Kebijakan Privasi

Our Commitment to PrivacyBrankas Pte Limited (“Brankas”), knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. To make this privacy policy easy to find, we make it available from home page of the Brankas website at https://brank.as (the “website”) and through our mobile applications. You may also email us at support@brank.as with any privacy-related questions you have.

Applicability of Privacy PolicyThis privacy policy applies to all information we collect through our web and mobile applications from Brankas users, including you. This policy only applies to the Brankas Service.Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymised so that it does not identify a specific user.

The Information We CollectWhen you visit the website or use one of our mobile applications, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service.If you open an account, we collect the following information from you:Account Information - text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information.Identification Information - your name, email addressOnline Banking credentials - username and password for the online banking account(s) you choose to link to your Brankas account. Brankas does not retain your online banking credentials: they remain encrypted on your mobile device, and are never stored on Brankas databases.Brankas does not share your personal information with third parties.

Device InformationWe also may obtain information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, geo-location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes.Social Web Information - including but not limited to your Facebook connect credentials (and information that you authorise Facebook share with us though permissions like this http://developers.facebook.com/images/devsite/auth-dialog-example.png) and email account information. If you authorise Facebook Connect, the plug in allows us access to your friends' contact information.We also allow you to import data from other social web services, including but not limited to Twitter, FourSquare, and email service providers. Social and e-mail contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve our services and fight fraud).We are committed to providing a safe, secure and all around great service. Therefore, before permitting you to use our Service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship.

Information from ChildrenWe do not knowingly solicit or collect information from any individuals under the age of 18.

How We Use CookiesWhen you access the website, we, or companies we hire to track how our website is used, may place small data files called “cookies” on your computer.For example, we send a “session cookie” to your computer any time you log in to your Brankas account. This type of cookie helps us to recognise you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page.You are free to decline Brankas cookies if your browser permits, but doing so may interfere with your use of the website.

How We Protect & Store Personal InformationWe store and process your personal information using third party servers located in secure data centers in the United States.This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorise access to personal information only for those employees who require it to fulfill their job responsibilities.We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Brankas password with anyone.If Brankas learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Brankas Service, you agree that Brankas may communicate with you electronically. Brankas may post a notice on the website if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us.

How We Use The Personal Information We CollectOur primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customised experience. We may use your personal information to:

• provide the services and customer support you request;
• send notices about your account activity;
• prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement;
• customise, personalise, measure, and improve our services and the content and layout of our website;
• send you updates about new products and services that we are offering to customers;
• perform other duties as required by law.

How We Share Personal Information With Other PartiesBrankas does not share your personal information with third parties for promotional or marketing purposes.We may share your personal information with:

• Law enforcement, government officials, or other third parties if Brankas is compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Brankas User Agreement, or as otherwise required by law.
• Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our [or any vendor's] behalf.
• Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services); Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Other third parties with your consent or at your direction to do so.

How You Can Access or Change Your Personal InformationYou can review and update your personal information in your account settings at any time by logging in to your account.

Links to Other SitesThe website may contain links to other sites. Brankas does not control the information collection of sites that can be reached through links from the website. We encourage our users to be aware when they are leaving the website and to read the privacy statements of any site that collects personally identifiable information.

Changes to Our Privacy PolicyAs the Brankas service evolves we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the “last updated date” stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our service or by sending you an e-mail. It is your responsibility to periodically review this privacy policy;users are bound by any changes to the privacy policy by using the service after such changes have been first posted.

How to Contact UsIf you have questions or concerns regarding this privacy policy, or any feedback pertaining to your privacy and the Brankas service that you would like us to consider, please email us at support@brank.as