Privacy Policy

Before using Debit you are required to acquaint yourself with the Terms of Use (“Terms”) and this Privacy Policy (“Policy”) regulating the collection, processing and use of your personal data which forms an integral part of the Terms.

 

Service provision

You acknowledge that DEBITO TECHNOLOGIES s.r.o., company ID number: 054 50 454, registered office: Starochodovská 1360/78, 149 00 Prague 4, Czech Republic(“Provider”) may, as a data controller, process your personal data in a scope specified hereunder as necessary for the performance of a contract arising out of the Terms. The purpose of this personal data processing is service provisionwhich includes, but is not limited to, setting up and keeping your Debito account, ensuring Debito features and providing support.

 

Minimum scope of your personal data required for a conclusion of a contract with the Provider and setting up and keeping your Debito account include your e-mail address, login credentialsand language. Provision of other personal data is completely voluntary and therefore the scope of the data being processed by the Provider depends mainly on the Debito application features you want to use. You agree to provide the Provider always only accurate, truthful and current personal data and keep it up to date.

 

In case you want to use login through Facebook or Google account, the Provider will process identification details of the respective social media account.

 

As long as you will use the financial tracking and budgeting feature of Debito application the Provider will process your personal and personal financial information(such as incomes, expenses and their details, contracts, id cards, customers cards,  budgets etc.) based on your input. In case you will use the payment account synchronization feature of Debito application the Provider will process also credentials to access the payment account, transaction details(such as amount, description, note, date and currency) and the payment account details(such as account number, account name, balance, currency, and type of account).

 

In order to get more personalized experience and better financial advice, you can also fill out your Debito account and let us process your personal data including profile photo, birth date, sex, family status, place of residence, housing situation,educationand employment details, property detailsand economic situation.

 

You furthermore acknowledge that as a part of the personal data processing for the purpose of service provision the Provider may use profiling to analyze or predict aspects concerning your family status, housing situation, education and employment, property details and economic situation, as well as behavior in order to deliver you the best personalized experience and financial advice. This profiling doesn’t result in any automated decision-making which would produce legal effects to you or would have similarly significant consequence.

 

All personal data categories mentioned above in this section can be hereinafter referred to as “Personal data”. The Personal data will be processed by the Provider for the purpose of service provision until you delete it or until you or the Provider will terminate the Agreement.

 

Sending marketing communications

You acknowledge that the Provider, as a data controller, may use your e-mail addressand your Debito user’s accountand its details it has obtained in the course of registration to send you direct marketing communications regarding Debito or financial products you are using. Your e-mail may be used by the Provider until you opt out. You can opt out at any time by clicking on the “unsubscribe” link in the respective e-mail or by another action described therein.

 

Marketing

You can give the Provider, as a data controller, consent to process your Personal data for marketing purposes, particularly in order to create audiences and otherwise personalize your ad experience, including marketing communications. The Personal data will be processed by the Provider for marketing purposes until you withdraw your consent. You can withdraw your consent at any time by sending email containing withdrawal of the consent to info@debito.eu.

 

You acknowledge that as a part of the personal data processing for marketing purposes the Provider may use profiling to analyze or predict aspects concerning your family status, housing situation, education and employment, property details and economic situation, as well as behavior in order to deliver you the best ad experience. This profiling doesn’t result in any automated decision-making which would produce legal effects to you or would have similarly significant consequence.

 

Service improvement and development

You acknowledge that the Provider may, as a data controller, process your Personal data for the purposes of legitimate interests in improving and developing Debito application by the Provider, which includes also anonymization of the data. Where possible the Provider will use for this purpose only anonymized data. The Personal data will be processed by the Provider for the purposes of legitimate interests in improving and developing Debito application only for the necessary period of time, maximum until you or the Provider will terminate the Agreement.

 

You acknowledge that as a part of the personal data processing for purposes of legitimate interests in improving and developing Debito application the Provider may use profiling to analyze or predict aspects concerning your family status, housing situation, education and employment, property details and economic situation, as well as behaviour in order to develop new features and test them. This profiling doesn’t result in any automated decision-making which would produce legal effects to you or would have similarly significant consequence.

 

Recipients and transfers to third countries

The Provider may appoint third parties – data processors to perform some of the personal data processing operations, however only for the purposes specified in this Policy, on a basis of written agreement and under statutory conditions.

 

Otherwise the Provider does not transfer or disclose your Personal Data to any third parties unless you have consented otherwise under this Policy or initiated the disclosure or except as required by the applicable laws.

 

For the transfer of personal data to the USA, there is no Commission decision on adequate protection and therefore the transfer is carried out on the basis of appropriate safeguards in the form of standard clauses or “Privacy Shield” certification. A copy of your Personal data can be obtained from the data processors through the Provider.

 

Your rights

You acknowledge that in relation to the Personal data processing you have the right to access your Personal data. If you find or presume that the Provider or any of data processors is carrying out processing of your Personal data which is in contradiction with the protection of your private and personal life or with the law, you are entitled to contact them with a complaint concerning the processing of your Personal data and ask for explanation and/or require them to remedy the arisen state of affairs, in particular by restriction of the processing, rectification, supplementing or erasure of your personal data.

 

You acknowledge that you have also right to object, on grounds relating to your particular situation, to processing based on legitimate interest (service improvement and development), including profiling. You furthermore acknowledge that you have also right to object to processing for direct marketing purposes.Where you object to processing, the Provider will no longer process your Personal data for the respective purposes.

 

You acknowledge that you have the right to receive your Personal data, which you have provided to the Provider, in a structured, commonly used and machine-readable format and the right to transmit those data to another controller without hindrance from the Provider. In exercising this right, you have the right to have your Personal data transmitted directly from the Provider to another controller, where technically feasible. The export feature of Debito application (desktop version) allows you to receive your personal financial information data at any time.

 

You acknowledge that you can also contact directly the Office for Personal Data Protection of the Czech Republic with your complaint.

 

Payment information and on-line banking credentials

When you make purchases through Debito application, your credit card information and other data are not collected and stored by the Provider, but only by third party payment processors.

 

In case you use the payment account synchronization feature of Debito, your on-line banking credentials are by default used only upon your manual entry and are not stored by Provider as a data processor.

 

Location

Some of the Debito application features may access and collect your current location data, including GPS coordinates or other similar information regarding the location of your device. Some features of Debito application may not function properly if use of location data is blocked or disabled.

 

Facebook or Google Login

You may also sign up for Debito with your personal Facebook or Google account. In that case, you shall give Provider all the requested permissions to collect your Personal Data.

 

Technical Data

You acknowledge that Provider may collect and use technical data, including but not limited to information about your mobile device and system, Internet connection or your use of Debito application. The purpose of the collection of technical data is to ensure quality, increase your comfort and further analyze and develop Debito and related services.

 

Technical data is anonymous and stored separately from the Personal Data, therefore it cannot be linked back to you in any way in order to identify you.

 

Cookies

Cookies are small pieces of data that are stored on your device to help mobile phone applications like Debito application to remember certain information. Cookies may contain Personal data.

 

Debito application is using cookies in order to keep your settings, for security reasons, to analyze your use of Debito and for targeting advertisement. You can always block use of cookies or delete existing cookies by changing the settings of your browser or device, however it can affect the functionality of Debito application.

 

Data security

Your Personal Data is stored and processed automatically in the electronic form on the secure servers with firewall protection and physical security measures. Provider’s database servers are located exclusively within the European Union and Provider has to comply with its high data protection standards.

 

Your Personal Data is always transferred from you or your on-line banking server to the data processing servers using secure SSL connections.

 

You acknowledge that even Provider and other data processors use all standard security measures, the security of your Personal Data and other information can’t be 100% guaranteed.

 

Contact information

If you have any queries relating to the protection and security of your data, please contact Provider’s data protection officer at DPofficer@debito.czor at the following postal address: DEBITO TECHNOLOGIES s.r.o., Starochodovská 1360/78, 149 00 Prague 4, Czech Republic.