{"id":3454,"date":"2023-09-22T06:07:39","date_gmt":"2023-09-22T06:07:39","guid":{"rendered":"https:\/\/www.worldfirst.com\/tr\/?page_id=3454"},"modified":"2026-07-31T07:01:06","modified_gmt":"2026-07-31T07:01:06","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.worldfirst.com\/tr\/privacy-policy\/","title":{"rendered":"Privacy policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3454\" class=\"elementor elementor-3454\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-38490f85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38490f85\" data-element_type=\"section\" id=\"marketing\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-c73eb49\" data-id=\"c73eb49\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d3ca4f7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1d3ca4f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">\u0130lgili i\u00e7erikler<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c0cae elementor-widget elementor-widget-text-editor\" data-id=\"15c0cae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"x-anchor-content\"><div>&#8211; <a href=\"\/tr\/legal\/\">Yasal bilgiler<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211; <a href=\"https:\/\/www.worldfirst.com\/tr\/compliance\/\">Uyum<\/a><\/span><\/div><div>&#8211; <a href=\"\/tr\/complaints\/\">\u015eikayetler<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211; <a href=\"\/tr\/cookie-policy\/\">\u00c7erez politikas\u0131<\/a><\/span><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-47e541ac\" data-id=\"47e541ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2dde489f elementor-widget elementor-widget-heading\" data-id=\"2dde489f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Gizlilik Politikas\u0131<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5184f2eb elementor-widget elementor-widget-text-editor\" data-id=\"5184f2eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>1. Genel Bak\u0131\u015f<\/h3><p>WorldFirst (Singapore) Merchant Services Pte. Ltd. (<strong>\u201cWorldFirst MS\u201d<\/strong>) olarak, \u00e7al\u0131\u015fmalar\u0131m\u0131zda en y\u00fcksek d\u00fczeyde g\u00fcvenlik, \u015feffafl\u0131k ve d\u00fcr\u00fcstl\u00fc\u011f\u00fc s\u00fcrd\u00fcrmekten gurur duyuyor, ki\u015fisel verilerinizin korunmas\u0131n\u0131n ve verilerinize sayg\u0131 g\u00f6sterilmesinin \u00f6nemini kabul ediyoruz.<\/p><p>Size hizmetlerimizi sunabilmemiz i\u00e7in hakk\u0131n\u0131zda baz\u0131 \u015feyler bilmemiz gerekir. Yaln\u0131zca talep etti\u011finiz hizmetleri size sunmak i\u00e7in ihtiyac\u0131m\u0131z olan veya y\u00fcr\u00fcrl\u00fckteki yasalar\u0131n izin verdi\u011fi bilgileri toplayaca\u011f\u0131z. Bilgilerinizi her zaman en \u00fcst d\u00fczeyde \u00f6zenle i\u015fleyece\u011fiz.<\/p><p>Hakk\u0131n\u0131zda ald\u0131\u011f\u0131m\u0131z her t\u00fcrl\u00fc bilgi, ki\u015fisel verilerinize yetkisiz eri\u015fim veya verilerinizin yetkisiz if\u015fas\u0131 da dahil olmak \u00fczere, k\u00f6t\u00fcye kullan\u0131m riskini en aza indirmek i\u00e7in s\u0131k\u0131 kontrollere tabi tutulacakt\u0131r. \u0130\u015fbu Gizlilik Politikas\u0131; WorldFirst MS\u2019in web sitesini ziyaret edenler (m\u00fc\u015fteri olmasan\u0131z bile), hizmetleri i\u00e7in kay\u0131t yapt\u0131ran ve hizmetlerini kullanmaya devam eden \u015firketler ve bireyler ile WorldFirst MS ile telefonla veya yaz\u0131l\u0131 olarak ileti\u015fime ge\u00e7en di\u011fer her t\u00fcrl\u00fc ki\u015fi hakk\u0131nda toplayabilece\u011fi bilgiler i\u00e7in ge\u00e7erlidir. <strong>Web sitemize eri\u015ferek, hizmetlerimize kay\u0131t yapt\u0131rarak, hizmetlerimizi kullanarak ve\/veya bize bilgi sa\u011flayarak, ki\u015fisel verilerin i\u015fbu Gizlilik Politikas\u0131 i\u00e7inde a\u00e7\u0131klanan \u015fekilde toplanmas\u0131na, kullan\u0131lmas\u0131na ve if\u015fa edilmesine r\u0131za g\u00f6stermektesiniz.<\/strong><\/p><p>L\u00fctfen i\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131, <a href=\"https:\/\/render.worldfirst.com\/p\/c\/180021490000000255\/index.html?agreementId=BP00100015&amp;env=prod\">Genel H\u00fck\u00fcm ve Ko\u015fullar\u0131m\u0131z<\/a>, \u00c7erez Politikam\u0131z ve hizmetlerimize kaydoldu\u011funuzda veya hizmetlerimizi kullan\u0131rken zaman zaman size at\u0131fta bulunulan veya sa\u011flanan di\u011fer belgelerle birlikte dikkatlice okuyunuz. \u0130\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131n ama\u00e7lar\u0131 do\u011frultusunda, <strong>\u201cki\u015fisel veri\u201d<\/strong> terimi (Singapur 2012 Ki\u015fisel Verilerin Korunmas\u0131 Kanunu (<strong>\u201cPDPA\u201d<\/strong>) kapsam\u0131nda), do\u011fru olsun ya da olmas\u0131n, (a) s\u00f6z konusu veriden veya (b) s\u00f6z konusu veriden ve eri\u015fimimiz olan veya eri\u015fimimizin olmas\u0131 muhtemel di\u011fer bilgilerden kimli\u011fi tespit edilebilen bir bireye ili\u015fkin veriler anlam\u0131na gelir. Anonim verileri veya sizinle ili\u015fkilendirilemeyecek hi\u00e7bir veriyi kapsamaz.<\/p><p>\u00a0<\/p><h3>2. Biz kimiz<\/h3><p>Biz, \u015firket adresi: 128 Beach Road, #20-01, Guoco Midtown Office, Singapore 189773 olan WorldFirst (Singapore) Merchant Services Pte. Ltd.\u2019yiz (i\u015fbu Gizlilik Politikas\u0131\u2019nda <strong>\u201cWorldFirst MS\u201d<\/strong>, <strong>\u201cbiz\u201d<\/strong>, <strong>\u201cbize\u201d<\/strong> veya <strong>\u201cbizim\u201d<\/strong> olarak an\u0131lacakt\u0131r).<\/p><p>WorldFirst MS, i\u015fbu Gizlilik Politikas\u0131&#8217;nda a\u00e7\u0131klanan faaliyetler i\u00e7in ki\u015fisel verilerinizin (PDPA kapsam\u0131nda) \u201ckurulu\u015fu\u201d olarak hareket eder. Bu durum, ki\u015fisel verilerinizin neden ve nas\u0131l toplanaca\u011f\u0131na ve kullan\u0131laca\u011f\u0131na karar veren yasal ki\u015fili\u011fin WorldFirst MS oldu\u011fu anlam\u0131na gelir.<\/p><p>\u0130\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131n h\u00fck\u00fcmlerinden herhangi biri hakk\u0131nda daha fazla bilgi edinmek isterseniz, her t\u00fcrl\u00fc soru veya endi\u015fenizde size yard\u0131mc\u0131 olabilmemiz i\u00e7in l\u00fctfen Gizlilik Ofisimiz ile (l\u00fctfen a\u015fa\u011f\u0131daki B\u00f6l\u00fcm 13\u2019e bak\u0131n\u0131z) ileti\u015fime ge\u00e7iniz.<\/p><p>\u00a0<\/p><h3>3. Hangi bilgileri topluyoruz? Ve bunlar\u0131 nas\u0131l topluyoruz?<\/h3><h4>Bize sa\u011flad\u0131\u011f\u0131n\u0131z bilgiler<\/h4><p>Bir hesap a\u00e7mak veya WorldFirst MS hizmetlerini kullanmak i\u00e7in, kendiniz (\u00f6rn. ad, adres, e-posta veya telefon numaras\u0131 gibi ileti\u015fim bilgileri, do\u011fum tarihi) ve \u015firketiniz hakk\u0131nda tan\u0131mlay\u0131c\u0131 bilgiler (birlikte <strong>\u201cHesap Bilgileri\u201d<\/strong>) ile birlikte sa\u011flanan bilgileri do\u011frulamak i\u00e7in belgeler sa\u011flaman\u0131z istenecektir \u2013 \u00f6rne\u011fin, kimlik kart\u0131 veya pasaport detaylar\u0131 gibi kimlik belgesi, adres belgesi, y\u00fcz g\u00f6r\u00fcnt\u00fcn\u00fcz veya ses izi detaylar\u0131n\u0131z gibi biyometrik bilgiler, istihdam\u0131n\u0131z hakk\u0131ndaki bilgiler, servet kayna\u011f\u0131 ve fon kayna\u011f\u0131, \u00f6rne\u011fin gelir belgenizin kopyalar\u0131 ve i\u015f yeri tescil bilgileri (birlikte <strong>\u201cKimlik Bilgileri\u201d<\/strong>). Ayr\u0131ca kullan\u0131c\u0131 ad\u0131n\u0131z ve \u015fifrenizi i\u00e7eren \u201cProfil Bilgileri\u201d sa\u011flaman\u0131z da istenecektir.<\/p><p>\u00d6demeleri ger\u00e7ekle\u015ftirmek i\u00e7in, \u00f6demeyi kolayla\u015ft\u0131rmak ad\u0131na gerekli olan bilgileri \u2013 \u00f6rn. \u00d6deyen\/\u00d6deme Alan Bilgileri (a\u015fa\u011f\u0131ya bak\u0131n\u0131z) ve belirli \u0130\u015flem Bilgilerini (a\u015fa\u011f\u0131ya bak\u0131n\u0131z) \u2013 \u00f6zellikle banka hesap detaylar\u0131n\u0131 ve fon kayna\u011f\u0131n\u0131 sa\u011flaman\u0131z istenecektir.<\/p><p>\u0130\u015f ili\u015fkimizin seyri boyunca, yasal y\u00fck\u00fcml\u00fcl\u00fcklerimize (\u00f6rn. kara para aklamay\u0131 \u00f6nleme d\u00fczenlemeleri) uymam\u0131z ad\u0131na ek kan\u0131tlar talep edebiliriz. Bunlar, sa\u011flanan herhangi bir bilgiyi do\u011frulamak i\u00e7in gerekli belgeleri veya fon kayna\u011f\u0131n\u0131n kan\u0131t\u0131n\u0131 (<strong>\u201cKYB\/AML Bilgileri\u201d<\/strong>) i\u00e7erebilir ancak bunlarla s\u0131n\u0131rl\u0131 de\u011fildir.<\/p><h4>Web sitemizi ve hizmetlerimizi kulland\u0131\u011f\u0131n\u0131zda toplad\u0131\u011f\u0131m\u0131z ve \u00fcretti\u011fimiz bilgiler<\/h4><p>Web sitemiz, web sitemizde size daha iyi bir deneyim sunmak, doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 \u00f6nlemek ve web sitemizde banner reklamlar\u0131 gibi internet tabanl\u0131 reklamlar sunmak i\u00e7in \u00e7erezler kullan\u0131r. Kulland\u0131\u011f\u0131m\u0131z \u00e7erezler ve bunlar\u0131 hangi ama\u00e7larla kulland\u0131\u011f\u0131m\u0131z hakk\u0131nda detayl\u0131 bilgi i\u00e7in l\u00fctfen \u00c7erez Politikam\u0131z\u0131n tamam\u0131na bak\u0131n\u0131z.<\/p><p>Hizmetlerimizi geli\u015ftirmek i\u00e7in geri bildirimleri yakalamam\u0131za ve yeni \u00fcr\u00fcnlerin geli\u015ftirilmesine yard\u0131mc\u0131 olmam\u0131za olanak tan\u0131mak amac\u0131yla, WorldFirst MS kullan\u0131c\u0131 toplulu\u011fu kat\u0131l\u0131mc\u0131lar\u0131n\u0131n oturumlar\u0131 kaydedilecektir.<\/p><p>Doland\u0131r\u0131c\u0131l\u0131k ve siber su\u00e7lar\u0131n tespiti ve \u00f6nlenmesi i\u00e7in, hesap giri\u015finin me\u015fruiyetini belirlemeye yard\u0131mc\u0131 olmak amac\u0131yla oturum, cihaz ve IP adresi (<strong>\u201cCihaz Bilgileri\u201d<\/strong>) dahil olmak \u00fczere bilgileri toplayaca\u011f\u0131z. Ayr\u0131ca web sitemizdeki faaliyetleriniz ve web sitemizi kullan\u0131m\u0131n\u0131z hakk\u0131nda, \u00f6rne\u011fin taray\u0131c\u0131 ge\u00e7mi\u015fi, \u00fcr\u00fcn etkile\u015fimi, IP adresi veya di\u011fer benzersiz tan\u0131mlay\u0131c\u0131lar ve web sitemiz ile reklamlar\u0131m\u0131zla olan etkile\u015fiminize ili\u015fkin di\u011fer bilgileri (<strong>\u201cKullan\u0131m Bilgileri\u201d<\/strong>) toplayaca\u011f\u0131z.<\/p><p>Risk kontrol\u00fc ile yeni \u00fcr\u00fcnlerin ve katma de\u011ferli hizmetlerin geli\u015ftirilmesi amac\u0131yla, hizmetlerimizi kullan\u0131m\u0131n\u0131za dayal\u0131 olarak veri analizi ger\u00e7ekle\u015ftirebilir ve tercihleriniz ile risk skorlar\u0131n\u0131z\/etiketleriniz hakk\u0131nda bilgiler \u00fcretebiliriz (<strong>\u201cKullan\u0131c\u0131 Profili\u201d<\/strong>).<\/p><h4>Kamuoyuna a\u00e7\u0131k bilgiler<\/h4><p>Kay\u0131tl\u0131 olmayan kullan\u0131c\u0131lar i\u00e7in, y\u00fcr\u00fcrl\u00fckteki yasalar\u0131n izin verdi\u011fi durumlarda, i\u015fletmeniz i\u00e7in uygun olabilecek \u00fcr\u00fcnler hakk\u0131nda sizi bilgilendirmek amac\u0131yla, payla\u015f\u0131lmas\u0131na r\u0131za g\u00f6sterdi\u011finiz kamuya a\u00e7\u0131k bilgileri veya \u00fc\u00e7\u00fcnc\u00fc taraflardan al\u0131nan bilgileri (yani ad ve ileti\u015fim bilgilerini) kullanarak sizinle ileti\u015fime ge\u00e7ebiliriz. Bu t\u00fcr \u00fc\u00e7\u00fcnc\u00fc taraf kaynaklar, \u00f6rne\u011fin sosyal medya platformlar\u0131n\u0131, \u015firket sicil listelerini, telefon rehberlerini ve kamuya a\u00e7\u0131k di\u011fer rehberleri i\u00e7erir.<\/p><h4>\u0130\u015flem bilgileri<\/h4><p>Hesab\u0131n\u0131z tamamen kurulduktan ve bizimle i\u015flem yapmaya ba\u015flad\u0131\u011f\u0131n\u0131zda, WorldFirst MS finansal ve i\u015flem bilgilerinizi toplayacak, i\u015fleyecek ve saklayaca\u011f\u0131z. Bu bilgiler miktar, para birimi, i\u015flem t\u00fcr\u00fc, fon kayna\u011f\u0131, d\u00f6viz kuru, al\u0131c\u0131 ad\u0131 ve banka detaylar\u0131n\u0131 i\u00e7erir (birlikte <strong>\u201c\u0130\u015flem Bilgileri\u201d<\/strong>). Bu t\u00fcr bilgiler di\u011fer bankalardan ve \u00f6deme kurulu\u015flar\u0131ndan gelebilir.<\/p><h4>\u00dc\u00e7\u00fcnc\u00fc taraflardan hakk\u0131n\u0131zda ald\u0131\u011f\u0131m\u0131z bilgiler (\u201c\u00dc\u00e7\u00fcnc\u00fc Taraf Bilgileri\u201d)<\/h4><p>Kendimizi ve m\u00fc\u015fterilerimizi doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u015f\u0131 korumak i\u00e7in, sa\u011flad\u0131\u011f\u0131n\u0131z bilgileri (\u00f6rn. KYB \/ AML Bilgileri) doland\u0131r\u0131c\u0131l\u0131k \u00f6nleme kurumlar\u0131, elektronik kimlik do\u011frulama hizmetleri, devlet sicilleri ve di\u011fer kamu kay\u0131t kaynaklar\u0131 ile do\u011frular\u0131z. Do\u011frulama s\u00fcrecinde, bu t\u00fcr hizmetlerden hakk\u0131n\u0131zda bilgiler al\u0131r ve i\u015fleriz. Bu, ger\u00e7ek kimlik do\u011frulama ve onaylama ama\u00e7lar\u0131 i\u00e7in kullan\u0131lan biyometrik bilgilerin (y\u00fcz tan\u0131ma teknolojileri arac\u0131l\u0131\u011f\u0131yla) toplanmas\u0131n\u0131 i\u00e7erebilir.<\/p><p>Bilgiler ayr\u0131ca i\u015ftiraklerimizden, kredi referans kurumlar\u0131ndan ve risk analizi hizmet sa\u011flay\u0131c\u0131lar\u0131ndan, kredi raporlar\u0131 ve risk skorlar\u0131\/etiketleri gibi \u015fekillerde toplanabilir.<\/p><p>Size sunulan \u00f6demeyi ve\/veya di\u011fer katma de\u011ferli hizmetleri kolayla\u015ft\u0131rmak i\u00e7in, i\u015f ortaklar\u0131m\u0131zdan (\u00f6rn. taraf\u0131n\u0131zca belirlenen e-ticaret platformlar\u0131 veya finansal hizmet sa\u011flay\u0131c\u0131lar\u0131) sizin veya \u015firketiniz hakk\u0131nda bilgiler toplayaca\u011f\u0131z.<\/p><h4>\u0130leti\u015fimler<\/h4><p>Kalite kontrol\u00fc, g\u00fcvenlik ve e\u011fitim ama\u00e7lar\u0131yla, i\u015flemlerin kan\u0131t\u0131 olarak ve mevzuat gerekliliklerini yerine getirmek \u00fczere t\u00fcm aramalar (g\u00f6r\u00fcnt\u00fcl\u00fc aramalar dahil) kaydedilir ve yaz\u0131\u015fmalar saklan\u0131r. Bize if\u015fa etti\u011finiz her t\u00fcrl\u00fc bilgi, y\u00fcr\u00fcrl\u00fckteki yasalara uygun olarak bu kay\u0131tlarda tutulacakt\u0131r (<strong>\u201cArama Kayd\u0131 Bilgileri\u201d<\/strong>).<\/p><p><strong>WorldFirst MS&#8217;in kay\u0131tl\u0131 kullan\u0131c\u0131s\u0131 olmayan bireyler<\/strong><\/p><ul><li><strong>Ba\u011flant\u0131l\u0131 taraflar<\/strong><\/li><\/ul><p>WorldFirst MS, yasal y\u00fck\u00fcml\u00fcl\u00fcklerimize uymak amac\u0131yla, i\u015f ili\u015fkisi s\u00fcresince bir WorldFirst MS m\u00fc\u015fterisinin ba\u011flant\u0131l\u0131 taraflar\u0131 hakk\u0131ndaki bilgileri m\u00fc\u015fteriden toplayacakt\u0131r \u2013 \u00f6rn. bir WorldFirst MS m\u00fc\u015fterisinin direkt\u00f6rleri, hissedarlar\u0131, nihai faydalan\u0131c\u0131 sahipleri ve\/veya tedarik\u00e7ileri (<strong>\u201cBa\u011flant\u0131l\u0131 Taraf Bilgileri\u201d<\/strong>). M\u00fc\u015fteriler bu bilgileri sa\u011flad\u0131klar\u0131nda, i\u015fbu Gizlilik Politikas\u0131\u2019n\u0131 ilgili ki\u015filerin dikkatine sunmaktan sorumludurlar.<\/p><ul><li><strong>\u00d6deyenler ve \u00f6deme alanlar<\/strong><\/li><\/ul><p>WorldFirst MS, bir WorldFirst MS m\u00fc\u015fterisi olmayabilecek bir bireye \u00f6deme g\u00f6nderebilmek veya bir bireyden \u00f6deme alabilmek i\u00e7in gerekli olan bilgileri toplayacakt\u0131r. Bu, \u00f6demeyi i\u015flemek i\u00e7in gerekli olan ad, ileti\u015fim bilgileri ve banka hesab\u0131 detaylar\u0131n\u0131 i\u00e7erebilir (<strong>\u201c\u00d6deyen\/\u00d6deme Alan Bilgileri\u201d<\/strong>).<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><div><h3>4. Bilgilerinizi ne i\u00e7in kullan\u0131yoruz?<\/h3><p>Ki\u015fisel verilerinizi i\u015fleme ama\u00e7lar\u0131m\u0131z \u015funlar\u0131 i\u00e7erir:<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f7aa1e elementor-widget elementor-widget-html\" data-id=\"4f7aa1e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style type=\"text\/css\">\n.tg  {border-collapse:collapse;border-spacing:0;}\n.tg td{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;\n  overflow:hidden;padding:10px 5px;word-break:normal;}\n.tg th{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px;\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\n.tg .tg-1wig{font-weight:bold;text-align:left;vertical-align:top}\n.tg .tg-fymr{border-color:inherit;font-weight:bold;text-align:left;vertical-align:top}\n.tg .tg-0lax{text-align:left;vertical-align:top}\n<\/style>\n\n<div style=\"overflow-x: auto; -webkit-overflow-scrolling: touch; margin-bottom: 1.5em; width: 100%; max-width: 100%; display: block; box-sizing: border-box;\">\n<table class=\"tg\" style=\"min-width: 705px; width: 100%;\">\n<colgroup>\n<col style=\"width: 272px\">\n<col style=\"width: 433px\">\n<\/colgroup>\n<thead>\n  <tr>\n    <th class=\"tg-fymr\">Ki\u015fisel Veri Kategorisi<\/th>\n    <th class=\"tg-1wig\">\u0130\u015fleme Amac\u0131<\/th>\n  <\/tr>\n<\/thead>\n<tbody>\n  <tr>\n    <td class=\"tg-0lax\">Yukar\u0131daki <span style=\"font-weight:bold\">B\u00f6l\u00fcm 3<\/span>'te yer alan, Kullan\u0131m Bilgileri, Kullan\u0131c\u0131 Profili, \u00d6deyen\/\u00d6deme Alan Bilgileri ve Cihaz Bilgileri d\u0131\u015f\u0131ndaki t\u00fcm ki\u015fisel veriler<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">Kay\u0131t ve Y\u00f6netim: <\/span>Ki\u015fisel verilerinizi bize kaydolman\u0131z\u0131 sa\u011flamak i\u00e7in kullan\u0131r\u0131z. Bizde bir hesab\u0131n\u0131z oldu\u011funda, ki\u015fisel verilerinizi sizinle ileti\u015fime ge\u00e7mek ve her t\u00fcrl\u00fc soru veya talebe yan\u0131t vermek i\u00e7in kullanaca\u011f\u0131z. Ki\u015fisel verilerinizi, hesap detaylar\u0131n\u0131z\u0131 g\u00fcncellemek amac\u0131yla sizinle ileti\u015fime ge\u00e7memizi (bu, kay\u0131tlar\u0131m\u0131z\u0131 g\u00fcncel veya d\u00fczenli tutmaya yard\u0131mc\u0131 olur), size sundu\u011fumuz hizmeti etkileyebilecek \u00fcr\u00fcn veya hizmetlerimizdeki de\u011fi\u015fiklikleri veya geli\u015ftirmeleri size bildirmeyi veya yasalar\u0131n gerektirdi\u011fi \u015fekilde size bildirimler ve a\u00e7\u0131klamalar g\u00f6ndermeyi i\u00e7eren hesab\u0131n\u0131z\u0131n y\u00f6netiminde kullanaca\u011f\u0131z \u2013 bu hizmet mesajlar\u0131n\u0131n al\u0131nmas\u0131n\u0131 devre d\u0131\u015f\u0131 b\u0131rakamazs\u0131n\u0131z.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Yukar\u0131daki <span style=\"font-weight:bold\">B\u00f6l\u00fcm 3<\/span>'te yer alan, Kullan\u0131m Bilgileri ve Cihaz Bilgileri d\u0131\u015f\u0131ndaki t\u00fcm ki\u015fisel veriler<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">\u00d6deme Hizmetleri Sa\u011flamak: <\/span>Ki\u015fisel verilerinizi, i\u015flemlerin ger\u00e7ekle\u015ftirilmesi ve \u00f6demelerin kolayla\u015ft\u0131r\u0131lmas\u0131 dahil olmak \u00fczere size \u00fcr\u00fcn ve hizmetlerimizi sunmak ve size kar\u015f\u0131 s\u00f6zle\u015fme y\u00fck\u00fcml\u00fcl\u00fcklerimizi yerine getirmek amac\u0131yla kullan\u0131r\u0131z. Bu, riski y\u00f6netmek ve \u00f6deyenler, \u00f6deme alanlar ve i\u015flemler \u00fczerinde do\u011frulama kontrolleri ger\u00e7ekle\u015ftirmek gibi yasal ve d\u00fczenleyici y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmek amac\u0131yla ki\u015fisel verilerinizin bankalar, para hizmeti operat\u00f6rleri ve \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 dahil olmak \u00fczere di\u011fer finansal kurulu\u015flarla payla\u015f\u0131lmas\u0131n\u0131 i\u00e7erecektir (a\u015fa\u011f\u0131daki B\u00f6l\u00fcm 5'e bak\u0131n\u0131z).<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Hesap Bilgileri, Kimlik Bilgileri, Profil Bilgileri, KYB\/ AML Bilgileri, Kullan\u0131c\u0131 Profili, \u0130\u015flem Bilgileri, \u00dc\u00e7\u00fcnc\u00fc Taraf Bilgileri, Ba\u011flant\u0131l\u0131 Taraf Bilgileri<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">Katma De\u011ferli Hizmetler Sa\u011flamak: <\/span>Belirli e-ticaret pazaryerlerinde bir ma\u011faza a\u00e7ma ve y\u00f6netme ba\u015fvurular\u0131n\u0131za veya i\u015f ortaklar\u0131m\u0131z taraf\u0131ndan sa\u011flanan finansal \u00fcr\u00fcnlere yard\u0131mc\u0131 olmak dahil ancak bunlarla s\u0131n\u0131rl\u0131 olmamak \u00fczere, m\u00fc\u015fterilerimize katma de\u011ferli hizmetler sunmak i\u00e7in \u00e7e\u015fitli i\u015f ortaklar\u0131yla i\u015f birli\u011fi yapmaktay\u0131z. \u00d6zel yetkilendirmenizle, ki\u015fisel verilerinizi taraf\u0131n\u0131zca belirlenen g\u00fcvenilir i\u015f ortaklar\u0131yla payla\u015faca\u011f\u0131z.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Kullan\u0131m Bilgileri, Cihaz Bilgileri, Kullan\u0131c\u0131 Profili<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">\u00dcr\u00fcn ve Hizmetlerimizi Geli\u015ftirmek: <\/span>\u00dcr\u00fcn ve hizmetlerimizi iyile\u015ftirmek, kullan\u0131m\u0131n\u0131z i\u00e7in finansal hizmetler veya ilgili \u00fcr\u00fcnler tasarlamak dahil olmak \u00fczere yeni \u00fcr\u00fcn ve hizmetler geli\u015ftirmek ve taraf\u0131m\u0131zca sunulan \u00fcr\u00fcn ve hizmet tekliflerinin uygunlu\u011funu art\u0131rmak amac\u0131yla m\u00fc\u015fterilerimizin eylemlerini, davran\u0131\u015flar\u0131n\u0131, tercihlerini, i\u015flemlerini, beklentilerini ve geri bildirimlerini anlamak.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Hesap Bilgileri, Profil Bilgileri, Kimlik Bilgileri, KYB\/AML Bilgileri, Kullan\u0131c\u0131 Profili, \u00d6deyen\/\u00d6deme Alan Bilgileri, \u0130\u015flem Bilgileri, \u00dc\u00e7\u00fcnc\u00fc Taraf Bilgileri<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">Su\u00e7un \u00d6nlenmesi ve Tespiti:<\/span> M\u00fc\u015fterilerimiz ve onlar\u0131n faydalan\u0131c\u0131lar\u0131 \u00fczerinde durum tespiti yapmam\u0131z\u0131 gerektiren s\u0131k\u0131 kara para aklamay\u0131 \u00f6nleme ve ter\u00f6rizmin finansman\u0131yla m\u00fccadele d\u00fczenlemelerine tabiyiz. Bu, riskleri belirlemek ve kimli\u011fi do\u011frulamak i\u00e7in bir kimlik referans kurumu arac\u0131l\u0131\u011f\u0131yla ve di\u011fer bilgi kaynaklar\u0131 vas\u0131tas\u0131yla hafif aramalar yap\u0131lmas\u0131n\u0131 ve skorlama y\u00f6ntemlerinin kullan\u0131lmas\u0131n\u0131 i\u00e7erebilir. Bu faaliyetler, elektronik do\u011frulama ara\u00e7lar\u0131n\u0131n (y\u00fcz tan\u0131ma teknolojileri gibi) kullan\u0131m\u0131n\u0131 ve biyometrik verilerin toplanmas\u0131n\u0131 i\u00e7erebilir. Ayr\u0131ca ki\u015fisel verilerin polis, kolluk kuvvetleri, vergi makamlar\u0131 veya di\u011fer devlet ve doland\u0131r\u0131c\u0131l\u0131k \u00f6nleme kurumlar\u0131yla payla\u015f\u0131lmas\u0131n\u0131 da i\u00e7erebilir.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Ad ve ileti\u015fim bilgileri, Kullan\u0131c\u0131 Profili<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">Do\u011frudan Pazarlama: <\/span>Bilgilerinizi, WorldFirst MS Grup \u015eirketlerinin \u00fcr\u00fcn ve hizmetleri hakk\u0131nda sizi g\u00fcncel tutmak, size yeni \u00fcr\u00fcnler\/hizmetler hakk\u0131nda bilgi vermek veya bizimle olan deneyiminizi sormak i\u00e7in kullanabiliriz. Size veya i\u015fletmenize hitap edebilecek \u00fcr\u00fcn ve hizmetleri g\u00f6stermek amac\u0131yla size ki\u015fiselle\u015ftirilmi\u015f reklamlar sunabiliriz. Do\u011frudan pazarlamadan istedi\u011finiz zaman \u00e7\u0131kabilir veya ki\u015fisel tercihlerinizi ayarlayabilirsiniz. Pazarlanabilecek hizmet, \u00fcr\u00fcn ve konu s\u0131n\u0131flar\u0131 aras\u0131nda para hizmetleri, \u00f6deme hizmetleri, finansal hizmetler, d\u00f6viz hizmetleri, \u00f6d\u00fcl programlar\u0131, sadakat programlar\u0131, ayr\u0131cal\u0131klar, ortak markal\u0131 programlar ile ilgili \u00fcr\u00fcn ve hizmetler i\u00e7in promosyonlar yer almaktad\u0131r.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Arama Kayd\u0131 Bilgileri<\/td>\n    <td class=\"tg-0lax\"><span style=\"font-weight:bold\">\u0130zleme:<\/span> Kalite kontrol\u00fc, g\u00fcvenlik ve e\u011fitim ama\u00e7lar\u0131yla, \u00f6rne\u011fin m\u00fc\u015fteri hizmetlerimizin kalitesini de\u011ferlendirmek ve personel e\u011fitimi sa\u011flamak amac\u0131yla t\u00fcm telefon, sesli ve g\u00f6r\u00fcnt\u00fcl\u00fc aramalar\u0131m\u0131z\u0131 kaydederiz.<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Yukar\u0131daki <span style=\"font-weight:bold\">B\u00f6l\u00fcm 3<\/span>'te yer alan t\u00fcm ki\u015fisel veriler<\/td>\n    <td class=\"tg-0lax\">Bizi veya di\u011fer WorldFirst MS Grup \u015firketlerini ilgilendiren yasal taleplere kar\u015f\u0131 haklar\u0131m\u0131z\u0131 savunmak ve uygulamak, d\u00fczenleyici konular\u0131, soru\u015fturmalar\u0131, veri ihlallerini ve\/veya veri sahibi taleplerini y\u00f6netmek ve WorldFirst MS Grup \u015eirketleri i\u00e7indeki raporlama ve muhasebe dahil olmak \u00fczere i\u015fimizi y\u00f6netmek (yasal, i\u00e7 ve d\u0131\u015f raporlama ve muhasebe ama\u00e7lar\u0131 dahil).<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Yukar\u0131daki <span style=\"font-weight:bold\">B\u00f6l\u00fcm 3<\/span>'te yer alan t\u00fcm ki\u015fisel veriler<\/td>\n    <td class=\"tg-0lax\">Taraf\u0131m\u0131zca veya herhangi bir WorldFirst MS Grup \u015eirketi taraf\u0131ndan \u00f6ng\u00f6r\u00fclen herhangi bir fiili veya \u00f6nerilen birle\u015fme, devralma, finansman i\u015flemi veya ortak giri\u015fim i\u00e7in her t\u00fcrl\u00fc durum tespiti ve di\u011fer ekspertiz veya de\u011ferlendirmeleri ger\u00e7ekle\u015ftirmek<\/td>\n  <\/tr>\n  <tr>\n    <td class=\"tg-0lax\">Belirlenmi\u015f bilgiler<\/td>\n    <td class=\"tg-0lax\">\u00dc\u00e7\u00fcnc\u00fc taraf\u0131n kendi kullan\u0131m\u0131 i\u00e7in ba\u011f\u0131ms\u0131z veri sorumlular\u0131 olarak ki\u015fisel verilerinizi \u00fc\u00e7\u00fcnc\u00fc taraflarla payla\u015fmak \u00fczere zaman zaman talimat\u0131n\u0131z veya r\u0131zan\u0131z do\u011frultusunda.<\/td>\n  <\/tr>\n<\/tbody>\n<\/table>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b24dc6 underline-remove-from-hyperlink elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-accordion\" data-id=\"6b24dc6\" data-element_type=\"widget\" id=\"wf-faq-accordion-scroll-focus\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1121\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1121\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What information do we collect? and how do we collect it?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1121\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1121\"><p><strong>Information you provide to us<\/strong><\/p><p>To open an account or use Alipay MS services, you will be asked to provide identifying information about yourself (e.g. name, address, and email address), your company and documents to verify the information provided \u2013 such as, a copy or record of your identity cards, passport or other travel document information, your proof of address, occupation, nationality, country of birth, source of funding, source of wealth and\/or other information from checks, credit cards, bank statements.<\/p><p>In order to make payments, you will be asked to provide the information required to facilitate the payment \u2013 e.g. beneficiary information, bank account details and source of funds.<\/p><p>Through the course of our business relationship, we may ask for additional evidence in order for us to comply with our legal obligations \u2013 e.g. anti-money laundering regulations. These can include, but are not limited to, documents required to verify any information provided or evidence of source of funds.Transactional information<\/p><p><strong>Information we collect when you use our website or app<\/strong><\/p><p>Our website uses cookies to provide you with a better experience on our website, for fraud prevention and to provide internet-based advertisements such as banner advertisement on the website or app. For detailed information on the cookies we use and the purposes for which we use them, please see our full Cookie policy.<\/p><p>Alipay MS user community participants will have their sessions recorded to allow us to capture the feedback to improve our services and help with the development of new products. This will always be based on your consent, which you can withdraw at any time.<\/p><p>For the detection and prevention of fraud and cyber-crime, we will collect information, including session, device and IP address to help ascertain the legitimacy of the account login.<\/p><p><strong>Public information<\/strong><\/p><p>For non-registered users, we may contact you using publicly available information or information from third parties, which you have consented to being shared, to let you know about products that could be relevant for your business.<\/p><p><strong>Transactional information<\/strong><\/p><p>Once your account is fully set up and you begin to transact with us we will collect, process and store your Alipay MS financial and transactional information. This information includes the amount, currency, type of transaction, source of funds, exchange rate, recipient name and bank details.<\/p><p><strong>Information about you that we receive from third parties<\/strong><\/p><p>To protect ourselves and our customers against fraud, we verify the information you provide with antifraud agencies and electronic identity verification services. In the course of verification, we receive and process information about you from such services. This may include the collection of biometric information (via facial recognition technologies) used for real identity verification and authentication purposes.<\/p><p>Information may also be collected from credit reference agencies.<\/p><p><strong>Communications<\/strong><\/p><p>All calls are recorded and correspondence retained for the purposes of quality control and training, as evidence of transactions and to fulfill regulation requirements. Any information you disclose to us will be held on these recordings. Generally, we will inform you that we are carrying out the recording of the calls.<\/p><p><strong>Individuals who are not registered users of Alipay MS<\/strong><\/p><p><u>Connected parties<\/u><\/p><p>Alipay MS will collect information about connected parties to a Alipay MS client during the course of the business relationship with the client to comply with our legal obligations &#8211; e.g. directors or shareholders of a company. Where customers provide this information, they are required to bring this Privacy Policy to the attention of the individuals concerned.<\/p><p><u>Beneficiaries<\/u><\/p><p>Alipay MS will collect information required to be able to send a payment to an individual, who may not be a Alipay MS client from its customer. This information includes name and bank account details that are required by Alipay MS to process the payment. Where customers provide this information, they warrant that the individual has been informed of the purpose for which his\/her information is collected and has consented to the disclosure of his\/her information to Alipay MS.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1122\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1122\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What do we use your information for?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1122\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1122\"><p>We collect, use and disclose your Personal Data for a number of reasons, including:<\/p><p><strong>Registration and administration<\/strong><\/p><p>We use your information to enable you to register with us. Once you have an account with us we will use your details to contact you and to reply to any queries or requests. We may use your information in the administration of your account, which includes us contacting you in order to update your account details (this assists us with keeping our records as up to date as possible) or in order to notify you of changes or improvements to our products or services that may affect our service to you.<\/p><p><strong>Our products and services<\/strong><\/p><p>We use your information in order to supply our products and services to you and to meet our contractual obligations to you. Additionally, we may need to notify you of any changes relating to our products and services.<\/p><p><strong>Prevention and detection of crime <\/strong><\/p><p>We are subject to strict anti-money laundering and counter-terrorist financing regulations which requires us to undertake due diligence on our customers and their beneficiaries. This may include the conduct of soft searches through an identity-referencing agency and through other sources of information and the use of scoring methods to identify risk and to verify identity. These activities may involve the use of electronic verification tools (such as, facial recognition technologies) and the collection of biometric data. As part of our verification requirements we may also require copies of identification documents and proof of address.<\/p><p>We may require additional documentation and information from time to time throughout the course of our business relationship with you to ensure we comply with our anti-money laundering and counter-terrorist financing obligations. We may also use your information to comply with any other applicable laws, regulations, codes of practice, guidelines or rules, or to assist in law enforcement and investigations conducted by any governmental and\/or regulatory authority.<\/p><p><strong>Direct Marketing <\/strong><\/p><p>Where you have indicated your consent for direct marketing purposes, we may use your information to keep you up to date concerning Alipay MS\u2019 Group Companies products and services, tell you about new products\/services or to ask about your experience with us.<\/p><p><strong>Monitoring <\/strong><\/p><p>We record all our telephone calls for security and training purposes as well as to verify your instructions to us.<\/p><p><strong>Legitimate Interests<\/strong><\/p><p>We may use your information if we consider it necessary to fulfil our legitimate interests \u2013 including but not limited to notify customers of changes to Alipay MS\u2019 products or services that may affect the customers, to administer and maintain our website for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes, and as part of our efforts to evaluate and improve our products and services or to keep our products and services safe and secure.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1123\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1123\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Who do we share your data with? <\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1123\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1123\"><p>Alipay MS Group Companies Alipay MS\u2019 system is accessible to Alipay MS Group Companies, which refer to companies owned (whether partially or wholly) by Ant Group, including but not limited to companies under the WorldFirst brand including by not limited to:<\/p><ul><li>World First UK Ltd (UK)<\/li><li>World First Netherlands B.V. (EU)<\/li><li>World First Pty Ltd (Australia)<\/li><li>World First Asia PTE Ltd (Singapore)<\/li><li>World First Japan K.K (Japan)<\/li><li>World First Asia Ltd (China &#8211; Hong Kong)<\/li><\/ul><p>We may also share information with other companies within Alipay MS\u2019 Group Companies to assist in the provision of services to you, to assist with compliance and anti-money laundering activities and for internal audit purposes. We will only share information in accordance with data protection laws and subject to strict controls on security and accessibility. The way information is accessed, processed and transmitted and our level of security remains consistent across Alipay MS\u2019 Group Companies.<\/p><p><strong>Banking Partners<\/strong><\/p><p>Alipay MS uses various banking partners around the world to ensure your payment can get to where it needs to go as quickly as possible. When you transact with Alipay MS, we may need to share your information with payment providers or banking partners outside of Singapore, such as intermediary or beneficiary banks \u2013 e.g. if you ask us to make a USD payment to China &#8211; Hong Kong the funds may be cleared through an intermediary bank in the US before reaching China &#8211; Hong Kong. For transparency, verification and legal requirements, we are required to include certain information on the payment which could include:<\/p><ul><li>Your name<\/li><li>Your date of birth<\/li><li>Your address<\/li><li>Beneficiary details<\/li><li>Your national identity reference (e.g. passport)<\/li><\/ul><p>In addition, where you use the services of a banking partner of ours, and\/or a banking partner requests us to provide certain data about you according to your authorization, we may share your data with such banking partner to provide the relevant banking services to you.<\/p><p><strong>Trusted Partners<\/strong><\/p><p>If one of our trusted partners introduced you to Alipay MS, we may provide them with your information to fulfil our contractual obligations with the partner.<\/p><p>We may also cooperate with trusted partners to provide financial services to you. In order to provide such financial services that are suitable for you, we may share your data and information with trusted partners to determine whether you are suitable for such services and accordingly your credit worthiness and your credit. We require trusted partners to undertake a strict confidentiality obligation and not to use your data that we share with them for any other purposes. We would also require trusted partners to adopt sufficient technical security measures to protect your data.<\/p><p>Additionally, we may share your details with a trusted partner for marketing purposes if you have given your consent to do so.<\/p><p><strong>Other Parties<\/strong><\/p><p>We may share your information with trusted companies providing services to us under confidentiality agreements or to companies that assist us in meeting our obligations to you and our regulators e.g. the processing of card transactions or the verification of documentation. These companies do not have any rights to market other services to you.<\/p><p>These trusted companies may be outside your country of residence or the Alipay MS entity you transact with. Alipay MS will always ensure that the company is based in a country with adequate data protections under their law, or that we impose contractual obligations or require them to be certified with a framework of protection deemed suitable by Alipay MS. Alipay MS performs due diligence to ensure third parties are compliant with applicable legal and contractual requirements.<\/p><p>If you are a seller on an e-commerce platform, we may share your information with those e-commerce platforms that are necessary to help detect and prevent fraud, money laundering, dealing in counterfeit goods and other criminal or abusive behavior.<\/p><p>Also, we may share your information with any person acting on your behalf provided that you have given us the permission to do so.<\/p><p><strong>Regulators and Law enforcement<\/strong><\/p><p>We may need to pass necessary information on to Governmental departments, regulatory bodies, law enforcement\/tax\/customs agencies, courts of law or other third parties where we are legally compelled to do so.<\/p><p>We will never sell any personal data that we hold about you.<\/p><p>Some of the entities to whom your information may be shared with are located outside of Singapore. In the event your information is disclosed to an entity located outside of Singapore, Alipay MS will 6 take all steps reasonably necessary to ensure that your Personal Data is transferred securely and in accordance with this Privacy Policy and applicable data protection laws, and that your Personal Data transferred will be provided a standard of protection that is comparable to that under Singapore\u2019s data protection laws.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1124\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1124\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long do we keep your personal information for?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1124\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1124\"><p>Alipay MS will only retain your information for as long as is necessary for providing our service to you and will not hold or process your information for any longer than we are legally required or permitted to. The criteria used to determine the appropriate retention includes:<\/p><ul><li>Regulatory requirements Alipay MS is subject to<\/li><li>Whether a legal claim could be brought against Alipay MS<\/li><li>Necessity of information to provide our service to our customers<\/li><li>The legal basis for processing your information \u2013 e.g. consent<\/li><\/ul><p>Information about connected parties and beneficiaries, which may not belong to a Alipay MS client, are stored for a period to comply with applicable legal requirements.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1125\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1125\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Communication<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1125\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1125\"><p>We communicate with you on a regular basis via email and phone to provide customer service and fulfil requests.<\/p><p>Additionally, we use your email address, phone number and postal address to:<\/p><ul><li>Provide notification as part of the on-boarding and trading lifecycle<\/li><li>Send you important changes to our products and services<\/li><li>Send notices and disclosures required by law<\/li><\/ul><p>Due to the nature of these communications, if you choose to opt out of receiving these, you may not be able to continue using Alipay MS\u2019 services<\/p><p><strong>Marketing<\/strong><\/p><p>Alipay MS Group Companies would like to keep you up to date concerning our products and services.<\/p><p>Once you become a client of Alipay MS, we will request your consent for Alipay MS Group Companies to use your information to provide you with product information, rate and market updates that are relevant to you and\/or your company.<\/p><p>For visitors to our website, if you consent to receiving marketing materials from Alipay MS Group Companies, we may also use your information to keep you up to date on general products, market updates or rate movements.<\/p><p>If you change your mind on the types of marketing communications you would like to receive or how you would like to receive them or you decide that you do not wish to receive these types of communications, you can unsubscribe at any time by:<\/p><ul><li>emailing privacy@worldfirst.com;<\/li><li>managing your preferences through the WFO trading platform, if you are a registered user; or<\/li><li>clicking the link at the bottom of any email that you receive.<\/li><\/ul><p>You will not miss out on any service we provide by not choosing to receive marketing communications from us and you can change your mind whenever you like and as often as you like.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1126\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1126\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are your rights?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1126\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1126\"><p>We recognize and support the rights outlined below. If you would like to exercise any of the below rights then please contact Privacy Office (privacy@worldfirst.com) and we will respond to your request.<\/p><p>We will require you to provide proof of identity and to provide sufficient information to allow us to locate relevant information and in order to verify that the person making the request is the account holder or acting with their permission.If we cannot verify your identity or authority to make the request and\/or confirm the Personal Data belongs to you, we would not be able to respond to your request. We will notify you to explain the basis of the denial.<\/p><p>Non-registered users (e.g. website users, connected parties and beneficiaries of payments) can also contact Alipay MS to request these.<\/p><p>For more information about your rights, please visit your local data protection regulator\u2019s website.<\/p><p><strong>To ask for information that Alipay MS holds about you to be corrected. <\/strong><\/p><p>If you notice any of the information on your account is incorrect, you can contact us and we will make any necessary changes, subject to verification of the information.<\/p><p><strong>To ask for a copy of the information Alipay MS holds about you <\/strong><\/p><p>You have the right to request details of the information we hold about you, a description of that data, the purposes for which it is being used and any parties with which we share your information. Where we are legally required or permitted to, we may decline your request or part of your request, but we will provide an explanation with the response. Please note that we may charge a reasonable fee for an access request to cover our administrative costs of providing the information in certain situations. If so, we will inform you of the fee before we proceed with your request.<\/p><p><strong>To ask Alipay MS not to further process your information. <\/strong><\/p><p>If you make a request for us to stop processing your information, we will investigate to see if there is any compelling reason for processing to continue and will discuss the conclusion of the investigation with you.<\/p><p>We would not be able to accede to your request if we require your information to comply with our legal or regulatory obligations or if the processing of your information is necessary for us to comply with our contractual obligations under a contract to which you are a party. 8<\/p><p>Please also note that while you have a right to withdraw your consent to us processing your information at any time (where the processing is based on your consent) by contacting us using the details below, your withdrawal may prevent us from further providing all or part of ourservices to you.<\/p><p>However, you can withdraw your consent to us processing your information for marketing communications at any time. Please see the marketing section for more details.<\/p><p><strong>To ask not to be subject to solely automated decision making and profiling <\/strong><\/p><p>Alipay MS puts people first. There will not be any scenarios in which profiling or automated decision making will have a legal impact on you without a person reviewing or making a decision on the result. If you feel you may have been unfairly impacted, please contact us to discuss this further.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1127\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1127\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Security<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1127\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1127\"><p>We store all data electronically and physically in a secure manner to protect its confidentiality, integrity and availability. Data is stored on servers which are protected by actively maintained firewalls. We make use of up-to-date anti-virus software and our servers have restricted access.<\/p><p>If you provide paper-based documentation for the purpose of identity verification these will be stored electronically and the original will be destroyed securely or returned to you.<\/p><p>Transmission of data on the internet can never be completely secure. We do not and cannot guarantee the security of information collected or transmitted electronically however, we take reasonable care to safeguard your Personal Data.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1128\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1128\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What if am unhappy?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1128\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1128\"><p>If at any time you are not happy with how we handle your Personal Data, please contact us (information below).<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1129\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1129\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Contact us<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1129\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1129\"><p>If you have any queries or feedback on our Privacy Policy or if you would like to make any request, please contact our Privacy Office by sending an email to privacy@worldfirst.com.<\/p><div id=\"awebChromeHelper\">\u00a0<\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What information do we collect? and how do we collect it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Information you provide to us<\\\/strong><\\\/p><p>To open an account or use Alipay MS services, you will be asked to provide identifying information about yourself (e.g. name, address, and email address), your company and documents to verify the information provided \\u2013 such as, a copy or record of your identity cards, passport or other travel document information, your proof of address, occupation, nationality, country of birth, source of funding, source of wealth and\\\/or other information from checks, credit cards, bank statements.<\\\/p><p>In order to make payments, you will be asked to provide the information required to facilitate the payment \\u2013 e.g. beneficiary information, bank account details and source of funds.<\\\/p><p>Through the course of our business relationship, we may ask for additional evidence in order for us to comply with our legal obligations \\u2013 e.g. anti-money laundering regulations. These can include, but are not limited to, documents required to verify any information provided or evidence of source of funds.Transactional information<\\\/p><p><strong>Information we collect when you use our website or app<\\\/strong><\\\/p><p>Our website uses cookies to provide you with a better experience on our website, for fraud prevention and to provide internet-based advertisements such as banner advertisement on the website or app. For detailed information on the cookies we use and the purposes for which we use them, please see our full Cookie policy.<\\\/p><p>Alipay MS user community participants will have their sessions recorded to allow us to capture the feedback to improve our services and help with the development of new products. This will always be based on your consent, which you can withdraw at any time.<\\\/p><p>For the detection and prevention of fraud and cyber-crime, we will collect information, including session, device and IP address to help ascertain the legitimacy of the account login.<\\\/p><p><strong>Public information<\\\/strong><\\\/p><p>For non-registered users, we may contact you using publicly available information or information from third parties, which you have consented to being shared, to let you know about products that could be relevant for your business.<\\\/p><p><strong>Transactional information<\\\/strong><\\\/p><p>Once your account is fully set up and you begin to transact with us we will collect, process and store your Alipay MS financial and transactional information. This information includes the amount, currency, type of transaction, source of funds, exchange rate, recipient name and bank details.<\\\/p><p><strong>Information about you that we receive from third parties<\\\/strong><\\\/p><p>To protect ourselves and our customers against fraud, we verify the information you provide with antifraud agencies and electronic identity verification services. In the course of verification, we receive and process information about you from such services. This may include the collection of biometric information (via facial recognition technologies) used for real identity verification and authentication purposes.<\\\/p><p>Information may also be collected from credit reference agencies.<\\\/p><p><strong>Communications<\\\/strong><\\\/p><p>All calls are recorded and correspondence retained for the purposes of quality control and training, as evidence of transactions and to fulfill regulation requirements. Any information you disclose to us will be held on these recordings. Generally, we will inform you that we are carrying out the recording of the calls.<\\\/p><p><strong>Individuals who are not registered users of Alipay MS<\\\/strong><\\\/p><p><u>Connected parties<\\\/u><\\\/p><p>Alipay MS will collect information about connected parties to a Alipay MS client during the course of the business relationship with the client to comply with our legal obligations &#8211; e.g. directors or shareholders of a company. Where customers provide this information, they are required to bring this Privacy Policy to the attention of the individuals concerned.<\\\/p><p><u>Beneficiaries<\\\/u><\\\/p><p>Alipay MS will collect information required to be able to send a payment to an individual, who may not be a Alipay MS client from its customer. This information includes name and bank account details that are required by Alipay MS to process the payment. Where customers provide this information, they warrant that the individual has been informed of the purpose for which his\\\/her information is collected and has consented to the disclosure of his\\\/her information to Alipay MS.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"What do we use your information for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We collect, use and disclose your Personal Data for a number of reasons, including:<\\\/p><p><strong>Registration and administration<\\\/strong><\\\/p><p>We use your information to enable you to register with us. Once you have an account with us we will use your details to contact you and to reply to any queries or requests. We may use your information in the administration of your account, which includes us contacting you in order to update your account details (this assists us with keeping our records as up to date as possible) or in order to notify you of changes or improvements to our products or services that may affect our service to you.<\\\/p><p><strong>Our products and services<\\\/strong><\\\/p><p>We use your information in order to supply our products and services to you and to meet our contractual obligations to you. Additionally, we may need to notify you of any changes relating to our products and services.<\\\/p><p><strong>Prevention and detection of crime <\\\/strong><\\\/p><p>We are subject to strict anti-money laundering and counter-terrorist financing regulations which requires us to undertake due diligence on our customers and their beneficiaries. This may include the conduct of soft searches through an identity-referencing agency and through other sources of information and the use of scoring methods to identify risk and to verify identity. These activities may involve the use of electronic verification tools (such as, facial recognition technologies) and the collection of biometric data. As part of our verification requirements we may also require copies of identification documents and proof of address.<\\\/p><p>We may require additional documentation and information from time to time throughout the course of our business relationship with you to ensure we comply with our anti-money laundering and counter-terrorist financing obligations. We may also use your information to comply with any other applicable laws, regulations, codes of practice, guidelines or rules, or to assist in law enforcement and investigations conducted by any governmental and\\\/or regulatory authority.<\\\/p><p><strong>Direct Marketing <\\\/strong><\\\/p><p>Where you have indicated your consent for direct marketing purposes, we may use your information to keep you up to date concerning Alipay MS\\u2019 Group Companies products and services, tell you about new products\\\/services or to ask about your experience with us.<\\\/p><p><strong>Monitoring <\\\/strong><\\\/p><p>We record all our telephone calls for security and training purposes as well as to verify your instructions to us.<\\\/p><p><strong>Legitimate Interests<\\\/strong><\\\/p><p>We may use your information if we consider it necessary to fulfil our legitimate interests \\u2013 including but not limited to notify customers of changes to Alipay MS\\u2019 products or services that may affect the customers, to administer and maintain our website for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes, and as part of our efforts to evaluate and improve our products and services or to keep our products and services safe and secure.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"Who do we share your data with?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Alipay MS Group Companies Alipay MS\\u2019 system is accessible to Alipay MS Group Companies, which refer to companies owned (whether partially or wholly) by Ant Group, including but not limited to companies under the WorldFirst brand including by not limited to:<\\\/p><ul><li>World First UK Ltd (UK)<\\\/li><li>World First Netherlands B.V. (EU)<\\\/li><li>World First Pty Ltd (Australia)<\\\/li><li>World First Asia PTE Ltd (Singapore)<\\\/li><li>World First Japan K.K (Japan)<\\\/li><li>World First Asia Ltd (China &#8211; Hong Kong)<\\\/li><\\\/ul><p>We may also share information with other companies within Alipay MS\\u2019 Group Companies to assist in the provision of services to you, to assist with compliance and anti-money laundering activities and for internal audit purposes. We will only share information in accordance with data protection laws and subject to strict controls on security and accessibility. The way information is accessed, processed and transmitted and our level of security remains consistent across Alipay MS\\u2019 Group Companies.<\\\/p><p><strong>Banking Partners<\\\/strong><\\\/p><p>Alipay MS uses various banking partners around the world to ensure your payment can get to where it needs to go as quickly as possible. When you transact with Alipay MS, we may need to share your information with payment providers or banking partners outside of Singapore, such as intermediary or beneficiary banks \\u2013 e.g. if you ask us to make a USD payment to China &#8211; Hong Kong the funds may be cleared through an intermediary bank in the US before reaching China &#8211; Hong Kong. For transparency, verification and legal requirements, we are required to include certain information on the payment which could include:<\\\/p><ul><li>Your name<\\\/li><li>Your date of birth<\\\/li><li>Your address<\\\/li><li>Beneficiary details<\\\/li><li>Your national identity reference (e.g. passport)<\\\/li><\\\/ul><p>In addition, where you use the services of a banking partner of ours, and\\\/or a banking partner requests us to provide certain data about you according to your authorization, we may share your data with such banking partner to provide the relevant banking services to you.<\\\/p><p><strong>Trusted Partners<\\\/strong><\\\/p><p>If one of our trusted partners introduced you to Alipay MS, we may provide them with your information to fulfil our contractual obligations with the partner.<\\\/p><p>We may also cooperate with trusted partners to provide financial services to you. In order to provide such financial services that are suitable for you, we may share your data and information with trusted partners to determine whether you are suitable for such services and accordingly your credit worthiness and your credit. We require trusted partners to undertake a strict confidentiality obligation and not to use your data that we share with them for any other purposes. We would also require trusted partners to adopt sufficient technical security measures to protect your data.<\\\/p><p>Additionally, we may share your details with a trusted partner for marketing purposes if you have given your consent to do so.<\\\/p><p><strong>Other Parties<\\\/strong><\\\/p><p>We may share your information with trusted companies providing services to us under confidentiality agreements or to companies that assist us in meeting our obligations to you and our regulators e.g. the processing of card transactions or the verification of documentation. These companies do not have any rights to market other services to you.<\\\/p><p>These trusted companies may be outside your country of residence or the Alipay MS entity you transact with. Alipay MS will always ensure that the company is based in a country with adequate data protections under their law, or that we impose contractual obligations or require them to be certified with a framework of protection deemed suitable by Alipay MS. Alipay MS performs due diligence to ensure third parties are compliant with applicable legal and contractual requirements.<\\\/p><p>If you are a seller on an e-commerce platform, we may share your information with those e-commerce platforms that are necessary to help detect and prevent fraud, money laundering, dealing in counterfeit goods and other criminal or abusive behavior.<\\\/p><p>Also, we may share your information with any person acting on your behalf provided that you have given us the permission to do so.<\\\/p><p><strong>Regulators and Law enforcement<\\\/strong><\\\/p><p>We may need to pass necessary information on to Governmental departments, regulatory bodies, law enforcement\\\/tax\\\/customs agencies, courts of law or other third parties where we are legally compelled to do so.<\\\/p><p>We will never sell any personal data that we hold about you.<\\\/p><p>Some of the entities to whom your information may be shared with are located outside of Singapore. In the event your information is disclosed to an entity located outside of Singapore, Alipay MS will 6 take all steps reasonably necessary to ensure that your Personal Data is transferred securely and in accordance with this Privacy Policy and applicable data protection laws, and that your Personal Data transferred will be provided a standard of protection that is comparable to that under Singapore\\u2019s data protection laws.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"How long do we keep your personal information for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Alipay MS will only retain your information for as long as is necessary for providing our service to you and will not hold or process your information for any longer than we are legally required or permitted to. The criteria used to determine the appropriate retention includes:<\\\/p><ul><li>Regulatory requirements Alipay MS is subject to<\\\/li><li>Whether a legal claim could be brought against Alipay MS<\\\/li><li>Necessity of information to provide our service to our customers<\\\/li><li>The legal basis for processing your information \\u2013 e.g. consent<\\\/li><\\\/ul><p>Information about connected parties and beneficiaries, which may not belong to a Alipay MS client, are stored for a period to comply with applicable legal requirements.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"Communication\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We communicate with you on a regular basis via email and phone to provide customer service and fulfil requests.<\\\/p><p>Additionally, we use your email address, phone number and postal address to:<\\\/p><ul><li>Provide notification as part of the on-boarding and trading lifecycle<\\\/li><li>Send you important changes to our products and services<\\\/li><li>Send notices and disclosures required by law<\\\/li><\\\/ul><p>Due to the nature of these communications, if you choose to opt out of receiving these, you may not be able to continue using Alipay MS\\u2019 services<\\\/p><p><strong>Marketing<\\\/strong><\\\/p><p>Alipay MS Group Companies would like to keep you up to date concerning our products and services.<\\\/p><p>Once you become a client of Alipay MS, we will request your consent for Alipay MS Group Companies to use your information to provide you with product information, rate and market updates that are relevant to you and\\\/or your company.<\\\/p><p>For visitors to our website, if you consent to receiving marketing materials from Alipay MS Group Companies, we may also use your information to keep you up to date on general products, market updates or rate movements.<\\\/p><p>If you change your mind on the types of marketing communications you would like to receive or how you would like to receive them or you decide that you do not wish to receive these types of communications, you can unsubscribe at any time by:<\\\/p><ul><li>emailing privacy@worldfirst.com;<\\\/li><li>managing your preferences through the WFO trading platform, if you are a registered user; or<\\\/li><li>clicking the link at the bottom of any email that you receive.<\\\/li><\\\/ul><p>You will not miss out on any service we provide by not choosing to receive marketing communications from us and you can change your mind whenever you like and as often as you like.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"What are your rights?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We recognize and support the rights outlined below. If you would like to exercise any of the below rights then please contact Privacy Office (privacy@worldfirst.com) and we will respond to your request.<\\\/p><p>We will require you to provide proof of identity and to provide sufficient information to allow us to locate relevant information and in order to verify that the person making the request is the account holder or acting with their permission.If we cannot verify your identity or authority to make the request and\\\/or confirm the Personal Data belongs to you, we would not be able to respond to your request. We will notify you to explain the basis of the denial.<\\\/p><p>Non-registered users (e.g. website users, connected parties and beneficiaries of payments) can also contact Alipay MS to request these.<\\\/p><p>For more information about your rights, please visit your local data protection regulator\\u2019s website.<\\\/p><p><strong>To ask for information that Alipay MS holds about you to be corrected. <\\\/strong><\\\/p><p>If you notice any of the information on your account is incorrect, you can contact us and we will make any necessary changes, subject to verification of the information.<\\\/p><p><strong>To ask for a copy of the information Alipay MS holds about you <\\\/strong><\\\/p><p>You have the right to request details of the information we hold about you, a description of that data, the purposes for which it is being used and any parties with which we share your information. Where we are legally required or permitted to, we may decline your request or part of your request, but we will provide an explanation with the response. Please note that we may charge a reasonable fee for an access request to cover our administrative costs of providing the information in certain situations. If so, we will inform you of the fee before we proceed with your request.<\\\/p><p><strong>To ask Alipay MS not to further process your information. <\\\/strong><\\\/p><p>If you make a request for us to stop processing your information, we will investigate to see if there is any compelling reason for processing to continue and will discuss the conclusion of the investigation with you.<\\\/p><p>We would not be able to accede to your request if we require your information to comply with our legal or regulatory obligations or if the processing of your information is necessary for us to comply with our contractual obligations under a contract to which you are a party. 8<\\\/p><p>Please also note that while you have a right to withdraw your consent to us processing your information at any time (where the processing is based on your consent) by contacting us using the details below, your withdrawal may prevent us from further providing all or part of ourservices to you.<\\\/p><p>However, you can withdraw your consent to us processing your information for marketing communications at any time. Please see the marketing section for more details.<\\\/p><p><strong>To ask not to be subject to solely automated decision making and profiling <\\\/strong><\\\/p><p>Alipay MS puts people first. There will not be any scenarios in which profiling or automated decision making will have a legal impact on you without a person reviewing or making a decision on the result. If you feel you may have been unfairly impacted, please contact us to discuss this further.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"Security\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>We store all data electronically and physically in a secure manner to protect its confidentiality, integrity and availability. Data is stored on servers which are protected by actively maintained firewalls. We make use of up-to-date anti-virus software and our servers have restricted access.<\\\/p><p>If you provide paper-based documentation for the purpose of identity verification these will be stored electronically and the original will be destroyed securely or returned to you.<\\\/p><p>Transmission of data on the internet can never be completely secure. We do not and cannot guarantee the security of information collected or transmitted electronically however, we take reasonable care to safeguard your Personal Data.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"What if am unhappy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If at any time you are not happy with how we handle your Personal Data, please contact us (information below).<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}},{\"@type\":\"Question\",\"name\":\"Contact us\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>If you have any queries or feedback on our Privacy Policy or if you would like to make any request, please contact our Privacy Office by sending an email to privacy@worldfirst.com.<\\\/p><div id=\\\"awebChromeHelper\\\">\\u00a0<\\\/div>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de65fef elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"de65fef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>5. Verilerinizi kimlerle payla\u015f\u0131yoruz?<\/h3><p>Ki\u015fisel verilerinizi di\u011fer \u015firketlerle yaln\u0131zca y\u00fcr\u00fcrl\u00fckteki veri koruma yasalar\u0131na uygun olarak payla\u015faca\u011f\u0131z.<\/p><h4>WorldFirst MS \u015eirketleri<\/h4><p><strong>\u201cWorldFirst MS Grup \u015eirketleri\u201d<\/strong>, a\u015fa\u011f\u0131da listelenen \u015firketler dahil ancak bunlarla s\u0131n\u0131rl\u0131 olmamak \u00fczere, Ant Group&#8217;a ait olan (k\u0131smen veya tamamen) \u015firketleri ifade eder:<\/p><ul><li>World First UK Ltd (Birle\u015fik Krall\u0131k)<\/li><li>World First Netherlands B.V. (Avrupa Birli\u011fi)<\/li><li>World First Pty Ltd (Avustralya)<\/li><li>World First Asia PTE Ltd (Singapur)<\/li><li>World First Japan K.K (Japonya)<\/li><li>World First Asia Limited (\u00c7in \u2013 Hong Kong)<\/li><li>WorldFirst Digital Technology Pte. Ltd (Singapur)<\/li><\/ul><p>Bu <strong>WorldFirst MS<\/strong> Grup \u015eirketleri, yedekleme ama\u00e7lar\u0131 dahil olmak \u00fczere size hizmet sunulmas\u0131na yard\u0131mc\u0131 olmak, uyum ve kara para aklamay\u0131 \u00f6nleme faaliyetlerine yard\u0131mc\u0131 olmak ve i\u00e7 denetim ile risk kontrol\u00fc ama\u00e7lar\u0131 do\u011frultusunda <strong>B\u00f6l\u00fcm 3<\/strong>&#8216;te yer alan ki\u015fisel veri kategorilerinize eri\u015fecek ve bunlar\u0131 i\u015fleyecektir. Bununla birlikte, bilgilere eri\u015fim, bilgilerin i\u015flenmesi ve iletilmesi \u015fekli ile g\u00fcvenlik d\u00fczeyimiz t\u00fcm <strong>WorldFirst MS<\/strong> Grup \u015eirketlerinde tutarl\u0131 kalmaktad\u0131r.<\/p><h4>Bankac\u0131l\u0131k Ortaklar\u0131<\/h4><p><strong>WorldFirst MS<\/strong>, \u00f6demenizin gitmesi gereken yere m\u00fcmk\u00fcn oldu\u011funca h\u0131zl\u0131 bir \u015fekilde ula\u015fmas\u0131n\u0131 sa\u011flamak i\u00e7in d\u00fcnya \u00e7ap\u0131nda \u00e7e\u015fitli bankac\u0131l\u0131k ortaklar\u0131 kullan\u0131r. <strong>WorldFirst MS<\/strong> ile i\u015flem yapt\u0131\u011f\u0131n\u0131zda, ki\u015fisel verilerinizi Singapur d\u0131\u015f\u0131ndakiler de dahil olmak \u00fczere arac\u0131 veya al\u0131c\u0131 bankalar gibi \u00f6deme sa\u011flay\u0131c\u0131lar\u0131 veya bankac\u0131l\u0131k ortaklar\u0131yla payla\u015fmam\u0131z gerekecektir \u2013 \u00f6rn. bizden \u00c7in&#8217;e bir USD \u00f6demesi yapmam\u0131z\u0131 isterseniz, fonlar \u00c7in&#8217;e ula\u015fmadan \u00f6nce Amerika Birle\u015fik Devletleri&#8217;ndeki bir arac\u0131 banka arac\u0131l\u0131\u011f\u0131yla takas edilebilir.<\/p><p>\u015eeffafl\u0131k, do\u011frulama ve yasal gereklilikler nedeniyle, \u00f6demeye belirli bilgileri dahil etmemiz gerekmektedir; bunlar \u015funlar\u0131 i\u00e7erebilir: Hesap Bilgileri, \u00d6deyen\/\u00d6deme Alan Bilgileri, Kimlik Bilgileri, KYB\/AML Bilgileri ve Ba\u011flant\u0131l\u0131 Taraf Bilgileri.<\/p><p>Buna ek olarak, bir bankac\u0131l\u0131k orta\u011f\u0131m\u0131z\u0131n hizmetlerini kulland\u0131\u011f\u0131n\u0131zda ve\/veya bir bankac\u0131l\u0131k orta\u011f\u0131 yetkilendirmeniz uyar\u0131nca hakk\u0131n\u0131zda belirli verileri sa\u011flamam\u0131z\u0131 talep etti\u011finde, size ilgili bankac\u0131l\u0131k hizmetlerini sunmak amac\u0131yla ki\u015fisel verilerinizi s\u00f6z konusu bankac\u0131l\u0131k orta\u011f\u0131yla payla\u015fabiliriz.<\/p><h4>G\u00fcvenilir Ortaklar<\/h4><p>\u00dcye i\u015fyerlerini ve kat\u0131l\u0131mc\u0131lar\u0131 taraf\u0131m\u0131zca sunulan hizmetlere ve platformlara y\u00f6nlendiren belirli platformlarla \u00e7al\u0131\u015f\u0131yoruz. G\u00fcvenilir ortaklar\u0131m\u0131zdan biri sizi bizimle tan\u0131\u015ft\u0131rd\u0131ysa, ortakla olan s\u00f6zle\u015fme y\u00fck\u00fcml\u00fcl\u00fcklerimizi yerine getirmek i\u00e7in gerekli olan ki\u015fisel verilerinizi onlara sa\u011flayabiliriz.<\/p><p>Size katma de\u011ferli hizmetler sunmak i\u00e7in g\u00fcvenilir ortaklarla da i\u015f birli\u011fi yapabiliriz. Bu t\u00fcr katma de\u011ferli hizmetler, s\u0131n\u0131rland\u0131r\u0131lmamak kayd\u0131yla, belirlenen e-ticaret platformunda bir ma\u011faza a\u00e7man\u0131za ve y\u00f6netmenize yard\u0131mc\u0131 olmay\u0131 veya g\u00fcvenilir ortaklar\u0131m\u0131z taraf\u0131ndan sa\u011flanan finansal hizmetlere y\u00f6nelik ba\u015fvurunuzu desteklemeyi i\u00e7erebilir. Hizmetlerine uygun olup olmad\u0131\u011f\u0131n\u0131z\u0131 de\u011ferlendirmeleri ve belirlemeleri ile doland\u0131r\u0131c\u0131l\u0131k, kara para aklama ve di\u011fer cezai veya suistimal edici davran\u0131\u015flar\u0131 tespit edip \u00f6nlemelerine yard\u0131mc\u0131 olmak amac\u0131yla ki\u015fisel verilerinizi bu t\u00fcr g\u00fcvenilir ortaklarla payla\u015fabiliriz. G\u00fcvenilir ortaklar\u0131n s\u0131k\u0131 bir gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc \u00fcstlenmelerini ve onlarla payla\u015ft\u0131\u011f\u0131m\u0131z verilerinizi ba\u015fka hi\u00e7bir ama\u00e7la kullanmamalar\u0131n\u0131 \u015fart ko\u015fuyoruz. Ayr\u0131ca g\u00fcvenilir ortaklar\u0131n verilerinizi korumak i\u00e7in yeterli teknik g\u00fcvenlik \u00f6nlemlerini almalar\u0131n\u0131 da \u015fart ko\u015fuyoruz.<\/p><p>Ayr\u0131ca, y\u00fcr\u00fcrl\u00fckteki yasalar uyar\u0131nca r\u0131za g\u00f6stermi\u015f olman\u0131z kayd\u0131yla, do\u011frudan pazarlama ama\u00e7lar\u0131 do\u011frultusunda ileti\u015fim bilgilerinizi g\u00fcvenilir bir ortakla payla\u015fabiliriz. Do\u011frudan pazarlamadan istedi\u011finiz zaman \u00e7\u0131kabilir veya ki\u015fisel tercihlerinizi ayarlayabilirsiniz.<\/p><h4>Reklam Sa\u011flay\u0131c\u0131lar\u0131<\/h4><p>Ki\u015fisel verileri, sosyal medya platformlar\u0131, reklam a\u011flar\u0131 ve AdTech \u015firketleri dahil olmak \u00fczere pazarlama faaliyetlerimize yard\u0131mc\u0131 olan \u015firketlerle payla\u015fabiliriz. Bu durum, sizinle daha ilgili olabilecek ilgi alan\u0131na dayal\u0131 reklamlar sunmam\u0131za olanak tan\u0131r.<\/p><h4>M\u00fcteahhitler, Profesyonel Dan\u0131\u015fmanlar ve Hizmet Sa\u011flay\u0131c\u0131lar<\/h4><p><strong>B\u00f6l\u00fcm 3<\/strong>&#8216;te tan\u0131mlanan her t\u00fcrl\u00fc ki\u015fisel veriyi; \u00fcr\u00fcn ve hizmetlerimizin i\u015fletilmesi veya bak\u0131m\u0131 ile ba\u011flant\u0131l\u0131 olarak bize idari, m\u00fc\u015fteri deste\u011fi, telekom\u00fcnikasyon, bilgi i\u015flem, havale, \u00f6zge\u00e7mi\u015f kontrolleri, web bar\u0131nd\u0131rma, pazarlama ve reklam hizmetleri, denetim ve uyum, kimlik do\u011frulama veya di\u011fer hizmetleri sa\u011flayan m\u00fcteahhitlerimiz, profesyonel dan\u0131\u015fmanlar\u0131m\u0131z ve \u00fc\u00e7\u00fcnc\u00fc taraf hizmet sa\u011flay\u0131c\u0131lar\u0131m\u0131zla payla\u015fabiliriz. Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 veya veri g\u00fcvenli\u011fi a\u00e7\u0131klar\u0131n\u0131 tespit etmeye ve bunlara kar\u015f\u0131 korunmaya yard\u0131mc\u0131 olmalar\u0131 i\u00e7in verilerinizi sat\u0131c\u0131larla da payla\u015fabiliriz.<\/p><h4>D\u00fczenleyici kurumlar ve kolluk kuvvetleri<\/h4><p>Bir mahkeme celbine, benzer bir yasal s\u00fcrece veya devlet talebine uymak i\u00e7in yasalar\u0131n gerektirdi\u011fi veya izin verdi\u011fi durumlarda ya da if\u015fan\u0131n yasal olarak gerekli oldu\u011funa veya kolluk kuvvetleri ile adli ve d\u00fczenleyici makamlar dahil olmak \u00fczere ba\u015fkalar\u0131n\u0131n haklar\u0131n\u0131 ve m\u00fclkiyetini ya da g\u00fcvenli\u011fini korumak i\u00e7in ba\u015fka bir \u015fekilde gerekli oldu\u011funa iyi niyetle inand\u0131\u011f\u0131m\u0131zda ki\u015fisel verilerinizi payla\u015fabiliriz. Bu, yukar\u0131daki <strong>B\u00f6l\u00fcm 3<\/strong>&#8216;te tan\u0131mlanan t\u00fcm ki\u015fisel verileri i\u00e7erebilir.<\/p><h4>Di\u011fer Taraflar<\/h4><p>Ki\u015fisel verilerinizi, varl\u0131klar\u0131m\u0131z\u0131n tamam\u0131n\u0131n veya bir k\u0131sm\u0131n\u0131n sat\u0131lmas\u0131 durumu dahil olmak \u00fczere, bizimle ger\u00e7ekle\u015ftirilecek herhangi bir birle\u015fme, devralma, kurumsal yeniden yap\u0131lanma veya finansman ya da benzer bir i\u015fleme dahil olan fiili veya \u00f6nerilen kurulu\u015flarla payla\u015fabiliriz. <strong>B\u00f6l\u00fcm 3<\/strong>&#8216;te yer alan t\u00fcm ki\u015fisel veri kategorileri, ticari ihtiya\u00e7lar\u0131m\u0131za ve kurumsal i\u015flemin t\u00fcr\u00fcne ba\u011fl\u0131 olarak bilmesi gerekenler temelinde if\u015fa edilebilir.<\/p><p>Ayr\u0131ca, bize bu y\u00f6nde izin vermi\u015f olman\u0131z kayd\u0131yla, bilgilerinizi ad\u0131n\u0131za hareket eden herhangi bir ki\u015fiyle payla\u015fabiliriz.<\/p><p>\u00a0<\/p><h3>6. Ki\u015fisel verilerinizin Singapur d\u0131\u015f\u0131na aktar\u0131lmas\u0131<\/h3><p>Faaliyetlerimiz; yukar\u0131daki <strong>B\u00f6l\u00fcm 5<\/strong>&#8216;te tan\u0131mland\u0131\u011f\u0131 \u00fczere, \u00fc\u00e7\u00fcnc\u00fc taraf hizmet sa\u011flay\u0131c\u0131lar da dahil olmak \u00fczere bilgisayarlar, sunucular ve di\u011fer altyap\u0131 ile bilgi teknolojilerinden olu\u015fan bir a\u011f taraf\u0131ndan desteklenmektedir. Bunlar\u0131n baz\u0131lar\u0131 Singapur d\u0131\u015f\u0131ndaki \u00fclke ve b\u00f6lgelerde kuruludur. Yukar\u0131daki <strong>B\u00f6l\u00fcm 3<\/strong>&#8216;te tan\u0131mlanan ki\u015fisel verileriniz, y\u00fcr\u00fcrl\u00fckteki veri koruma ve gizlilik yasalar\u0131 ile d\u00fczenlemelerinin izin verdi\u011fi \u015fekilde, a\u015fa\u011f\u0131dakiler dahil ancak bunlarla s\u0131n\u0131rl\u0131 olmamak \u00fczere Singapur d\u0131\u015f\u0131ndaki \u00fclke ve b\u00f6lgelere aktar\u0131lmaktad\u0131r: Avustralya, Japonya, Hollanda, Birle\u015fik Krall\u0131k, Amerika Birle\u015fik Devletleri, Hong Kong ve \u00c7in ana karas\u0131 ile Malezya.<\/p><p>Her \u00fclkenin \/ b\u00f6lgenin yasalar\u0131 ve gizlilik d\u00fczenlemeleri Singapur&#8217;dan farkl\u0131 olabilir. Verilerinizi Singapur d\u0131\u015f\u0131nda payla\u015ft\u0131\u011f\u0131m\u0131z veya aktard\u0131\u011f\u0131m\u0131z durumlarda, al\u0131c\u0131n\u0131n yerel yasalar kapsam\u0131nda yeterli veri korumas\u0131na sahip bir \u00fclke veya b\u00f6lgede yerle\u015fik olmas\u0131n\u0131 sa\u011flayaca\u011f\u0131z veya aksi takdirde s\u00f6zle\u015fme y\u00fck\u00fcml\u00fcl\u00fckleri getirece\u011fiz ya da al\u0131c\u0131n\u0131n WorldFirst MS taraf\u0131ndan uygun g\u00f6r\u00fclen bir koruma \u00e7er\u00e7evesi ile sertifikaland\u0131r\u0131lmas\u0131n\u0131 \u015fart ko\u015faca\u011f\u0131z.<\/p><p>\u00a0<\/p><h3>7. Ki\u015fisel verilerinizi ne kadar s\u00fcreyle sakl\u0131yoruz?<\/h3><p>WorldFirst MS, ki\u015fisel verilerinizi yaln\u0131zca toplama ama\u00e7lar\u0131m\u0131z i\u00e7in gerekli oldu\u011fu s\u00fcrece saklayacak ve ki\u015fisel verilerinizi yasal olarak izin verilenden daha uzun bir s\u00fcre tutmayacak veya i\u015flemeyecektir. Uygun saklama s\u00fcrelerini belirlemek i\u00e7in kullan\u0131lan kriterler \u015funlar\u0131 i\u00e7erir:<\/p><ul><li>WorldFirst MS&#8217;in tabi oldu\u011fu d\u00fczenleyici gereklilikler<\/li><li>Zamana\u015f\u0131m\u0131 s\u00fcreleri ve WorldFirst MS&#8217;e kar\u015f\u0131 yasal taleplerde bulunulup bulunulamayaca\u011f\u0131<\/li><li>M\u00fc\u015fterilerimize hizmetimizi sunabilmek i\u00e7in veya size bildirdi\u011fimiz toplama ama\u00e7lar\u0131 do\u011frultusunda bilginin gereklili\u011fi<\/li><li>\u0130\u015flenen ki\u015fisel veri t\u00fcrleri<\/li><li>Ki\u015fisel verilerinizi i\u015flemenin yasal dayana\u011f\u0131 \u2013 \u00f6rn. r\u0131za<\/li><\/ul><p>Bir WorldFirst MS m\u00fc\u015fterisine ait olmayabilecek ba\u011flant\u0131l\u0131 taraflar ve faydalan\u0131c\u0131lar hakk\u0131ndaki bilgiler, y\u00fcr\u00fcrl\u00fckteki yasal gerekliliklere uymak amac\u0131yla bir s\u00fcre boyunca saklan\u0131r.<\/p><p>\u00a0<\/p><h3>8. Do\u011frudan pazarlama<\/h3><p>\u0130ster kay\u0131tl\u0131 bir WorldFirst MS kullan\u0131c\u0131s\u0131 olun, ister web sitemizi ziyaret eden biri olun, WorldFirst MS Grup \u015eirketleri, r\u0131zan\u0131zla, \u00fcr\u00fcnlerimiz, piyasa veya d\u00f6viz kurlar\u0131 ve piyasa g\u00fcncellemeleri hakk\u0131nda sizi g\u00fcncel tutmak amac\u0131yla do\u011frudan pazarlama faaliyetleri y\u00fcr\u00fctmek i\u00e7in ki\u015fisel verilerinizi kullanabilir.<\/p><p>Y\u00fcr\u00fcrl\u00fckteki yasalara uygun olarak do\u011frudan pazarlama faaliyetleri i\u00e7in r\u0131zan\u0131z\u0131 talep edece\u011fiz.<\/p><p>Hangi ileti\u015fimleri almak istedi\u011finiz veya bunlar\u0131 nas\u0131l almak istedi\u011finiz konusunda fikrinizi de\u011fi\u015ftirirseniz ya da do\u011frudan pazarlama ileti\u015fimlerini almak istemedi\u011finize karar verirseniz, istedi\u011finiz zaman \u015fu yollarla abonelikten \u00e7\u0131kabilirsiniz:<\/p><ul><li>kay\u0131tl\u0131 bir kullan\u0131c\u0131ysan\u0131z, tercihlerinizi World First Online i\u015flem platformu \u00fczerinden y\u00f6neterek; veya<\/li><li>ald\u0131\u011f\u0131n\u0131z herhangi bir do\u011frudan pazarlama e-postas\u0131n\u0131n alt\u0131ndaki abonelikten \u00e7\u0131kma ba\u011flant\u0131s\u0131na t\u0131klayarak.<\/li><\/ul><p>Bizden pazarlama i\u00e7erikleri almay\u0131 se\u00e7meyerek sundu\u011fumuz hi\u00e7bir hizmeti ka\u00e7\u0131rmazs\u0131n\u0131z ve fikrinizi istedi\u011finiz zaman, istedi\u011finiz s\u0131kl\u0131kta de\u011fi\u015ftirebilirsiniz.<\/p><p>\u00a0<\/p><h3>9. Haklar\u0131n\u0131z nelerdir?<\/h3><p>A\u015fa\u011f\u0131da belirtildi\u011fi \u00fczere ki\u015fisel verilerinize ili\u015fkin belirli haklar\u0131n\u0131z bulunmaktad\u0131r:<\/p><ul><li>WorldFirst MS&#8217;in hakk\u0131n\u0131zda tuttu\u011fu bilgilerin bir kopyas\u0131n\u0131 istemek;<\/li><li>WorldFirst MS&#8217;in hakk\u0131n\u0131zda tuttu\u011fu bilgilerin \u00fccretsiz olarak d\u00fczeltilmesini veya g\u00fcncellenmesini istemek; ve<\/li><li>do\u011frudan pazarlamaya itiraz etmek (yukar\u0131daki B\u00f6l\u00fcm 8&#8217;e bak\u0131n\u0131z).<\/li><\/ul><p>Yukar\u0131daki haklardan herhangi birini kullanmak isterseniz, l\u00fctfen <a href=\"mailto:privacy@worldfirst.com\">privacy@worldfirst.com<\/a>\u00a0adresine e-posta g\u00f6ndererek veya a\u015fa\u011f\u0131daki adrese yazarak Gizlilik Ofisimiz ile ileti\u015fime ge\u00e7iniz; talebinize yan\u0131t verece\u011fiz.<\/p><p style=\"padding-left: 40px;\"><strong>WorldFirst MS Adresi:<\/strong><\/p><p style=\"padding-left: 40px;\">Privacy Office<\/p><p style=\"padding-left: 40px;\">128 Beach Road<\/p><p style=\"padding-left: 40px;\">#20-01, Guoco Midtown Office<\/p><p style=\"padding-left: 40px;\">Singapore 189773<\/p><p>Ancak, l\u00fctfen yukar\u0131daki haklar\u0131n mutlak olmad\u0131\u011f\u0131n\u0131 ve s\u0131n\u0131rlamalara tabi olabilece\u011fini unutmay\u0131n\u0131z. Yasal olarak izin verilen durumlarda, talebinizi tamamen veya k\u0131smen reddedebiliriz, ancak yan\u0131tla birlikte bir a\u00e7\u0131klama sunabiliriz.<\/p><p>Gerekti\u011finde, kimlik kan\u0131t\u0131 sunman\u0131z\u0131 ve ilgili bilgileri bulmam\u0131z\u0131 ve talebi yapan ki\u015finin buna yetkili oldu\u011funu do\u011frulamam\u0131z\u0131 sa\u011flayacak yeterli bilgiyi sa\u011flaman\u0131z\u0131 talep edece\u011fiz.<\/p><p>Kay\u0131tl\u0131 olmayan kullan\u0131c\u0131lar (\u00f6rn. web sitesi kullan\u0131c\u0131lar\u0131, ba\u011flant\u0131l\u0131 taraflar ve \u00f6deyenler\/\u00f6deme alanlar) kay\u0131tl\u0131 kullan\u0131c\u0131larla ayn\u0131 haklara sahiptir ve yukar\u0131dakilerden herhangi birini talep etmek i\u00e7in WorldFirst MS ile ileti\u015fime ge\u00e7ebilirler.<\/p><p>\u00a0<\/p><h3>10. Ki\u015fisel verilerin g\u00fcvenli\u011fi<\/h3><p>T\u00fcm verileri, verilerin gizlili\u011fini, b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fc ve kullan\u0131labilirli\u011fini g\u00fcvence alt\u0131na almay\u0131 ve korumay\u0131 ama\u00e7layan bir \u015fekilde elektronik ve fiziksel olarak sakl\u0131yoruz. Veriler, aktif olarak bak\u0131m\u0131 yap\u0131lan g\u00fcvenlik duvarlar\u0131 ile korunan sunucularda saklan\u0131r. G\u00fcncel antivir\u00fcs yaz\u0131l\u0131mlar\u0131 kullan\u0131yoruz ve sunucular\u0131m\u0131za eri\u015fim k\u0131s\u0131tl\u0131d\u0131r.<\/p><p>Kimlik do\u011frulamas\u0131 amac\u0131yla ka\u011f\u0131t tabanl\u0131 belgeler sa\u011flaman\u0131z durumunda bunlar elektronik olarak saklanacak ve as\u0131llar\u0131 g\u00fcvenli bir \u015fekilde imha edilecek veya size iade edilecektir.<\/p><p>\u0130nternet \u00fczerinden veri iletimi hi\u00e7bir zaman tamamen g\u00fcvenli olamaz. Elektronik olarak toplanan veya iletilen bilgilerin g\u00fcvenli\u011fini garanti etmiyoruz ve edemeyiz; ancak ki\u015fisel verilerinizi korumak i\u00e7in makul \u00f6zeni g\u00f6steriyoruz.<\/p><p>Hesab\u0131n\u0131z\u0131n veya bilgilerinizin yetkisiz kullan\u0131m\u0131ndan veya bunlara yetkisiz eri\u015fimden \u015f\u00fcpheleniyorsan\u0131z, l\u00fctfen derhal bizimle ileti\u015fime ge\u00e7iniz.<\/p><p>\u00a0<\/p><h3>11. Memnun kalmazsam ne olur?<\/h3><p>Ki\u015fisel verilerinizi i\u015fleme \u015feklimizden herhangi bir zamanda memnun kalmazsan\u0131z, bize \u015fikayette bulunabilirsiniz.<\/p><p>Sizinle i\u015fleri yoluna koyma f\u0131rsat\u0131na sahip olmay\u0131 ger\u00e7ekten isteriz, ancak her t\u00fcrl\u00fc veri koruma endi\u015fenizi do\u011frudan Singapur Ki\u015fisel Verilerin Korunmas\u0131 Komisyonu dahil bir veri koruma makam\u0131na iletme hakk\u0131na da sahipsiniz.<\/p><p>\u00a0<\/p><h3>12. D\u0131\u015f ba\u011flant\u0131lar<\/h3><p>Web sitemiz, gizlilik politikalar\u0131\/beyanlar\u0131 bizimkinden farkl\u0131 olabilecek di\u011fer \u00fc\u00e7\u00fcnc\u00fc taraf web sitelerine ba\u011flant\u0131lar i\u00e7erebilir. Bu web sitelerinde ger\u00e7ekle\u015fen faaliyetlerden ve uygulamalardan sorumlu de\u011filiz.<\/p><p>Buna g\u00f6re, web sitemiz arac\u0131l\u0131\u011f\u0131yla eri\u015febilece\u011finiz herhangi bir web sitesinde yay\u0131nlanan gizlilik politikalar\u0131n\u0131\/beyanlar\u0131n\u0131 incelemenizi \u00f6neririz.<\/p><p>\u00a0<\/p><h3>13. Bizimle ileti\u015fime ge\u00e7in<\/h3><p>Bizimle ileti\u015fime ge\u00e7mek isterseniz, l\u00fctfen <a href=\"mailto:privacy@worldfirst.com\">privacy@worldfirst.com<\/a>\u00a0adresine bir e-posta g\u00f6ndererek veya a\u015fa\u011f\u0131daki adrese yazarak Gizlilik Ofisimiz ile ileti\u015fime ge\u00e7iniz.<\/p><p style=\"padding-left: 40px;\"><strong>WorldFirst MS Adresi:<\/strong><\/p><p style=\"padding-left: 40px;\">Privacy Office<\/p><p style=\"padding-left: 40px;\">128 Beach Road<\/p><p style=\"padding-left: 40px;\">#20-01, Guoco Midtown Office<\/p><p style=\"padding-left: 40px;\">Singapore 189773<\/p><p>\u00a0<\/p><h3>14. Gizlilik Politikam\u0131zdaki De\u011fi\u015fiklikler<\/h3><p>\u0130\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131, \u00f6rne\u011fin de\u011fi\u015fen yasal, teknik veya ticari geli\u015fmelere yan\u0131t olarak zaman zaman de\u011fi\u015ftirebilir, tadil edebilir veya g\u00f6zden ge\u00e7irebiliriz. \u0130\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131n en g\u00fcncel s\u00fcr\u00fcm\u00fcn\u00fc web sitemizde istedi\u011finiz zaman g\u00f6r\u00fcnt\u00fcleyebilirsiniz; i\u015fbu Gizlilik Politikas\u0131&#8217;nda at\u0131fta bulunulan hizmetlerden yararlanmadan \u00f6nce i\u015fbu Gizlilik Politikas\u0131&#8217;n\u0131n en son s\u00fcr\u00fcm\u00fcne ba\u015fvurmak sizin te\u015fvik edildi\u011finiz bir durumdur ve sizin sorumlulu\u011funuzdad\u0131r.<\/p><p>Web sitemizde yay\u0131nland\u0131ktan sonra yeni Gizlilik Politikas\u0131 derhal y\u00fcr\u00fcrl\u00fc\u011fe girecektir. <strong>Web sitemize eri\u015fmeye, hizmetlerimize kaydolmaya, hizmetlerimizi kullanmaya devam ederek ve\/veya bize bilgi sa\u011flayarak, ki\u015fisel verilerin yeni Gizlilik Politikas\u0131 i\u00e7inde a\u00e7\u0131klanan \u015fekilde toplanmas\u0131na, kullan\u0131lmas\u0131na ve if\u015fa edilmesine r\u0131za g\u00f6stermektesiniz.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd140a elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"ebd140a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"x-text x-content e5507-e16 m48z-e m48z-h m48z-j\">\n<p><b>Download our WorldFirst General Privacy Policy:<\/b><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2064ba9 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"2064ba9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prd4-cdn.worldfirst.com\/sites\/9\/2024\/02\/FINAL-2022-WFSG-World-Account-Privacy-Policy.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d316e3 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"5d316e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"x-text x-content e5507-e16 m48z-e m48z-h m48z-j\">\n\n<b>Download our World Account Privacy Policy:<\/b>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a09aa16 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"a09aa16\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prd4-cdn.worldfirst.com\/sites\/9\/2023\/11\/Z40-ENG-World-Account-Privacy-Policy.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0130lgili i\u00e7erikler &#8211; Yasal bilgiler&#8211; Uyum&#8211; \u015eikayetler&#8211; \u00c7erez politikas\u0131 Gizlilik Politikas\u0131 1. Genel Bak\u0131\u015f WorldFirst (Singapore) Merchant Services Pte. Ltd. (\u201cWorldFirst MS\u201d) olarak, \u00e7al\u0131\u015fmalar\u0131m\u0131zda en y\u00fcksek d\u00fczeyde g\u00fcvenlik, \u015feffafl\u0131k ve d\u00fcr\u00fcstl\u00fc\u011f\u00fc s\u00fcrd\u00fcrmekten gurur duyuyor, ki\u015fisel verilerinizin korunmas\u0131n\u0131n ve verilerinize sayg\u0131 g\u00f6sterilmesinin \u00f6nemini kabul ediyoruz. Size hizmetlerimizi sunabilmemiz i\u00e7in hakk\u0131n\u0131zda baz\u0131 \u015feyler bilmemiz gerekir. Yaln\u0131zca talep [&hellip;]<\/p>\n","protected":false},"author":71,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Our Privacy Policy | WorldFirst TR<\/title>\n<meta name=\"description\" content=\"View our privacy policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/tr\/privacy-policy\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privacy policy\" \/>\n<meta property=\"og:description\" content=\"View our privacy policy.\" \/>\n<meta property=\"og:url\" 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