PRIVACY POLICY

1. Introduction

1.1 We prioritize the protection of privacy for our website visitors and users.

1.2 This policy is applicable when we serve as the data controller of personal data, meaning we determine the objectives and methods of processing that data.

1.3 Our website includes privacy controls that influence how your personal data will be handled. These controls allow you to decide if you want to receive direct marketing communications and restrict the collection, sharing, and dissemination of your personal data. These privacy controls are accessible through our website.

1.4 Our website utilizes cookies. We will request your consent for the use of cookies that are not strictly necessary for providing our website and services during your first visit to our website.

1.5 In this policy, "we", "us", and "our" refer to Accumulator Operations LLC.

2. The personal data that we collect

2.1 In this Section, we outline the types of personal data we process. For data not directly obtained from you, we provide details about the source and specific categories of that data.

2.2 We may process information that enables us to communicate with you ("contact data"). This may include your name, email address, telephone number, postal address, and social media account identifiers. This data comes from you or your employer. If you access our website through a social media account, we may receive some of this contact data from the relevant social media provider.

2.3 We may process data related to your user account on our website ("account data"). This includes your account identifier, name, email address, business name, dates of account creation and modification, website settings, and marketing preferences. Most of this account data comes directly from you or your employer, though some data may be generated by our website. If you log in through a social media account, certain parts of this data may come from that social media provider.

2.4 We may process data related to transactions you engage in with us or through our website ("transaction data"). This data can include your name, contact details, payment card details, and the specifics of the transaction. The transaction data is sourced from you or our payment services provider.

2.5 We may process data involved in any communications sent between you and us ("communication data"). This includes the content of the communication and metadata related to the communication, which our website generates when you use our contact forms

2.6 We may process data about your interactions with our website and services ("usage data"). This includes your IP address, geographical location, browser type and version, operating system, source of referral, duration of visit, page views, and navigation paths, along with timing, frequency, and pattern of service use. This usage data is collected by our analytics tracking system.

2.7 We may process additional categories of personal data as necessary to provide you with our services through the website.

2.8 Please refrain from providing us with personal data belonging to someone else, unless we specifically ask you to do so.

3. Purposes of processing and legal bases

3.1 In this Section, we outline the purposes for processing personal data and the legal bases for these activities.

3.2 Operations – we process your personal data to operate our website, deliver our services, generate invoices and other payment-related documents, and manage credit. The legal basis for this processing is to fulfill a contract with you or to take steps at your request to enter into a contract.

3.3 Publications – we process account data to publish it on our website and through our services according to your explicit instructions. The legal basis is the performance of a contract with you or taking steps at your request to enter such a contract.

3.4 Relationships and Communications – we process contact data, account data, transaction data, and communication data to manage our relationships, communicate with you (excluding direct marketing), provide support services, and handle complaints. The legal basis for this processing is our legitimate interests, specifically to communicate with our users, maintain relationships, and properly manage our website, services, and business.

3.5 Direct Marketing – we process contact data, account data, and transaction data to create and send direct marketing communications via email, SMS, post, fax, and to make marketing-related phone calls. The legal basis for this processing is your consent.

3.6 Research and Analysis – we process usage data and transaction data to research and analyze how our website and services are used and to study other interactions with our business. The legal basis is our legitimate interests, namely to monitor, support, improve, and secure our website, services, and overall business.

3.7 Record Keeping – we process your personal data to create and maintain our databases, backup copies, and business records. The legal basis is our legitimate interests, ensuring we have the necessary information to efficiently run our business in line with this policy.

3.8 Security – we process your personal data for security purposes and to prevent fraud and other criminal activities. The legal basis is our legitimate interests, specifically to protect our website, services, and business, as well as others.

3.9 Insurance and Risk Management – we process your personal data for obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis is our legitimate interests, namely to adequately protect our business against risks.

3.10 Legal Claims – we process your personal data as necessary for the establishment, exercise, or defense of legal claims, whether in court, administrative, or out-of-court procedures. The legal basis is our legitimate interests, specifically to protect and assert our rights, your rights, and the rights of others.

3.11 Legal Compliance and Vital Interests – we may also process your personal data when necessary for compliance with legal obligations to which we are subject or to protect your vital interests or those of another natural person.

4. Providing your personal data to others

4.1 We may share your personal data with our insurers and professional advisers as necessary for obtaining or maintaining insurance coverage, managing risks, and obtaining professional advice.

4.2 Personal data stored in our website database will be housed on the servers of our trusted hosting service providers.

4.3 We may disclose certain personal data to our suppliers or subcontractors to the extent necessary for the performance and delivery of our services.

4.4 Financial transactions related to our website and services are managed by our payment service providers. We share transaction data with these providers only as needed for processing payments, issuing refunds, and handling related complaints and queries.

4.5 Besides the specific instances mentioned in this Section 4, we may also disclose your personal data when required for compliance with legal obligations, or to protect your vital interests or those of another person. Additionally, we may share your data as necessary for the establishment, exercise, or defense of legal claims, in court proceedings, or through administrative or out-of-court procedures.

5. International transfers of your personal data

5.1 This Section outlines the circumstances under which your personal data may be transferred to countries outside your own.

5.2 We may transfer and process your personal data in other countries for the purposes described in this policy. This may also extend to allowing our suppliers and subcontractors to do the same during any relevant periods.

5.3 The servers that host our website are located in the USA. The data protection laws of these countries have been deemed adequate by the relevant data protection authorities. Transfers to these countries are safeguarded by the implementation of standard data protection clauses recognized or approved by these authorities.

5.4 Please be aware that personal data you provide for publication on our website or through our services may be accessible globally via the internet. We cannot control and are not responsible for the subsequent use or misuse of such data by others.

6. Retaining and deleting personal data

6.1 This Section outlines our data retention policies and procedures, designed to ensure compliance with legal obligations regarding the retention and deletion of personal data.

6.2 We will not retain personal data longer than necessary for the purposes for which it is processed.

6.3 Retention periods for your personal data are as follows:

(a) Contact data will be retained for a minimum of 1 year from the date of the most recent interaction with us, and for no more than 2 years from that date;

(b) Account data will be retained for at least 5 years after the closure of the account, and for no more than 10 years from that date;

(c) Transaction data will be kept for a minimum of 5 years from the date of the transaction, and for no more than 10 years from that date;

(d) Communication data will be stored for a minimum of 3 years from the date of the communication, and for no more than 5 years from that date

(e) Usage data will be retained for 3 years from the date it was collected.

6.4 Notwithstanding the above provisions, we may retain your personal data where such retention is necessary to comply with a legal obligation or to protect your vital interests or the vital interests of another person.

7. Your rights

7.1 This Section details the rights you possess under data protection law.

7.2 Your principal rights under data protection law include:

(a) the right to access – You can request copies of your personal data;

(b) the right to rectification – You can ask us to correct inaccurate personal data and to complete any incomplete personal data;

(c) the right to erasure – You can request that we erase your personal data;

(d) the right to restrict processing – You can ask us to limit the processing of your personal data;

(e) the right to object to processing – You can object to our processing of your personal data;

(f) the right to data portability – You can request that we transfer your personal data to another organization or directly to you;

(g) the right to complain to a supervisory authority – You can file a complaint regarding our processing of your personal data;

(h) the right to withdraw consent – Where the basis for processing your personal data is consent, you may withdraw that consent at any time.

7.3 Please note that these rights are subject to certain limitations and exceptions under applicable laws.

7.4 You may exercise any of your rights in relation to your personal data by contacting us directly.

8. Security of personal data

8.1 We are committed to implementing appropriate technical and organizational measures to protect your personal data against loss, misuse, or alteration.

8.2 We will store your personal data on secure servers, personal computers, mobile devices, and in secure manual record-keeping systems to ensure its safety.

8.3 Please be aware that transmitting data over the Internet, especially when it is unencrypted or inadequately encrypted, is inherently insecure. Therefore, we cannot guarantee the absolute security of data sent over the Internet.

9. Amendments

9.1 We may revise this policy periodically by posting a new version on our website.

9.2 It is advisable to visit this page occasionally to stay informed of any changes to this policy that may affect you.

9.3 We may inform you of significant changes to this policy through an email notification.

10. Our details

10.1 This website is owned and operated by Accumulator Operations LLC. Our correspondence address is 382 NE 191st Street, Suite 99105, Miami, FL 33179-3899, USA.

10.2 You can contact us directly using contact information on this website.