These Terms and Conditions come into effect on May 9, 2023.
Terms used in the content of these Terms and Conditions of use of Fin.do (the Terms and Conditions) have the meaning given below:
As a result, we request that you adhere to the KYC requirements, onboarding procedures, real identification, proof of identification, proof of origin of funds, and other compliance, anti-fraud, and anti-money laundering policies of our partnering PSPs. Additionally, please follow secure login, transaction monitoring, and verification procedures when using Fin.do services through its partnering PSPs.
As your technical services provider through Fin.do's app/website, we are responsible for all the care you may need as a customer. However, the partnering PSPs will be responsible for the integrity of your transactions and the safeguarding of your money. We ask you to abide by all their rules and to comply with their regulatory requirements.
The purpose of these Terms and Conditions is to define the principles of using the Service by the Users via the mobile app or the website.
The Users shall in no case:
For the purposes of Full ID Verification, the Company will transfer the data collected under § 11 above to a third-party service provider that provides similarity check services. For this purpose, the Company may transfer User’s data outside of the European Economic Area, including countries which have different data protection standards than those which apply in the European Economic Area. Any such transfer of the User’s personal data will be carried out in compliance with applicable laws. For transfers outside the European Economic Area, the Company will use Standard Contractual Clauses (and the User has a right to ask for a copy of these clauses) and Privacy Shield as safeguards for countries without adequacy decision from the European Commission.
Any person providing his/her personal data to the Company has the right to request access to and rectification or erasure of personal data which means right to have personal data deleted (“right to be forgotten”) or restriction of processing concerning the User or to object to processing as well as the right to data portability, also the right to lodge a complaint with the User’s national data protection authority (the list of all such authorities is available at http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080 ). The User shall exercise the rights granted by this item by contacting the Company via Help Centre of Fin.do or website of the Company www.fin.do. The Company may refuse to satisfy the request for the execution of the rights of the User in cases when the Company cannot verify the identity of a person who submits request with reasonable reliability and thus cannot minimize risk of personal data being compromised. The Company may not be able to implement certain rights of the User, such as the “right to be forgotten”, if it is necessary to apply safeguards, in particular, to prevent the destruction of data or evidence based on and in accordance with the requirements of the applicable laws and regulations, our legal obligations or legitimate grounds for processing. Therefore, the period for which User’s personal data will be stored will also depend on that.
The Company processes and stores User’s personal data no longer than necessary for the purposes stated in this paragraph. User’s personal data provided for the purpose of providing the Service and using Fin.do is stored during the provision of Service and usage of Fin.do and for a maximum of 10 years after the end of the provision of Service and usage of Fin.do. User’s data processed for marketing purposes is stored during the provision of Service and usage of Fin.do and for a maximum of 3 years after the end of the provision of Service and usage of Fin.do, unless the User objects to the processing for marketing purposes sooner.
10.Sending by the Company to the User electronic messages about the execution status of the Service may prove necessary for its provision and does not constitute commercial (marketing) information.
A User may check transaction history inside the interface of Fin.do. The Company is dedicated to keeping information about transaction history near real-time. This information will include:
In case a User has any disputes concerning payments which were made using Fin.do the Company bears no responsibility for any obligation and/or commitment provided or made by the Recipient. The Company cannot be liable for quality, safety, legality or any other aspect of any goods or services ordered or purchased by Sender from a Recipient. A successful transaction which was performed in relation to such purchase cannot be refunded pursuant to the §6 above.
Due to the worldwide availability of Fin.do, these Terms and Conditions are prepared in the English language, and Fin.do also operates in English or other available language supported. By accepting these Terms and Conditions and using Fin.do, the User confirms that he/she understands the English language and agrees to communicate with the Company in the English language or other available language supported as far as Fin.do and legal relations arising under these Terms and Conditions are concerned.