.
-
Communications with us via social media platforms, email,
electronic messages and other electronic and
non-electronic communications.
-
Third-party partner information related to how you use our
third-party partners, such as your reviews of our
third-party partners or other service providers.
-
Your networks and connections made available to us,
depending on the permissions you have granted, from your
mobile and desktop devices address book contacts, and
other social media such as Facebook, Instagram and
Twitter.
2.1.2: We also collect, use and
share aggregatedData such as statistical or demographic Data for
any purpose. Aggregated data may be derived from your Personal
Data but is not considered Personal Data as this Data does not
directly or indirectly reveal your identity. For example, we may
aggregate your Usage Data to calculate the percentage of Users
accessing a specific Platform feature.
2.2 Data Collected
2.2.1 Personal Data You Provide Us With:
We receive and store any information you enter on our Platform or
that you provide us with in any other way. The types ofPersonal
Data collected may include your name, address, telephone number,
mobile number, e-mail address, birthday, office location,
residential address, facial recognition via a live selfie,
professional and personal interests, company name, title
department, biography and specialist topics, use information
regarding your use of our Service and Platform, and browser
information.
The Personal Data you provide is used for purposes such as
allowing you to set upon Account, improving the content of the
Service, generating Data products and services including pricing
calculators, recommended listings, answering customer support or
technical questions, customizing the advertising and content you
see, and communicating with you about our new features. We may
also draw upon this Personal Data in order to adapt the Services
of our community to your needs, research the effectiveness of our
network and Services, and develop new tools for the community.
2.2.2 Information Collected Automatically:
When you use the Service, Harvv, Inc. automatically receives and
records information on our server logs from your browser or mobile
platform, including your location, IP address, cookie information,
and the page you requested. We treat this data as non-Personal
Data, except where we are required to do otherwise under
applicable law. Harvv, Inc. only uses this Data in aggregate form.
We may provide aggregate information to our partners about how our
Users, collectively, use our site, so that our partners may also
understand how often Users use their services and our Service.
2.2.3 If you fail to provide Personal Data:
Where we need to collect Personal Data by law, or under the terms
of a contract we have with you and you fail to provide that
Personal Data when requested, we may not be able to perform
ourServices. In this case, we may have to cancel the Service which
you have with us, provided that we will notify you if this is the
case at the time.
3. How is your Personal Data collected?
3.1: Personal Data
We use different methods to collect Data from and about you
including through:
-
From the information you provided to us by your company.
-
When you communicate with us in writing, by telephone, fax,
email or through the Platform or other forms of electronic
communication. In this respect, we may monitor, record and
store any such communication.
- When you register an Account with ourPlatform.
-
From publicly available sources, third parties and social
media platforms, most commonly where we need to conduct
background checks about you.
-
Direct interactions. You may give us your identity, contact
and financial data by filling in forms or by corresponding
with us by post, phone, email or otherwise. This includes
Personal Data you provide when you:
- Apply for our Services.
- Create an Account on our Platform.
- Subscribe to our publications.
- Enter a competition, promotion or survey, or
-
Entering data for installing or using any Harvv, Inc.
powered application and/or installing,
-
Correspond with us (online or offline including via email
addresses and phone numbers), if you contact us.
- Post Content on our Platform, or
- Give us feedback and review.
-
Automated technologies or interactions. As you interact with
our Platform, we may automatically collect Technical Data
about your equipment, browsing action sand patterns. We
collect this Personal Data by using cookies, server logs and
other similar technologies. We may also receive Technical Data
about you if you visit other websites employing our cookies.
-
Third parties or publicly availableTechnical Data sources. We
may receive Technical Data about you from various third
parties and public sources as set out above from the following
parties.
- Analytics providers such as Google,
- Advertising networks/agencies and
- Search information providers.
-
Contact, Financial and Transaction Data from technical
payment providers, and
-
Identity and Contact Data from publicly available sources.
4. Information Sharing
4.1 Information shared with everyone in the community:
We may publicly share some of yourData such as your reviews on the
Platform.
4.2 Information shared with third-party partners:
If you use our Platform (creating anAccount through our Platform
or otherwise), we may share your aggregated Data, reviews and any
other Data as may reasonably be required by our third-party
partners to improve our Services.
4.3 Partners: We enter into
relationships with a variety of businesses and work closely with
them. In certain situations, these businesses may sell items or
provide promotions to you through Harvv, Inc. Service.
4.4 Business Transfer: In the
event that Harvv, Inc. is involved in a merger, acquisition,
reorganization, sale of assets or bankruptcy, your information may
be sold or transferred as part of that transaction. The promises
in this Privacy Policy will apply to your information as
transferred to the new entity.
5. Legal Basis for Processing Your Personal Data
5.1 Performance of our Services:
-
We process your Personal Data because it is necessary for the
performance of our Services. In this respect, we use your
Personal Data for the following:
-
To assist with the preparation of aConfirmation Order.
- To answer any question you may have.
-
To deal with any complaints or feedback you may have.
-
To assist in determining your eligibility to order using
the Platform as well as the spending limits apply to you
(as further set out in Harvv, Inc. Loan Agreement).
-
To develop machine learning-based tools to better serve
you.
-
To issue reports/analytics on a no-name basis for business
and marketing purposes; and
-
For any other purpose for which you provide us with your
Personal Data.
-
In this respect, we may share your PersonalData with or
transfer it to the following:
-
Third parties whom we engage to assist in delivering the
Services to you;
-
Our professional advisers where it is necessary for us to
obtain their advice or assistance, including lawyers,
accountants, IT or public relations advisers;
-
Debt collection agencies where it is necessary to recover
the money you owe us;
-
To assist in determining your eligibility to order using
the Platform as well as the spending limits apply to you
(as further set out in Harvv, Inc. Loan Agreement);
-
Other third parties such as intermediaries who we
introduce to you. We will wherever possible tell you who
they are before we introduce you
-
To issue reports/analytics on a no-name basis for business
and marketing purposes; and
- Our data storage providers:
-
Your agents, advisers, intermediaries, and custodians of
your assets who you tell us about.
5.2 Legitimate interests:
We also process your Personal Data because it is necessary for our
legitimate interests, or sometimes where it is necessary for the
legitimate interests of another person. In this respect, we use
your Personal Data for:
-
For the administration and management of our business,
including recovering the money you may owe to us, and
archiving or statistical analysis;
-
Seeking advice on our rights and obligations, such as where we
require legal advice. In this respect, we will share your
Personal Data with our advisers or agents where it is
necessary for us to obtain their advice or assistance and with
third parties and their advisers where those third parties are
acquiring, or considering acquiring, all or part of our
business.
5.3 Legal obligations:
We also process your Personal Data for our compliance with a legal
obligation which we are under. In this respect, we will use your
Personal Data for the following:
-
To meet our compliance and regulatory obligations, such as
compliance with anti-money laundering laws;
-
As required by tax authorities or any competent court or legal
authority. In this respect, we will share your Personal Data
with the following:
-
Our advisers where it is necessary for us to obtain their
advice or assistance;
-
Our auditors where it is necessary as part of their
auditing functions;
-
With third parties who assist us in conducting background
checks;
-
With relevant regulators or law enforcement agencies where
we are required todo so.
5.4 Marketing:
-
We may send you marketing about the Services we provide which
may be of interest to you, as well as other information in the
form of alerts, newsletters and invitations to the events or
functions which we believe might be of interest to you or in
order to update you with information (such as legal or
commercial news) which we believe may be relevant to you. We
may communicate this to you in a number of ways including by
post, telephone, email or other digital channels.
-
You have the right to withdraw/unsubscribe your consent to
marketing emails/newsletters at any time by contacting us.
5.5 Promotional offers from us:
-
We may use your Identity Data, Contact Data, Technical Data,
Usage Data andProfile Data to form a view of what we think you
may want or need, or what maybe of interest to you. This is
how we decide which Services, and offers may be relevant for
you. You may receive marketing communications from us if you
have requested information from us or purchased services from
us and, in each case,you have not opted out of receiving that
marketing.
5.6 Third-party marketing:
-
We will get your express opt-in consent before we share your
Personal Data with any company outside Harvv, Inc. for
marketing purposes.
-
You can ask us or third parties to stop sending you marketing
messages at anytime by logging into the Platform and checking
or unchecking relevant boxes to adjust your marketing
preferences by following the opt-out links on any marketing
message sent to you or by contacting us at any time at
b2b@harvv.com
5.7 Cookies:
-
Our website uses web technologies such as cookies to
distinguish you from other users of our site. This helps us to
provide you with a good experience when you browse our website
and also allows us to improve our site.
-
We use the following cookies:
-
Strictly necessary cookies. These are cookies that are
required for the operation of our Platform. They include,
for example, cookies that enable you to log into secure
areas of our Platform or make use of e-billing services.
-
Analytical/performance cookies. They allow us to recognize
and count the number of Users and to see how Users move
around our Platform when they are using it.This helps us
to improve the way our Platform works, for example, by
ensuring that Users are finding what they are looking for
easily.
-
Functionality cookies. These are used to recognize you
when you return to ourPlatform. This enables us to
personalize our content for you, greet you by name and
remember your preferences (for example, your choice of
language or region).
-
Targeting cookies. These cookies record your visit to our
Platform, the pages you have visited and the links you
have followed. We will use this information to make our
Platform and the advertising displayed on it more relevant
to your interests. We may also share this information with
third parties for this purpose.
-
You can set your browser to refuse all or some browser
cookies or to alert you when our Platform sets or accesses
cookies. If you disable or refuse cookies,please note that
some parts of our Platform may become inaccessible or not
function properly.
6. Data Security
We have put in place appropriate security measures to prevent your
Personal Data from being accidentally lost, used or accessed in an
unauthorized way, altered or disclosed. In addition, we limit
access to your Personal Data to those employees, agents,
contractors and other third parties who have a business need to
know. They will only process yourPersonal Data on our instructions
and they are subject to a duty of confidentiality.
7. Contact Us
Incase of any query regarding this Privacy Policy, please contact
us at
b2b@harvv.com
. Please describe your query in as much detail as possible for
better assistance.
8. Force Majeure
Not with standing anything mentioned herein in this Privacy Policy
or elsewhere, we will not beheld responsible for any loss, damage
or misuse of your information or other data, if such has been
caused due to a Force Majeure event. A Force Majeure event shall
refer to any event that is beyond our reasonable control and shall
include, without limitation, flood, earthquake, explosion, acts of
God,pandemics, sabotage, fire, civil commotion, strikes or
industrial action of any kind, war, acts or orders of government,
changes in legislation, riots,insurrection, computer hacking,
phishing attacks, un-authorized access to storage devices or data,
computer crashes, breach of security and encryption etc.
9. Additional Information
Legal action
Your data may be used for legal purposes by us in Court or at any
stage leading to a possible legal action which may arise in
relation to our Platform or relatedServices.
System logs and maintenance
For operation and maintenance purposes, this Platform and our
third-party partners may collect data, recording your interaction
with our Platform (System logs, IP address etc.) for such
purposes.
Information not contained in this policy
Any further details regarding the collection or processing of your
data may be requested from us at any time. Please see our contact
information regarding your queries.
10. Visiting Third-Party Platforms
Our Platform may contain links or references to third-party
websites. These websites are outside of our control, and the
policies of these sites may differ from ours. Please be aware that
our policies do not apply to such websites. We encourage you to
check the terms of use, cookies policy and privacy policies of
such sites before disclosing any personal information to their
platforms. You can always know what Platform you are on by
checking the Uniform ResourceLocator (URL) in the location bar
within your browser.
11. Changes to this Privacy Policy
We reserve the right to make changes to this privacy policy at any
time. It is strongly recommended that you check this page often,
referring to the date of the last modification mentioned at the
top of this page. We may notify you of such changes - as far as
technically and legally feasible – by sending a notice to you via
any contact information available to us. If any of these changes
substantially modify the processing activities for which your
consent was previously taken, we will take consent from you before
such changes apply to you.
12. Violation of Privacy Policy
Harvv, Inc. reserves the right to initiate legal and disciplinary
inquiries against any individuals infringing this Privacy Policy
and causing the privacy breach of the Company and/or any other
person. These actions may include but are not limited to, ceasing
the infringing activity, rectifying any harm caused, initiating
legal proceedings and implementing measures to prevent future
breaches.
By accessing our Platform, you hereby confirm and consent to the
use of your personal data and information by us in accordance with
this privacy policy. Your continued access and/or us age of the
Platform, Accounts, Services and/or Products is deemed as your
approval for us to collect, process and store your data in
accordance with the foregoing. Your failure to consent to the
foregoing may disable us from providing you access to our Platform
and/or opening, establishing, provide accounts, services and or
products to you.