Privacy Policy

Version 1 – Date: 15 January 2021

Your information belongs to you and your privacy is important to us. FILIP FINANCIALLY LITERATE PERSON LIMITED (“FILIP”, “Company”, “we”, “us”, or “our”) are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at: contactus@filipfinance.com.

This Privacy Policy will help you better understand how we collect, use, and share your personal information. If we change our privacy practices, we may update this privacy policy. If any changes are significant, we will let you know (for example, through a notification on our website or directly contacting you by email). Please read this privacy policy carefully as it will help you make informed decisions about sharing your personal information with us. This privacy policy applies to all information collected through our website (www.filipfinance.com), any other sites we own and operate and/or any related services, sales or marketing (we refer to them collectively in this privacy policy as the “services“).

When you visit our website filipfinance.com, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy policy, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. Your continued use of our website will be regarded as acceptance of our practices around privacy and personal information. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our websites and our services.

1. WHAT INFORMATION DO WE COLLECT?

We carefully analyse what types of information we need to provide our services, and we try to limit the information we collect to only what we really need. Where possible, we delete or anonymize this information when we no longer need it.

We collect personal information that you voluntarily provide to us with your knowledge and consent, when expressing an interest in obtaining information about us or our products and services, when participating in activities on the services or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the services, the choices you make and the products and features you use. The personal information we collect can include publicly available personal information, email addresses; and other similar data. 

When you purchase something from our store we collect the personal information you give us such as your name, address and email address. 

All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

2. WHAT DO WE DO WITH THE INFORMATION WE COLLECT?

When you browse our website, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system. 

We generally process the information we collect, including your personal information, to fulfill a) our legitimate business interests, b) our contract with you or c) compliance with our legal obligations. We also process the information we collect where we or someone we work with needs to use your personal information for a reason related to their business (for example, to provide you with a service).

European law calls “legitimate interests” a number of reasons for processing the information we information we collect, including but not limited to the following reasons:

• preventing risk and fraud
• answering questions or providing other types of support
• providing and improving our products and services
• providing reporting and analytics
• testing out features or additional services
• assisting with marketing, advertising, or other communications

We only process personal information for these “legitimate interests” after considering the potential risks to your privacy—for example, by providing clear transparency into our privacy practices, offering you control over your personal information where appropriate, limiting the information we keep, limiting what we do with your information, who we send your information to, how long we keep your information, or the technical measures we use to protect your information.

Email marketing (if applicable): With your permission, we may send you emails about our services, products and other updates. You can opt-out of our marketing emails at any time within the emails, or by contacting us at contactus@filipfinance.com
We indicate the specific processing grounds we rely on next to each purpose listed below.

Targeted advertising: We may use your information to develop and display content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.

Contact: We may use your information to contact you in order to a) provide the requested service, b) request feedback about our services or c) respond to your enquiries and solve any potential issues you might have with the use of our services.

Testimonials. We post testimonials on our services and products that may contain personal information. Prior to posting a testimonial, we will obtain your consent to use your name and testimonial. If you wish to update, or delete your testimonial, please contact us at: contactus@filipfinance.com and include your name, testimonial location, and contact information. 

3. CONSENT

How do we get your consent? 
When you provide us with personal information to complete a transaction, verify your credit card, place an order, arrange for a delivery or return a purchase, we imply that you consent to our collecting it and using it for that specific reason only. If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no. 

How do you withdraw your consent? 
If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at any time, by contacting us at or mailing us at: contactus@filipfinance.com

4. DISCLOSURE OF YOUR INFORMATION

We may disclose your personal information if we are required by law to do so (for example, if we receive a valid court order) or if you violate our Terms of Service. 

We may also share your information if you have given us specific consent to use your personal information for a specific purpose or in order to fulfil the terms of our contract with you. We may share your personal information in order to protect your rights, our business legitimate rights or to fulfil our business obligations.

We may share or transfer your information while using third-party advertising companies to serve ads when you visit our website or use our services. These companies may use information about your visits to our website that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you.

If our business is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell our products and services to you. 

We are a UK company, but we work with and process data about individuals across the world. To operate our business, we may send your personal information outside of your state or country, including to the United States. This data may be subject to the laws of the countries where we send it. When we send your information across borders, we take steps to protect your information and we try to only send your information to countries that have strong data protection laws.

5. THIRD-PARTY SERVICES & WEBSITES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us. 
However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions. 
For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers. 
In particular, remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located. 
Once you leave our website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service. 

We are not responsible for the safety of any information that you share with third-party providers who advertise on our websites. The services may contain advertisements from third parties that are not affiliated with us and which may link to other websites, online services or mobile applications. Any data collected by third parties is not covered by this privacy policy. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services or applications that may be linked to or from our services.

Links 
Our website may link to external sites that are not operated by us. When you click on links on our website, they may direct you away from our site. Please be aware that we have no control over the content and practices of these sites, and cannot accept responsibility or liability for their respective privacy policies and we encourage you to read their privacy statements and contact them directly to respond to your questions. 

6. HOW LONG DO WE KEEP YOUR INFORMATION?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). A review of personal information held will be carried out regularly and at least once a year.

When we have no ongoing business requirement to process your personal information, we will either delete or anonymize it, or, if this is not possible then we will securely store your personal information until deletion is possible.

7. SECURITY

We have put in place appropriate technical and organizational controls designed to protect the security of any personal information we process.

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

What data we store, we’ll protect within commercially acceptable means to prevent loss and theft, as well as unauthorised access, disclosure, copying, use or modification, we also implement additional generally accepted industry standards. However, we all know that no method of transmission over the Internet, and method of electronic storage, can be 100% secure. This means we cannot guarantee the absolute security of your personal information. Please note transmission of personal information to and from our services is at your own risk and you should only access the services within a secure environment.

Data Breaches: A privacy breach occurs when there is unauthorized access to or collection, use, disclosure or disposal of personal information. We will notify you of data breaches if you are likely to be at risk or serious harm. If we become aware of security breaches which may compromise your data we will promptly investigate the matter and notify the applicable Supervisory Authority not later than 72 hours after having become aware of it, unless the personal data breach is unlikely to result in a risk to the rights and freedoms of natural persons.

8. COOKIES AND OTHER TRACKING TECHNOLOGIES

We may use cookies and similar tracking technologies to access or store information on our website and when providing our services. Please refer to our Cookies policy for specific information about how we use these technologies and how you can refuse certain cookies.

9. AGE OF CONSENT – DATA COLLECTED FROM MINORS

We do not knowingly solicit data from or market to children below the age of majority. By using this site, you represent that you are at least the age of majority in your state, country or place of residence, or that you are the age of majority in your state, country or place of residence and you have given us your consent to allow any of your minor dependents to use this site. 

If we learn that personal information from users less than the age of majority has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children below the age of majority in your state, country or place of residence, please let us know at: contactus@filipfinance.com.

10. YOUR PRIVACY RIGHTS

Regulation: In some regions you have certain rights under applicable data protection laws e.g. like with General Data Protection Regulation (“GDPR”) in the European Economic Area.  These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. To make such a request, please use the contact details provided below. We will consider and act upon any request in accordance with applicable data protection laws. To find more information about your rights under GDPR please visit https://gdpr.eu.

Consent: If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. Please note however that this will not affect the lawfulness of the processing before its withdrawal. You are free to refuse our request for your personal information, with the understanding that we may be unable to provide you with some of your desired services.

Complaints: If you are not happy with our response to a request, you can contact us to resolve the issue. You also have the right to contact your local data protection or privacy authority at any time. If you are resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

Cookies and similar technologies: You can usually choose, if you prefer, to set your browser to remove cookies and to reject cookies as most Web browsers are set to accept cookies by default. If you choose to remove cookies or reject cookies, this could affect certain services we offer. To opt-out of interest-based advertising by advertisers on our services visit http://www.aboutads.info/choices/.

Do-Not-Track (“DNT”) feature: We do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online as there is no uniform technology standard for recognizing and implementing DNT signals.  If we must follow such a standard in the future, we will amend our privacy policy to reflect this requirement.

Review, update or delete your information:  We believe you should be able to access and control your personal information no matter where you live. Based on the laws of some countries, you may have the right to request access to the personal information we collect from you, change that information, restrict or object to some uses of your personal information (for example, direct marketing) or delete it in some cases. To request to review, update, or delete your personal information, contact us at: contactus@filipfinance.com. We will not charge you more or provide you with a different level of service if you exercise any of these rights.

Please note that if you send us a request relating to your personal information, we have to make sure that it is you before we can respond. In order to do so, we may ask to see documentation verifying your identity, which we will discard after verification.

11. CALIFORNIA RESIDENTS SPECIFIC PRIVACY RIGHTS

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with our website, you have the right to request removal of unwanted data that you publicly post on our website. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on our website, but please note this data may not be completely removed from our systems.

12. CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time in order to remain compliant with applicable laws and regulations, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated or contact you directly, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

13. QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer via e-mail at: contactus@filipfinance.com using “Re: Privacy Compliance Officer” in the subject of the e-mail.