Scope of the Policy

Personal Information and Personal Data are terms used in this privacy policy, both of which refer to any information relating to an identified or identifiable individual. Ronghan is committed to protecting your privacy and ensuring that your Personal Information is treated securely and will be collected, used, stored and disclosed in accordance with this policy.
This policy sets out the basis on which any Personal Information Ronghan collect from you, or that you provide to Ronghan, will be processed. Please read the following carefully to understand Ronghan’s views and practices regarding your Personal Information and how Ronghan will treat it. By accessing and using Ronghan’s services, you agree to the collection, use and transfer of your information as set out in this privacy policy. If you have questions about our privacy policy, please e-mail us at service@ronghan.com.

Personal Information Collected, Used and Processed

We may collect and process the following data about you:
Information that you enter via our Website. This includes information provided at the time of registering an account on our Website, subscribing to any service which we provide, searching our Website, placing an order on our Website, participating in discussion boards or other social media functions on our Website, creating wish lists on our Website, or requesting further services. For example, Ronghan may ask for your name, email address, zip code and personal information concerning your interests, occupation, gender and other demographic information.
Information automatically collected when you use our websites and services, including in our role as a payment processor.
You may also give us information about you when you fill in forms on the Sites or at Stores, or on Third Party Platforms or when you correspond with us on the Social Media. In such circumstances you may provide additional information about you such as your photograph and other images and identifying information, your interests and hobbies, details of your Social Media accounts, posts and preferences.
Technical information may be collected automatically, including without limitation the Internet protocol (IP) address used to connect your computer or device to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.

Purposes of Using Your Personal Information

We have grouped the Personal Information Ronghan process related to its main processing activities, which include:

  • Operations, which includes: IT, telephony, security and analytics services;

  • Risk Management, which includes: fraud mitigation and management, authentication and acceptance;

  • Transaction processing, which includes: compliance monitoring, scheme operations, disputes/chargebacks, capturing payments, settlement;

  • Marketing, which includes: customer acquisition, usage analysis, lead generation and cross sell/up sell;

  • Relationship Management, which includes: supplier relationship management and customer relationship management;

  • Products, which includes: data analytics, business finance, self-service, fraud service, foreign exchange service, currency services, as well as the development of new products.

Ronghan uses and processes your Personal Information for purposes that are appropriate, based on legitimate interests or authorised by applicable law.

Who We Share Your Information with and Why

Whenever we share Personal Information internally or with third parties, we ensure the necessary safeguards are in place to protect it.
To be able to offer you the best possible services and remain competitive in our business, we share certain Personal Information both internally as well as outside of Ronghan. This includes:

Independent sales agents

We share information with independent sales agents (referral partners) who act on our behalf.

Government authorities

To comply with our regulatory obligations we may disclose Personal Information to the relevant authorities, for example to counter terrorism and prevent money laundering.
In some cases, we are obliged by law to share your data with external parties, including:
public authorities, regulators and supervisory bodies such as fraud protection agencies and the central banks of the countries where we operate;
judicial/investigative authorities such as the police, public prosecutors, courts and arbitration/mediation bodies on their express and legal request;
lawyers, for example, in case of a claim or bankruptcy, trustees who take care of other parties’ interests and company auditors.

Financial institutions

When funds are transferred from a payer to a payee, the transaction involves other financial institutions, banks or a specialised financial company. Ronghan may process payments through such other financial institutions. These external organisations may process and store your personal information abroad and we and they may have to disclose your information to foreign authorities to help them in their fight against crime and terrorism. To process payments we have to share information about the transaction with other financial institution, such as your name and account number. We also share information with financial sector specialists who assist us with financial services like: • payments and transactions worldwide; • processing electronic transactions worldwide; and • settling domestic and cross-border security transactions and payment transactions.
Sometimes we share information with banks or financial institutions in other countries, for example when you make or receive a foreign payment.

Third party service providers

When we use other service providers we only share Personal Information that is required for the particular task we involve the service provider for. Service providers support us with activities like: performing certain services and operations;
designing and maintenance of internet-based tools and applications;
marketing activities or events and managing customer communications;
preparing reports and statistics, printing materials and designing products;
placing advertisements on apps, websites and social media.

Business transfers

Ronghan may buy or sell business units or affiliates. In such circumstances, we may transfer customer information as a business asset. Without limiting the foregoing, if our business enters into a joint venture with or is sold to or merged with another business entity, your information may be disclosed to our new business partners or owners.

With your permission

Your information may also be used for other purposes for which you give your specific permission, or when required by law or where permitted under the terms of the laws of the relevant jurisdiction.

Cookies

Our Website uses cookies to distinguish you from other users of our Website and to keep track of your visits. These cookies help us to provide you with a good experience when you browse the Sites and, also allows us to improve the Sites.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. The information collected includes the number of site visitors, where visitors come to the site from and the page they visited.
We use the following cookies:

  • Analytical/performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

  • Search/digital display/social remarketing cookies.

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Your Privacy Rights

Under the EU’s General Data Protection Regulation, individuals who reside in Europe are able to exercise rights regarding their Personal Information. You can find a more detailed summary of these rights on the UK’s Information Commissioner’s Office’s (“ICO”) website here. These rights include:

  • the right to access;

  • the right to rectification;

  • the right to restriction;

  • the right to erasure;

  • the right to object;

  • the right to data portability.

If access cannot be provided within a reasonable time frame, Ronghan will provide you with a date when the information will be provided. If for some reason access is denied, Ronghan will provide an explanation of why access has been denied.
The laws of other territories applicable to your dealings with Ronghan may also be relevant (and may also impact the above rights). Any such rights can be progressed via service@ronghan.com.

The safety of your information

Ronghan works to maintain your confidence and trust in us and has therefore implemented physical, technical, and administrative measures designed to secure your Personal Information from accidental loss, unauthorised access, use, alteration and disclosure. However, the safety and security of your information is also dependent upon you.
Where you are asked to set a user name and password, you must ensure that the details you provide to us are personal to you and not used by any third party (for example, you must not use a generic email address such as service@ronghan.com, or otherwise an email address that is used by another person). You must keep all passwords secret and confidential should not share your password with any other person. You must immediately notify us if you know or suspect that someone else has access to your password.
The data that we collect from you are stored at system of ronghan.com. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your data transmitted to the Sites; any transmission is at your own risk. Once we have received your information, we will use reasonable endeavours to try to prevent unauthorised access.

How Long We Store and Retain Your Personal Information

Ronghan will store your Personal Information only as long as necessary to achieve the purposes for which it was collected. However, retention periods for transaction and other data categories may vary, depending on our obligations. For example, Legal and regulatory compliance with Anti-Money Laundering and KYC requirements, operational demands, business requirements or dates we assigned based on types or contracts will also need to be factored into and may require retention for a period of up to 7 years after the data was collected or after the merchant or other customer relationship has ended.

Children

The Sites are not intended for use by children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If you are under 13 do not use the Sites or provide any information about yourself including without limitation your name, address, email address or any screen name or user name you may use. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

Changes to Our Privacy Policy

We reserve the right to change this policy at any time. If we change our privacy policy we will post the changes on this website, and where appropriate notify you. Please check back frequently to see any updates or changes to our privacy policy. The most recent version of this policy is reflected by the date located at the bottom of this policy.

Contact

Questions, comments and requests regarding this policy should be addressed to the Customer Care team at service@ronghan.com