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Privacy Policy

Last Updated May 02, 2023

Elvira Ospanova operates the website and the "eRates" mobile application (hereinafter referred to as the "Service"). This policy applies to all information that is collected or submitted through the "eRates" mobile application.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to: - Cookies and Usage Data
- Android Advertising ID

Usage Data

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access the Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

Android Advertising ID

The advertising ID is a unique, user-resettable ID for advertising, provided by Google Play services. Further information about the Android Advertising ID can be viewed at https://support.google.com/googleplay/android-developer/answer/6048248?hl=en

Use of Data

eRates uses the collected data for various purposes:
- to provide and maintain our Service
- to notify you about changes to our Service
- to provide customer support
- to gather analysis or valuable information so that we can improve our Service
- to monitor the usage of our Service

Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), eRates legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

eRates may process your Personal Data because:
- you have given us permission to do so
- the processing is in our legitimate interests and it is not overridden by your rights
- for payment processing purposes
- to comply with the law

Retention of Data

eRates will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
eRates will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Business Transaction

If eRates is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, Universal Currency may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

eRates may disclose your Personal Data in the good faith belief that such action is necessary to:
- to comply with a legal obligation
- to protect and defend the rights or property of eRates
- to prevent or investigate possible wrongdoing in connection with the Service
- to protect the personal safety of users of the Service or the public
- to protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service.

AdMob by Google

AdMob by Google is provided by Google Inc.
You can opt-out from the AdMob by Google service by following the instructions described by Google: https://support.google.com/ads/answer/2662922?hl=en

For more information on how Google uses the collected information, please visit the "How Google uses data when you use our partners' sites or app" page: http://www.google.com/policies/privacy/partners/

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

The payment processors we work with are:

Google Play In-App Payments
Their Privacy Policy can be viewed at https://www.google.com/policies/privacy/

Apple App Store In-App Payments
Their Privacy Policy can be viewed at https://www.apple.com/legal/privacy/en-ww/

Please note that the privacy practices of Google Play In-App Payments and Apple App Store In-App Payments are governed by their respective providers' Privacy Policies. By using the payment services provided by Google and Apple, you agree to their terms and conditions and acknowledge that your personal information will be processed in accordance with their Privacy Policies.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 12 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 12. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us:
elyabaiduan@gmail.com