This Privacy Policy is an overview of how we collect, use, and process your personal data when you use our website www.bnkcodes.com (hereinafter: “Website”). 

1. Data we collect about you

We will collect and process the following data about you:

• information about your computer including your IP address, geographical location, browser type and version, and operating system;
• information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths;
• information, such as your email address, that you enter when you register with our website;
• information that you enter when you create a profile and use the services on our website;
• information that is generated while using our website, including when, how often, and under what circumstances you use it;
• information contained in any communications that you send to us by email or through our website, including its communication content and metadata.

Before you disclose to us the personal information of another person, it is your obligation to inform that person and require consent to both the disclosure and the processing of that personal information in accordance with this Privacy Policy.

2. How we use your personal information

We may use your personal information for the following:

• administering our website and business;
• personalizing our website for you;
• enabling your use of the services available on our website;
• supplying services purchased through our website;
• sending statements, invoices, and payment reminders to you, and collecting payments from you;
• sending you non-marketing commercial communications;
• sending you email notifications that you have specifically requested;
• keeping our website secure and preventing fraud.

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us.

3. Disclosure of your personal information

We may disclose your personal information:

• to the extent that we are required to do so by law;
• in order to establish, exercise, or defend our legal rights;
• to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling.

We will not disclose or sell personal information to third parties for marketing without your explicit consent.

4. Legal basis for processing the information we collect in European Economic Area (EEA)

The lawful basis we use for collecting and processing your information in Europe (as required by current legislation) are as follows:

• where it is necessary for entering into or performing a contract with you;
• where we have a legitimate interest to do so, provided your rights do not override those interests;
• where you have consented to its uses;
• where required to comply with our legal obligations.

5. Data retention and deletion

We will always delete data that is no longer required by a relevant law or jurisdiction in which we operate.

6. How we protect your data

 We take the safeguarding of your information very seriously, and take a number of steps to ensure it stays secure:

• communication over the Internet between you and our servers is encrypted using strong asymmetric encryption, this makes it unreadable to anyone who might be listening in;
• we update and patch our servers in a timely manner;
• we run a responsible disclosure and bug bounty program to identify any security issues in our services;
• our technical security team proactively monitors for abnormal and malicious activity in our servers and services;
• when information you’ve given us is not in active use, it is encrypted at rest, this means it’s unreadable from server hard-drives without the decryption secret.

7. Your rights

Subject to applicable laws, you may have the right to access information we hold about you. Your right of access can be exercised in accordance with the relevant data protection legislation. If you have any questions in relation to our use of your personal information, contact us. 

Under certain conditions, you may have the right to require us to:

• provide you with further details on the use we make of your information;
• provide you with a copy of the information that you have provided to us;
• update any inaccurate, incorrect, or out of date personal information we hold;
• delete any personal information that is no longer necessary, or no longer subject to a legal obligation to which we are subject to;
• where processing is based on consent, to withdraw your consent so that we stop that particular processing.

8. Cookies

We use small files (known as cookies) to distinguish you from other users, see how you use our site and products while providing you with the best experience.

9. Contact

Please send any questions, comments or requests regarding this privacy policy to privacy@wise.com. You can also write to us at the following address – TransferWise Ltd, 6th Floor of The Tea Building, 56 Shoreditch High Street, London E1 6JJ.

If you feel that we have not addressed your questions or concerns adequately, or you believe that your data protection or privacy rights have been infringed, you can complain to any supervisory authority or other public body with responsibility for enforcing privacy laws. In the United Kingdom this is the Information Commissioner’s Office, you can see their contact details via the ICO website.

Cookie Policy of bnkcodes.com

Our Website uses cookies to distinguish you from other users of our Website. This helps us to provide you with a good experience and also allows us to improve our Website. Cookies allow us to collect information such as browser type, time spent on the Website, pages visited, language preferences, and other anonymous traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the Services and to recognize your computer in order to assist your use of the Services. We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used and assist us with resolving questions regarding them. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies or other technologies to track responses to our online advertisements.

If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies or be given the choice of declining or accepting the transfer to your computer of a particular cookie (or cookies) from a particular site. You may also wish to refer to http://www.allaboutcookies.org/manage-cookies/index.html. If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer, and you may need to log in every time you visit.

At this time we do not respond to browser do-not-track signals. Pixel tags (also known as web beacons and clear GIFs) may be used in connection with the Services to, among other things, track the actions of users (including email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates

We may use third-party analytics providers, such as Google Analytics and Mixpanel, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These third parties may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/‌partners/, and opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout. You can learn about Mixpanel’s practices and how to opt out of them by going to https://mixpanel.com/terms/.

We may use Adobe Flash Local Shared Objects (“Flash LSOs”) and other technologies to, among other things, collect and store information about your use of the Services. If you do not want Flash LSOs stored on your computer, you can adjust the settings of your Flash player to block Flash LSO storage using the tools contained in the Website Storage Settings Panel. You can also control Flash LSOs by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash LSOs (referred to as “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash LSOs that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash LSOs may reduce or impede the functionality of some Flash applications, including those used in connection with the Services.

Third Party Advertisers

We may use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites, apps or online services, based on information relating to your access to and use of the Services and other websites, apps or online services on any of your devices. To do so, these companies may place or recognize a unique cookie on your browser (including through use of pixel tags). They may also use these technologies, along with information they and we collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device on which you are accessing this Privacy Policy, please visit http://www.networkadvertising.org/managing/opt_out.asp and http://www.aboutads.info/. You may also download the AppChoices app at www.aboutads.info/appchoices to opt out in mobile apps.

Uses made of the information

We may use your Personal Information in the following ways:
- to carry out our obligations relating to your contracts and transactions with us and to provide you with the information, products and services that you request from us, as well as related customer service;

- to notify you about changes to our Services or to send you other administrative information;

- to administer our Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

- to improve our Services and so that they are presented in the most effective manner;

- to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you;

- to allow you to participate in interactive features of our Services, when you choose to do so;

- to facilitate social sharing functionality; and consistent with choices that may be available to you, to provide you with information about other goods and services we feel may interest you.

We may also use and disclose Personal Information as we believe necessary or appropriate: (a) under any applicable legal and/or regulatory requirements, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) as part of our efforts to keep our Services safe and secure, including to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (f) to allow us to pursue available remedies or limit the damages that we may sustain.
We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we may use it for the purposes for which we use and disclose Personal Information as detailed in this Privacy Policy. If we combine Other Information with Personal Information, we will treat the combined information as Personal Information as long as it is combined.