We understand that your privacy is important, and we are strongly committed to protecting it. This includes the Personal Data or Information that you may provide when you access and use content we own or operate on the Web Sites located at Senoa.co, or any other Web Sites, app, pages, features, or content we own or operate (hereafter: the “Site(s)”) and/or when you use our mobile application and related services (referred to collectively hereinafter
2. Data & Personal Data
2.1 Personal Data We Collect
We collect personal data you provide directly to us or which you generate when you open an account with us, use our Services or our Web Site(s) and platform(s).
When we require certain personal data from users it is because we are required by law to collect this data (anti-fraud / anti-money laundering / counter financing of terrorism / know your customer obligations) or it is relevant for specified purposes. Any information you provide to us that is not required is voluntary. You are free to choose whether to provide us with the types of Personal Data requested, but we may not be able to serve you as effectively or offer you all of our Services when you do choose not to share certain information with us.
We also collect Personal Data when you use or request information about our Services, subscribe to marketing communications, request support, complete surveys, or sign up for one of our events. We may also collect Personal Data from you offline, such as when you attend one of our events, or when you contact customer support. We may use this information in combination with other information we collect about you as set forth in this
2.2 Data Collection When Registering / Using Our Services
When registering on our Site(s), you may be asked to enter:
- Contact information and personal details, such as your name, residential, business and postal addresses, telephone number, email address, and family details such as name of your spouse, partner or children;
- Profile information, such as the username and password you establish with the
- Demographic details, such as date of birth, country of citizenship and/or country of residence, marital status;
- Information about your net worth and/or income, such as your stated net worth; stated current, historical, and expected future income; source(s) of income; and supporting documentation that you choose to submit (e.g., tax forms, tax returns, pay stubs, financial account statements, and information about your financial assets and
- Government-issued identification (to the extent permitted under applicable law), such as a national identification number (e.g., a Social Security Number, tax identification number, or passport number), state or local identification number (e.g., a Driver’s License or other government-issued identification number), a copy of your government-issued identification card and related government issued photographs;
- Information about your investment experience and preferences, such as investment objectives, investment experience, liquidity needs, and risk tolerance;
- Financial Account and payment Information, such as your bank accounts you may use to source your investment funds, other related payment information and the cryptocurrency wallet addresses you may use to receive your Senoa Tokens and revenue payout , if any;
- Information about your relationship to a company, such as your current occupation, job title and whether you are a beneficial owner or authorized signatory of the legal entity using the Service;
- Feedback and correspondence, such as information you provide when you request information from us, receive customer support, or otherwise correspond with us, including by interacting with our pages on social networking online sites or services;
- Marketing information, such as your preferences for receiving marketing communications and details about how you engage with our marketing communications;
- Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp;
- Employment Information: Office location, job title, and/or description of role;
- Social media information such as username or handle, preferences; and other information you choose to provide.
We may also collect Personal Data from third party partners and public sources as required or permitted by applicable law, such as public databases, credit bureaus, ID verification partners, resellers and channel partners, joint marketing partners, and social media platforms which include:
- Financial information
- Reputational information
- Corporate/business activities for corporate customers
We use public databases and ID verification partners to verify your identity. Our ID verification partners use a combination of government records and publicly available information about you to verify your identity. Such information includes your name, address, job position, public employment profile, credit history, status on any sanctions lists maintained by public authorities, and other relevant data. We obtain such information to
comply with our legal obligations, such as anti-money laundering laws.
In some cases, we may process additional data about you to ensure our Services are not used fraudulently or for other illicit activities. In such instances, processing is necessary for us to continue to perform our contract with you and others
2.3 Data Collection When Visiting Our Web Site
When visiting our Web Site, we store every instance of access in a log file and therefore, the following Data are stored in this process:
- Computer or mobile device information
- Web Site from which our domain is accessed and Web Site usage information
- Operating system of your computer
- Country from which our Web Site is accessed
- Name of your internet provider
- Name and URL of the Data accessed
- Date and time of access
- P address of the accessing computer
These Data are generally anonymized with no personal reference and only used to establish connection with the Web Site, to ensure ongoing system security and stability and for statistical purposes. These Data are not associated or stored with Personal Data.
IP address of the accessing computers will be analyzed only in the event of an attack on the network infrastructure or in case of suspicion of otherwise unauthorized or improper use of the Web Site and for the sole purposes of defense or use as part of criminal proceedings for identification purposes and for criminal and/or civil proceedings against the user involved. IP address is also used to filter out geographical zones from accessing our Services.
3. How Your Personal Data Is Used
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. In general, we use personal information to create, develop, operate, deliver, and improve our Services, content and advertising, and for loss prevention and anti-fraud purposes. We may use this information in the following ways:
3.1 To Maintain Legal and Regulatory Compliance
Some of our Services are subject to laws and regulations requiring us to collect and use your personal identification information, formal identification information, financial information, transaction information, employment information, online identifiers, and/or usage data in certain ways.
We must identify and verify customers using our Services in order to comply with anti-money
laundering and terrorist financing laws across jurisdictions. In addition, we use third parties
to verify your identity by comparing the personal information you provided against third-party
databases and public records.
We may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk as required under applicable law. If you do not want to have your personal information processed for such purposes, then we shall terminate your account as we cannot perform the Services in accordance with legal and regulatory requirements.
3.2 To Enforce Our Terms in Our User Agreement and Other Agreements
We handle sensitive information, such as your identification and financial data, so it is very important for us and our customers that we are actively monitoring, investigating, preventing and mitigating any potentially prohibited or illegal activities, enforcing our agreements with third parties, and/or violations of our posted user agreement or agreement for other Services. In addition, we may need to collect fees based on your use of our Services. We collect information about your account usage and closely monitor your interactions with our
We may use any of your personal information collected on our Services for these purposes. The consequences of not processing your personal information for such purposes is the termination of your account as we cannot perform our Services in accordance with our terms.
3.3 To Provide Senoa Services
We process your personal information in order to provide the Services to you; we cannot provide you with Services without such information.
3.4 To Provide Service Communications
We send administrative or account-related information to you to keep you updated about our Services, inform you of relevant security issues or updates, or provide other transaction-related information. Without such communications, you may not be aware of important developments relating to your account that may affect how you can use our
3.5 To Provide Customer Service
We process your personal information when you contact us to resolve any question, dispute, collected fees, or to troubleshoot problems. We may process your information in response to another customer’s request, as relevant. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.
3.6 To Ensure Quality Control
We process your personal information for quality control and staff training to make sure we continue to provide you with accurate information. If we do not process personal information for quality control purposes, you may experience issues on the Services such as inaccurate transaction records or other interruptions. Our basis for such processing is based on the necessity of performing our contractual obligations with you.
3.7 To Ensure Network and Information Security
We process your personal information in order to enhance security, monitor and verify identity or service access, combat spam or other malware or security risks and to comply with applicable security laws and regulations. The threat landscape on the internet is constantly evolving, which makes it more important than ever that we have accurate and up-to-date information about your use of our Services. Without processing your personal information, we may not be able to ensure the security of our Services.
3.8 For Research and Development Purposes
We process your personal information to better understand the way you use and interact with our Services. In addition, we use such information to customize, measure, and improve the Services and the content and layout of our Web Site and applications, and to develop new services. Without such processing, we cannot ensure your continued enjoyment of our Services. Our basis for such processing is based on legitimate interest.
3.9 To Enhance Your Web Site Experience
We process your personal information to provide a personalized experience and implement the preferences you request. For example, you may choose to provide us with access to certain personal information stored by third parties. Without such processing, we may not be able to ensure your continued enjoyment of part or all of our Services.
3.10 To Facilitate Corporate Acquisitions, Mergers, or Transactions
We may process any information regarding your account and use of our Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions. You have the option of closing your account if you do not wish to have your personal information processed for such purposes.
EEA residents: pursuant to EEA Data Protection Law, we process this personal information to satisfy our legitimate interests as described above.
3.11 To Engage in Marketing Activities
Based on your communication preferences, we may send you marketing communications to inform you about our events or our partner events; to deliver targeted marketing; and to provide you with promotional offers based on your communication preferences. We use information about your usage of our Services and your contact information to provide marketing communications. You can opt-out of our marketing communications at any time. If you are a current customer residing in the EEA, we will only contact you by electronic means (email or SMS) with information about our Services that are similar to those which were the subject of a previous sale or negotiations of a sale to you.
If you are a new customer and located in the EEA, we will contact you if you are located in the EU by electronic means for marketing purposes only if you have consented to such communication. You may opt-out of further processing for purposes of direct marketing, at any time and free of charge (such as New Letters).
We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties or allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or our Services may not be available to you.
4. Cookies – Collection & Use of Data Collected Automatically
Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you have permitted) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. They are widely used in order to make Web Sites work, or work more efficiently, as well as to provide information to the owners of the site.
Cookies are stored on the hard drive of your computer and do not necessarily transmit your Personal Data to Senoa.
Cookies are used to help Senoa understand your preferences based on previous or current site activity, which enables Senoa to provide you with improved services.
Cookies are also used for security purposes and to compile aggregate Data about site traffic and site interaction so that better site experiences and tools can be offered in the future. Senoa only uses “First-Party” cookies that interact directly between our Services and your computer. Senoa does NOT track your usage across applications. Senoa may also use trusted third-party service providers that track this information on Senoa’s behalf. Our service provider(s) will place cookies on the hard drive of your computer and will receive data that we select to educate us notably on:
- How visitors navigate around our Site
- What products are browsed
- General transaction information
Our service provider(s) analyses this data and provide(s) us with aggregate reports. The data and analysis provided by our service provider(s) will be used to assist us in better understanding our visitors’ interests in our Site and how to better serve those interests. The data collected by our service provider(s) may be linked to and combined with data that we collect about you while you are using the Platform. Our service provider(s) is/are contractually restricted from using information they receive from our Site other than to assist us.
You can choose to have your computer warn you (through your browser settings) each time a cookie is being sent, or you can choose to turn off all cookies. If you choose to turn cookies off, some of the features that make your site experience more efficient may not function properly.
For the purposes of continuous optimization of the Site, Senoa uses among others the web analysis service of “Google Analytics”. Google Analytics is a web analytics service offered by Google Inc., a company of the holding company Alphabet Inc., in the USA, that tracks and reports Web Site traffic. The data collected is processed in a non-personally-identifying form (IP anonymization). Google Inc. discloses this information only to third parties to the extent required by law. Google uses the Data collected to track and monitor the use of the Senoa’ s Web Site. This Data is shared with other Google services. Google may use the collected Data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: google.com/intl/en/policies/privacy.
5. Disclosing and Transferring Personal Data
We may disclose your Personal Data to third parties and legal and regulatory authorities, and transfer your Personal Data outside the EEA, as described below.
There are certain circumstances where we may transfer your personal data to employees, contractors and to other parties.
We may also share your information with certain contractors or service providers. They may process your personal data for us, for example, if we use a marketing agency. Other recipients/service providers include advertising agencies, IT specialists, database providers, backup and disaster recovery specialists, email providers or outsourced call centers. Our suppliers and service providers will be required to meet our standards on processing information and security. The information we provide them, including your information, will only be provided in connection with the performance of their function.
We may also share your information with certain other third parties. We will do this either when we receive your consent or because we need them to see your information to provide products or services to you. These include credit reference agencies, anti-fraud databases, screening agencies and other partners we do business with.
Your personal data may be transferred to other third-party organizations in certain scenarios:
- If we’re discussing selling or transferring part or all of our business – the information may be transferred to prospective purchasers under suitable terms as to confidentiality;
- If we are reorganized or sold, information may be transferred to a buyer who can continue to provide services to you;
- If we’re required to by law, or under any regulatory code or practice we follow, or if we are asked by any public or regulatory authority;
- If we are defending a legal claim your information may be transferred as required in connection with defending such claim.
Your personal data may be shared if it is made anonymous and aggregated, as in such circumstances the information will cease to be personal data. Your information will not be sold, exchanged, or shared with any third parties without your consent, except to provide Senoa Services or as required by law.
5.1 How Personal Information is Shared With Third Party Sites and Services
Please note that merchants you interact with may have their own privacy policies. Hence Senoa is not responsible for their operations, including, but not limited to, their information practices.
Information collected by third parties, which may include such things as contact details or location data, is governed by their privacy practices. We encourage you to learn about the privacy policies of those third parties.
If you authorize one or more third-party applications to access your Senoa Account, then information you have provided to Senoa may be shared with those third parties. Unless you provide further authorization, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using Senoa Services.
6. Transfer of Data
We store and process your Personal Data in data centers around the world, wherever we have our premises or service providers are located.
As such, we may transfer your Personal Data outside of Canada, the United States of America. Some of the countries to which your personal data may be transferred do not benefit from an appropriate protection regulation.
7. Security of Data
We take all reasonable effort on technical and organizational security measures to protect your Data from being manipulated, lost or accessed by unauthorized third-parties. Our Web Site is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our Site as safe as possible.
Your Personal Data is contained behind secured networks and is only accessible by a limited number of individuals who have special access rights to such systems and are required to keep the information confidential.
Although no method of transmission over the Internet, or method of electronic storage is one hundred percent secure, we strive to continually update and improve our security measures with the most recent technological developments.
We would like to draw your attention on the fact that we normally never ask for financial or payment information, such as your credit card number, passcode, account number or pin number, in an e-mail, text or any other communication that we send to you. Please always check that any Web Site on which you are asked for financial or payment information in relation to our reservations or services is operated by Senoa. The risk of impersonating hackers exists and should be taken into account when using our Web Site and/or Services.
8. Retention of Data
8.1 Personal Data
Senoa will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your Data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
Therefore, and in accordance with our record keeping obligations, we will retain Account and other Personal Data for at least five years (and some up to ten years, as required by applicable law) after an Account is closed.
8.2 Data Collected Automatically
Senoa will also retain Data Collected Automatically either generated by the use of the Web Site or from the Web Site infrastructure itself (for example, the duration of a page visit)) for internal analysis purposes.
This Data is generally retained for a shorter period of time, except when this Data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this Data for longer time periods.
Hence, this kind of Data collected via technical means such as cookies, webpage counters and other analytics tools is normally kept for a period of up to one year from expiry of the cookie.
9. Disclosures Due to Legal Compliance
Senoa complies with all applicable privacy laws and regulations.
Senoa may be compelled to surrender personal user or customer information to legal authorities without express user consent if presented with a court order or similar legal or administrative order, or as required or permitted by the laws, rules, and regulations of any nation, state, or other applicable jurisdiction.
Also, in the event of a violation of the Terms & Conditions of use of the Site or a violation of any restrictions on use of materials provided in or through the Site, we may disclose personal user information to our affected business partners or legal authorities.
10. Your Rights
Senoa is the Data Controller with respect to your Personal Data. We determine the means and purposes of processing you Data.
We may process your Personal Data if you consent to the processing, to satisfy our legal obligations, if it is necessary to carry out our obligations arising from any contracts we entered with you, or to take steps at your request prior to entering into a contract with you, or for our legitimate interests to protect our property, rights or safety of Senoa, our customers or others.
Whenever made possible, you can update your Personal Data directly within your account settings section. If you are unable to change your Personal Data, please contact us to make the required changes.
Should you have any question or wish you exercise your Rights, please contact our Data Protection Officer by writing an email at [email protected] so that we may consider your request under applicable law.
We reserve our right to verify your identity before responding to such requests.
Please note that according to certain national laws, which we have no control over, specific Data must be stored for a determined period of time. Such Data must be therefore remained with Senoa until the legal period has expired.
These specific Data are blocked in our system and used only in order to meet legal requirements.
10.2 Individual Rights in Relation With Your Data
10.2.1 Right to Access Your Personal Data
You are entitled to ask Senoa if we are processing your Data. In case the answer is positive, you can request that we provide you a copy of your Personal Data we hold. We may require you to specify the information or processing activities to which your request relates. This information will be provided without undue delay.
Your right to access shall only be limited where the burden or expense of providing access would be disproportionate to the risks to your privacy in the case in question, or where the rights of persons other than you would be violated.
10.2.2 Right to Correct Your Personal Data
You are entitled to request that any incomplete or inaccurate Personal Data we hold about you is corrected or updated.
Your right to access and correction shall only be limited where the burden or expense of providing access would be disproportionate to the risks to your privacy in the case in question, or where the rights of persons other than you would be violated.
10.2.3 Right to Withdraw Your Consent
You have the right to withdraw your consent to the processing of your Personal Data collected on the basis of your consent at any time. Your withdrawal will not affect the lawfulness of previous processing based on your consent before the withdrawal.
10.2.4 Right to Erasure of Your Personal Data
You are entitled to ask us to delete or remove personal data in certain circumstances. There are also certain exceptions where we may refuse a request for erasure, for example, where the personal data is required for compliance with law or in connection with claims.
10.2.5 Right to Data Portability
If we process your Personal Data based on a contract with you or based on your consent, or the processing is carried out by automated means, you may request to receive your Personal Data in a structured, commonly used and machine-readable format, and to have us transfer your Personal Data directly to another “controller” (natural or legal person that determines the purposes and means of the processing of your Personal Data), where technically feasible, unless exercise of this right adversely affects the rights and freedoms of others.
10.2.6 Right to Restriction of Processing
You have the right to restrict or object to us processing your Personal Data where one of the following applies:
- You contest the accuracy of your Personal Data that we processed. In such instances, we will restrict processing during the period necessary for us to verify the accuracy of your Personal Data.
- The processing is unlawful, and you oppose the erasure of your Personal Data and request the restriction of its use instead.
- We no longer need your Personal Data for the purposes of the processing, but it is required by you to establish, exercise or defense of legal claims.
10.2.7 Right to Objection of Processing
Where we are processing your personal data based on consent or legitimate interests (or those of a third party) you may object at any time to the processing of your Personal Data. However, we may be entitled to continue processing your Personal Information based on our legitimate interests or where this is relevant to the defense of legal claims.
You also have the right to object where we are processing your personal data for direct marketing purposes.
10.2.8 Automated Decisions
You may contest any automated decision made about you where this has a legal or similar significant effect and ask for it to be reconsidered.
If you believe that we have infringed your rights, we encourage you to contact us first at [email protected] so that we can try to resolve the issue informally.
11. Children’s Personal Data
We do not knowingly request to collect Personal Data from any person under the age of 18.
If a user submitting Personal Data is suspected of being younger than 18 years of age, Senoa will require the user to close his or her account.
We will also take all necessary steps to delete his or her Data as soon as possible.
12. Links to Other Web Sites
Senoa’s Web Site may contain links to other sites that are not operated by Senoa. If you click on a third-party link, you will be directed to that third party’s site.
Senoa has no control over and assumes no responsibility for the content, privacy policies or practices of any third-party sites or services.
14. Contact Us