Your privacy is important to us. This notice explains our online information practices and the choices you can make about the way your information is used at our Website (www.stoq.club).
This Privacy Statement describes how STOQ Club collects, uses, and discloses certain personal information obtained through our global public websites at www.stoq.club. This Privacy Statement does not address information collection through other sources such as in-person seminars or personal contacts.
We make certain software applications and platforms available to customers on our Site for the purposes of providing a business network and supporting the exchange of business documents between each customer (the
“ Services ”). For the purpose of this Privacy Policy, the user of Services may be merchants/sellers/billers, customers/buyers/consumers, or any other persons using Services or accessing Sites ( “ User ”, “ you ” or “ your ”).
1.2. Our privacy policy and terms of use (respectively referred
to from now on as the
“
Privacy Policy”
and the
“
Terms of Use
”
) apply when you use our website (stoq.club
) (
“
our Site
”
). Please read the Privacy Policy and Terms of Use carefully
before you start to use our Site. By using our Site, you
indicate that you accept the Privacy Policy and Terms of Use and
that you agree to abide by them. If you do not agree to them,
please refrain from using our Site.
2.1. “
Software
”
means any software accessible on our Site for the use of Users
(whether free or if payment is required).
2.2.
“
User
”
means any person using our Site or the Software (whether that
person has paid for such use or not) and
“
Users
”,
“
you
”
and
“
your
”
shall be construed accordingly.
2.3.
“
the Act
”
means the Data Protection Act 1998.
3.1. STOQ Club respects your privacy and is committed to protecting your privacy and confidential information. This Privacy Policy (together with our Terms Of Use and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we, as data controller of your personal data that you provide to us, will treat it.
4.1. We
may collect and process the following data about you:
4.1.1.
When you visit our Site:
Our cookies policy explains what data we collect from you and
what we do with it when you browse through our Site (e.g. your
IP address).
4.1.2.
When you register on our Site:
4.1.2.1.
What data we collect:
When you register on our Site we will collect your username,
country of business and email address. In general, you can visit
our Websites without telling us who you are or revealing any
information about yourself. There are times, however, when we
ask for personally identifiable information from you, such as
your name, company, e-mail address, phone number, and address as
well as other personal contact details (“Personal Information”).
Navigational and Log Information: We collect information about
your navigation using our Services, for example the URLs of
websites from which you reach our Site, and from which you
request downloads, pages visited/ downloaded on our Site,
websites or pages of merchants you visit using our Services. We
may also collect information such as your domain name, web
request, IP address, mobile application version, type of
operating system that your computer uses, browser type, browser
language, location, date and time of request, the products you
buy, the referring site, and the time that you spend on the
site.
Correspondence Information: We collect the content, information
about your correspondence, the destination/origin of
communications between you and any other person using our
Services, which include email communications, blog, chat room
and discussion board communications, instant message
communications, experts forum communications, facsimile mail
communications, membership of mailing lists etc.
We access data or information stored by third party in case
required for providing you uninterrupted and satisfactory
Services or in case consented by you.
4.1.2.2.
Why we need this data:
We will need your username in order to authenticate your user
account so that you can benefit from our Services. We will need
your email address to send you an activation link to your
profile so that you can receive business documents and network
requests. We will also need your email address in case you
forget your password or wish to receive emails from us with news
about our services or changes to any of our policies or terms
and conditions. We need your data to correspond with you, to
provide you with a subscription to a newsletter or publication,
notify you about events, or otherwise to respond to your
requests or provide you with information that we consider may be
of interest to you; provide and improve our services to you and
to our clients including handling Personal Information of others
on behalf of our clients; market our services; assist
recruitment; improve our websites; compile anonymous statistics,
for example, Website usage statistics; fulfil our legal
obligations; and deal with situations when you report a problem
with our Website(s).
Your IP address is logged by us so that we can prevent any spam,
fraud or abuse of our Site. We will store this data only for as
long as necessary for the purposes of the Services, unless we
are required, for legal reasons or under exceptional
circumstances, to retain this data for an extended period.
Where applicable, we will differentiate between personal data
fields that are optional and those that are mandatory to obtain
the requested information. The information you give to us may
include Personal Information, such as your name, address, email
address and other personal contact details. The other
information that can be gathered when you visit our Website(s)
includes information in relation to your visit.
Also, we cannot guarantee the privacy of personal information
you transmit over the web or that may be collectable in transit
by others, including contractors who provide services to us.
To improve our Services, we need to constantly update and alter
our business and marketing strategies for which we require the
navigational and log information to determine and analyse the
merchants, markets, technology, operating systems, browsers,
devices, locations from which our Services are used most or used
least. For example, such information and its analysis will help
us focus more on your needs by providing you a wider range of
Services, or developing updates for particular operating systems
and mobile application versions, etc. Further, the information
collected helps us offer you other products, programs, or
services that we believe may be of interest to you. In addition,
such information collected will help us alert you in case of
software compatibility issues.
We want to serve you better and therefore we require your
correspondence information in order to enable us to learn about
the information and content of communications by you such that
we can deduce your feedback from such communications, analyse,
endeavour to improve, ask you for further feedbacks, reply
4.1.2.3.
How we use this data:
We will not share you login data (your username, email address,
password and IP address) with anyone except in the circumstances
referred to in Clause 8 (Disclosure of Your Information).
4.1.2.4.
From time to time we may email you news, updates and sales
offers which you can easily opt out of receiving by clicking
“unsubscribe” in the relevant email.
4.1.3.
When you contact us or submit comments on our Site:
4.1.3.1.
If you submit comments on our Site or contact us for any reason
we may store these communications for as long as necessary for
the purposes of improving the Services we offer, unless we are
required, for legal reasons or under exceptional circumstances,
to retain this information for an extended period.
4.1.4.
. Payments:
4.1.4.1.
Our Site operates mostly on a free basis however there are some
services (e.g. apps) you can buy. If you opt to pay for any of
our Services, we will direct you to make payment through a third
party site.
4.1.4.2.
What data we collect:
The third party site will provide us with, and we will then
store, the date on which you made the payment and the date that
your account will expire with the third party payment provider,
along with a generic number. We may(and you gives us your
consent), store your financial information such as your bank
account or details mentioned on your credit cards or debit
cards, or other payment instrument details etc. that are
required for a successful transaction. Further, for certain
Services, including our bill payment service, we require your
bill payment account information such as your account number,
payment history, your account history with us etc. We also store
transaction details such as amount spent, merchant name,
transaction ID, date and time of transaction, of your e-commerce
transactions. Further, we may also store information relating to
your income and lifestyle levels. but this data may also be
stored by the third party payment provider handling the
transaction.
4.1.4.3.
Why we need this data:
We store this information as it enables us to know when your
account will expire. We need your order reference so that we can
link your order to your account. We will store this information
for up to two years, unless we are required, for legal reasons
and under exceptional circumstances, to retain this information
for an extended period.
4.1.4.4.
We are not responsible for any third party payment provider
handling your transaction and you should refer to the third
party payment provider’s privacy policy to see how they use your
data.
4.1.4.5.
Combinations of the information collected as mentioned in this
Privacy Policy such as physical address, device information,
email address when coupled with information which is not
Personal Information such as speed of typing, the maximum screen
area usage, other patterns and data help us detect and protect
Users and ourselves against errors, fraud, or other criminal
activity.
A cookie is a small file of letters and numbers that we store on
your browser or the hard drive of your computer. Unless you have
adjusted your browser setting so that it will refuse cookies,
our system will issue cookies as soon as you visit our site. By
continuing to use our Web site, you are agreeing to our placing
cookies on your computer in order to analyse the way you use our
Web site. Please read this cookie policy carefully for more
details about the information we collect when you use this site.
If you do not wish to accept cookies in connection with your use
of this Web site, you must stop using our site.
Information about cookies
Useful information about cookies can be found at:
http://www.allaboutcookies.org/
Internet Advertising Bureau
A guide to behavioural advertising and online privacy has been
produced by the internet advertising industry which can be found
at:
http://www.youronlinechoices.eu/
International Chamber of Commerce United Kingdom
Information on the ICC (UK) UK cookie guide can be found on the
ICC Web site section:
http://www.international-chamber.co.uk/our-expertise/digitaleconomy
Key Concept
First and third-party cookies:
whether a cookie is 'first' or 'third' party refers to the
domain placing the cookie. First-party cookies are those set by
a Web site that is being visited by the user at the time (e.g.
cookies placed by www.stoq.club)
Third-party cookies
are cookies that are set by a domain other than that of the Web
site being visited by the user. If a user visits a Web site and
another entity sets a cookie through that Web site, this would
be a third-party cookie.
Persistent cookies:
these cookies allow Web site operators to link the actions of a
user during a browser session. A browser session starts when a
user opens the browser window and finishes when they close the
browser window. Session cookies are created temporarily. Once
you close the browser, all session cookies are deleted.
Session cookies:
Correspondence Information: We collect the content, information
about your correspondence, the destination/origin of
communications between you and any other person using our
Services, which include email communications, blog, chat room
and discussion board communications, instant message
communications, experts forum communications, facsimile mail
communications, membership of mailing lists etc.
What cookies do we use and why?
To find out about specific cookies we use
on this site, please see below.
The cookies used on our site are categorised as follows:
Performance
Targeting
Performance
'Performance'
cookies collect information about how you use our Web site - eg
which pages you visit and if you experience any errors. These
cookies do not collect any information that could identify you
and are only used to help us improve how our Web site works,
understand what interests our users and measure how effective
our content is.
We use performance cookies to:
Web analytics:
Provide anonymous statistics on how our Web site is used Error
management: Help us improve the Web site by measuring any errors
that occur. Some of our performance cookies are managed for us
by third parties. However, we don't allow the third party to use
the cookies for any purpose other than those listed above.
By using our site, you accept the use of 'Performance' cookies.
Accepting these cookies is a condition of using the Web site, so
if you prevent them we cannot guarantee how our site will
perform for you
Targeting
We give users the option to share our stories on social networks
such as Facebook and Twitter. To deliver this service we link to
a third party website called AddThis. We have prevented AddThis
from automatically setting cookies as you navigate our Web site.
If you use our share buttons you will be directed to a website
controlled by AddThis. We have no control over the cookies that
AddThis sets when you use its services. You can opt out of
addthis.com cookies.
5.1.
We may obtain information about your general internet usage by
using a cookie file which is stored on your browser or the hard
drive of your computer. Cookies are widely used in order to make
websites work, or work more efficiently, as well as to provide
information to the owners of the site. The cookies we use are
essential for our Site to enable us to:
5.1.1.
Estimate our audience size and usage pattern;
5.1.2.
Store information about your preferences, and so allow us to
customise our Site and to provide you with offers that are
targeted at your individual interests;
5.1.3.
Recognise you when you return to our Site;
5.1.4. Allow you to use our Site in a way that makes your
browsing experience more convenient, for example, by allowing
you to store details of invoices you have been using as part of
our Services. If you register with us or complete our online
forms, we will use cookies to remember your details during your
current visit, and any future visits provided the cookie was not
deleted in the interim; and
5.1.5. Allow selected third parties (such as Google) to target
specific marketing material to you based on your browsing
history preferences.
5.1.6. The data collected by cookies helps us track, analyse and
understand User trends so as to enable us to understand lacunas
(such as slow response time on our website page) and improve
your interactive experience of using our Services, our web
design, features and functionalities.
5.2. You can block cookies by activating the setting on your
browser which allows you to refuse the setting of all or some
cookies. However, if you use your browser settings to block all
cookies (including essential cookies) you may not be to access
all or parts of our Site. Unless you have adjusted your browser
setting so that it will refuse cookies, our system will issue
cookies as soon you visit our site
5.3. Except for essential cookies, all cookies will expire after
2 years. For guidance on when Google’s cookies will expire,
please see Google’s privacy policy.
5.4.
Can I withdraw my consent?
If you wish to withdraw your consent at any time, you will need
to delete your cookies using your internet browser
settings
For further information about deleting or blocking cookies,
please visit: http://www.aboutcookies.org/Default.aspx?page=2
First party cookies
|
Cookie name |
Purpose |
Duration |
Strictly necessary (Y/N) |
Domain source |
Category |
|
Preferred-view |
Used to track user’s view selection |
1 year |
N |
performance |
|
|
Recommended items |
Used to track user’s searches to present recommended items |
session |
N |
performance |
|
|
Hide-notice-cookie |
Used to track user’s acceptance of cookie policy |
persistent |
N |
performance |
Third party cookies
|
_utma |
Determines first visit to the site from a particular browser |
2 years |
N |
stoq.club Google Analytics* JavaScript |
performance |
|
_utmb |
Used to establish and continue a user session with the site |
30 mins |
N |
stoq.club Google Analytics* JavaScript |
performance |
|
_utmc |
Holds time stamp of the exact moment when a visitor leaves the site |
session |
N |
stoq.club Google Analytics* JavaScript |
performance |
|
_utmz |
Records type of referral used by visitor to reach the site (such as direct, referring link, Web site search, ad campaign, e-mail link) |
6 months |
N |
stoq.club Google Analytics* JavaScript |
performance |
|
uid |
Uniquely assigned machine-generated user ID |
2 years |
N |
AddThis |
performance |
|
di/dt |
Maintenance cookies that help manage expiration for other cookies |
session |
N |
AddThis |
performance |
|
bt |
User interest modeling |
2 years |
N |
AddThis |
performance |
|
uvc |
Measures how often we see an AddThis user. It expires after 2 years. |
2 years |
N |
AddThis |
performance |
|
ssc/psc/uvc |
Used in recording user sharing and social activity. These expire after 2 years. |
2 years |
N |
AddThis |
performance |
|
loc |
Geo-location, used to help publishers know approximately where people sharing information are located. |
2 years |
N |
AddThis |
performance |
|
ssh/sshs |
Used for optimizing sharing settings for the user |
2 years |
N |
AddThis |
performance |
For more information about Google analytic cookies, please see
Google's help pages and privacy policy:
Google's Privacy Policy
Google Analytics Help pages
Google have developed the Google Analytics opt-out browser
add-on for the Google Analytics JavaScript (ga.js, analytics.js,
dc.js).
If you want to opt out of Google Analytics, you can download and
install the add-on for your web browser
Additional third party cookies
We occasionally link to interactive
digital publications called Zmags. If you click on Zmags links,
you will be directed to a website controlled by Zmags. We have no
control over the cookies that Zmags sets when you use its
service..
However, you can read about the cookies that Zmags uses and opt
out of Zmags cookies
Third party application forms
When accessing our Web Site from and completing a job
application form pertaining to the United States or Australia,
the online job application forms linked to from this Web site
are operated by third party service providers who may use
cookies to enable you to complete the registration process, to
submit your application successfully and to log into and access
your account.
6.1. All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
7.1. We will need you to help us ensure the Personal Data you provided to us is accurate and up to date. If you wish to correct and update any of your Personal Data, you may do so by updating the Personal Data through the preferences available in your account.
7.2. If you want to delete your account, you may do so by deleting your profile from the preferences page in your account. Upon deletion of your account, we will store your Personal Data for the duration set out in Clause 4.1.2.2.
8.1. In the event that STOQ Club becomes part of a group of companies, we may disclose your data to any member of such group, which means any subsidiaries of STOQ Club or its ultimate holding company and its subsidiaries, as defined in India Companies Act 2006
8.2. We may disclose your personal information to third
parties:
8.2.1. In the event that we sell or buy any business or assets,
in which case we may disclose your personal data to the
prospective seller or buyer of such business or assets;
8.2.2 If STOQ Club is, or substantially all of its assets are,
acquired by a third party, in which case personal data held by
it about its Users will be one of the transferred assets;
or
8.2.3. If we are under a duty to disclose or share your personal
data in order to comply with any legal obligation, or in order
to enforce or apply our Terms of Use and other agreements; or to
protect the rights, property, or our safety, our Users, or
others. This includes exchanging information with other
companies and organisations for the purposes of fraud protection
and credit risk reduction
8.2.4. We collect and use some of your information in an
aggregated form to compile statistical and demographical
profiles for our business and marketing activities and to
customise our Services to you. We may disclose such information
about you, provided that the information is in an aggregated
form that is not capable of being used or interpreted in such a
manner as to identify you. It is clarified that the consolidated
Personal Information of all Users which has been collected by
us, is the property of STOQ Club and we may use it, in whole or
in part, in our sole discretion and without any compensation to
you, for any legitimate purpose and you hereby confirm that you
have no objection to the aforesaid use of your Personal
Information
8.2.5. We will only disclose your Personal Information in
accordance with this Privacy Policy. If we want to use it for
any other purpose, we have no obligation for taking your written
consent
8.2.6. If you decline to submit Personal Information to us, then
we will unfortunately not be in a position to provide the
Services to you.
9.1. The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of minimum $10 or more according to meet our costs in providing you with details of the information we hold about you. Please send any access requests to info@stoq.club
9.2. If, by usage of some functionalities of our Service, you
receive Personal Information about other user(s), you agree to
keep the same confidential and only use it in connection with
the Services, without disclosing the same to another user or
third party.
9.3. In order to ensure that all our users comply with the user
rules, we may monitor your Personal Information to the extent
that this may be required to determine compliance and/or to
identify instances of non-compliance.
9.4. The User can at any time while availing the services or
otherwise, withdraw his/her consent given previously to STOQ
Club for collecting, receiving, possessing, storing, dealing or
handling Personal Information of the User, by sending us your
request by email on the ‘contact us’ page on www.stoq.club In
such case, STOQ Club will unfortunately not be in a position to
provide the Services to you. However, STOQ Club will be able to
retain such Personal Information for the time period in
accordance with the applicable laws.
10.1. We work to protect the security of your Personal information during transmission by using appropriate software, which encrypts information you input. This encrypted information is stored on secure systems/computers. Further, we ensure that the number of employees involved in the management of the data centre who have physical access to these computers is limited. Also, we use advanced security technology to prevent our computers from being accessed by unauthorised persons
10.2. We have also implemented information security practices
and standards and have in place comprehensively documented
information security programmes and policies containing
managerial, technical, operational and physical security
measures that are in compliance with the Indian laws including,
so as to protect the Personal Information provided to us from
unauthorised access, use, modification, damage, disclosure or
impairment. We may from time to time use reasonable additional
or alternative procedures to ensure the security and
confidentiality of your Personal Information through our Sites.
10.3. No data transmission over the internet is fully secure, so
we cannot ensure or warrant the security of any information you
submit to us. Further, we do not guarantee in any way, the
security of any Personal Information that you transmit or share
on the Site; and you do so at your own risk.
10.4. If any security breach comes to our knowledge, then we may
take all steps required to protect misuse of such Personal
Information and may attempt to notify you electronically so that
you can take appropriate protective steps.
10.4. If any security breach comes to our knowledge, then we may
take all steps required to protect misuse of such Personal
Information and may attempt to notify you electronically so that
you can take appropriate protective steps.
10.5. Any of your information which you provide when you use our
Services to an open, public environment or forum including
(without limitation) any blog, chat room, community, classifieds
or discussion board, (a) will not be considered confidential,
(b) will not be considered as Personal Information, and (c) is
not subject to protection under this Privacy Policy. Since such
public environments are accessible by third parties, it is
possible that third parties may collect or use such information
for their own purposes. You should accordingly be careful when
deciding to share any of your Personal Information in such
public environments. Please note that we are not liable to you
or any third party for any damages that you or any third party
may suffer on account of your disclosure of Personal Information
in any public environment.
11.1. STOQ Club reserves the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason. In case, any changes are made in the Privacy Policy, STOQ Club shall update the same on the website. Users should periodically review this page for the latest information on our privacy practices. Once posted, those changes are effective immediately, unless stated otherwise. The revised policy will also apply retroactively to all data we have collected through the website. Continued access or use of the Services constitutes your acceptance of the changes and the amended Privacy Policy. However, if you do not agree with the changes, please do not continue to use the Services or submit Personal Information to us.
12.1. The STOQ Club website may contain links to or from other websites. Please be aware that we are not responsible for the privacy practices of other websites. We encourage you to read the privacy policies of other websites you link to from the STOQ Club website or otherwise visit.
13.1. If you have any questions, queries, concerns or feedbacks about this Privacy Policy or our Privacy related practices, please feel free to contact us at on support@stoq.club.
13.2. In case you have any grievance related to the collecting, receiving, possessing, storing, dealing or handling of Personal Information provided by you, you may be subject to a fee of minimum $10 or more according to meet our costs. You may contact our Grievance Officer at the following email address. support@stoq.club