Last updated: April 16, 2019
Arbol may provide additional “just-in-time” disclosures or additional information about the data collection, use and sharing practices of specific Services. These notices may supplement or clarify Arbol’s privacy practices or may provide you with additional choices about how Arbol processes your personal information.
THE PERSONAL INFORMATION WE COLLECT
We collect personal information to provide you with our Services. When we require certain personal information from users it is because we are required by applicable law to collect this information or it is relevant for specified purposes. Any information you provide to us that is not required is voluntary. You are free to choose whether to provide us with the types of personal information requested, but we may not be able to serve you as effectively or offer you all of our Services when you do choose not to share certain information with us.
For example, we collect personal information, which is required under the law to open an account, add a payment method, or execute a transaction. We also collect personal information when you use or request information about our Services, subscribe to marketing communications, request support, complete surveys, or sign up for a Arbol event. We may also collect personal information from you offline, such as when you attend one of our events, or when you contact customer support. We may use this information in combination with other information we collect about you, as set forth in this Notice.
In addition, we may collect personal information disclosed by you on our message boards, chat features, blogs and our other services to which you are able to post information and materials. Any information that is disclosed in those forums becomes public information and may therefore appear in public ways, such as through search engines or other publicly available platforms, and may be “crawled” or searched by third parties. It could also be read, collected or used by other users to send you unsolicited messages. Please do not post any information that you do not want to reveal to the public at large.
HOW YOUR PERSONAL INFORMATION IS USED
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. In general, we use personal information to create, develop, operate, deliver, and improve our Services, content and advertising, and for loss prevention and anti-fraud purposes. Examples of how we may use this information include:
• To comply with our legal obligations.
• To prevent and investigate potentially prohibited or illegal activities, and/or violations of our posted user terms.
• To process transactions and send notices about your transactions.
• To verify your identity by comparing your personal information against third-party databases.
• To send administrative or account-related information to you.
• To enforce our agreements with third parties.
• To resolve disputes, collect fees, and troubleshoot problems.
• For quality control and staff training.
• To enhance security, monitor and verify identity or service access, combat spam or other malware or security risks.
• To provide you with Arbol Services and customer support that you request.
• To better understand our customers and end-users and the way they use and interact with Arbol Services.
• To provide a personalized experience, and implement the preferences you request.
• To communicate with you about our events or our partner events.
• To customize, measure, and improve Arbol Services and the content and layout of our website and applications.
• To deliver targeted marketing, service update notices, and promotional offers based on your communication preferences (where this in accordance with the law).
We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or from allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or Arbol Services may not be available to you.
INFORMATION FROM THIRD PARTY SOURCES
From time to time, we may obtain information about you from third party sources as require or permitted by applicable law, such as public databases, credit bureaus, ID verification partners, resellers and channel partners, joint marketing partners, and social media platforms.
Public Databases, Credit Bureaus & ID Verification Partners
We obtain information about you from public databases and ID verification partners for purposes of verifying your identity. ID verification partners use a combination of government records and publically available information about you to verify your identity. Such information includes your name, address, job role, public employment profile, credit history, status on any sanctions lists maintained by public authorities, and other relevant data. We obtain such information to comply with our legal obligations, such as anti-money laundering laws. In some cases, we may process additional data about you based on public interest grounds to ensure our Services are not used fraudulently or for other illicit activities.
Resellers, Channel Partners, Joint Marketing Partners, and Social Media Platforms
We collect information about your publically available social media profile, interests or preferences, and page-view information from some business partners with which we operate co-branded services or joint offerings. There are multiple purposes for collecting this information. First, we process such information to better understand you and/or maintain and improve the accuracy of the records we hold about you as well as to position, promote or optimize our Services. In addition, we may also use this information in conjunction with your browsing habits / preferences (as obtained from our data partners) and your contact details, professional information and Arbol transaction history to deliver targeted advertising and marketing to you, where permitted by applicable law and in accordance with your advertising / marketing preferences. Second, we also process such information to provide support to you as part of our contractual obligations to you. Lastly, we process such information in the public interest because it helps us monitor, prevent and detect fraud.
Once we obtain such information from third parties, we do not subsequently share it with any other third parties except as described in this Policy. This information is shared with Arbol’s processors and corporate group as necessary to perform the Services.
WHY WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
We take care to allow your personal information to be accessed only by those who really need to in order to perform their tasks and duties, and to share with third parties who have a legitimate purpose for accessing it. Arbol will never sell or rent your personal information. We will only share your information in the following circumstances:
• We share your information with third party identity verification services in order to prevent fraud. This allows Arbol to confirm your identity by comparing the information you provide us to public records and other third party databases. These service providers may create derivative data based on your personal information that can be used solely in connection with provision of identity verification and fraud prevention services.
• We may share your information with service providers under contract who help with parts of our business operations such as bill collection, marketing, and technology services. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else.
• We share your information with financial institutions with which we partner to process payments you have authorized.
• We may share your information with companies or other entities that purchase Arbol assets pursuant to a court-approved sale under U.S. Bankruptcy law;
• We may share your information with law enforcement, and officials, or other third parties when we are compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement or any other applicable policies..
If you establish a Arbol account indirectly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a Arbol website) will be shared with the owner of the third party website or application and your information will be subject to their privacy policies.
HOW PERSONAL INFORMATION IS SHARED WITH THIRD-PARTY SITES AND SERVICES
If you use your Arbol Account to transact, we or you may also provide the counterpart with your correspondence address, name, and/or email to help complete your transaction. The counterpart is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to transfer Digital Currency to your counterpart fails or is later invalidated, we may also provide your counterpart with details of the unsuccessful transfer. To facilitate dispute resolutions, we may provide each counterpart with the other’s address so that the transaction can be resolved.
If you authorize one or more third-party applications to access your Arbol Account, then information you have provided to Arbol may be shared with those third parties. Unless you provide further authorization, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using Arbol Services.
HOW WE PROTECT AND STORE PERSONAL INFORMATION
We understand how important your privacy is, which is why Arbol maintains (and requires its service providers to maintain) appropriate physical, technical and administrative safeguards to protect the security and confidentiality of the personal information you entrust to us.
We may store and process all or part of your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, in the United States and elsewhere in the world where our facilities or our service providers are located. We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.
For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
However, we cannot guarantee that loss, misuse, unauthorized acquisition, or alteration of your data will not occur. Please recognize that you play a vital role in protecting your own personal information. When registering with our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third-parties, and to immediately notify us if you become aware of any unauthorized access to or use of your account.
INTERNATIONAL TRANSFERS OF PERSONAL INFORMATION
As a global entity, Arbol may store, transfer, and otherwise process your personal information in countries outside of the country of your residence, including the United States and possibly other countries.
Arbol is responsible for the processing of personal information it receives under the Privacy Shield Framework and subsequently transfers to a third party acting as an agent on its behalf. Pursuant to the Privacy Shield Principles, Arbol will use personal information only in ways that are compatible with the purposes for which it was collected or subsequently authorized by the individual. We will take all reasonable steps to ensure that personal information we process is limited to only what is relevant to the purposes for which it was collected and that it is accurate, complete, and up-to-date.
Arbol complies with the Privacy Shield Principles for all onward transfers of personal information from the EU, including the onward transfer liability provisions. Consequently, before Arbol shares your information with any third party that is not also certified under the E.U.-U.S. Privacy Shield Framework, Arbol, Inc. will enter into a written agreement that the third party provides at least the same level of privacy safeguard as required under those Frameworks, and assures the same level of protection for the personal information as required under applicable data protection laws.
We are also subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission with respect to the Framework. Please note that if your complaint is not resolved through these channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel. In certain situations, Arbol may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION
You are entitled to review, correct, or amend your personal information, or to delete that information where it is inaccurate. You may do this at any time by logging in to your account and clicking the Profile or My Account tab. This right shall only be limited where the burden or expense of providing access would be disproportionate to the risks to your privacy in the case in question, or where the rights of persons other than you would be violated.
RETENTION OF PERSONAL INFORMATION
We store our customers’ personal information securely throughout the life of the customer’s Arbol Account. Arbol will retain your personal information for a minimum of five years or as necessary to comply with our legal obligations or to resolve disputes.
COLLECTION & USE OF INFORMATION COLLECTED AUTOMATICALLY
We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information does not necessarily reveal your identity directly but may include information about the specific device you are using, such as the hardware model, operating system version, web-browser software (such as Firefox, Safari, or Internet Explorer) and your Internet Protocol (IP) address/MAC address/device identifier.
For example, we automatically receive and record information on our server logs from your browser, including how you came to and used the Services; your IP address; device type and unique device identification numbers, device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request and referral URL), broad geographic location (e.g. country or city-level location) and other technical data collected through cookies, pixel tags and other similar technologies that uniquely identify your browser. We may also collect information about how your device has interacted with our website, including pages accessed and links clicked. We may use identifiers to recognize you when you arrive at the Site via an external link, such as a link appearing on a third party site.
CHILDREN’S PERSONAL INFORMATION
We do not knowingly request of collect personal information from any person under the age of 18. If a user submitting personal information is suspected of being younger than 18 years of age, Arbol will require the user to close his or her account and will not allow buying or selling digital currencies. We will also take steps to delete the information as soon as possible. Please notify us if you know of any individuals under the age of 18 using our Services so we can take action to prevent access to our Services.
California Privacy Rights
If you are a California resident, you have the right to request information from us regarding the manner in which we share certain categories of your personal information with third parties for the third parties’ direct marketing purposes. California law provides that you have the right to submit a request to us at our designated address and receive the following information: (a) the categories of information we disclosed to third parties for the third parties’ direct marketing purposes during the preceding calendar year; and (b) the names and addresses of third parties that received such information, or if the nature of their business cannot be determined from the name, then examples of the products or services marketed.
You are entitled to receive a copy of this information in a standardized format and the information will not be specific to you individually. You may make such a request by emailing firstname.lastname@example.org.
HOW TO CONTACT US