Privacy Policy

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Em@ney Plc (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Em@ney Plc.

This Privacy Policy applies to our website and its associated subdomains (collectively, our “Service”) alongside our application, Em@ney Plc. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, they are defined as:

• -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, and remember information about you, such as your language preference.
• -Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to Em@ney Plc, Triq ix-Xatt ta’ Xbiex, Msida that is responsible for your information under this Privacy Policy.
• -Country: where Em@ney Plc or the owners/founders of Em@ney Plc are based, in this case, is Malta.
• -Customer: refers to the company, organisation or person that signs up to use the Em@ney Plc Service to manage the relationships with your consumers or service users.
• -Device: any internet-connected device such as a phone, tablet, computer or another device that can be used to visit Em@ney Plc and use the services
• -IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often identify the location from which a device is connecting to the Internet
• -Personnel: refers to those individuals employed by Em@ney Plc or are under contract to perform a service on behalf of one of the parties
• -Personal Data: any information that, directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
• -Service: refers to the service provided by Em@ney Plc as described in relative terms and on this platform.
• -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
• -Website: Em@ney Plc's site, accessed via this URL: www.emoney.mt.
  This includes our content on the websites located at https://emoney.mt, http://banking.emworld.eu, www.emoneyplc.eu (the “Sites”) or when you use the Mobile Apps and the Cards (referred to collectively hereinafter as “Services”).
• -You: a person or entity registered/accessing one of the webpages of Em@ney Plc to use/view the Services.

Definitions and key terms

We may change our Services and policies, and we may need to make changes to this Privacy Policy so that they accurately reflect our Services and policies; please check this privacy policy frequently to check for any updates.

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What Information Do We Collect?

Personal Identification Information: name and surname, date of birth, nationality, gender, signature, utility bills, photographs, phone or fax number, home address, and/or email address. Special types of personal data (e.g. information about racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership or sexual orientation) will not be requested.

We automatically receive and store certain information, such as when you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalised experience, and protect your Payment User Account from fraud by detecting unauthorised access. Information collected automatically includes:

‍(i)Online Identifiers: Geo location/tracking details, operating system, browser name and version, and/or personal IP addresses;

(ii) Usage Data: Authentication data, security questions, and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.

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How Do We Use The Information We Collect?

Any of the information we collect from you may be used in one of the following ways:

• -To personalise your experience (your information helps us to better respond to your individual needs)
• -To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
• -To improve customer service (your information helps us to respond to your customer service requests and support needs more effectively)
• -To administer a contest, promotion, survey or other site feature
• -To send periodic emails

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When does Em@ney Plc use end-user information from third parties?

Em@ney Plc will collect End User Data necessary to provide services to our customers.End users may voluntarily provide us with the information they have made available on social media websites. If you provide us with any such information, we may collect publicly available information from the social media websites you have indicated. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

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When does Em@ney Plc use customer information from third parties?

We receive some information from third parties when you contact us. For example, when you submit your email address to us to show interest in becoming an Em@ney Plc customer, we receive information from a third party that provides automated fraud detection services to Em@ney Plc. We also occasionally collect information that is made publicly available on social media websites. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

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Do we share the information we collect with third parties?

We may share the information that we collect, both personal and non-personal, with third parties such as advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you. We may also share it with our current and future affiliated companies and business partners, and if we are involved in a merger, asset sale or other business reorganization, we may also share or transfer your personal and non-personal information to our successors-in-interest.

We may engage trusted third party service providers to perform functions and provide services to us, such as hosting and maintaining our servers and the website, database storage and management, e-mail management, storage marketing, credit card processing, customer service and fulfilling orders for products and services you may purchase through the website. We will likely share your personal information, and possibly some non-personal information, with these third parties to enable them to perform these services for you and for us.

We may share portions of our log file data, including IP addresses, for analytics purposes with third parties such as web analytics partners, application developers, and ad networks. If your IP address is shared, it may be used to estimate general location and other technographics such as connection speed, whether you have visited the website in a shared location, and the type of device used to visit it. They may aggregate information about our advertising and what you see on the website and provide auditing, research and reporting for us and our advertisers. We may also disclose personal and non-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate in order to respond to claims, legal process (including subpoenas), to protect our rights and interests or those of a third party, the safety of the public or any person, to prevent or stop any illegal, unethical, or legally actionable activity, or to otherwise comply with applicable court orders, laws, rules and regulations.

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Where and when is information collected from customers and end users?

Em@ney Plc will collect personal information that you submit to us. We may also receive personal information about you from third parties as described above.

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How Do We Use Your Email Address?

By submitting your email address on this website, you agree to receive emails from us. You can cancel your participation in any of these email lists at any time by clicking on the opt-out link or other unsubscribe options included in the respective email. We only send emails to people who have authorised us to contact them directly or through a third party. We do not send unsolicited commercial emails because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for customer audience targeting on sites like Facebook, however, you have provided the same email to us through another method, and we may use it for any of the purposes stated in this Policy.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.