Privacy Policy

Last updated on the date of 27\4\2021

Topexchange.io is committed to protecting your privacy. This Privacy Policy applies to the website Topexchange.io, and its associated subdomains (collectively, our “Service”). By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly defined as: Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you such as your language preference or login information. Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to Svelge OU, (Valukoja tn 8/2 Lasnamäe linnaosa, Tallinn Harju Maakond, 11415, Estonia) that is responsible for your information under this Privacy Policy. Customer: refers to the company, organization or person that signs up to use the Topexchange.io Service to manage the relationships with your consumers or service users. Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit Topexchange.io and use the services. IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the Internet. Personnel: refers to those individuals who are employed by the company or are under contract to perform a service on behalf of one of the parties. Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person. Service: refers to the service provided by the company as described in the relative terms (if available) and on this platform. Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you. Website: Topexchange.io site, which can be accessed via this URL: https://topexchange.io/ You: a person or entity that is registered with Topexchange.io to use the Services. Please note that we will never sell, use or display any of your personal information to any third party, only if we have your permission to do this or we have to do it, for example for some high-value transactions there may be a need to provide with personal information to the competent authorities.

Collection of customers personal information

With new account registration on the Topexchange.io website we ask the client for a range of personal data. Personal information must be true and up to date. While registration process, make sure that there are no false or misleading information. We collect and hold a range of personal information including: • Your full name, residential address, date of birth, contact details, identification documents. • Any additional personal information you provide by email, telephone or other correspondence; • Your Payment details and Transaction information; • Your IP address, Browser and Operating System information, geolocation details; • Based on our legal obligations we may request copy of the identity card, passport or certificate of registration for your identity verification and the source of funds confirmation for the purposes of money laundering and fraud prevention. We will process your personal Information only for the purpose(s) of providing you the service or while responding to regulatory requirements, placed upon us by legislation. Note: Failure to provide such information and data may cause usage limitations of Topexchange.io services.

Internal use of personal information

We use your personal information to activate your Topexchange.io account and provide you with all Topexchange.io services. Also, we process bank and credit / debit card information, identity checks as part of normal business operations to make sure the information is correct (all financial data is stored in an encrypted and secure form).
The purpose of these data is to identify and verify customers, reduce fraud, other criminal activities, financial risk on our website. When in doubt about the user’s identity, the service provider has the right to re-inquire any personal data. Using our services, you agree to share your personal data for these purposes.
We may also send personal information such as your name, address and country of residence to the merchant you buy from in order to improve the payment process, to reconcile the payments business processes, to combat fraud and money laundering.

Control over personal information

If there is a change in your personal information (name, address or telephone number) you must update this information in your Topexchange.io account by yourself or contact the Topexchange.io customer service.
Topexchange.io is not liable for any losses arising from your failure to maintain the confidentiality of your personal data.
If you want to close your account, you need to contact with Topexchange.io customer service. We are committed to the preservation of some of your records for a period not less than five years after the account is closed.

Messages to your email address

When you register for a new account on Topexchange.io website, we will use your email address to send you the following: 1. Email message to validate your mail. We will use your email to communicate with you through it in any future dealings. 2. Email messages to inform you about your orders. 3. Electronic messages to your email that are sent automatically after some operations such as notification of password change, notification about newsletter subscription, etc. 4. Newsletters to your email to inform you about our new products, services and special offers. To unsubscribe from the newsletters, press „Unsubscribe“ link below the message.

Cookie policy

We are using cookies to improve quality of client’s experience on Topexchange.io website. Cookie, is a small text file that is stored on the customer’s computer for record-keeping purposes, can be used as identification card: cookie is unique to your computer and only the server that gave it to you can read them. Using traffic log cookies, we can identify and monitor what pages are mostly being used. This will help us to analyze data about website traffic and later improve our website. Most existing web browsers can automatically receive cookies, but you can change your browser settings and decide rather to accept cookies or not. There is one important characteristic – cookie do not provide websites with personal information (such as email address or other information) without your permission to website. Once you choose to provide a website with personal information, your information can be linked to the data stored in the cookie. You should remember that we will not share your personal information with third parties if we do not have permission from you or we are not required to do it by law. Our main goal is to make our website as much efficient for you as we can. Using traffic log cookies, we can identify and monitor what pages are mostly being used. This will help us to analyze data about website traffic and later improve our website. We can personalize your web experience on our website with cookies: we will remember you as individual, what content was interesting for you and as a result we can remove web pages that are not important and offer you the most popular products and services based on your web preferences (for example we may send you promotional emails with information about our new products, new special offers, special deals, etc.).

Data Protection

We have implemented technical and organizational security measures to ensure the confidentiality, integrity and accountability of your Personal Information and to protect your Personal Information from loss, misuse, alteration or destruction. Such measures include: Our security procedures include: • The encryption of user`s personal data; • The ability to ensure the ongoing confidentiality of processing systems; • The ability to restore the Service due to some technical incident; If any user`s personal data in the control of the Company is lost or corrupted, the Company will restore the personal data, using its backup. In the event of a breach, the Company shall inform you after becoming aware of a personal data breach (no later than 48 after it). The Company saves all documents up to date and under the adopted rules of the General Data Protection Regulation. Only authorized personnel have access to your personal Information, and these personnel are required to treat the information as confidential. Where you have consented to, or we are obliged to pass on personal Information to third parties to provide you with a requested service or in the carrying out of a regulatory or legal obligation, we will request that the same levels of technical and organisational security measure be applied through contractual arrangements, where possible. We conduct testing, assessment and evaluation of our technical and organisational measures effectiveness on a regular basis.

Industry regulatory disclosure requirements

We can disclose your personal information to: • Our correspondent banking partners, disbursement and payment provider partners for the purposes of processing your requested transaction; • The identification verification services used to confirm your identity and meet the applicable identification and verification regulatory requirements; • To government agencies, law enforcement bodies and courts where required by law. As for information on card operations, as merchant we will not sell, purchase, provide, exchange or in any other manner disclose account or transaction data, or personal information of or about client (cardholder) to anyone, except, it’s acquirer, Visa/Mastercard Corporations or in response to valid government demands. Information disclosed to third parties will only be information required for the supply and fulfilment of service, or for customer assistance purposes or as required by law. Strict confidentiality agreements will be adhered to by the respective receiving third party. We are committed to the protection of your information and only deal with ethical suppliers and business partners who demonstrate similar values and are bound by privacy laws of the same standard.

GDPR policy

The Company is protecting individual rights regarding data privacy. As part of Company`s rules to GDPR requirements, it takes the relevant data protection but not limited to: Data Protection Act 1998; Regulation 2016/679 of the European Parliament and of the Council of the European Union of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and the repealing Directive 95/46/EC, and any successor laws arising out of the withdrawal of a member state from the European Union (General Data Protection); Privacy and Electronic Communication (EC Directive) Regulations 2003 (SI2003/2426). By using the Service from the Company, you as the User, have agreed to enter into a contractual agreement with the Company. As part of our GDPR policy, we will ensure that any supporting data processing activities, will: • store of personal data strictly in accordance with our policies in accordance with GDPR; • process user`s data only on developed instructions from the Company; • follow strict security measures when processing user`s personal data.