Last updated: 13 February 2024



Fintech Galaxy - FZE (“Fintech Galaxy”, “we”, “us”, or “our”) is committed to protecting the privacy of information you provide us on this website.



This Privacy Policy, together with our terms of use located at http://fintech-galaxy.com/terms-of-use (“Website Terms”), regulates the manner in which Fintech Galaxy collects, processes, uses, maintains and discloses information collected from users or visitors (“you” or “your”) of its website www.fintech-galaxy.com (“Website”). This Privacy Policy applies to the Website and all content, products and services displayed therein or offered by us.



Please read the following paragraphs carefully to understand our views and practices regarding your personal data and how we will treat it. By using the Website you accept and consent to the practices described in this Privacy Policy. Any capitalized terms used in this Privacy Policy not defined herein have the meanings set out in the Website Terms.




  1. PERSONAL IDENTIFICATION INFORMATION YOU GIVE US

    1.1 We collect personal identification information from you in a variety of ways, including, but not limited to, when you: visit our Website, fill out a form, subscribe to our service/newsletter, respond to a survey, search for a Challenge or a Hackathon), post a challenge, submit a Solution (in response to Hackathon), create a profile, review a product or service, provide information via chatbot or sandbox, post a comment, participate in discussion boards or other social media functions on our Website, in connection with any other activities, services, features or resources we make available on our Website and when you report a problem. You may be asked for, as appropriate, your name, email address, mailing address, phone number, financial and credit card information, personal details, photograph and/or VAT registration information.

    1.2 You may, however, visit our Website anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You may be also asked for information when you report an error while browsing this Website. Similarly, we may keep a record of such correspondence whenever you contact us.

    1.3 You can always refuse to supply personal identification information, however this may prevent you from engaging in certain Website related activities.

  2. NON-PERSONAL IDENTIIFICATION INFORMATION WE COLLECT ABOUT YOU

    2.1 We may collect non-personal identification information about you whenever you interact with our Website. Non-personal identification information may include:

    (a) Technical information, such as your Internet protocol (IP) address, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform and any other devices, system or media;

    (b) Information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from our Website (including date and time) or mobile application, products/services you viewed or searched for, pages you visit, response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), or any other method used to browse our Website and any phone number used to call our customer service number.

  3. COOKIES

    3.1 Our Website uses cookies to distinguish you from other users of our Website. This helps us to provide you with a good experience when you browse our Website and also allows us to improve it. Cookies are small pieces of information, stored in simple text files, placed on your computer or device by a website. Cookies can be read by our Website on your subsequent visits. The information stored in a cookie may relate to your browsing habits on the Website, and a unique identification number so that our Website can “remember” you on your return visit or it may prevent you from responding to a survey that you have already filled out on a previous occasion.

    3.2 Cookies do not contain personal information from which you can be identified, unless you have furnished such information to our Website. Cookies do not in any way compromise the security of your computer.

  4. THIRD PARTY COOKIES

    4.1 We work with third parties who, on our behalf, research the use of our Website and activities on it. In doing so they may place a cookie on your computer or device. However, it would not contain any personal information that others can read and understand.

    4.2 We also work with third parties to evaluate the effectiveness of our advertising and promotions on third party websites. Again, the cookie would not contain any personal information that others can read and understand.

    4.3 From time to time, we may embed external content from third party websites within our Website. Additionally, we partner and work with third parties who advertise with us or provide services to us so you may navigate to and from our Website. These third parties may use cookies; you can find out about their approach to cookies on their websites.

  5. Cookie Policy

    Welcome to the Cookie Policy of Fintech Galaxy. This policy explains how we use cookies and similar technologies on our Website to provide you with a better browsing experience and enhance our services. By accessing or using our Website, you will be requested to choose your preferences of cookies, accept or decline all cookies.
    In case you choose to decline all cookies and/or deactivate “essential cookies”, you may not be able to access our Website.
    Where applicable, we will not be liable for the failure of the Website operation due to your selection of the Necessary Cookies.

    We value your privacy and are committed to protecting your personal information. This policy aims to provide you with clear and transparent information about the types of cookies we use, their purpose, and your choices regarding their use.

    Please take the time to read this policy carefully and feel free to contact us if you have any questions or concerns about our use of cookies.

  6. What are Cookies?

    Cookies are small text files that are stored on your computer or mobile device when you visit a website. They help websites recognize your device and remember information about your visit, such as your preferences and settings. Cookies also enable certain website features and functionalities and allow us to collect statistical data to improve our services.



    What are the different types of cookies?

    Necessary Cookies: These cookies are essential for the operation of the website and enable you to navigate and use its features. They do not require explicit user consent, as they are necessary for the website's basic functionality and security.


    Functionality Cookies: Functional cookies enable a website to remember choices you have made and provide enhanced functionality and personalization. For example, they may remember your language preferences or remember items you added to your shopping cart.


    Analytics Cookies: Statistics cookies gather information about how visitors use a website, such as which pages are visited most frequently, how users navigate the site, and if they encounter any errors. This information is used to improve the website's performance and user experience.


    Advertising Cookies: Marketing cookies are used to deliver targeted advertisements based on your browsing behavior and interests. They track your visits to different websites and may share this information with advertising networks to display relevant ads. These cookies are often placed by third-party advertisers.



    What are the types of cookies we use on our website?
    The Website uses the following types of cookies:

    1. Necessary Cookies
    2. Functionality Cookies
    3. Analytics Cookies
    4. Advertising Cookies



    The Fintech Galaxy uses Google Analytics on the Website. This is a tool developed by Google and used to collect information, which permits evaluation of the use of the Website, analysis of your behavior and improvement of your experience with the Website. You can obtain more information about how to opt out of Google Analytics at: https://tools.google.com/dlpage/gaoptout.



    Cookies Present on our Website
    We use on our website the following cookies:

    Cookie Name Type of Cookies Why are using the Cookies 3rd Party Cookies Duration Mandatory (Yes/No)
    SKWIDCurrentLevel Necessary Used by SKWID CMS in order to keep track of visited pages. No 1 year Yes
    SkwidCookie Necessary Used by SKWID CMS in order to keep track of visited pages. No 1 year Yes
    SkwidFilter Necessary Used by SKWID CMS in order to keep track of visited pages. No 1 year Yes
    _RequestVerificationToken Necessary Helps prevent Cross-Site Request Forgery (CSRF) attacks. No Session Yes
    ASP.NET_SessionId Necessary Used to identify the users' session on the server. No Session Yes
    _GRECAPTCHA Necessary This cookie is set by Google reCAPTCHA, which protects our site against spam enquiries on contact forms. Yes (google.com) 6 months Yes
    rc::c Necessary This cookie is used to distinguish between humans and bots. Yes (gstatic.com) Session Yes
    rc::a Necessary This cookie is used to distinguish between humans and bots. Yes (gstatic.com) Persistent Yes
    AWSALBTG Functionality Helps distribute incoming network traffic across multiple servers or instances Yes (Hady.fintech-galaxy.com) Persistent No
    AWSALBTGCORS Functionality It is used in the context of Cross-Origin Resource Sharing (CORS) requests Yes (Hady.fintech-galaxy.com) Persistent No
    _hs_opt_out Functionality This cookie is used to remember the visitor's choice to opt out of tracking by HubSpot. Yes (hubspot.com) Persistent No
    _hssc Functionality Helps determine if the visitor has restarted their browser and generates a new session Yes (hubspot.com) Persistent No
    _hssrc Functionality Helps determine if the visitor has restarted their browser and generates a new session Yes (hubspot.com) Persistent No
    _htsc Functionality Collects information about the visitor's activity on the website Yes (hubspot.com) Persistent No
    test_cookie Functionality AdSense, Campaign Manager, Google Ad Manager, Google Analytics, Display & Video 360, Search Ads 360 Yes (hubspot.com) 15 Minutes No
    AMP_TOKEN Analytics
    Yes (google.com) 30 Seconds to 1 Year No
    _ga Analytics Used by Google for analytics, it helps collect data that allows services to understand how you interact with a particular service. Yes (google.com) 1 Month No
    _ga_ Analytics Used by Google for analytics. Yes (google.com) 1 Year No
    DSID Analytics This cookie collects information such as browsing behavior and interests to personalize the ads shown to users Yes (google.com) 2 Weeks
    IDE Analytics This cookie may contain information such as user preferences, settings, or session data related to the IDE Yes (google.com)

    _utma Analytics Associated with Google Analytics and is typically used to distinguish users and sessions Yes (google.com) 2 Years
    _utmb Analytics Determine new sessions and visits. It's one of the cookies employed by Google Analytics to collect data about how users interact with a website Yes (google.com) 30 Minutes
    _utmc Analytics Determine whether a new session should be initiated for a user or if their visit should be considered part of an existing session Yes (google.com)

    _utmt Analytics To define the type of request being made to Google Analytics Yes (google.com) 10 Minutes
    _utmz Analytics Used to track traffic sources and navigation within a website Yes (google.com) 6 Months
    _utmv Analytics Used for custom user segmentation and tracking. It's less commonly encountered compared to other Google Analytics cookies but can be utilized for more advanced analytics and tracking purposes Yes (google.com) 2 years
    fpestid Advertising Tracking code provided by Facebook for businesses to measure and optimize their advertising campaigns Yes (facebook.com) Persistent No


    Cookies Settings

    On your first visit to our Website, we will request your consent to the use of cookies. You have the option to accept or reject cookies. However, please note that declining cookies may impact your ability to access certain features or use specific functionalities of our Website. You will always have the possibility to change the Cookies preferences and settings on our Website via your browser by clicking here

    You can choose not to consent to the use of certain cookies, or otherwise withdraw your consent (and thereby block or delete certain cookies), via the cookie consent management platform made available to you on the Website.

    For more information on how to control cookies via your browser, please refer to the following instructions:
    Internet Explorer
    Firefox
    Chrome
    Safari



    Updates to the Cookie Policy

    We may update this Cookie Policy from time to time to reflect changes in our use of cookies or applicable laws and regulations. Any updates will be posted on our Website with a revised effective date. We encourage you to review this policy periodically to stay informed about how we use cookies.



    Contact Us

    If you have any questions or concerns about our Cookie Policy, please contact us at info@fintech-galaxy.com



  7. USE OF YOUR INFORMATION
    We may collect and use your personal information for the following purposes:


    6.1 to carry out our obligations in connection with the Services;

    6.2 to provide you with information about other services we offer that are similar or complementary to the Services;

    6.3 to notify you about changes to our Services and to send you information and updates pertaining to your subscriptions or orders as appropriate. It may also be used to respond to your inquiries, questions or any other requests;

    6.4 to ensure that content from our Website is presented in the most effective manner for you and your computer;

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

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

    6.7 as part of our efforts to keep our Website safe and secure;

    6.8 to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;

    6.9 to respond to your customer service requests and support needs more efficiently;

    6.10 to understand how you or similar group of users use the services and resources provided on our Website;

    6.11 to improve our content, user experience or any product or service displayed on the Website, whenever the feedback is provided;

    6.12 to process payments whenever we make this feature available.



  8. DISCLOSURE OF YOUR INFORMATION

    7.1 You agree that we have the right to share your personal information with:

    (a) Any member of our group, which means our subsidiaries, our ultimate sister companies and parent company.

    (b) Selected third parties including our business partners, suppliers, sub-contractors and service providers for the performance of any contract we enter into with them.

    (c) Our advertisers and advertising networks that require the data to select and serve relevant adverts to you. We do not disclose information about identifiable individuals to our advertisers, but we will provide them with aggregate information about you. We may also use such aggregate information to help advertisers reach the kind of audience they want to target.

    (d) We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to the target audience, analytics and search engine providers that assist us in the improvement and optimization of our site.

    7.2 We will disclose your personal information to third parties:

    (a) In the event that we sell or buy any business or assets, in which case we will disclose your personal data to the prospective seller or buyer of such business or assets.

    (b) If Fintech Galaxy or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

    (c) If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and conditions of use and other agreements, or to protect our rights, property, or safety, our customers or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

  9. PROTECTION OF YOUR INFORMATION

    8.1 The data that we collect from you will be transferred to, and stored at the Website and its servers.

    8.2 We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, user name, password, transaction information, documents and data stored on our Website.

    8.3 Your data and information may be transferred to, stored and processed in a jurisdiction which does not have adequate data protection laws and regulations. By submitting your personal data, you agree to this transfer, storing or processing. We will take steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will try to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

    8.4 We are committed to safeguarding the confidentiality of your information and therefore take great care to ensure the security of this Website and our servers. We offer the use of secure communication transmission software (known as “secure sockets layer” or “SSL”) that encrypts all information you input to our Website before it is sent to us. SSL is an industry standard encryption protocol which ensures that the information is reasonably protected against unauthorised interception.

    8.5 We also follow strict security procedures in the storage and disclosure of information which you have given us, to prevent unauthorised access to that information and limit access to this information to authorized employees and contractors who may require access to that information in order to provide our services.

    8.6 Although we endeavor to provide reasonable security (as per the industry standards) for information we process and maintain, please be aware that no security system can prevent all potential security breaches.

  10. THIRD PARTY WEBSITES

    9.1 You may find advertising or other content on our Website that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on their websites and are not responsible for the practices employed by them while they are linked to or from our Website.

    9.2 In addition, these websites or services, including their content and links, may be constantly changing. These websites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Website, is subject to that website’s own terms and policies.

  11. YOUR RIGHTS

    10.1 You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes.

    10.2 You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at legal@fintech-galaxy.com or by opting out of our newsletters by clicking the “unsubscribe” link at the bottom of the newsletter.

  12. CHANGES TO THIS PRIVACY POLICY

    11.1 We have the discretion to update this Privacy Policy at any time. When we do, we will revise the updated date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.

    11.2 You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of any modifications.

  13. CONSENT

    12.1 By using the  Website, you consent to the collection and use of your personal information by Fintech Galaxy in the ways described above. If you have any further questions about our Privacy Policy or its implementation, please contact us. Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to info@fintech-galaxy.com

    12.2 This Privacy Policy applies only to information collected through our Website and not to information collected offline. Any changes to this Privacy Policy will be posted on this page.

Cookies Information

We use cookies to ensue you get the best experience on our website

Privacy settings

Decide which cookies you want to allow.
You can change these settings at any time. However, this can result in some functions no longer being available. For information on deleting the cookies, please consult your browser’s help function.
LEARN MORE ABOUT THE COOKIES WE USE.

Necessary
Functionality
Analytics
Advertising

This website will:

  • Remember your cookie permission setting
  • Allow session cookies
  • Gather information you input into a contact forms, newsletter and other forms across all pages
  • Helps prevent Cross-Site Request Forgery (CSRF) attacks
  • Preserves the visitor's session state across page requests
  • Remember personalization settings
  • Remember selected settings
  • Keep track of your visited pages and interaction taken
  • Keep track about your location and region based on your IP number
  • Keep track on the time spent on each page
  • Increase the data quality of the statistics functions
  • Use information for tailored advertising with third parties
  • Allow you to connect to social sites
  • Identify device you are using
  • Gather personally identifiable information such as name and location

This website won't:

  • Remember your cookie permission setting
  • Allow session cookies
  • Gather information you input into a contact forms, newsletter and other forms across all pages
  • Helps prevent Cross-Site Request Forgery (CSRF) attacks
  • Preserves the visitor's session state across page requests
  • Remember personalization settings
  • Remember selected settings
  • Keep track of your visited pages and interaction taken
  • Keep track about your location and region based on your IP number
  • Keep track on the time spent on each page
  • Increase the data quality of the statistics functions
  • Use information for tailored advertising with third parties
  • Allow you to connect to social sites
  • Identify device you are using
  • Gather personally identifiable information such as name and location