温州银行隐私权政策

温州银行我们,该表述包括实际向您提供产品与服务的温州银行股份有限公司)非常重视用户的隐私和个人信息保护。您(作为中国大陆个人或企业)在使用我们的产品与/或服务时,我们可能会收集和使用您的相关信息。我们希望通过本《温州银行隐私权政策》(隐私政策)向您说明我们在您使用我们的产品与/或服务时是如何收集、使用、保存、共享和转让这些信息,以及我们为您提供的管理和保护这些信息的方式。本隐私政策同您与我们订立的《温州银行跨境电商支付结算服务协议》具有同等法律效力,当您点击并确认页面相应按钮时,您同时同意并接受了本隐私政策和《温州银行跨境电商支付结算服务协议》项下所有的条款和条件。

 

本政策将帮助您了解以下内容:

1、我们如何收集和使用您的个人信息

2、我们如何使用 Cookie 和同类技术

3、我们如何共享、转让、公开披露您的个人信息

4、我们如何保护和保存您的个人信息

5、您如何管理个人信息

6、儿童个人信息的保护

7、您的个人信息如何在全球范围转移

8、本政策如何更新

 

本隐私政策与您所使用的温州银行跨境电商支付结算服务以及该服务所包括的各种业务功能息息相关,希望您在使用我们的产品与/或服务前仔细阅读并确认您已经充分理解本政策所写明的内容,并让您可以按照本隐私政策的指引做出您认为适当的选择。我们对本政策中与您的权益存在重大关系的条款和个人敏感信息,采用粗体字进行标注以提示您注意。

您使用或在我们更新本隐私政策后继续使用我们的产品与/或服务,即意味着您同意本隐私政策(含更新版本)内容,并且同意我们按照本隐私政策收集、使用、保存和共享您的相关信息。除非本隐私政策有特别约定的,《温州银行跨境电商支付结算服务协议》下已定义的术语和指代同样适用于本隐私政策。

 

一、我们如何收集和使用您的个人信息

个人信息是指以电子或者其他方式记录的能够单独或者与其他信息结合识别特定自然人身份或者反映特定自然人活动情况的各种信息。个人敏感信息是指一旦泄露、非法提供或滥用可能危害人身和财产安全,极易导致个人名誉、身心健康受到损害或歧视性待遇等的个人信息。

在您使用温州银行跨境电商支付结算服务的过程中,我们需要收集和使用您的个人信息,用以向您提供服务、提升我们的服务质量、保障您的收款账户和资金安全以及符合中国的相关法律法规以及监管规定。

(基于以下目的,我们会收集和使用您的如下相关个人信息:

1. 在您注册温州银行跨境电商支付结算服务时,根据适用的法律法规和监管规定以及我们自行制定的合规和风控要求我们需要核验您的身份,您应向我们提供您的身份基本信息,包括姓名(包括您的英文名称,如适用)、户籍、国籍、性别、职业、住址、出生日期、身份证号码、年龄、联系电话、联系邮箱以及有效身份证的种类、号码、有效期和该有效身份证件的彩色影印件和手持身份证彩色照片以及开立在我行的账户信息如开立在我行的银行卡号码);您知悉并同意,我们可能自行或通过同我们合作的第三方认证机构(包括政府部门数据库)来核验您的相关信息;若您不提供前述信息,您将无法成功完成注册成为我们的用户,相应地,您也无法使用我们提供的温州银行跨境电商支付结算服务

2. 为了使用跨境收款服务,您应向我们提供您在相关电商平台(例如亚马逊)上开展贸易活动所形成的交易和结算信息;若您不提供前述信息,您将无法使用我们的跨境收款服务;

3. 若您使用除了跨境收款服务以外的其他跨境支付服务(例如合作第三方VAT付款服务),我们将基于与您另行签署的补充服务协议的约定向您获取同意从而收集和使用您的相关信息;

4. 为了验证您的重要操作行为(如:找回或修改密码、开具账户和资金相关凭证、冻结您的账户资金、注销您的跨境电商名单),根据我们的要求,您可能需要向我们提供您的登录密码、支付密码、安全密保问题及答案、联系邮箱、联系电话、身份证影印件、手持身份证照片、交易凭证及其他在具体业务开展过程中基于您的同意而收集的可识别您身份的证明资料;若您不提供前述信息,我们将不会根据您的指令为您完成特定操作;

5. 为了解决您使用温州银行跨境电商支付结算服务过程中所遇到的相关问题,在我们开始为您解决问题前,我们需要对您的身份进行验证,根据我们的要求,您可能需要向我们提供身份证影印件、手持身份证照片

6. 为了保障向您提供的服务的安全稳定性,同时根据适用的法律法规和监管规定以及我们自行制定的风控要求,我们可能会收集您的计算机、手机或其他访问设备,或应用(例如浏览器软件、微信小程序)发送给我们的信息,发送给我们的信息包括:网络IP地址、设备信息、设备MAC地址、您的浏览器版本信息、手机环境信息和地理位置信息;若您不同意我们收集前述信息,可能会影响您继续使用我们的服务;

 (其他用途

我们将收集的信息用于本隐私政策未载明的其他用途,或者将基于特定目的收集而来的信息用于其他目的时,会另行事先征求您的书面同意。

(征得您授权同意的例外

根据中国以及其他相关国家、地区和领域的法律法规规定和监管要求,以下情形中收集您的个人信息无需征得您的授权同意:

1、与中国以及其他相关国家、地区和领域的安全、国防安全有关的;

2、与公共安全、公共卫生、重大公共利益有关的;

3、与犯罪侦查、起诉、审判和判决执行等有关的;

4、出于维护个人信息主体或其他个人的生命、财产等重大合法权益但又很难得到您本人同意的;

5、所收集的个人信息是您自行向社会公众公开的;

6、从合法公开披露的信息中收集个人信息的,如合法的新闻报道、政府信息公开等渠道;

7、根据您的要求签订合同所必需的; 

8、用于维护所提供的产品或服务的安全稳定运行所必需的,例如发现、处置产品或服务的故障;

9、为合法的新闻报道所必需的;

10、学术研究机构基于公共利益开展统计或学术研究所必要,且对外提供学术研究或描述的结果时,对结果中所包含的个人信息进行去标识化处理的;

11、法律法规规定的其他情形。

 

二、我们如何使用 Cookie 和同类技术

(一) Cookie Cookie 同类技术

若您通过计算机或移动设备访问我们网站时,为确保网站正常运转、为您获得更轻松的访问体验,,我们可能会通过小型数据文件识别您的身份,这些小型数据文件可能是CookieFlash Cookie,或浏览器(或关联应用程序)提供的其他通常包含标识符、站点名称以及一些号码、字符或数据的本地存储(统称“Cookie”)。借助于 Cookie 能够使我们在一段时间内记住您的操作和偏好(例如登录,语言,字体大小和其他显示首选项),因此,当您从一页浏览到另一页返回网站时不用重新登录。如果您的浏览器或浏览器附加服务允许,您可修改对Cookie的接受程度或拒绝我们的Cookie。但如果您这么做,在某些情况下可能会影响您安全访问我们的网站,且可能需要在每一次访问我们的网站时更改用户设置。

(二) 若您通过第三方应用软件(例如微信小程序)注册或使用温州银行跨境电商支付结算服务的,我们将遵照您与该等第三方应用软件另行达成的约定和授权使用相关Cookie

 

三、我们如何共享、委托处理、转让、公开披露您的个人信息

(一)共享

1、我们将根据本隐私政策的规定对您的信息进行严格保密。除了适用法律法规及监管部门另有规定外,我们仅在以下情形中与合作第三方共享您的信息:

1)事先获得您明确的同意或授权,我们将在法律法规允许范围内依据您的授权范围与相关合作第三方共享您的信息;

2)根据适用的法律法规、法律程序的要求、强制性的行政或司法要求所必须的情况下进行提供;

3)在法律法规允许的范围内,为维护我们我们的合作第三方、您或其他用户或社会公众利益、财产或安全免遭损害而有必要提供;

4)某些产品或服务可能由我们的合作第三方提供或由我们与合作第三方共同提供,因此,只有共享您的信息,才能实现我们的产品与/或服务的核心功能或提供您需要的产品或服务

5)如果您选择参与我们和相关合作第三方联合开展的营销、推广活动,我们可能共享该活动过程中产生的、为完成活动所必要的信息,以便该合作第三方能及时向您提供服务、权益或福利,我们会依据法律法规的要求,在相关活动规则页面或通过其他途径进行具体的进一步告知;

6)应您需求为您处理您与他人的纠纷或争议;

7)符合与您签署的相关协议约定或其他的法律文件规定所要求提供的;

8)基于学术研究而使用;

9)基于符合法律法规的社会公共利益而使用。

2、根据本条前述规定,我们可能会向合作第三方共享与您有关的信息。我们仅会出于合法、正当、必要、特定、明确的目的共享您的个人信息,并且只会共享提供服务所必要的个人信息。我们的合作伙伴包括以下类型: 

§ 同我们合作的银行或金融机构:在为您提供跨境电商支付结算服务时,根据相关合作银行或金融机构的合规、反洗钱等监管要求共享您的信息(主要为您的身份信息及交易信息)以实现有关支付的进一步操作(包括验证您的信息、核验并处理与您相关的支付指令等);若为您提供的服务需要中国境外的合作银行或金融机构的参与或协助的,您的相关信息也将传输至该等境外合作机构(针对数据跨境传输的情形,我们将按照本隐私政策第七条约定提供相关保护);

§ 同我们合作的第三方认证机构,这些机构将帮助我们对您提供的信息(主要为您的身份信息)进行真实性、准确性等方面的认证; 

§ 同我们合作的电商平台:如果您是与我们合作的电商平台的卖家,我们将根据与该等电商平台合作内容(例如亚马逊支付服务商计划)共享您的信息(主要为您的身份信息及交易信息)以帮助发现和防止欺诈、洗钱、假冒商品交易以及其他犯罪或滥用行为;

§ 其他服务提供商:让与我们有合同关系的服务提供商能够支持我们的业务运营,例如防止欺诈、客户服务和技术服务。我们的合同规定,这些服务提供商只能出于为我们提供服务的目的使用您的信息,而不得出于其自身利益使用您的信息。

3、对我们与之共享个人信息的公司、组织和个人,我们会与其签署严格的数据保护协定,要求他们按照我们的说明、本隐私政策以及其他任何相关的保密和安全措施来处理个人信息。

4、请注意:如果您直接在第三方网站或通过第三方应用程序进行交易,您在该网站或应用程序上输入的任何信息将与第三方网站或应用程序的所有者共享。鉴于该网站或应用程序方可能会有其自身的隐私政策规则,建议您在向其提供个人信息之前,查看它们的隐私政策规则。我们对此类第三方的内容或信息规范不承担任何责任。 

(二)转让。我们不会将您的个人信息转让给任何公司、组织和个人,但以下情况除外:

1、事先获得您明确的书面同意或授权; 

2、根据适用的法律法规、法律程序的要求、强制性的行政或司法要求所必须的情况进行提供;

3、符合与您签署的相关协议或其他的法律文件约定所要求提供的; 

4、在涉及合并、收购、资产转让或类似的交易时,如涉及到个人信息转让,我们会要求新的持有您个人信息的公司、组织继续受本隐私政策的约束,否则,我们将要求该公司、组织重新向您征求授权同意        

)公开披露。 我们仅会在以下情况下,且采取符合业界标准的安全防护措施的前提下,才会公开披露您的个人信息:

1、根据您的需求,在您明确同意的披露方式下披露您所指定的个人信息;

2、根据法律、法规的要求、强制性的行政执法或司法要求所必须提供您个人信息的情况下,我们可能会依据所要求的个人信息类型和披露方式公开披露您的个人信息。在符合法律法规的前提下,当我们收到上述披露信息的请求时,我们会要求必须出具与之相应的法律文件,如传票或调查函。我们坚信,对于要求我们提供的信息,应该在法律允许的范围内尽可能保持透明。我们对所有的请求都进行了慎重的审查,以确保其具备合法依据,且仅限于执法部门因特定调查目的且有合法权利获取的数据。在法律法规许可的前提下,我们披露的文件均在加密密钥的保护之下。

)根据相关法律法规的规定,在以下情形中,我们可能会依法共享、转让、公开披露您的个人信息而无需征得您的同意:

1、与履行法律法规及监管部门规定的义务相关的;

2、与国家安全、国防安全直接相关的;

3、与公共安全、公共卫生、重大公共利益直接相关的;

4、与犯罪侦查、起诉、审判和判决执行等直接相关的;

5、出于维护您或其他个人的生命、财产等重大合法权益但有很难得到您本人同意的;

6、您自行向社会公众公开的个人信息;

7、从合法公开披露的信息中收集的个人信息。

 

四、我们如何保护和保存您的个人信息

(一)我们已采取符合业界标准、合理可行的安全防护措施保护您提供的个人信息安全,防止个人信息遭到未经授权访问、公开披露、使用、修改、损坏或丢失。例如,在您的浏览器与服务器之间交换数据时受 SSLSecure Socket Layer)协议加密保护;我们会使用加密技术提高个人信息的安全性;我们会使用受信赖的保护机制防止个人信息遭到恶意攻击;我们会部署访问控制机制,尽力确保只有授权人员才可访问个人信息。

(二)我们有行业先进的以数据为核心,围绕数据生命周期进行的数据安全管理体系,从组织建设、制度设计、人员管理、产品技术等方面多维度提升整个系统的安全性。

(三)我们会采取合理可行的措施,尽力避免收集无关的个人信息。我们只会在达成本隐私政策所述目的所需的期限内保留您的个人信息,除非需要延长保留期或受到法律的允许。我们将严格落实数据存储期限最小必要原则,如相关数据不再具有存储使用必要及法律限制的,我们将及时采取数据删除或者匿名化处理措施。

(四)互联网并非绝对安全的环境,我们强烈建议您不要使用非温州银行推荐的通信方式发送个人信息。您可以通过我们的服务建立联系和相互分享。当您通过我们的服务创建交流、交易或分享时,您可以自主选择沟通、交易或分享的对象,作为能够看到您的交易内容、联络方式、交流信息或分享内容等相关信息的第三方。

在使用我们的服务进行网上交易时,您不可避免地要向交易对方或潜在的交易对方披露自己的个人信息,如联络方式或联系地址。请您妥善保护自己的个人信息,仅在必要的情形下向他人提供。如您发现自己的个人信息发生泄露,请您立即联络我们客服,以便我们根据您的申请采取相应措施。

请注意,您在使用我们服务时自愿共享甚至公开分享的信息,可能会涉及您或他人的个人信息甚至个人敏感信息,如您在评价时选择上传包含个人信息的图片。请您更加谨慎地考虑,是否在使用我们的服务时共享甚至公开分享相关信息。

(五)在不幸发生个人信息安全事件后,我们将按照法律法规的要求向您告知:安全事件的基本情况和可能的影响、我们已采取或将要采取的处置措施、您可自主防范和降低风险的建议、对您的补救措施等。事件相关情况我们将以邮件、信函、电话通知等方式告知您,难以逐一告知个人信息主体时,我们会采取合理、有效的方式发布公告。同时,我们还将按照监管部门要求,上报个人信息安全事件的处置情况。

 

五、您如何管理个人信息

(一)查看更正或补充您的信息。我们非常重视您对个人信息的查看、更正等管理需求,并将尽全力帮助您保障您的隐私和安全。

若您在我们提供的平台(若适用)注册了跨境电商名单和收款账户,您可通过登陆查阅您的身份信息(如电子邮件地址、联系号码、登陆密码等)和银行账户信息(如绑定的银行卡账号等),或修改您的相关个人信息(如联系号码、登陆密码等)。但出于安全性和身份识别的考虑或根据法律法规的强制规定,您可能无法修改注册时提供的部分初始注册信息。

(二)删除您的信息。在以下情形中,您可以向我们提出删除您提供的个人信息:  

1、如果我们处理个人信息的行为违反法律法规;

2、如果我们收集、使用您的个人信息,却未征得您的明确同意;

3、如果我们处理个人信息的行为严重违反了与您的约定;

4、如果您不再使用我们的产品或服务,或您主动注销了账号;

5、如果我们永久不再为您提供产品或服务。

若我们综合相关法律法规要求的基础上决定响应您的删除请求的,我们还将同时尽可能通知从我们处获得您的个人信息的主体,并要求其及时删除(除非法律法规另有规定,或这些主体已独立获得您的授权)。

当您或我们协助您删除相关信息后,因为适用的法律和安全技术,我们可能无法立即从备份系统中删除相应的信息,我们将安全地存储您的个人信息并将其与任何进一步处理隔离,直到备份可以清除或实现匿名。

)响应您的请求。

为保障安全,您可能需要提供书面请求,或以其他方式证明您的身份。我们可能会先要求您验证自己的身份,然后再处理您的请求。对于您合理的请求,我们原则上不收取费用,但对多次重复、超出合理限度的请求,我们将视情收取一定成本费用。对于那些无端重复、需要过多技术手段、给他人合法权益带来风险或者非常不切实际的请求,我们可能会予以拒绝。 

在以下情形中,按照中国以及其他相关国家、地区和领域的法律法规规定与/或监管要求,我们将无法响应您的请求: 

1、与中国和其他相关国家、地区和领域安全、国防安全直接相关的; 

2、与公共安全、公共卫生、重大公共利益直接相关的; 

3、与犯罪侦查、起诉、审判和判决执行等直接相关的; 

4、有充分证据表明您存在主观恶意或滥用权利的; 

5、响应您的请求将导致您或其他个人、组织的合法权益受到严重损害的;

6、涉及商业秘密的。

 

六、儿童个人信息的保护

我们的产品、网站和服务面向成人。我们严格遵守国家相关法律法规要求,仅在获取父母或其他监护人授权同意的基础上收集、处理儿童(本政策内儿童系指14周岁以下未成年人)个人信息。如果我们发现自己在未事先获得可证实的父母或其他监护人同意的情况下收集了儿童的个人信息,我们会设法尽快删除相关数据。对于经父母或监护人同意而收集的儿童的个人信息情况,我们只会在受到法律允许、父母或其他监护人明确同意或者保护儿童所必要的情况下使用或公开披露此信息。

 

七、您的个人信息如何在全球范围转移

我们在中华人民共和国境内运营中收集和产生的关于您的个人信息,将存储在中国境内。 鉴于我们在全球范围内向您提供跨境电商支付结算服务在中国相关法律法规允许的范围内,在获取您授权同意的基础上,您的个人信息可能需要向中国境外的合作银行或其他合作机构进行传输。我们在满足中国法律法规相关规定和要求的前提下,且将尽商业合理上的最大努力采取措施确保您的信息转移披露是符合当地法律法规的要求,同时,我们也将采取合理必要的一切步骤(包括但不限于加密传输、限制可访问范围、与数据接收方签订数据处理协议或者含有数据处理条款的合作协议以明确双方数据保护责任义务等)或者在合作方认可的情况下对个人敏感信息进行脱敏传输,确保您的个人信息得到安全处理,并符合本隐私政策的保护约定。 

八、本政策如何更新

本隐私政策此后可能会发生变更。我们会在网站或交易页面上发布对本政策所做的任何变更。 对于重大变更,我们还会提供更为显著的通知(包括对于某些服务, 我们会通过电子邮件或其他方式发送通知,说明隐私政策的具体变更内容)。本政策所指的重大变更包括但不限于: 

1、我们的服务模式发生重大变化,如处理个人信息的目的、处理的个人信息类型、个人信息的使用方式等; 

2、个人信息共享、转让或公开披露的主要对象发生变化; 

3、您参与个人信息处理方面的权利及其行使方式发生重大变化; 

4、个人信息安全影响评估报告表明存在高风险时。 

Bank of Wenzhou privacy policy

Bank of Wenzhou (" we ", this expression includes Bank of Wenzhou Co., LTD., which actually provides products and services to you) attaches great importance to the protection of users' privacy and personal information.We may collect and use your information when you (as an individual or enterprise in Mainland China) use our products and/or services.We wish to use this Bank of Wenzhou privacy policy(the "Privacy Policy") to explain to you how we collect, use, store, share and transfer such information when you use our products and/or services, and how we provide you with the means to manage and protect such information.This Privacy Policy has the same legal effect as the "Bank of Wenzhou Cross-border E-commerce Payment and Settlement Service Agreement" signed between you and us. When you click and confirm the corresponding button on the page, you agree and accept all terms and conditions of this Privacy Policy and the "Bank of Wenzhou Cross-border E-commerce Payment and Settlement Service Agreement".

 

This policy will help you understand the following:

1. How do we collect and use your personal Information

2. How do we use cookies and similar technologies

3. How do we share, transfer and publicly disclose your personal Information

4. How do we protect and store your personal information

5. How do you manage personal information

6. Protection of children's personal information

7. How will your personal information be transferred globally

8. How to update this policy

 

This privacy policy and the Bank of Wenzhou cross-border electricity you use payment and settlement services and the service including the various business functions, hope you use our products and/or service before read carefully and make sure you have fully understand the content of this policy set forth, and let you can in accordance with this privacy policy guidance you think appropriate choices.Clauses and sensitive personal information in this policy that have a significant impact on your rights and interests are marked in bold to remind your attention.

By using or continuing to use our products and/or services after we update this Privacy Policy, you agree to the contents of this Privacy Policy (including the updated version) and to us collecting, using, storing and sharing your information in accordance with this Privacy Policy.Unless otherwise specified in this Privacy Policy, the terms and references defined in the Bank of Wenzhou Cross-border E-commerce Payment and Settlement Service Agreement shall also apply to this Privacy Policy.

 

I. How do we collect and use your personal Information

Personal information refers to all kinds of information recorded electronically or in other ways that can independently or in combination with other information identify the identity of a particular natural person or reflect the activities of a particular natural person.Sensitive personal information refers to personal information that, once disclosed, illegally provided or abused, may endanger personal and property safety, easily cause personal reputation, physical and mental health damage or discriminatory treatment.

When you use the cross-border e-commerce payment and settlement service of Bank of Wenzhou, we need to collect and use your personal information to provide services to you, improve our service quality, ensure the security of your receiving account and funds, and comply with relevant laws and regulations and regulatory regulations of China.

(I) We will collect and use your personal information for the following purposes:

1. When you register the cross-border e-commerce payment and settlement service of Bank of Wenzhou, we need to verify your identity according to applicable laws, regulations and regulatory provisions as well as our own compliance and risk control requirements. You should provide us with your basic identity information, including your name (including your English name, If applicable), household registration, nationality, sex, occupation, address, date of birth, id number, age, contact phone number, contact email and valid id card type, number, validity, and the color photocopies of the valid identity documents and handheld id color photos, and open an account in our bank information (e.g., open a bank card number) in our bank.You acknowledge and agree that we may verify your information on our own or through third-party certification bodies (including government department databases) that we work with;If you do not provide the above information, you will not be able to successfully complete registration as our user, and accordingly, you will not be able to use the Bank of Wenzhou cross-border e-commerce payment and settlement services provided by us;

2. In order to use the cross-border payment service, you should provide us with the transaction and settlement information generated by your trade activities on relevant e-commerce platforms (such as Amazon);If you do not provide the above information, you will not be able to use our cross-border payment service;

3. If you use cross-border payment services other than cross-border collection services (such as cooperative third-party VAT payment services), we will collect and use your relevant information by obtaining your consent in accordance with the supplementary Services Agreement signed with you separately;

4. In order to verify your significant operational behavior (e.g. Retrieve or modify your password, issue your account and capital-related vouchers, freeze your account funds, cancel your cross-border e-commerce list), according to our requirements, You may need to provide us with your login password, payment password, security and secret protection questions and answers, contact email address, contact phone number, photocopy of your ID card, photo of your ID card, transaction vouchers and other identification documents collected based on your consent during the specific business development process.If you do not provide the above information, we will not perform specific operations for you according to your instructions;

5. In order to solve the problems you encounter when using the cross-border e-commerce payment and settlement service of Bank of Wenzhou, we need to verify your identity before we start to solve the problems for you. According to our requirements, you may need to provide us with a photocopy of your ID card and a photo of your ID card;

6. To provide you with services in order to ensure the safety of the stability, at the same time, according to the applicable laws and regulations, and we make the risk control requirements, we may collect your computer, mobile phone or other access devices, or application (such as browser software, WeChat small programs, etc.) to send information to us, send us information including: Network IP address, device information, device MAC address, your browser version information, mobile phone environment information and geographic location information;If you do not agree to our collection of the aforementioned information, it may affect your continued use of our services;

 (II) other purposes

We will otherwise seek your prior written consent to use the Information we collect for other purposes not specified in this Privacy Policy or to use the information we collect for a specific purpose for other purposes.

(III) exceptions with your authorization and consent

In accordance with the laws, regulations and regulatory requirements of China and other relevant countries, regions and areas, the collection of your personal information does not require your authorization and consent under the following circumstances:

1. Relevant to the security and national defense of China and other relevant countries, regions and fields;

2. Those related to public security, public health or major public interests;

3. those related to criminal investigation, prosecution, trial and execution of judgment;

4. For the purpose of safeguarding the life, property and other important legal rights and interests of the subject of personal information or other individuals, but it is difficult to get your consent;

5. The collected personal information is disclosed to the public by you;

6. Collect personal information from legally publicly disclosed information, such as legal news reports, government information disclosure and other channels;

7. Necessary to sign the contract according to your requirements; 

8. Necessary for maintaining the safe and stable operation of the provided products or services, such as finding and disposing of faults of the products or services;

9. Necessary for legitimate news reporting;

10. When academic research institutions carry out statistical or academic research necessary for the public interest, and provide the results of academic research or description to the public, they de-label the personal information contained in the results;

11. Other circumstances stipulated by laws and regulations.

 

II.How do we use cookies and similar technologies

(I) Cookie and Cookie similar technology

If you visit our website through computers or mobile devices, in order to ensure the normal operation of the website and provide you with an easier access experience, we may identify your identity through small data files, such as cookies or Flash cookies. Or other local storage (collectively, "cookies") provided by a browser (or associated application) that typically contains identifiers, site names, and some numbers, characters, or data.Cookies enable us to remember your actions and preferences (such as login, language, font size, and other display preferences) for a period of time, so you don't have to re-log in when you go from page to page and return to the site.If your browser or browser Add-on services allow you, you may modify your acceptance of cookies or reject our cookies.However, if you do so, it may affect your secure access to our site under certain circumstances and may require you to change user Settings each time you visit our site.

(II) If you register or use the cross-border e-commerce payment and settlement service of Bank of Wenzhou through a third party application software (such as wechat mini program), we will comply with the agreement and authorization separately reached between you and such third party application software.

 

III. How do we share, entrust, transfer and publicly disclose your personal information

(I) Sharing

1. We will keep your information strictly confidential according to the provisions of this Privacy Policy.Except as otherwise stipulated by applicable laws, regulations and regulatory authorities, we will only share your information with partner third parties under the following circumstances:

(1) With your explicit consent or authorization in advance, we will share your information with relevant third parties within the scope permitted by laws and regulations and in accordance with your authorization;

(2) in accordance with applicable laws and regulations, the requirements of legal procedures, mandatory administrative or judicial requirements;

(3) To the extent permitted by laws and regulations, it is necessary to protect us or our cooperative third parties, you or other users or the public interests, property or safety from damage;

(4) Certain products or services may be provided by or jointly provided by our third parties. Therefore, only by sharing your information can we realize the core functions of our products and/or services or provide products or services you need;

(5) If you choose to participate in marketing and promotion activities jointly carried out by us and relevant third parties, we may share the information generated in the process of such activities and necessary to complete the activities so that the third party can provide you with services, rights and benefits in a timely manner. We will comply with the requirements of laws and regulations. Specific further information on the relevant activity rules page or through other channels;

(6) Handle disputes or disputes between you and others as required;

(7) in accordance with relevant agreements signed with you or other legal documents required to provide;

(8) Use based on academic research;

(9) Based on the social public interest in accordance with laws and regulations.

2. In accordance with the foregoing provisions of this Article, we may share information related to you with cooperating third parties.We will only share your personal information for lawful, legitimate, necessary, specific and explicit purposes and will only share such personal information as is necessary to provide the services.Our partners include the following types:

§ work with our bank or financial institution: in providing you with cross-border electricity payment and settlement services, according to the compliance of the relevant cooperation bank or financial institution, the anti-money laundering regulatory requirements such as sharing your information (mainly for your id information and transaction information) in order to achieve further about payment operations (including process, check and verify your information associated with your payment instructions, etc.);If the services provided to you require the participation or assistance of cooperative banks or financial institutions outside China, your relevant information will also be transmitted to such cooperative institutions outside China (for cross-border data transmission, we will provide relevant protection in accordance with Article 7 of this Privacy Policy);

§ Third-party certification agencies that cooperate with us to help us verify the authenticity and accuracy of the information you provide (mainly your identity information); 

§ electric business platform for cooperation with us: if you are a electric business platform for the seller to cooperate with us, we will work according to the electric business platform, such as the content (such as amazon payments service plan) to share your information (major) for your id information and transaction information to help find and prevent fraud, money laundering, counterfeit goods trading and other crimes or abuse;

§ Other Service Providers: Enabling service providers with whom we have contractual relationships to support our business operations, such as fraud prevention, customer service and technical services.Our contract states that these service providers may use your information only for the purpose of providing services to us and not for their own benefit.

3. We will sign strict data protection agreements with companies, organizations and individuals with whom we share personal Information, requiring them to handle personal information in accordance with our instructions, this Privacy Policy and any other relevant confidentiality and security measures.

4. Please note: If you transact directly on a third party website or through a third party application, any information you enter on that website or application will be shared with the owner of the third party website or application.Since the site or application may have its own privacy policy rules, it is recommended that you review their privacy policy rules before providing personal information to them.We assume no responsibility for the content or information specifications of such third parties. 

(II) Transfer.We will not transfer your personal information to any company, organization or individual except for the following circumstances:

1. Obtain your explicit written consent or authorization in advance; 

2. In accordance with applicable laws and regulations, requirements of legal procedures, mandatory administrative or judicial requirements;

3. Provided in accordance with relevant agreements or other legal documents signed with you; 

4. In the case of merger, acquisition, asset transfer or similar transaction, if the transfer of personal information is involved, we will require the new company or organization that holds your personal information to continue to be bound by this Privacy Policy; otherwise, we will require the company or organization to ask you for authorization again.        

(III) Public disclosure.We will only publicly disclose your personal information if we take industry-standard security measures:

1. According to your requirements, disclose your designated personal information in a manner that you have expressly agreed to;

2. If we are required to provide your personal information in accordance with laws, regulations, compulsory administrative law enforcement or judicial requirements, we may publicly disclose your personal information based on the type and disclosure method of personal information required.Subject to compliance with laws and regulations, when we receive such disclosure requests, we will require the issuance of corresponding legal documents, such as subpoenas or letters of investigation.We firmly believe that we should be as transparent as the law allows about the information we are asked to provide.We carefully review all requests to ensure they have a legitimate basis and are limited to data that law enforcement has a legitimate right to obtain for specific investigative purposes.As permitted by laws and regulations, all documents disclosed by us are protected by encryption keys.

(IV) In accordance with relevant laws and regulations, we may share, transfer or publicly disclose your personal Information in accordance with the law without your consent under the following circumstances:

1. Related to the performance of obligations stipulated by laws and regulations and regulatory authorities;

2. Those directly related to national security and national defense security;

3. Those directly related to public security, public health or major public interests;

4. those directly related to criminal investigation, prosecution, trial and execution of judgment;

5. For the protection of your or other personal life, property and other important legal rights and interests, but it is difficult to get your consent;

6. Personal information disclosed to the public by you;

7. Personal information collected from lawfully publicly disclosed information.

 

IV. How do we protect and preserve your personal Information

(I) We have taken reasonable and feasible security measures in accordance with industry standards to protect the security of your personal information and prevent unauthorized access, public disclosure, use, modification, damage or loss of personal information.For example, data exchanged between your browser and server is protected by the Secure Socket Layer (SSL) protocol.We will use encryption to make personal information more secure;We will use trusted protection mechanisms to protect personal information from malicious attacks;We will deploy access control mechanisms to ensure that only authorized personnel have access to personal information.

(II) We have the industry's advanced data as the core, around the data life cycle of data safety management system, from organizational construction, system design, personnel management, product technology and other aspects to enhance the security of the whole system.

(III) We will take reasonable and practicable measures to avoid collecting irrelevant personal information.We will only retain your personal information for as long as necessary to achieve the purposes stated in our Privacy Policy, unless the retention period is extended or permitted by law.We will strictly implement the principle of minimum necessary data storage period. If relevant data is no longer necessary for storage and legal restrictions, we will take timely measures to delete or anonymize data.

(IV) The Internet is not an absolutely safe environment. We strongly advise you not to send your personal information by any communication method not recommended by Bank of Wenzhou.You can connect and share with each other through our services.When you create exchanges, transactions or sharing through our services, you can choose the target of communication, transaction or sharing, as a third party who can see your transaction content, contact information, exchange information or sharing content and other relevant information.

When using our services to conduct online transactions, you will inevitably disclose your personal information, such as contact information or address, to the counterparty or potential counterparty.Please protect your personal information and only provide it to others when necessary.If you find that your personal information has been leaked, please contact our customer service immediately so that we can take appropriate measures according to your application.

Please note that the information you voluntarily share or even publicly share when using our services may involve your or others' personal information or even sensitive personal information, for example, you choose to upload pictures containing personal information when making comments.Please consider carefully whether to share or even publicly share relevant information when using our services.

(V) After the unfortunate occurrence of personal information security incidents, we will inform you in accordance with the requirements of laws and regulations: the basic situation and possible impact of security incidents, the disposal measures we have taken or will take, you can independently prevent and reduce the risk of suggestions, remedial measures for you, etc.We will inform you of the information related to the event by email, letter, telephone notice and other means. If it is difficult to inform the subject of personal information one by one, we will take a reasonable and effective way to release the announcement.At the same time, we will also report the disposal of personal information security incidents in accordance with the requirements of regulatory authorities.

 

V. How do you manage your personal information

(I) View, correct or supplement your information.We attach great importance to your management needs for viewing and correcting personal information, and will do our best to help you protect your privacy and security.

If you provide in our platform (if applicable) to register the cross-border electricity list and payment account, you can be found by login your identity information (e.g., email address, contact number, password, etc.), and bank account information (such as binding bank card account number, etc.), or modify your personal information (such as contact number, password, etc.).However, you may not be able to modify part of the initial registration information provided at the time of registration for the sake of security and identification or due to mandatory provisions of laws and regulations.

(II) Delete your information.You may request us to delete the personal information you provide under the following circumstances:

1. If our handling of personal information violates laws and regulations;

2. If we collect or use your personal Information without your express consent;

3. If we deal with personal information in a serious violation of our agreement with you;

4. If you no longer use our products or services, or you cancel your account voluntarily;

5. If we permanently cease to provide you with products or services.

If we decide to respond to your deletion request based on the requirements of relevant laws and regulations, we will also try our best to notify the subjects who have obtained your personal information from us and ask them to delete it in time (unless otherwise provided by laws and regulations, or these subjects have independently obtained your authorization).

When you or we assist you in deleting relevant information, due to applicable laws and security technologies, we may not be able to immediately remove the corresponding information from the backup system. We will securely store your personal information and isolate it from any further processing until the backup can be erased or anonymous.

(III) Responding to your request.

For security purposes, you may need to provide a written request or otherwise prove your identity.We may ask you to verify your identity before processing your request.For your reasonable request, we do not charge in principle, but for repeated requests, beyond the reasonable limit, we will charge a certain cost according to the situation.We may refuse requests that are unwarranted, require too much technology, put someone else's legal rights at risk, or are simply impractical. 

Under the following circumstances, we will not be able to respond to your request in accordance with the laws and regulations and/or regulatory requirements of China and other relevant countries, regions and areas:

1. Those directly related to the security and national defense of China and other relevant countries, regions and fields; 

2. Those directly related to public security, public health or major public interests; 

3. those directly related to criminal investigation, prosecution, trial and execution of judgment; 

4. There is sufficient evidence that you have subjective malice or abuse of rights; 

5. Responding to your request will cause serious damage to the legitimate rights and interests of you or other individuals or organizations;

6. Those involving trade secrets.

 

VI. Protection of children's personal information

Our products, websites and services are geared towards adults.We strictly comply with relevant national laws and regulations, and only collect and process the personal information of children (" children "in this policy refers to minors under the age of 14) on the basis of obtaining authorization and consent from parents or other guardians.If we find that we have collected personal information about children without first obtaining verifiable parental or other guardian consent, we will try to remove the data as soon as possible.In the case of personal information collected by a child with the consent of a parent or guardian, we will only use or publicly disclose such information when permitted by law, with the express consent of a parent or other guardian, or when it is necessary to protect the child.

 

VII. How will your personal information be transferred globally

Your personal information collected and generated during our operations in the People's Republic of China will be stored in the People's Republic of China.As we provide you with cross-border e-commerce payment and settlement services worldwide, your personal information may need to be transmitted to cooperative banks or other cooperative institutions outside China to the extent permitted by relevant Chinese laws and regulations and on the basis of your authorization and consent.On the premise of meeting the relevant provisions and requirements of Chinese laws and regulations, we will use our commercially reasonable best efforts to ensure that your information transfer and disclosure is in accordance with the requirements of local laws and regulations. At the same time, We will take all reasonable and necessary steps (including but not limited to encryption transmission limit, accessible, and the data receiver data processing agreement or cooperation agreements containing provisions of data processing in order to clear the data protection obligations, etc.) or in the case of partner recognition desensitization of sensitive personal information transmission, to ensure that your personal information for safe handling, And comply with the protection provisions of this Privacy Policy. 

VIII. How to update this policy

This Privacy Policy is subject to change thereafter.We will post any changes to this policy on our website or trading page.We also provide more prominent notification of material changes (including, for some services, notification by email or other means of specific changes to the privacy policy).Material changes referred to in this Policy include, but are not limited to:

1. Major changes occur in our service mode, such as the purpose of processing personal information, the type of personal information processed, and the way of using personal information; 

2. The main object of personal information sharing, transfer or public disclosure changes; 

3. Your rights to participate in personal information processing and the way to exercise them have changed significantly; 

4, personal information security impact assessment report shows that there is a high risk.