The Data we collect depends on how our Services are used. Sometimes we receive Data directly, such as when an account is created, test transactions are submitted through our website, our Checkout Form is used, or we receive an email. Other times, we get Data by recording interactions with our Services by, for example, using technologies like cookies and web beacons. We also get Data from third parties, like our financial partners or identity verification services.
The collection and use of data from a variety of sources is essential to our ability to provide our Services – and to help keep the Services safe. Data is critical in helping us to increase the safety of Your online payments, and reduce the risk of fraud, money laundering and other harmful activity.
a. Personal Data. We call Data that identifies, or that could reasonably be used to identify, You as an individual as “Personal Data”. We collect Personal Data in different ways. For example, we collect Personal Data when a business or individual registers for a QCR account, a Customer makes payments or conducts transactions through a User’s website or application, a person responds to our emails or surveys, or when a Customer uses the “Remember Me” feature of our Checkout. We also receive Personal Data from other sources, such as 3rd party property websites, our partners, financial service providers, identity verification services, and publicly available sources. Personal Data does not include Data that has been aggregated or made anonymous such that it can no longer be reasonably associated with a specific person. The Personal Data that we may collect includes:
b. Other Data. We call Data other than Personal Data “Other Data”. We collect Other Data through a variety of sources. One of our sources for Other Data is cookies and other technologies that record Data about the use of our websites, websites that implement our Services, and the use of our Services generally. Other Data that we may collect include:
a. Personal Data. We and our service providers use Personal Data to: (i) provide the Services; (ii) detect and prevent fraud; (iii) mitigate financial loss or other harm to Users, Customers, and QCR; and (iv) promote, analyse and improve our products, systems, and tools. Examples of how we may use Personal Data include:
QCR does not sell or rent Personal Data to marketers or unaffiliated third parties. We share Your Personal Data with trusted third parties, including:
a. To QCR Affiliates. We may share Data with entities worldwide that we control, are controlled by us, or are under our common control, to provide our Services. QCR is the party responsible for overall management and use of the Data by these affiliated parties;
b. To QCR Service Providers. We share Data with service providers who help us provide the Services. Service providers help us with things like payment processing (i.e., banks, credit bureaus, payment method providers), website hosting, data analysis, information technology and related infrastructure, customer service, email delivery and auditing;
c. To Our Users. We may share Data with Users when necessary to complete our normal business processes such as finalising a Sale or Lease or transacting payments and exchange of contracts etc;
d. To Authorised Third Parties. We share data with parties directly authorised by a User to receive Data, such as a Solicitor or other agent when a User authorises such a third party to collaborate on our normal business dealings;
e. To Third Parties. We will share Data with third parties in the event of any reorganisation, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings); and
f. Safety, Legal Purposes and Law Enforcement. We use and disclose Data as we believe necessary: (i) under applicable law, or payment method rules; (ii) to enforce our terms and conditions; (iii) to protect our rights, privacy, safety or property, and/or that of our affiliates, You or others; and (iv) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside Your country of residence.
We use reasonable technical and administrative measures to protect Personal Data within our organisation. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If You have reason to believe that Your interaction with us is no longer secure (for example, if You feel that the security of Your account has been compromised), please contact us immediately.
If You have Data on our system, we may from time to time, send you email marketing campaigns. Whenever we send you an email from a campaign email system, we always provide an easy method for You to “unsubscribe” from receiving further mass marketing emails from us. You need only click the link in the footer of such emails to be automatically removed forever. This only removes you from mass marketing emails, it does not mean we cannot send you a direct one-on-one email from time to time. However, if you never want to hear from us in any way, a simple email request to our main contact form will ensure you are swiftly deleted from all our systems.
You have choices regarding our use and disclosure of Your Personal Data:
a. Opting out of receiving electronic communications from us. If You no longer want to receive marketing-related emails from us on a going-forward basis, You may opt-out via the unsubscribe link included in such emails. We will try to comply with Your request(s) as soon as reasonably practicable. Please note that if You opt-out of receiving marketing-related emails from us, we may still send You important administrative messages that are required to provide You with our Services.
b. How You can access or change Your Personal Data. If You would like to review, correct, or update Personal Data that You have previously disclosed to us, You may do so by signing in to Your QCR account, if you created one, or by contacting us.
If emailing us Your request, please make clear in the email what Personal Data You would like to have changed. For Your protection, we may only implement requests with respect to the Personal Data associated with the particular email address that You use to send us Your request, and we may need to verify Your identity before implementing Your request. We will try to comply with Your request as soon as reasonably practicable.
Our Services are not intended for or directed to individuals under the age of eighteen (18), and where possible, we request that they not provide Personal Data through the Services.