Privacy Policy
https://app.4ra.cc/ website . When you register, log in, make payments, contact customer support, fill out forms or submit data, personal information will be collected, used and stored in the same manner as described in the Privacy Notice.
Getting information about data
The user can obtain information about the collection, processing and use of his personal data by sending a request by email [email protected].
What is personal data?
This Privacy Policy defines personal data as any information that can directly or indirectly identify an individual. This document defines the procedure for collecting, processing and using personal data when using the website https://app.4ra.cc/.
INFORMATION YOU PROVIDE WHEN YOU REGISTER.
When registering on the website https://app.4ra.cc/ you will need to provide your name, email address and hashed password. This information is classified as personal data and will be collected, processed, used and stored in accordance with the Privacy Policy.
ACCOUNT CONFIRMATION
When you confirm your account, you provide the following information:
– mobile phone number ;
– photographs or scans of an identity document. We also collect data such as document type, country of issue, number, expiration date, MRZ, information embedded in document barcodes (which may vary depending on the document), and security features.
– facial image , including photographs of the face, selfies and scanned images of the face in the user’s identity document, as well as video and sound recordings. Biometric facial data is also collected during the account verification process , including photographs and scans of the user’s ID, as well as images and recordings of the user’s face.
BANK TRANSFER
When initiating or receiving a bank transfer, the following types of documents and information may be required: proof of address, proof of citizenship or residence permit, documents required to confirm the source of funds, bank account details including account number, sort code, IBAN and payment-related data such as amount, currency and time.
TO PREVENT FRAUD AND UNAUTHORIZED USE OF YOUR ACCOUNT, we may request information from you to prevent fraud and misuse of your account. This information may include bank statements, verbal explanations, screenshots and a questionnaire confirming that you are acting of your own free will and understand what you are doing.
WHEN YOU COMMUNICATE WITH SUPPORT, we may collect your contact email address, the content of your messages and any files you attach to your messages, a unique ticket system identifier, and technical data associated with your messages, including date, time zone and environment.
TRANSACTION INFORMATION, we collect information about payments made to your account, including date, time, amount, currencies, parties involved, messages sent and received with the payment, merchant information, payment methods used, technical usage data, and geolocation information. We also collect your wallet data and unique identifier in 4RA , as well as bank card data such as cardholder name, expiration date, and the first 6 and last 4 digits of the card number.
INFORMATION FROM YOUR DEVICE, we collect information from your device, including the name of your Internet service provider (IP address), environment, login information, browser type and settings, time zone, operating system, type of device you are using, unique device identifier, screen size, mobile network information, the mobile operating system and type of mobile browser you are using, and the date, time and duration of your visit.
INFORMATION FROM THIRD PARTIES, we may receive information from payment processors (Visa, Mastercard), payment service providers, card schemes, card program managers, government agencies and law enforcement agencies, as well as from publicly available sources such as company registries and extended diligence services.
Legal basis and use of personal data
On https://app.4ra.cc/ We process your personal data only when there are legal grounds. We may rely on the following:
A) Performance of the contract we enter into with you.
We process your personal data to provide you with our services based on the Terms and Conditions that you accept when you register with us. We collect and process your data to set up and administer your account, provide secure access to your account, and process transactions you make through your account, such as transferring funds, making payments, adding money to your wallet, or making withdrawals. . We may also send you important system information, login confirmations, suspicious login attempts, and notifications of completed transactions, and provide technical and customer support.
B) Our legal obligation
We process your personal data to comply with our legal obligations, in particular the requirements of anti-money laundering and anti-terrorist financing legislation, to verify and confirm your identity as part of the KYC procedure. When you request an IBAN or initiate a bank transfer, we also send your data to the providers of these services to comply with AML requirements and KYC regulations. We may use your information to assist any law enforcement agency with an investigation or to disclose information required by a court order as we may be required by law.
C) Our legitimate interests
We may use anonymized and aggregated data to analyze how customers use our services and evaluate the quality and usability of our product, performance and website functionality. Similarly, we may also use your information to notify you about changes to our policies or new features of our service. We use a risk-based approach to evaluate the profile of users and their transactions, and to detect and prevent fraudulent and other illegal activities. We collect, use and store personal data for these purposes. When you contact our support team, we save a recording of the conversation. We do this to improve the quality of our services and products, protect our interests in the event of disputes, evaluate the quality of work of our support staff, and train them.
D) Your consent.
You can sign up to receive emails from us about our products and services, and allow us to measure the effectiveness of marketing emails and analyze product usage. You can withdraw your consent at any time. To verify your account, we ask you to undergo a vitality check to ensure that you are a living person and the documents provided really belong to you. Such analysis constitutes the processing of a special category of personal data and can only be carried out with your consent. The validity of the consent is limited to the achievement of the purpose of the functionality test, so the processing of data stops immediately after its completion. Data collection and processing is carried out by a third party acting as a data processor on our behalf. You can read more about this in the section “Disclosure of personal data to third parties”.
Automated Decision Making
We use an automated risk assessment system to analyze the risk profile of users and current transactions to prevent illegal and fraudulent activities. However, any important decisions that may affect you will be made by our staff based on manual review.
Cookies
We use cookies on our website. You can read about this in our Cookie Policy.
Data Security
We are committed to ensuring the security of your personal data. We take various security and organizational measures to ensure the security of your data when you enter it on the site or otherwise provide it to us.
We use data encryption techniques and authentication procedures to prevent unauthorized access to our system and your data. Only authorized employees are given physical access to areas where monitored data is processed and stored.
All confidential information is transmitted using Secure Socket Layer (SSL) technology. Encryption of payment information on the card complies with the PCI DSS standard.
We limit access to your personal information only to those employees who need it to meet their job requirements (for example, customer service employees). All employees who have access to personal data are required to comply with a non-disclosure agreement. We provide ongoing training to our employees to ensure the security and confidentiality of personal data.
We continually improve our security procedures to meet industry best standards and maintain a high level of privacy protection.
We recommend following some simple rules to help ensure your safety. Never use the same password for multiple accounts on different sites, and always use a strong password consisting of letters, numbers and symbols in different cases. Do not share your 4RA account password with anyone . Please remember that our employees never ask for user passwords. If someone claiming to be a 4 RA employee asks you for your password or other login information, do not give it to them and notify us immediately by email at [email protected].
