Privacy term
Privacy Policy aims to:
- Commitment to data privacy and security in the treatment of information collected from customers;
- Demonstrate, which are the data processed by IVI FINANCE, the reason and the way used for collection, storage, processing, disposal and query of that data;
- Present how data protection is carried out;
- Define how to control privacy preferences, in updating, transferring and managing user information through access to the service platform;
- Establish rules about the entire life cycle of data in the IVI FINANCE, from collection, registration, storage, use, sharing, to the elimination of collected data. preliminaries, is the first section of a book and typically has the fewest pages. While all pages are counted, page numbers are generally not printed, whether the pages are blank or contain content.
1. Policy
The stipulations of this Policy apply to all services offered by IVI FINANCE and which use Personal Data from customers, potential customers, employees and third parties (“Data Subjects”).
When accessing and using the services, financial or non-financial, offered by IVI FINANCE, the user agrees and fully accepts the provisions of the Policy.
The personal data collected by IVI FINANCE are voluntarily granted by the holder of the personal data, through registration on our digital platform (“APP”), upon acceptance of the individual and simplified consent form. Personal data is understood as information relating to an identified or identifiable natural person, including information that can be combined with others to identify the data subject.
The information collected in relation to children under 18 years of age is limited to their name, nationality and date of birth, which can only be supplied to us by an adult. We would be grateful if you could ensure that your children do not send us any personal data without your consent (particularly via the Internet). If such data is sent without such consent, we can arrange for this information to be deleted.
The stipulations of this Policy apply to all services offered by IVI FINANCE and which use Personal Data from customers, potential customers, employees and third parties (“Data Subjects”).
When accessing and using the services, financial or non-financial, offered by IVI FINANCE, the user agrees and fully accepts the provisions of the Policy.
The personal data collected by IVI FINANCE are voluntarily granted by the holder of the personal data, through registration on our digital platform (“APP”), upon acceptance of the individual and simplified consent form. Personal data is understood as information relating to an identified or identifiable natural person, including information that can be combined with others to identify the data subject.
The information collected in relation to children under 18 years of age is limited to their name, nationality and date of birth, which can only be supplied to us by an adult. We would be grateful if you could ensure that your children do not send us any personal data without your consent (particularly via the Internet). If such data is sent without such consent, we can arrange for this information to be deleted.
2. Definitions
Processing Agents: responsible for the Processing of Personal Data and are separated into two categories: Controller and Operator.
Controller Responsible for decisions regarding the Processing of Personal Data.
Operator Performs the Processing of Personal Data on behalf of the Controller, following its instructions.
Anonymization : technique through which data loses the possibility of association, directly or indirectly, with an individual, so that it is subsequently impossible to re-identify even using technical solutions.
Cookies: is a text file that contains a sequence of characters, created and sent by websites to the user’s device whenever accessed, where they are stored, and allow device recognition, remembering user preferences that personalize access, making the more pleasant navigation.
Personal Data: considered as information related to an identified or identifiable natural person, or information that, alone or combined with others, allows the identification of name, address, identity documents in general, telephone number, and other relevant information.
Sensitive Data: are conceptualized as Personal Data about racial or ethnic origin, religious conviction, political opinion, membership of a union or organization of a religious, philosophical or political nature, data referring to health or sex life, genetic or biometric data when linked to a natural person.
Anonymized data: data relating to the holder who cannot be identified, considering the use of reasonable technical means available at the time of processing.
Device: is the device that can be used to access the services offered by IVI FINANCE, desktop computers, notebooks, tablets and smartphones.
IP address: is the number assigned to each connected IVI FINANCE device, known as the IVI FINANCE protocol (Internet Protocol or IP) address.
An IP address can be used to identify from which location a device is connecting to the IVI FINANCE.
Geolocation : feature that, when activated by the Data Subject, allows defining the precise or approximate position of a device and brings information where that Device is located, also providing the time at which it was accessed.
IVI FINANCE: trademark used by IVI FINANCE to promote its services and products.
Data Subject: any identified or identifiable natural person to whom the processed personal data refer.
Processing: any operation carried out with Personal Data whether or not it is automated. That is, it is the collection, production, reception, classification, use, access, reproduction, transmission, distribution, processing, storage, archiving, elimination, evaluation or control of information, modification, communication, transfer, diffusion or extraction.
Processing Agents: responsible for the Processing of Personal Data and are separated into two categories: Controller and Operator.
Controller Responsible for decisions regarding the Processing of Personal Data.
Operator Performs the Processing of Personal Data on behalf of the Controller, following its instructions.
Anonymization : technique through which data loses the possibility of association, directly or indirectly, with an individual, so that it is subsequently impossible to re-identify even using technical solutions.
Cookies: is a text file that contains a sequence of characters, created and sent by websites to the user’s device whenever accessed, where they are stored, and allow device recognition, remembering user preferences that personalize access, making the more pleasant navigation.
Personal Data: considered as information related to an identified or identifiable natural person, or information that, alone or combined with others, allows the identification of name, address, identity documents in general, telephone number, and other relevant information.
Sensitive Data: are conceptualized as Personal Data about racial or ethnic origin, religious conviction, political opinion, membership of a union or organization of a religious, philosophical or political nature, data referring to health or sex life, genetic or biometric data when linked to a natural person.
Anonymized data: data relating to the holder who cannot be identified, considering the use of reasonable technical means available at the time of processing.
Device: is the device that can be used to access the services offered by IVI FINANCE, desktop computers, notebooks, tablets and smartphones.
IP address: is the number assigned to each connected IVI FINANCE device, known as the IVI FINANCE protocol (Internet Protocol or IP) address.
An IP address can be used to identify from which location a device is connecting to the IVI FINANCE.
Geolocation : feature that, when activated by the Data Subject, allows defining the precise or approximate position of a device and brings information where that Device is located, also providing the time at which it was accessed.
IVI FINANCE: trademark used by IVI FINANCE to promote its services and products.
Data Subject: any identified or identifiable natural person to whom the processed personal data refer.
Processing: any operation carried out with Personal Data whether or not it is automated. That is, it is the collection, production, reception, classification, use, access, reproduction, transmission, distribution, processing, storage, archiving, elimination, evaluation or control of information, modification, communication, transfer, diffusion or extraction.
3. About the information processed
The information is treated to better develop and improve the services. However, in some cases, the user will be able to manage the information collected and/or used by IVI FINANCE , through one of the service channels for privacy matters indicated in this Policy, as well as through the way in which he will use the services.
Depending on the relationship established with IVI FINANCE , different information is collected when the user uses the Website and they fall into three categories:
The information is treated to better develop and improve the services. However, in some cases, the user will be able to manage the information collected and/or used by IVI FINANCE , through one of the service channels for privacy matters indicated in this Policy, as well as through the way in which he will use the services.
Depending on the relationship established with IVI FINANCE , different information is collected when the user uses the Website and they fall into three categories:
Data provided by the user to IVI FINANCE, when concluding preliminary negotiations or when contracting or using any services, through navigation and interactions with IVI FINANCE websites and applications, or through interactions in person, by telephone or by electronic messages.
Name, e-mail, telephone number, identity documents in general, address, profession, marital status, salary range, image of your official identity documents or any other Personal Data provided to create or change your digital account.
The verification and confirmation of Personal Data may, at the discretion of IVI FINANCE, be carried out by third-party companies, which will respect the same security and privacy criteria set forth herein.
The user will be solely and exclusively responsible for the veracity of the Personal Data provided to IVI FINANCE when registering, quoting and/or contracting any services.
IVI FINANCE is not responsible for the veracity of the data provided, as well as for any damages arising from the inaccuracy and/or outdatedness of said information.
Name, e-mail, telephone number, identity documents in general, address, profession, marital status, salary range, image of your official identity documents or any other Personal Data provided to create or change your digital account.
The verification and confirmation of Personal Data may, at the discretion of IVI FINANCE, be carried out by third-party companies, which will respect the same security and privacy criteria set forth herein.
The user will be solely and exclusively responsible for the veracity of the Personal Data provided to IVI FINANCE when registering, quoting and/or contracting any services.
IVI FINANCE is not responsible for the veracity of the data provided, as well as for any damages arising from the inaccuracy and/or outdatedness of said information.
Data collected by IVI FINANCE when the user browses and/or uses the services
Browsing data: search history, pages visited, navigation, dates and times of access, resources used, the way in which you use the services.
This information enables better performance of the functionalities available on the website and to enable the display of relevant content to the user. In some cases, data collection will be through cookies, to improve the functioning of the services.
Devices: Collection of data about the device the user uses to access the Website – brand, operating system, IP address, type of network connection (WI-FI, 4G, LTE, bluetooth or compatible connections), network performance and device, browser type, version, language, and app version. This information is necessary to guarantee the compatibility of the services with the device that the user uses.
Geolocation: data collected on location that allows, guaranteeing greater security for transactions based on geographic location points (anti-fraud), Identifying the origin of a call received in service channels, additionally determining the user’s location by means of GPS (opening account number, call source tracking) and IP address (chat access). The types of location data to collect depend, in part, on the user’s device and settings. You can turn location tracking on or off by going to Settings/Device Privacy.
Browsing data: search history, pages visited, navigation, dates and times of access, resources used, the way in which you use the services.
This information enables better performance of the functionalities available on the website and to enable the display of relevant content to the user. In some cases, data collection will be through cookies, to improve the functioning of the services.
Devices: Collection of data about the device the user uses to access the Website – brand, operating system, IP address, type of network connection (WI-FI, 4G, LTE, bluetooth or compatible connections), network performance and device, browser type, version, language, and app version. This information is necessary to guarantee the compatibility of the services with the device that the user uses.
Geolocation: data collected on location that allows, guaranteeing greater security for transactions based on geographic location points (anti-fraud), Identifying the origin of a call received in service channels, additionally determining the user’s location by means of GPS (opening account number, call source tracking) and IP address (chat access). The types of location data to collect depend, in part, on the user’s device and settings. You can turn location tracking on or off by going to Settings/Device Privacy.
It is the information collected by IVI FINANCE from third-party partner companies, suppliers and service providers, or from third-party platforms and tools, respecting the purposes set forth in this Policy.
IVI FINANCE may use the data provided or collected, as above, to send advertising by email or by any other means of communication.
IVI FINANCE may use the data provided or collected, as above, to send advertising by email or by any other means of communication.
4. Collection and processing of personal data
Personal Data may be collected for different purposes depending on the relationship that the holder maintains with IVI FINANCE, mainly for the following purposes:
Fulfill contractual obligations, in particular the execution of the terms of the contract with IVI FINANCE;
Comply with applicable legal and/or regulatory requirements;
Notify about any changes in the services;
Safety and protection procedures, aimed at providing a safe and effective service;
Perform operations, including supporting customers and other data subjects, troubleshooting, data analysis, testing, research and statistics;
Evaluate the effectiveness of the advertising that is served, aiming to provide relevant advertising to the user;
Produce evidence and assist in the conduct of legal, administrative or arbitration proceedings, as well as assist in complying with other legal requirements; It is
Provide services (digital account, credit card, loans, recharges and service plans, online purchases, and others), as per the table below:
Personal Data may be collected for different purposes depending on the relationship that the holder maintains with IVI FINANCE, mainly for the following purposes:
Fulfill contractual obligations, in particular the execution of the terms of the contract with IVI FINANCE;
Comply with applicable legal and/or regulatory requirements;
Notify about any changes in the services;
Safety and protection procedures, aimed at providing a safe and effective service;
Perform operations, including supporting customers and other data subjects, troubleshooting, data analysis, testing, research and statistics;
Evaluate the effectiveness of the advertising that is served, aiming to provide relevant advertising to the user;
Produce evidence and assist in the conduct of legal, administrative or arbitration proceedings, as well as assist in complying with other legal requirements; It is
Provide services (digital account, credit card, loans, recharges and service plans, online purchases, and others), as per the table below:
All data that the user actively provides or collected by IVI FINANCE is considered confidential. Thus, the commitment to adopt technical and administrative measures capable of protecting Personal Data, observing guidelines on security standards established in current legislation.
5. Storage and retention term
The processing period of your Personal Data by IVI FINANCE will vary according to the types of services contracted, rendered or provided; and for the purposes of the Treatment.
After the end of the purpose, data retention is authorized for compliance with legal or regulatory obligations, regular exercise of rights, transfer to a third party, provided that the data processing requirements are respected, and exclusive use by IVI FINANCE, provided that the data are anonymised. data.
Thus, Personal Data will be deleted by IVI FINANCE, except if the storage is carried out due to legal or regulatory obligation, when:
Personal Data is no longer necessary or relevant to achieve this purpose;
Consent is withdrawn;
The determination of the competent authority.
The holder’s information will be stored in its own or third party data center (cloud), established in Maldives or abroad, depending on the relationship maintained between the holder and IVI FINANCE.
The headquarters and internal operation of IVI FINANCE take place in Maldives, however, some suppliers, service providers and business partners may have headquarters and/or operations abroad. In these cases, it may be necessary to transfer personal data abroad.
If personal data is stored abroad, IVI FINANCE will make every effort to adopt all the security measures it practices, as well as observe the law commands.
The processing period of your Personal Data by IVI FINANCE will vary according to the types of services contracted, rendered or provided; and for the purposes of the Treatment.
After the end of the purpose, data retention is authorized for compliance with legal or regulatory obligations, regular exercise of rights, transfer to a third party, provided that the data processing requirements are respected, and exclusive use by IVI FINANCE, provided that the data are anonymised. data.
Thus, Personal Data will be deleted by IVI FINANCE, except if the storage is carried out due to legal or regulatory obligation, when:
Personal Data is no longer necessary or relevant to achieve this purpose;
Consent is withdrawn;
The determination of the competent authority.
The holder’s information will be stored in its own or third party data center (cloud), established in Maldives or abroad, depending on the relationship maintained between the holder and IVI FINANCE.
The headquarters and internal operation of IVI FINANCE take place in Maldives, however, some suppliers, service providers and business partners may have headquarters and/or operations abroad. In these cases, it may be necessary to transfer personal data abroad.
If personal data is stored abroad, IVI FINANCE will make every effort to adopt all the security measures it practices, as well as observe the law commands.
6. Rights as holder personal data
Law grants a series of rights to Data Subjects. Therefore, the Data Subject may make requests to IVI FINANCE, as detailed below:
Confirmation of the existence of treatment;
Access to data;
The correction of incomplete, inaccurate or outdated data;
The anonymization, blocking or deletion of unnecessary data;
Data portability, upon express request (data will be delivered to the holder in digital format [PDF, txt, CSV or another to be chosen by IVI FINANCE], without any integration of systems and observing commercial and industrial secrets);
The deletion of processed personal data, except when data conservation is authorized;
Information about the shared use of data;
Information about the possibility of not providing consent and the consequences of the refusal;
The revocation of consent.
In order to exercise any of the rights established above, as well as determine preferences in the treatment and use by IVI FINANCE of personal data, the user may send an email support@ivimv.com. You will receive a response within 15 (fifteen) days from the date of the request.
IVI FINANCE may request additional data to confirm the identity and authenticity of the requesting user.
Law grants a series of rights to Data Subjects. Therefore, the Data Subject may make requests to IVI FINANCE, as detailed below:
Confirmation of the existence of treatment;
Access to data;
The correction of incomplete, inaccurate or outdated data;
The anonymization, blocking or deletion of unnecessary data;
Data portability, upon express request (data will be delivered to the holder in digital format [PDF, txt, CSV or another to be chosen by IVI FINANCE], without any integration of systems and observing commercial and industrial secrets);
The deletion of processed personal data, except when data conservation is authorized;
Information about the shared use of data;
Information about the possibility of not providing consent and the consequences of the refusal;
The revocation of consent.
In order to exercise any of the rights established above, as well as determine preferences in the treatment and use by IVI FINANCE of personal data, the user may send an email support@ivimv.com. You will receive a response within 15 (fifteen) days from the date of the request.
IVI FINANCE may request additional data to confirm the identity and authenticity of the requesting user.
7. Sharing of personal data
IVI FINANCE, in the interest of data privacy, in compliance with data protection and bank secrecy rules, only shares user information for the purposes set out in this Privacy Policy or with defined legal bases.
Among the companies of the IVI FINANCE;
With commercial partners, service providers, suppliers and subcontractors for the execution of concluded contracts;
With advertising and marketing companies, to select and serve advertisements relevant to the user; It is
With search engine and analytics providers to assist with website improvements and optimizations.
It may also disclose personal information to third parties:
IVI FINANCE, in the interest of data privacy, in compliance with data protection and bank secrecy rules, only shares user information for the purposes set out in this Privacy Policy or with defined legal bases.
Among the companies of the IVI FINANCE;
With commercial partners, service providers, suppliers and subcontractors for the execution of concluded contracts;
With advertising and marketing companies, to select and serve advertisements relevant to the user; It is
With search engine and analytics providers to assist with website improvements and optimizations.
It may also disclose personal information to third parties:
- In case of transactions and corporate changes involving any company of the IVI FINANCE, in which case the transfer of data will be necessary for the continuity of the services offered;
- In compliance with current legislation;
- To ensure greater security in transactions, avoiding attempts at fraud and other crimes. This includes exchanging information for the purposes of protecting against fraud, money laundering and reducing credit risk;
- For the protection of IVI FINANCE in cases of claims and conflicts, including judicial, administrative and arbitration proceedings;
- By court order, police order or competent administrative authorities that have the legal competence to request it.
- For risk assessment;
- Carry out collections from insolvent customers and data subjects and/or recover debts.
- If the user wishes to obtain more information about the third parties with whom IVI FINANCE shares Personal Data, contact them through the service channels.
8. Service channels for privacy issues
For Privacy related matters, you must:
Forward email to support@ivimv.com
9. Data manager
The data officer (or Data Protection Officer – DPO) acts as a communication channel between the IVI FINANCE, the data subjects.
The name of the person appointed to act as data controller for the IVI FINANCE can be consulted at any time through the service channels made available by the IVI FINANCE.
For Privacy related matters, you must:
Forward email to support@ivimv.com
9. Data manager
The data officer (or Data Protection Officer – DPO) acts as a communication channel between the IVI FINANCE, the data subjects.
The name of the person appointed to act as data controller for the IVI FINANCE can be consulted at any time through the service channels made available by the IVI FINANCE.
10. General provisions
The terms of this Policy may be modified at any time, due to legislative changes or services provided, due to the updating of technological tools or, even, due to the offer of new services. Data Subjects will be notified of relevant changes through a notice on the Website, by email or by any other means of communication available, at the discretion of IVI FINANCE.
Any clause or condition of this Policy that, for whatever reason, may be deemed null or ineffective by any court or tribunal, will not affect the validity of the other provisions of this Policy, which will remain fully valid and binding, generating effects to their fullest extent.
This Policy is governed exclusively by the Laws of the Republic of Maldives, as well as any actions arising from violation of these Terms.
The use of services, financial or non-financial, will imply express acceptance of the terms and conditions of the Privacy Policy in force on the date of use.
For data holders who do not agree with the current Privacy Policy, we recommend not using our services.
Non-acceptance or refusal to provide the requested information may prevent the provision of services.
The terms of this Policy may be modified at any time, due to legislative changes or services provided, due to the updating of technological tools or, even, due to the offer of new services. Data Subjects will be notified of relevant changes through a notice on the Website, by email or by any other means of communication available, at the discretion of IVI FINANCE.
Any clause or condition of this Policy that, for whatever reason, may be deemed null or ineffective by any court or tribunal, will not affect the validity of the other provisions of this Policy, which will remain fully valid and binding, generating effects to their fullest extent.
This Policy is governed exclusively by the Laws of the Republic of Maldives, as well as any actions arising from violation of these Terms.
The use of services, financial or non-financial, will imply express acceptance of the terms and conditions of the Privacy Policy in force on the date of use.
For data holders who do not agree with the current Privacy Policy, we recommend not using our services.
Non-acceptance or refusal to provide the requested information may prevent the provision of services.
11. Applicable lay and dispute resolution
Any and all disputes arising from the terms set out in this Privacy Policy will be resolved in accordance with Republic of Maldives.
The use of services and/or orders issued outside Republic of Maldives territory, as the case may be, or even those resulting from operations initiated abroad, may also be subject to the legislation and jurisdiction of the authorities of the countries where they are commanded or initiated.
Any and all disputes arising from the terms set out in this Privacy Policy will be resolved in accordance with Republic of Maldives.
The use of services and/or orders issued outside Republic of Maldives territory, as the case may be, or even those resulting from operations initiated abroad, may also be subject to the legislation and jurisdiction of the authorities of the countries where they are commanded or initiated.
+960 7971766
IVI FINANCE PRIVATE LIMITED
CRN: C04172024
10th Floor, Ma.Kelavi
Kaamini Magu, Male’ 20241
Republic of Maldives
