Using Non-Custodial Wallet application (hereinafter, “Service”) You (hereinafter, “Client”, “You” and “Your”) are accepting the Terms of Service, and, therefore, agreeing to be bound by terms, conditions and warranties of these Terms as well as all applicable laws and regulations, and agree that You are responsible for compliance with any applicable international, domestic or local laws.
CLIENT SHOULD CAREFULLY READ THESE TERMS BEFORE STARTING USE OF SERVICE. HOWEVER, BY USING OR ACCESSING THE SERVICES IN ANY MANNER, YOU ACCEPT AND AGREE TO THESE TERMS AND THEY ARE BINDING FOR YOU WHETHER YOU ACTUALLY READ THEM OR NOT.
Credex Multipay UAB, incorporated in the Republic of Lithuania, having registered office at Eišiškių Sodų 18-oji g. 11, LT-02194, Vilnius (“We”, “Us” and “Our”) provides HAWEX Mobile, Web and Desktop Non-Custodial Wallet software program and its related services (“Service”) to individuals, corporate persons, personal companies and their analogues (“Client”) or those who have applied to Service themselves. We and Client hereinafter are jointly referred to as the Parties, and separately as the Party.
Entire Terms. These Terms of Service (these "Terms") (i) contain the terms and conditions that govern Your access to and use of the Services and (ii) constitute a legally binding agreement between Us and Client.
These Terms regarding to Service supersede, replace and terminate any prior, contemporaneous or further negotiations, representations, agreements and statements We might have between Us and Client regarding to Service, both oral and written, as well as any implied statutory or case-law or custom terms, conditions and warranties. Any other notices or documents do not constitute Terms and do not alter the present Terms unless this intention clearly and expressly specified.
Hereby We disclaim and negate all other terms, conditions and warranties of any kind, whether expressed or implied (both statutory, case-law or custom), including, but not limited to terms, conditions or warranties of merchantability, fitness for a particular purpose, or course of performance, or non-infringement of intellectual property or other violation of rights.
Acceptance of Terms. By signing up, and creating Client’s Account as described below, Client accepts Our Terms, as well as all applicable laws and regulations, and agree that Client are responsible for compliance with applicable international, domestic or local laws.
Since this moment the Terms is accepted and Client is the party of Terms.
If Client does not agree with any of the terms, Client is prohibited from using or accessing Service. These provisions are non-negotiable and Client can accept them solely on the whole. Any partial acceptance of Our Terms is unacceptable and not to be considered.
It is Client’s responsibility to accept or deny these Terms.
Severability. If any provision of Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be performed and enforced to the maximum extent permitted by law to reflect as closely as possible, the original intention of that provision, and the remaining provisions of Terms shall continue to remain in full force and effect.
Waivers. Failure on Our part to demand performance of any provision of these Terms shall not constitute a waiver of any of Our rights under these Terms.
Relationship. These Terms does not create any agency, partnership, employment or fiduciary relationship between Client and Us.
Assignment. Client may not assign or transfer Client’s rights and obligations under Terms without Our prior written consent. Any attempt or actual transfer by Client of his rights and obligations without Our prior written consent, shall be null and void.
Service is a non-custodial wallet that is a software program that You may, in accordance with these Terms, install on Your device(s) or use as a desktop version. It allows You to interact with Your cryptocurrencies, tokens and digital assets, as well as exchange, sell and buy cryptocurrencies, tokens and digital assets, negotiate and deal with other users.
You are solely in control of and responsible for Your cryptocurrencies, tokens and digital assets and private keys, and accordingly You can authorize transactions from Your wallet address. You expressly acknowledge and agree that as Service is a non-custodial wallet software, You are solely responsible for your activity and any risk of loss at all times.
Service is owned and operated by Credex Multipay UAB, incorporated in the Republic of Lithuania, having registered office at Eišiškių Sodų 18-oji g. 11, LT-02194, Vilnius.
We provide Client with possibility of integration and cross functionality with other products of HAWEX trademark. For utilising each product, Client should conclude a separate contract, accepting the Terms.
Trading and investing in digital assets involve substantial risk of losses and is not suitable for all types of investors. Please make sure that You are investing mindfully after understanding the nature, complexity and risks inherent in the trading of digital assets. You should not purchase digital assets unless You understand the extent of Your exposure to potential loss. Please make sure You are not risking funds You cannot afford to lose. In no event We be liable for any loss or damage of any kind incurred as a result of using the Service.
Using Service, You have access to the software designed, but You are also responsible for what You do with it.
You are responsible for preserving the device used to access Service and for non-disclosing Your identification information, Account credentials to Third Parties. To receive Service in a compliant and safe manner, You undertake the responsibilities under these Terms.
If You suppose that Account has been compromised, discover any suspicious activity in Account or have lost the device used to access Service, immediately let Us know via e-mail: admin@credexmultipay.com.
Wallet Address, Private Key, and Backup Capabilities. An encrypted backup of certain information associated with Your wallet can be stored on eligible devices. The private key is associated with the wallet address and, together, they can be used to authorize the transfer of digital assets to and from that wallet address. You are solely responsible for the retention and security of Your private key associated with Your wallet. You must keep Your wallet address and private key access information secure. It is very important that You backup Your private keys or passwords. Failure to do so may result in the loss of control of digital assets associated with Your wallet. You acknowledge and agree that We do not receive or store Your wallet password, encrypted private key, unencrypted private key associated with Your wallet. We cannot generate a new password for Your wallet if You fail to remember Your original password. If You have not safely stored a backup of any wallet address and private key pairs maintained in Your wallet, You accept and acknowledge that any digital assets You have associated with such wallet address will become inaccessible. Accordingly, We shall have no responsibility or liability whatsoever in the event You are unable to access Your wallet for any reason including without limitation Your failure to keep Your wallet address and private key information secure.
Account and wallet security. Notwithstanding the foregoing, You acknowledge and agree that You shall assume all risks related to the use of the Services and You shall be solely responsible for maintaining the confidentiality and security of your private key. When You create a wallet, You are strongly advised to take precautions in order to avoid loss of access to and/or control over Your wallet. Suggested measures include, but are not limited to, the following:
(i) creating a strong unique password that You do not use for any other purpose (i.e. different to Your phone password or any other passwords you use for websites, online services, etc.) and leveraging biometric authentication if available;
(ii) do not store the private key and Secret Phrase in plain text online or in an unsecured physical location;
(iii) limiting access to Your devices and Your wallet; (d) taking all necessary precautions against malware on Your devices and networks; and
(iv) promptly notifying Us if You discover or otherwise suspect any security breaches related to Your wallet.
Notwithstanding anything to the contrary herein, We shall have no liability whatsoever in connection with activities that occur on Your wallet with or without Your authorization.
Client must create Client’s personal account (“Account”) to create a wallet in order to access and use Services. Service features are activated and available only to users who have successfully completed the sign-on process. When you create a wallet, you will be assigned a private key.
In terms of offering non-custodial wallet, We do not conduct a Know Your Customer (KYC) operation and do not identify the Customer and its representatives and beneficiaries. When creating an Account, the Client agrees to provide Us with the Client's phone number.
Please be advised that We do not collect or process your personal data, except as provided for in Our Privacy Policy.
You are responsible for all activities that occur under Your Account, or are otherwise referable to Your Account credentials, whether or not You know about them, and You are solely responsible for Your conduct, and the tasks and activities You undertake, on or utilizing the Services.
Creating Client’s Account, Client agrees to:
(i) provide accurate, current and complete information;
(ii) maintain and promptly update Client’s Account information;
(iii) maintain the security and confidentiality of Client’s login credentials and restrict access to Client’s Account and Client’s device;
(iv) promptly notify Us if Client discovers or otherwise suspect any security breaches related to Service;
(v) take responsibility for all activities that occur under Client’s Account and accept all risks of unauthorised access and/or loss of access to the wallet due to the loss of private keys and passwords from Your wallet.
Service is designed for lawful use only.
Client’s use of Service is only permitted if Client abides the laws of the jurisdiction where Client resides and those of the Republic of Lithuania (where We are registered).
By accessing or using Service, Client agrees to do so in compliance with the Terms and with applicable laws and regulations. Client further represents and warrants that Client will not use Service if the laws of the Republic of Lithuania and the country where Client resides prohibit Client from doing so.
Creating Client’s Account, Client confirms that:
(i) Client has full legal capacity and ability to act in order to perform Terms;
(ii) Client has all rights, permissions, licenses and authorisations in order to perform Terms. If You are entering into these Terms for an entity, such as the company You work for, You represent and warrant that You have legal authority to bind that entity to these Terms;
(iii) Transactions and all their consequences are binding upon Client and do not cause infringements of the laws of the Republic of Lithuania or the laws of the place of performance of Terms;
(iv) all information supplied by Client to Us is true and not misleading. All documents and notices supplied by Client to Us are true and valid. Client shall update the information if the submitted information is not accurate anymore. Client shall bear any losses that occur due to submission of invalid data. Client has been informed of criminal responsibility for supplying Us with false information;
(v) Client has not offered, promised or given something or any preference to any Our employee, directly or indirectly, for the latter to act or abstain from any action in infringement of his duties;
(vi) Client is not engaged in money laundering, that is, concealing or disguising the criminal origin of funds or other estate obtained as a result of an illegal act, or in terrorism financing, and Client is only transacting on Service with legally-obtained funds that rightfully and lawfully belong to Client;
(vii) Client does not cooperate with any prohibited for cooperation country or territory included in financial sanctions regime, and does not cooperate with any jurisdiction or territory sanctioned or considered prohibited for cooperation by the United Nations Authorities or any other governmental authority with jurisdiction over Us or Service;
(viii) Client is not sanctioned including but not limited to the lists maintained by the United Nations Security Council, the U.S. Government (e.g., the Specially Designated Nationals List and Foreign Sanctions Evaders List of the U.S. Department of Treasury and the Entity List of the U.S. Department of Commerce), the European Union or its Member States by the United Nations Authorities or any other governmental authority with jurisdiction over Us or Service;
(ix) Client may not use Service if Client is a citizen or resident of any state, country, territory or other jurisdiction where Client’s use of Service would be illegal or otherwise violate any applicable law;
Client further represents that Client will not use Service to conduct any transaction with or on behalf of any person or entity listed in clauses from (vii) to (ix) above or otherwise in violation of applicable law. We may cease to provide Service to Client for any reason, and with no notice, if it determines that Client have violated any of the above representations. Client understands and consents that We may be legally required to detain, to deny Client’s access to, and to report to one or more governmental authorities in the event of certain sanctions imposing these obligations.
Client agrees to notify Us immediately in writing if Client’s status under any of the above provisions changes.
By using the Services, You further represent, warrant and covenant that:
(i) Any digital assets you transfer via the Services have been legally obtained by, and belong to, You;
(ii) You will not use the Services to transmit or exchange digital assets that are the direct or indirect proceeds of any criminal or fraudulent activity, including, without limitation, terrorism or tax evasion;
(iii) Any digital assets You use in connection with the Services are either owned by You or You are validly authorized to carry out actions using such assets;
Using Service, Client must refrain from:
(i) Breaching the provisions of Terms or any other applicable rules and instructions that We may convey with respect to Service;
(ii) Interfering with, burdening or disrupting the functionality of Service;
(iii) Breaching the security of Service or publicly identifying any security vulnerabilities in it;
(iv) Circumventing or manipulating the operation or functionality of Service, or attempting to enable features or functionalities that are otherwise disabled, inaccessible or undocumented in Service;
(v) Sending automated or machine-generated queries;
(vi) Impersonating any person or entity, or making any false statement pertaining to Client’s identity or affiliation with any person or entity;
(vii) Collecting, harvesting, obtaining or processing personal information regarding to Service’s users, without their prior explicit consent;
(viii) Abusing, harassing, threatening or intimidating other users of Service;
(ix) Linking to Service from web pages or applications that contain pornographic content or content that encourages racism or wrongful discrimination or other prohibited or harmful content;
(x) Engaging in any activity that constitutes a criminal offense or gives rise to civil liability;
(xi) Transferring Client’s Account to another person;
(xii) Violating any applicable law. This includes any local, provincial, state, federal, national, or international laws that may apply to You;
(xiii) Not use our Services to pay for, support, or otherwise engage in any illegal activities including, but not limited to, illegal or otherwise prohibited trade, illegal gambling, fraud, money laundering, or terrorist activities;
(xiv) Not encourage or induce any third party to engage in any of the activities prohibited under this Section;
(xv) Not reverse engineer or bypass, circumvent, or attempt to bypass or circumvent any measures that We may use to prevent or restrict access to the Services including, without limitation, other accounts, computer systems, or networks connected to the Services;
Client is solely responsible for the content for which the Client uses the Service and for the consequences associated with doing so.
Any use of the Service other than as specifically authorized in these Terms, without Our prior written permission, is strictly prohibited and We shall have the right to terminate Your access to use the Service immediately without notice.
It is Client’s responsibility to comply with local laws in respect to the legal usage of Service and the regulatory qualification of digital assets in Client’s jurisdiction, including compliance with local tax regulations.
Client is responsible for determining what taxes apply, for tax payment and for interacting with the appropriate tax authority.
We are not responsible for determining Client’s tax obligations and for the consequences of non-fulfilment of such obligations by the Client.
Not every digital asset can be accessed through Service as only a subset of cryptocurrencies and tokens are available within the Service. The selection of cryptocurrencies and tokens accessible through Service is subject to change at any time and We do not guarantee that any particular digital asset will continue to be available. Similarly, Third-Party Service information or other features of Service may be changed at any time at Our discretion according to usage, Service vision, or changes in the global blockchain industry.
We cannot and do not guarantee the value of cryptocurrency. Client acknowledges and agree that the value of cryptocurrency is highly volatile and that buying, selling, and holding cryptocurrency involves a high risk.
We are not a party to Client’s transactions, and are not responsible for them, so Client must carefully verify Client’s operations.
We are entitled to charge commissions and other Charges (“Charges”) for processing Client’s transactions.
The amount and requirements of these Charges are specified in the Fees and Charges (“Fees and Charges”).
We are entitled to unilaterally amend the Fees and Charges. We inform Clients of amendments to the Fees and Charges by means of publication at the website hawex.com or in the mobile application. The Client must independently check such amendments on the above-mentioned website. Additionally, We may inform each Client individually.
Whether Client disagrees to the amendments, Client is entitled to terminate Terms, without sanctions applied. At the same time, We have the right to charge commissions and other Charges that were valid at the time of termination of the Terms and that were not charged by Us earlier.
Whether Client fails to submit objections before the day on which amendments to the Fees and Charges come into force, Client shall be deemed to agree to those amendments.
The general currency exchange rates and reference interest rates (the rates We use to calculate the interest applicable to the transaction, which Client can check on publicly available sources) set by Us are not included in the Fees and Charges and shall be stated at the moment of rendering the respective service. Client consents that the general currency exchange rates and reference interest rates set by Us may be changed at any time without prior notification, considering currency exchange rate and reference interest rate fluctuations in financial markets.
Client agrees that the general currency exchange rate published at the website hawex.com may differ from the currency exchange rate applicable to a particular transaction, and We are entitled to inform Client about actual rate after execution of the transaction by means of account statement / report.
We are entitled to cease rendering Service without any notice if Client has not paid appropriate fee or charge. In such a case We are not responsible for Client’s losses or other additional expenses. We are entitled to continue rendering Service at Our own discretion and acquiring the corresponding rights to claim appropriate sums.
The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not completely secure, and is subject to possible loss, interception, or alteration while in transit. Accordingly, while We take commercially reasonable efforts to safeguard the privacy of the information Client provide to Us and treat such information in accordance with Our Privacy Policy. In no event will the information be deemed as confidential, create any fiduciary obligations to You on Our part, or result in any liability to You on Our part in the event that such information is inadvertently released by Us or accessed by third parties without Our consent.
Service may be used to interact with Third-Party Services.
Third-Party Services that Client interacts with through Service may require an account to use and Client may be required to become a party to an agreement with that Third Party for which Client is solely responsible. We are not a party to the purchase, sale or trade of any digital assets that are affected through Third-Party service providers, or any transactions involving fiat currency, and do not act as a seller or supplier. Any agreement that Client enter with any Third Party to purchase, sell or trade digital assets, or to send fiat currency, is between Client and that Third Party, and Client are solely responsible for ensuring that Client agree to applicable terms, and that the Third Party complies with all applicable laws that may apply to Client. Such agreements are not enforceable against Us, and do not bind Us or limit Our rights under these Terms or applicable law.
We are not responsible for the legal terms (e.g., “terms of use agreement”), privacy policies, or the practices and/or transactions of and involving the payment processor or the transaction service providers, or the compliance of these providers with legal requirements (in Client’s jurisdiction or elsewhere).
External links, brand names, and logos in Service are not endorsements. Even where Service may include language about “recommendations” these should be understood as being based on aggregate user behavior and not a specific recommendation for Client.
We have not reviewed these sites or links and are not responsible for the contents of any such linked site. Use of any such linked website is at the user’s own risk.
We strongly advise Client to read the terms and conditions and privacy policies of any Third-Party websites or services that Client visits.
We reserve the right to terminate or suspend access to these Third-Party Services immediately, without prior notice or liability, for any reason whatsoever.
We may use some Third-Party, including open source, solutions, provide Third-Party libraries to Client as part of Service’s solution but shall not be considered to be the owner or licensor of the Third-Party libraries. Please refer to the services and respect the relevant Third-Party licenses.
Client’s use of Service may be subject to additional Third-Party terms and conditions that govern that application marketplace from which Client downloaded the App, such as App Store or iTunes for IOS, Google Play or Amazon App-store for Android. Such Third Parties are not responsible for providing maintenance and support services with respect to Service.
In case of a conflict between Our Terms and the particular marketplace’s terms and conditions, the last will prevail.
Client must comply with applicable Third-Party terms of agreement when using Service.
Representations. Service is provided on an “as is” and “as available” basis without any warranty or representation expressed or implied.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any warranties or representations, expressed or implied, including that use of Service will always be safe, secure, or error-free, or that it will function without disruptions, delays, bugs, or imperfections, as well as any statements regarding capacity, suitability for use or performance of Service, or the content presented on, or through Service, whether or not made by Us.
Specifically, Client should be careful not to assume that a price of a digital asset in Service, or of a fiat currency, is the only possible price or even a “basic” price as the actual pricing may differ in Client’s local market or may be out-of-date for Client’s use case.
It is Client’s own responsibility to check any information or materials provided via Service, it does not usually require any special knowledge or skills.
Security and lawfulness of Service and its content.
We are unable to exercise control over the security and lawfulness of information passing over the network.
Service is only offered to Client if Client resides in jurisdiction where it may be lawfully offered and Client agree to be solely and fully responsible for determining whether the use of Service is compatible with laws of the jurisdiction where Client reside. The legality and compatibility with the applicable law of Client’s use of Service as well as particular way and extend of its use is at Client’s own risk.
Accuracy of Service’s content.
We are constantly updating Services and services which may be offered under HAWEX trademark. Services or services represented on Service may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information.
Service integrates many Third-Party data sources in an effort to provide relevant data to users but this data is typically beyond Our control. We do not have any liability to Client for incorrect data and Client should verify any data Client receives through Service before acting on it.
We cannot and do not guarantee the accuracy or completeness of any information, including prices, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
We do not make or give and neither Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of representations concerning the accuracy, likely results, or reliability of the use of any materials or otherwise relating to such materials or on any sites linked to this Service.
To the fullest extent permitted by applicable law, We and Our officers, directors, shareholders, employees, contractors and affiliates disclaim all warranties and representations, whether expressed or implied (both by statute and case-law), including implied warranties of merchantability, fitness for purposes or for particular purpose, title, quality, compatibility, performance, security, accuracy and non-infringement as well as enhanced goodwill or expected benefits, including, but not limited to:
(i) Service will function uninterrupted, secure or available at any particular time or location;
(ii) any errors or defects will be corrected;
(iii) Service will be compatible with Client’s computer, device or software;
(iv) the use of Service, including, without limitation, the browsing and downloading of any information, will be free of any viruses or other destructive, intrusive, or disruptive, or harmful components;
(v) the transmission of the information to and from Service will be secure;
(vi) the use of Service will not infringe the rights (including, without limitation, intellectual property rights) of any person;
(vii) the use of Service will not cause any damage to Client’s computer systems, software or electronic files;
(viii) the content presented on Service will be accurate, beneficial or reliable;
(ix) Service will meet Client’s requirements or expectations in any way, or the result of using Service will be satisfactory and will fit Client’s expectations or requirements.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement, representations or advice, expressed or implied, including investment, financial, trading, or any other sort of advice, and Client should not treat any of Service’s content as such, and should not rely upon this content in Client’s financial, trading, investment, business or other decisions.
Neither We recommend, nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to recommend that any cryptocurrency or fiat currency, any kind of securities, options, should be bought, sold, or held by Client, and nothing on Service’s content should be taken as advice to buy, sell or hold a cryptocurrency or any other financial instrument.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement of fact or law Client can rely on. Any information We provide Client with is subject to Client’s own further check, inquiry and proper due diligence.
As with any financial or investment decisions, Client should conduct Client’s own research and due diligence, to properly evaluate the benefits and risks of any investment or financial transaction. Client should also seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal counsels and investment advisors, in connection with any investment or financial transaction.
The information We provide Client with is given without any responsibility from Our side and We do not assume any responsibility for any information, statement, representation or advice. We are not responsible for any decisions Client make based on the information provided on Service.
Neither We make or give, nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to propose that Client buy any cryptocurrency or fiat currency, any kind of securities, options or other financial instrument, and nothing on Service’s content should be taken as an offer to buy, sell or hold a cryptocurrency or any other financial instrument.
In no event shall Credex Multipay UAB, nor its officers, directors, shareholders, employees, contractors, partners, agents, suppliers, or affiliates, be liable for any damages, including, without limitation, loss of profits, data, business, failure to use Service, customer’s misunderstanding of Service or any other loss, arising out of or connected to Service (including negligence), including, but not limited to:
(i) Client’s access to or use of or inability to access or use Service;
(ii) any Third-Party conduct or content on Service;
(iii) any content obtained from Service;
(iv) transmission or reception of harmful, infringing or unlawful information of whatever nature;
(v) any viruses or other harmful components contained on Service or spreading through it;
(vi) any statement or representations of fact or of law (both innocent and regardless, true or false);
(vii) lawfulness of Client’s use Service;
(viii) modification, suspension or discontinuance of Service or any its part;
(ix) any transactions made by Client or any Third Party, their legality, consequences, loss, damage and value of currencies;
(x) unauthorised access, use or alteration of Client’s transmissions or content, whether based on statute, case-law, contractual terms, conditions or warranties (both expressed and implied), tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage.
We disclaim and negate any responsibility for any representation or misrepresentation (including negligent), based on statute or case-law.
These Terms excludes any liability of Credex Multipay UAB, its officers, directors, shareholders, employees, contractors, partners, agents, suppliers, or affiliates to the fullest extent permitted by applicable law, including any obligation to take reasonable care or exercise reasonable skill in the performance of a contract where the obligation arises from statute or case-law, or from an expressed or implied provisions of Terms.
Under no circumstances We shall be responsible for any act or omission, including negligence, unless such act or omissions and their consequences could have been foreseen and avoided by the exercise of reasonable due diligence on Our part.
In the event, which would be held not to be covered by any of the exclusion clauses, including negligence or breach of Terms, including breach of conditions and so-called “fundamental breach”, Our liability is limited to the sum not exceeding EUR 100 (One hundred) for appropriately proven damage which is claimed within twelve-month period since the event.
We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond Our reasonable control, including but not limited to any acts of God, state, government or international authorities or bodies as well as Third Parties, labor disputes or other industrial disturbances, electrical, telecommunications, hardware, software or other utility or equipment failures, software or smart contract bugs or weaknesses, earthquakes, storms, or other nature-related events, blockages, embargoes, riots, strikes, acts or orders of government authority, acts of terrorism or war as well as other military activity, technological change, changes in interest rates or virtual currencies or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol.
To the maximum extent permitted by law, Client agree to release, indemnify, defend and hold harmless Credex Multipay UAB and its respective officers, agents, employees, directors, shareholders, successors, its independent contractors, service providers and consultants, and anyone acting on Our behalf, and assign from any loss, liability, claim, demand, damage costs and expenses (including, but not limited to, reasonable attorneys’ fees) asserted by any entity, resulting from any claim, allegation or demand, in any way connected with Client’s use (or misuse) of Service, transactions made (or not made) through Service, any and all claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trademark infringement, or any other cause of action, arising out of or related to:
(i) Client’s use of Service;
(ii) any User Content or Feedback Client provide;
(iii) Client’s violation of these Terms;
(iv) Client’s violation of any rights of another; or
(v) Client’s conduct in connection with Service.
If Client are obligated to indemnify us, We will have the right, in Our sole and unfettered discretion, to control any action or proceeding and determine whether We wish to settle it, and if so, on what terms.
Service is licensed to Client on a limited, revocable, personal, non-exclusive, non-transferrable, non-assignable, royalty-free, worldwide basis.
Client access and use Service solely for approved purposes as determined by these Terms. Any other use of Service is expressly prohibited.
The materials contained in Service are protected by applicable copyright and trademark law.
Client may not copy, reverse engineer, modify, frame, scrape, rent, lease, loan, sell, distribute, donate or create derivative works of Service’s content, in whole or in part, in any way or by any means, whether manual or automated.
Client may not use any name, mark, logo or domain name that is confusingly similar to Our marks, logos and Internet domain names. Client must refrain from any action or omission that may dilute or damage Our goodwill.
In case of violation of laws or regulations by the Client, or violation of the Terms by the Client, We may, without liability to the Client or any Third Party, refuse the Client to open an Account or use the Service by the Client.
Client may terminate Terms with Us at any time on the basis provided by law by closing Client’s Account and discontinuing use of Service or request to terminate Client’s Account by contacting Us via e-mail: admin@credexmultipay.com.
Upon suspension or cancellation on the basis of the previous clauses, Client will be denied access to Service and Client’s Account temporary or permanently.
Termination of Terms shall not entail termination of non-discharged obligations established before termination. All non-discharged obligations of the Parties established before terminating of Terms shall be discharged in accordance with the terms of Terms. Client remains liable for all transactions made while the Account was active as well as other non-discharged obligations established before termination.
Service could include technical, typographical, or photographic errors.
It is up to Client to check all information which We provide.
Service may evolve over time. This means We may make changes, replace, or discontinue (temporarily or permanently) Service at any time for any reason with or without notice. In this case, Client may be prevented from accessing or using Service. If, in Our sole discretion, We decide to permanently discontinue Service, We will provide Client with notice via Our website.
Due to the wide variety of operating systems, configurations, and unique circumstances of users it is not possible to guarantee that an update to Service will not cause unintended consequences for Client and We specifically disclaim any responsibility or liability for this risk.
Please be aware that We may revise Terms from time to time. Therefore, We reserve the right, at Our sole discretion, to update, change or replace any part of these Terms by posting updates and changes. Client might be notified about the updates of Terms, but it is Client’s responsibility to check periodically for changes.
We shall not be responsible for Client’s losses or other expenses, should Client fail to familiarise itself with amendments to Terms.
We advise Client to revisit the Terms pages as well as Fees and Charges page on Our website hawex.com from time to time to make sure Client are familiar with the current version of Terms. The effective date which is at the top of the document informs Client about the latest versions. Client’s continuing use of Service following the posting of any changes to Terms constitutes acceptance of those changes.
Whether Client disagrees to the amendments, it shall be entitled to terminate its business relations with Us that are affected by the proposed amendments immediately, before the day on which amendments become effective, without sanctions applied. Should the relations be terminated, Client shall submit all required documents to Us and take all required steps to discharge the obligations arising out of the legal relations between the Parties.
Amendments to Terms shall not apply to the transactions that have been executed and completed before the date on which amendments to Terms enter into effect.
In the event that We are acquired by or merged with a Third-Party entity, We reserve the right, in any of these circumstances, to transfer or assign the information We have collected from Client as part of such merger, acquisition, sale, or other change of control.
Regardless Client’s place of residence or where Client accesses or uses Service, these Terms is governed by the laws of the Republic of Lithuania.
The competent courts of the Republic of Lithuania in Vilnius have exclusive and sole jurisdiction over any dispute, claim or controversy relating to Service or with respect to any matter relating to these Terms. You hereby expressly consent to personal jurisdiction in the Republic of Lithuania and expressly waive any right to object to such personal jurisdiction or bring any proceeding before any other court of any other jurisdiction.
Any dispute, claim or controversy (“Claim”) relating to Service or with respect to any matter relating to these Terms shall be resolved by the Parties through negotiations.
Notwithstanding the foregoing, We may lodge Claim against Client pursuant to the indemnity clause above in any court adjudicating Claim against us.
Our failure to enforce any right or provision of Terms will not be considered a waiver of those rights. If any provision of Terms is held to be invalid or unenforceable by a court, the remaining provisions of Terms remain in effect.
Client agrees that the Terms, Fees and Charges, Our Privacy Policy and other notices have been drawn up in English. Although translations to other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, Client agrees that in the event of any conflict, inconsistency, contradiction, ambiguity or doubt between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.
The present Terms, Fees and Charges, Our Privacy Policy and other notices as well as their separate provisions should be interpreted according to the ordinary natural meaning of wording, overall nature and purposes of the documents and business common sense as an ordinary reasonable and decent person would understand them.
We respect Client’s privacy as further explained in Our Privacy Policy.
Contacting us: admin@credexmultipay.com.
Credex Multipay UAB is committed to protecting Your privacy.
This Privacy Policy explains how we handle data, including what we collect and how we obtain it, how we use it, when and if we disclose it, and some of your options for managing your data with Credex Multipay UAB with regard to our app.
This Privacy Policy explains how personal data is processed by Credex Multipay UAB.
Credex Multipay UAB is a company incorporated in the Republic of Lithuania having registered office at Eisiskiu Sodu18-oji g.11, LT-02194 Vilnius, Republic of Lithuania.
The words “we”, “our”, “us” refer to Credex Multipay UAB.
Our Data Protection Officer is Romans Nekrutenko. You may contact them by emailing our Data Protection Officer email address: dpo@credexmultipay.com.
If you have questions, please contact us at admin@credexmultipay.com.
Purpose of Processing How we collect the data Data Subjects: Categories of Data Storage Period Legal Basis Directly from you User: ID photo; selfie; proof of address; video; country; tax number; taxpayer residence; occupation; type of future transactions; monthly turnover of incoming payments (in EUR equivalent); monthly turnover of outgoing payments (in EUR equivalent); number of outgoing payments per month. Five (5) years after onboarding Compliance with a legal obligation User: Email; profile ID; photo; username; currency; network; user's wallet address; buyer's or seller's wallet address; transaction amount; risk score; number of confirmations; network fee; service fee. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary for the performance of a contract to which you are a party. We will not be able to provide you with our service if you fail to provide the data Directly from you Automatically through your use of our service Our users: Data about your account and data from the message to the support; email. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Our legitimate interests to improve the quality of our Service AML/KYC compliance: transaction information storage Directly from you Automatically through your use of our service User: Information about transaction, including sum of transaction, time, corresponding account. Compliance with a legal obligation Directly from you Automatically through your use of our service User: Information about transaction, including sum of transaction, time, corresponding account. Compliance with a legal obligation Directly from you User: Content of the correspondence. Five (5) years after receiving (sending) the correspondence Compliance with a legal obligationOnboarding Service provision Directly from you In-service communication, such as communication with the support team Five (5) years after the transaction AML/KYC compliance: Suspicious Activity Report (SAR) Five (5) years after the event AML/KYC compliance: business correspondence with user
Your information is securely stored on our services located in the EU.
We keep your personal information for the time period specified above for each type of data. We will then dispose this information by deleting rows from the database.
In cases specified by the legislation of the EU or other applicable law we may store and handle your personal information after achieving the original purposes of data processing or the end of time period specified above.
According to art. 1.125 Civil Code of the Republic of Lithuania, of July 18, 2000, № VIII-1864 we reserve the right to extend the term of storage your data if we have any reasons to consider that the processing is necessary to initiate or defend against any actions to claim rights or legal proceedings, or related to judicial or security procedures. According to the art. 1.125 Civil Code of the Republic of Lithuania General prescription comprises a period of ten (10) years.
We use third-party service providers to help us provide the Services and give support.
They only receive data needed to provide their services to us. We have agreements with our service providers that say they cannot use any of this data for their own purposes or for the purposes of another third party.
We prohibit our service providers from selling data they receive from us or receive on our behalf.
We require service providers to use data only in order to perform the services we have hired them to do (unless otherwise required by law). For example, we may use a company to help us provide client support. The information they may receive as part of providing that support cannot be used by them for anything else.
Acting as Controller we share your data with the following processors and categories of processors:
| Processors, their Location and the Link to Privacy Policy / Website if applicable | Purpose of Transfer | Safeguards for restricted transfers (outside the LT) |
| Contractors | Human Resources | We use International Data Transfer Agreements, Standard contractual clauses to ensure that your data is properly protected |
| Sum and Substance LTD, UK | Remote identity verification, fraud prevention, enforcement of AML/CFT laws and regulations, internal risk management and due diligence procedures | Adequate country (UK) |
| MessageBird B.V. | SMS and 2fa services | Adequate country (NL) |
| Google LLC (the USA) | Google play, push notifications, Mobile analytics, Web Analytics Service Provider (Google Analytics) | We conclude a contract that obliges the Processor to implement the provisions, measures, controls and requirements set out in the EU legislation, including provisions related to imposing appropriate measures to protect personal data and provide you with legally recognised and enforceable measures to protect your rights as well as recognised and enforceable legal remedies |
| APPLE INC. (the USA) | App Store Connect | We conclude a contract that obliges the Processor to implement the provisions, measures, controls and requirements set out in the EU legislation, including provisions related to imposing appropriate measures to protect personal data and provide you with legally recognised and enforceable measures to protect your rights as well as recognised and enforceable legal remedies |
| Amplitude INC. (the USA) | Web Analytics Service Provider (Amplitude) | We conclude a contract that obliges the Processor to implement the provisions, measures, controls and requirements set out in the EU legislation, including provisions related to imposing appropriate measures to protect personal data and provide you with legally recognised and enforceable measures to protect your rights as well as recognised and enforceable legal remedies |
We do not make any automated decisions about you that would result in legal or other similarly significant effects on you.
You have the following rights under the GDPR concerning personal data: the right to information, right to access, right to rectification, right to withdraw consent, right to object against processing for specific purposes (such as direct marketing), right to object to automated processing, right to be forgotten and right for data portability (copy of personal data in a commonly used machine–readable format).
You may also exercise the mentioned rights by contacting us via email at dpo@credexmultipay.com.
You also have the right to lodge a complaint with a supervisory authority, in particular in the Member State of your habitual residence, place of work, or where an alleged infringement of the GDPR has taken place.
We regularly update this Policy in case there are significant changes in the way we process your personal data.
You will receive a notification prior to such significant changes become effective by email if you provided us with your email address, by our mobile app or by pop-up notice on our website.
Credex Multipay UAB is committed to protecting Your privacy.
This Privacy Policy explains how we handle data in accordance with the General Data Protection Regulation (Regulation (EU) 2016/679) (hereafter, GDPR),the Republic of Lithuania Law on Legal Protection of Personal Date No I-1374 (hereafter, Personal Data Protection Law) and the Directive on privacy and electronic communications (Directive 2002/58/EC) (hereafter, ePrivacy Directive), including what we collect and how we obtain it, how we use it, when and in what case we disclose it, and some of your options for managing your data with Credex Multipay UAB with regard to:
● our services;
● our websites.
Credex Multipay UAB is incorporated in the Republic of Lithuania, having registered office at Eišiškių Sodų 18-oji g. 11, LT-02194, Vilnius.
The words “we”, “our”, “us” refer to Credex Multipay UAB.
Our Data Protection Officer is Romans Nekrutenko. You may contact them by emailing our Data Protection Officer email address: dpo@credexmultipay.com.
If you have questions, please contact us at admin@credexmultipay.com.
Purpose of Processing How we collect the data Data Subjects: Categories of Data Storage Period Legal Basis Directly from you Our merchants: Contact information provided by you within the Service, such as email address and mobile number. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary to perform a contract to which the Data Subject is a party or to take, at the request of the Data Subject, procedures for concluding, amending or terminating a contract (art. (2) (1) 5 Personal Data Protection Law) We will not be able to provide you with our service if you fail to provide the data Directly from you Our merchants: Email; merchant's bank account details; merchant's wallet address. Authorised persons: name, surname; date of birth; place of birth; ID; mobile number; address of residency; address of citizenship; PEP status; base for authorisation; email. Beneficiary: name, surname; date of birth; place of birth; ID; address; address of residency; address of citizenship; PEP status; share in company; source of wealth; source of fund; experience. 5 years after the end of business relationship The Processing is necessary to fulfil obligations imposed on us by the legislation of Lithuania (art. (3) (1) 5 Personal Data Protection Law) Our merchants: Email; wallet address; merchant's bank account details; transaction amount; currency; network; order ID; invoice ID. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary to perform a contract to which the Data Subject is a party or to take, at the request of the Data Subject, procedures for concluding, amending or terminating a contract (art. (2) (1) 5 Personal Data Protection Law) We will not be able to provide you with our service if you fail to provide the data Directly from you Automatically through your use of our service Our users: Data about your account and data from the message to the support; email. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary to perform a contract to which the Data Subject is a party or to take, at the request of the Data Subject, procedures for concluding, amending or terminating a contract (art. (4) (1) 5 Personal Data Protection Law) We will not be able to provide you with our service if you fail to provide the data Our website visitors: IP-address, OS type and version, browser type and version, type of device and its display resolution. 2 years or until you withdraw your consent whichever happened earlier Your consent to store cookies in your browser (art. (25) ePrivacy Directive and art. (30) GDPR) You may withdraw your consent at any time by changing the settings of your web browser as set in our Cookie PolicyRegistration Onboarding Service provision Directly from you In-service communication, such as communication with the support team To better understand your preferences, to help you navigate our website, to personalise and provide a more convenient experience to you, to analyse which pages you visit, and to measure advertising and promotional effectiveness Automatically through your use of our websites
Your information is securely stored on partner cloud servers and located in Lithuania.
We keep your personal information for the time period specified above for each type of data. We will then dispose this information by deleting rows from the database.
In cases specified by the legislation of Lithuania or other applicable law we may store and handle your personal information after achieving the original purposes of data processing or the end of time period specified above.
According to art. 24 GDPR and art. 5 Personal Data Protection Law we reserve the right to extend the term of storage your data if we have any reasons to consider that the processing is necessary to initiate or defend against any actions to claim rights or legal proceedings, or related to judicial or security procedures. According to the art. 1.125 of the Civil Code of the Republic of Lithuania from 18 July 2000 No. VIII-1864 the limitation period for civil claims for rights arising from contractual relationship is ten (10) years.
We use third-party service providers to help us provide the Services and give support.
They only receive data needed to provide their services to us. We have agreements with our service providers that say they cannot use any of this data for their own purposes or for the purposes of another third party.
We prohibit our service providers from selling data they receive from us or receive on our behalf.
We require service providers to use data only in order to perform the services we have hired them to do (unless otherwise required by law). For example, we may use a company to help us provide client support. The information they may receive as part of providing that support cannot be used by them for anything else.
We contractually oblige our service providers to provide sufficient guarantees to apply technical and organisational measures in a manner that ensures that the processing meets the requirements, rules and controls stipulated in GDPR and Personal Data Protection Law, and other applicable legislation, statutory instruments, administrative acts and guidelines.
Acting as Controller we share your data with the following processors and categories of processors:
| Processors, their Location and the Link to Privacy Policy / Website if applicable | Purpose of Transfer | Safeguards for restricted transfers (outside the EEA and ‘adequate’ jurisdictions) |
| Microsoft Ireland Operations Limited | Hosting Service Provider | Adequate country |
| Contractors | Human resources | We use Data processing agreements to ensure that your data is properly protected |
| Sum and Substance LTD, UK | Remote identity verification, fraud prevention, enforcement of AML/CFT laws and regulations, internal risk management and due diligence procedures | Adequate country |
| Amplitude Inc (the USA) | Web Analytics Service Provider (Amplitude) | We conclude a contract that obliges the Processor to implement the provisions, measures, controls and requirements set out in UAE Law N 45 / 2021, including provisions related to imposing appropriate measures to protect personal data and provide you with legally recognised and enforceable measures to protect your rights as well as recognised and enforceable legal remedies |
AML/KYC compliance: transaction information storage
| Directly from you Automatically through your use of our service | User: Information about transaction, including sum of transaction, currency, time, corresponding account |
| AML/KYC compliance: Suspicious Activity Report (SAR) | Directly from you Automatically through your use of our service | User: Information about transaction, including sum of transaction, currency, time, corresponding account |
| AML/KYC compliance: business correspondence with user | Directly from you
| User: Content of the correspondence |
We do not make any automated decisions about you that would result in legal or other similarly significant effects on you.
Please read our Cookie Policy for information about cookies.
You have the following rights under the GDPR and the Personal Data Protection Law concerning personal data: the right to obtain information (art. (c) (1) 13 GDPR and art. (1) (1) 23 Personal Data Protection Law), right to request personal data transfer (art. (2) (1) 23 Personal Data Protection Law), right to correction or erasure personal data and right to restrict processing and right to stop processing (art. (3) (1) 23 Personal Data Protection Law), right to object against the processing (art. (4) (1) 23 Personal Data Protection Law).
You may also exercise the mentioned rights by contacting us via email at admin@credexmultipay.com.
You also have the right to lodge a complaint with the State Data Protection Inspectorate (SDPI) if you have reasons to believe that your personal data has been processed unlawfully or any of your rights as a data subject violated. The procedures and rules regarding to complaints are to be established by the State Data Protection Inspectorate (SDPI).
We regularly update this Policy in case there are significant changes in the way we process your personal data.
You will receive a notification prior to such significant changes become effective by email if you provided us with your email address, by our mobile app or by pop-up notice on our website.
HAWEX GROUP LTD is committed to protecting your privacy.
This Privacy Policy explains how we handle data, including what we collect and how we obtain it, how we use it, when and if we disclose it, and some of your options for managing your data with HAWEX GROUP LTD with regard to:
● our services;
● our websites.
This Privacy Policy explains how personal data is processed by HAWEX GROUP LTD.
HAWEX GROUP LTD is a company incorporated in the United Kingdom and having its registered office at Unit 111470, Second Floor, 6 Market Place, London, Fitzrovia, W1W 8AF, United Kingdom.
The words “we”, “our”, “us” refer to HAWEX GROUP LTD.
Our Data Protection Officer is Adelina Gainutdinova. You may contact them by emailing our Data Protection Officer email address: dpo@hawex.com.
If you have questions, please contact us at info@hawex.com.
Purpose of Processing How we collect the data? Data Subjects: Categories of Data Storage Period Legal Basis Directly from you Our website visitors: Contact information provided by you before you start using the Service, such name; mobile number; email address; telegram nickname. Within the terms specified by law We will not be able to provide you with our service if you fail to provide the data Directly from you Our Customers: Email. Authorized persons: name, surname; date of birth; place of birth; ID; mobile number; address of residency; address of citizenship; PEP status; base for authorization; email. Beneficiary: name, surname; date of birth; place of birth; ID; address of residency; address of citizenship; PEP status; share in company; source of wealth; source of fund; experience. 5 years after the termination of a contract Compliance with a legal obligation Customer: Email. Customer’s assistants: Email; mobile number; name. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary for the performance of a contract to which you are a party. We will not be able to provide you with our service if you fail to provide the data Directly from you Automatically through your use of our service Our users: Data about your account and data from the message to support; email. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Our website visitors: IP-address, OS type and version, browser type and version, type of device and its display resolution. 2 years or until you withdraw your consent whichever happened earlier Your consent to store cookies in your browser You may withdraw your consent at any time by changing the settings of your web browser as set in our Cookie PolicyApplication Onboarding Service provision Directly from you In-service communication, such as communication with the support team Our legitimate interests to improve the quality of our Service To better understand your preferences, to help you navigate our website, to personalize and provide a more convenient experience to you, to analyze which pages you visit, and to measure advertising and promotional effectiveness Automatically through your use of our websites
Your information is securely stored on our services located in United Kingdom.
We keep your personal information for the time period specified above for each type of data. We will then dispose this information by deleting rows from the database.
In cases specified by the legislation of UK or other applicable law we may store and handle your personal information after achieving the original purposes of data processing or the end of time period specified above.
According to art. 5 Limitation Act 1980 we reserve the right to extend the term of storage your data if we have any reasons to consider that the processing is necessary to initiate or defend against any actions to claim rights or legal proceedings, or related to judicial or security procedures. According to the art. 5 Limitation Act 1980 an action founded on simple contract shall not be brought after the expiration of six (6) years from the date on which the cause of action accrued.
We use third-party service providers to help us provide the Services and give support.
They only receive data needed to provide their services to us. We have agreements with our service providers that say they cannot use any of this data for their own purposes or for the purposes of another third party.
We prohibit our service providers from selling data they receive from us or receive on our behalf.
We require service providers to use data only in order to perform the services we have hired them to do (unless otherwise required by law). For example, we may use a company to help us provide client support. The information they may receive as part of providing that support cannot be used by them for anything else.
Acting as a Controller we share your data with the following processors:
| Processors, their Location and the Link to Privacy Policy / Website if applicable | Purpose of Transfer | Safeguards for restricted transfers (outside the EEA and ‘adequate’ jurisdictions) |
Microsoft Ireland Operations Limited
| Hosting Service Provider | Adequate country |
| Contractors | Human Resources | We use International Data Transfer Agreements, Standard contractual clauses to ensure that your data is properly protected |
| amoCRM JSC | CRM Provider | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Sum and Substance LTD | Remote identity verification, fraud prevention, enforcement of AML/CFT laws and regulations, internal risk management and due diligence procedures | UK |
| Decta Limited | Internet acquiring provider | UK |
| Nuvei Limited | Internet acquiring provider | Adequate country |
| Paycore.io Limited | Payment gateway provider | UK |
| Roistat Inc. | Web Analytics Service Provider | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Meta Platforms Inc. | Web Analytics Service Provider (Facebook Analytics) | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Yandex Oy | Web Analytics Service Provider (Yandex.Metrika) | Adequate country |
| Google LLC (the USA) | Web Analytics Service Provider (Google Analytics) | We use International Data Transfer Agreement to ensure that your data is properly protected |
We do not make any automated decisions about you that would result in legal or other similarly significant effects on you.
Please read our Cookie Policy for information about cookies.
You have the following rights under the UK GDPR concerning personal data: the right to information, right to access, right to rectification, right to withdraw consent, right to object against processing for specific purposes (such as direct marketing), right to object to automated processing, right to be forgotten and right for data portability (copy of personal data in a commonly used machine–readable format).
You may also exercise the mentioned rights by contacting us via email at dpo@hawex.com.
If you have any concerns about our use of your personal information, you can make a complaint to us at dpo@hawex.com.
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk
We regularly update this Policy in case there are significant changes in the way we process your personal data.
You will receive a notification prior to such significant changes become effective by email if you provided us with your email address, by our mobile app or by pop-up notice on our website.
HAWEX GROUP LTD is committed to protecting your privacy.
This Privacy Policy explains how we handle data, including what we collect and how we obtain it, how we use it, when and if we disclose it, and some of your options for managing your data with HAWEX GROUP LTD with regard to:
● our services;
● our websites.
This Privacy Policy explains how personal data is processed by HAWEX GROUP LTD.
HAWEX GROUP LTD is a company incorporated in the United Kingdom and having its registered office at Unit 111470, Second Floor, 6 Market Place, London, Fitzrovia, W1W 8AF, United Kingdom.
The words “we”, “our”, “us” refer to HAWEX GROUP LTD.
Our Data Protection Officer is Adelina Gainutdinova. You may contact them by emailing our Data Protection Officer email address: dpo@hawex.com.
If you have questions, please contact us at info@hawex.com.
Purpose of Processing How we collect the data? Data Subjects: Categories of Data Storage Period Legal Basis Directly from you Our website visitors: Contact information provided by you before you start using the Service, such name; mobile number; email address; telegram nickname. Within the terms specified by law We will not be able to provide you with our service if you fail to provide the data Directly from you Our Customers: Email. Authorized persons: name, surname; date of birth; place of birth; ID; mobile number; address of residency; address of citizenship; PEP status; base for authorization; email. Beneficiary: name, surname; date of birth; place of birth; ID; address of residency; address of citizenship; PEP status; share in company; source of wealth; source of fund; experience. 5 years after the termination of a contract Compliance with a legal obligation Customer: Email. Customer’s assistants: Email; mobile number; name. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Processing is necessary for the performance of a contract to which you are a party. We will not be able to provide you with our service if you fail to provide the data Directly from you Automatically through your use of our service Our users: Data about your account and data from the message to support; email. Until the termination of a contract or until the deletion of an account whichever happened earlier, and within the terms specified by law Our website visitors: IP-address, OS type and version, browser type and version, type of device and its display resolution. 2 years or until you withdraw your consent whichever happened earlier Your consent to store cookies in your browser You may withdraw your consent at any time by changing the settings of your web browser as set in our Cookie PolicyApplication Onboarding Service provision Directly from you In-service communication, such as communication with the support team Our legitimate interests to improve the quality of our Service To better understand your preferences, to help you navigate our website, to personalize and provide a more convenient experience to you, to analyze which pages you visit, and to measure advertising and promotional effectiveness Automatically through your use of our websites
Your information is securely stored on our services located in United Kingdom.
We keep your personal information for the time period specified above for each type of data. We will then dispose this information by deleting rows from the database.
In cases specified by the legislation of UK or other applicable law we may store and handle your personal information after achieving the original purposes of data processing or the end of time period specified above.
According to art. 5 Limitation Act 1980 we reserve the right to extend the term of storage your data if we have any reasons to consider that the processing is necessary to initiate or defend against any actions to claim rights or legal proceedings, or related to judicial or security procedures. According to the art. 5 Limitation Act 1980 an action founded on simple contract shall not be brought after the expiration of six (6) years from the date on which the cause of action accrued.
We use third-party service providers to help us provide the Services and give support.
They only receive data needed to provide their services to us. We have agreements with our service providers that say they cannot use any of this data for their own purposes or for the purposes of another third party.
We prohibit our service providers from selling data they receive from us or receive on our behalf.
We require service providers to use data only in order to perform the services we have hired them to do (unless otherwise required by law). For example, we may use a company to help us provide client support. The information they may receive as part of providing that support cannot be used by them for anything else.
Acting as a Controller we share your data with the following processors:
| Processors, their Location and the Link to Privacy Policy / Website if applicable | Purpose of Transfer | Safeguards for restricted transfers (outside the EEA and ‘adequate’ jurisdictions) |
Microsoft Ireland Operations Limited
| Hosting Service Provider | Adequate country |
| Contractors | Human Resources | We use International Data Transfer Agreements, Standard contractual clauses to ensure that your data is properly protected |
| amoCRM JSC | CRM Provider | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Dzing finance LTD | Principal for issuing IBAN and payment cards | UK |
| Sum and Substance LTD | Remote identity verification, fraud prevention, enforcement of AML/CFT laws and regulations, internal risk management and due diligence procedures | UK |
| Roistat Inc. | Web Analytics Service Provider | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Meta Platforms Inc. | Web Analytics Service Provider (Facebook Analytics) | We use International Data Transfer Agreement to ensure that your data is properly protected |
| Yandex Oy | Web Analytics Service Provider (Yandex.Metrika) | Adequate country |
| Google LLC (the USA) | Web Analytics Service Provider (Google Analytics) | We use International Data Transfer Agreement to ensure that your data is properly protected |
We do not make any automated decisions about you that would result in legal or other similarly significant effects on you.
Please read our Cookie Policy for information about cookies.
You have the following rights under the UK GDPR concerning personal data: the right to information, right to access, right to rectification, right to withdraw consent, right to object against processing for specific purposes (such as direct marketing), right to object to automated processing, right to be forgotten and right for data portability (copy of personal data in a commonly used machine–readable format).
You may also exercise the mentioned rights by contacting us via email at dpo@hawex.com.
If you have any concerns about our use of your personal information, you can make a complaint to us at dpo@hawex.com.
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk
We regularly update this Policy in case there are significant changes in the way we process your personal data.
You will receive a notification prior to such significant changes become effective by email if you provided us with your email address, by our mobile app or by pop-up notice on our website.
