Privacy Policy
Financial Topics is well aware of the importance of personal information to you and will do its best to protect your personal information. We are committed to maintaining your trust in us and adhering to the following principles to protect your personal information: the principle of consistency of rights and responsibilities, the principle of clear purpose, the principle of consent, the principle of minimum sufficiency, the principle of ensuring safety, the principle of subject participation, and the principle of openness and transparency. At the same time, Financial Topics promises that we will take appropriate security measures to protect your personal information in accordance with the mature security standards of the industry.
Please read and understand this Privacy Policy carefully before using our products (or services).
I. How we collect and use your personal information
Personal information refers to various information recorded electronically or otherwise that can identify a specific natural person or reflect the activities of a specific natural person alone or in combination with other information. Financial Topics will only collect and use your personal information for the following purposes as described in this policy:
(I) Basic functions of Financial Topics
1. Information collected through account registration
You need to register or log in to an account in the Financial Topics-APP, and bind the Crazy Financial Topics smart hardware through the Financial Topics account to facilitate the management and control of the Financial Topics smart hardware. When you register for a Financial Topics account, Financial Topics will collect your mobile phone number. This information is collected to help you complete the Financial Topics account registration and protect your account security. If you refuse to provide this information, you may not be able to register for a Financial Topics account normally, nor can you enjoy the account-based personalized services we provide.
2. Third-party sharing
In the Financial Topics-APP, you can share various activity information with your friends through third-party platforms. During your sharing process, the third-party platform will ask you to log in or register. You need to manually enter your username and password for the third-party product to register or log in. Financial Topics will not save or monitor the username and password of third-party products, and will not send your mobile phone number or the mobile phone number you use in the Financial Topics device to third parties.
(II) Location-based personalized services
After you complete the installation of the Financial Topics-APP, you can choose whether to allow us to collect your GPS location information through a pop-up window. If you agree to us collecting your GPS location information, you can use the Financial Topics-APP to quickly navigate to the bound terminal location. Refusing to provide location information will only prevent you from enjoying the aforementioned location-based services, but will not affect your normal use of other functions of this product.
(III) Security Assurance
To improve the security of your use of services provided by us and our affiliates and partners, protect the personal and property safety of you or other users or the public from infringement, better prevent security risks such as phishing websites, fraud, network vulnerabilities, computer viruses, network attacks, network intrusions, and more accurately identify violations of laws and regulations or Financial Topics-related protocol rules. We may use or integrate your account information, device information, software usage information, and information shared by our affiliates and partners with your authorization or in accordance with the law for identity authentication, detection and prevention of security incidents, and take necessary recording, auditing, analysis, and disposal measures in accordance with the law.
(IV) Exceptions to Obtaining Authorization and Consent
When we want to use information for other purposes not specified in this policy, we will ask for your consent in advance. When we want to use information collected for a specific purpose for other purposes, we will ask for your consent in advance. If you need to withdraw your consent, you can turn off the corresponding permission in the Financial Topics app through the phone settings.
●According to relevant laws and regulations, your authorization and consent are not required for collecting your personal information in the following circumstances:
●1. Related to national security and national defense security;
●2. Related to public security, public health, and major public interests;
●3. Related to criminal investigation, prosecution, trial, and execution of judgments;
●4. For the purpose of safeguarding the life, property, and other major legitimate rights and interests of the subject of personal information or other individuals, but it is difficult to obtain your consent;
●5. The personal information collected is disclosed to the public by you on your own;
●6. Personal information is collected from legally disclosed information, such as legal news reports, government information disclosure, and other channels;
●7. Necessary for signing a contract according to your requirements;
●8. Necessary for maintaining the safe and stable operation of the products or services provided, such as discovering and handling product or service failures;
●9. Necessary for legal news reports;
●10. Necessary for academic research institutions to conduct statistical or academic research based on public interests, and when providing the results of academic research or descriptions to the outside world, the personal information contained in the results is de-identified;
II. How we share, transfer, disclose, Disclosure of your personal information
In order to ensure the security of your personal information, we follow the principle of minimization and share, transfer or disclose your personal information in compliance with applicable legal requirements.
For companies, organizations and individuals with whom we share personal information, we will take organizational and technical measures in accordance with the laws of the local country and require them to process personal information in accordance with our security standards, the requirements of this policy and related confidentiality and security measures.
(I) Sharing
We will not share your personal information with any company, organization or individual outside of Financial Topics, except in the following circumstances:
1. Sharing with explicit consent: After obtaining your explicit consent, we will share your personal information with other parties.
2. We may share your personal information with external parties in accordance with laws and regulations or mandatory requirements of government authorities.
3. Sharing with authorized partners: For the purposes stated in this policy only, some of our services will be provided by authorized partners. We may share some of your personal information with partners to provide better customer service and user experience.
(II) Transfer
We will not transfer your personal information to any company, organization or individual, except in the following circumstances:
1. Transfer with explicit consent: We will transfer your personal information to other parties with your explicit consent;
2. In the event of mergers, acquisitions or bankruptcy liquidation, if personal information transfer is involved, we will require the new company or organization holding your personal information to continue to be bound by this privacy policy, otherwise we will require the company or organization to re-ask for your authorization and consent.
(III) Public disclosure
We will only publicly disclose your personal information in the following circumstances:
1. With your explicit consent;
2. Disclosure based on law: We may publicly disclose your personal information when required by law, legal procedures, litigation or government authorities.
III. How we protect your personal information
(I) We have used security measures that meet industry standards to protect the personal information you provide to prevent unauthorized access, public disclosure, use, modification, damage or loss of data. We will take all reasonable and feasible measures to protect your personal information.
(II) Our data security capabilities:
We have always been committed to protecting the security of your personal information.
(III) We will take all reasonable and feasible measures to ensure that no irrelevant personal information is collected. We will only retain your personal information for the period required to achieve the purposes stated in this policy, unless the retention period needs to be extended or is permitted by law.
(IV) The Internet is not an absolutely secure environment, and most communication methods such as emails and instant messaging are not encrypted. We strongly recommend that you do not send personal information through such methods. Please use a complex password to help us ensure the security of your account.
(V) The Internet environment is not 100% secure, and we will do our best to ensure or guarantee the security of any information you send to us. If our physical, technical, or management protection facilities are damaged, resulting in unauthorized access, public disclosure, tampering, or destruction of information, resulting in damage to your legitimate rights and interests, we will bear the corresponding legal liability.
After the unfortunate occurrence of a personal information security incident, we will promptly inform you in accordance with the requirements of laws and regulations: the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, suggestions for your independent prevention and risk reduction, and remedial measures for you, etc. We will promptly inform you of the relevant circumstances of the incident by email, letter, phone, push notification, etc. When it is difficult to inform the personal information subject one by one, we will take reasonable and effective measures to issue an announcement.
At the same time, we will also proactively report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities.
IV. Your rights
In accordance with the laws, regulations, standards related to personal information protection, and the common practices of other countries and regions, we guarantee that you can exercise the following rights to your personal information:
(I) Access your personal information
You have the right to access your personal information, except for the exceptions stipulated by laws and regulations. If you want to exercise your right to access data, you can access it yourself in the following ways:
User information - If you want to access or edit the personal information in your account and set notification methods, you can perform such operations by accessing the APP.
(II) Deleting your personal information
You may request us to delete your personal information in the following circumstances:
1. If our handling of personal information violates laws and regulations;
2. If we collect and use your personal information without your consent;
3. If our handling of personal information violates our agreement with you;
4. If you no longer use our products or services, or you cancel your account;
5. If we no longer provide you with products or services.
If we decide to respond to your request for deletion, we will also notify the entity that obtained your personal information from us and request it to delete it in a timely manner, unless otherwise provided by laws and regulations, or these entities obtain your independent authorization. When you delete information from our services, we may not immediately delete the corresponding information from the backup system, but we will delete the information when the backup is updated.
(IV) Cancellation of personal account
You can cancel your previously registered account at any time. You can do this in the following ways:
1. You can cancel your account at any time through APP customer service feedback;
2. You can delete your personal information at any time through "My-Settings-Account Delete".
(V) Responding to your above request
To ensure security, you may need to provide a written request or prove your identity in other ways. We may ask you to verify your identity before processing your request, and we will respond within fifteen days.
We may reject requests that are unreasonably repeated, require too many technical means (for example, the development of new systems or fundamental changes to current practices), pose risks to the legitimate rights and interests of others, or are extremely impractical (for example, involving information stored on backup tapes). In the following circumstances, we will not be able to respond to your request in accordance with laws and regulations:
1. Directly related to national security and national defense security;
2. Directly related to public security, public health, and major public interests;
3. Directly related to criminal investigation, prosecution, trial, and execution of judgments;
4. There is sufficient evidence that you have subjective malice or abuse of rights;
5. Responding to your request will cause serious damage to the legitimate rights and interests of you or other individuals or organizations.
6. Involving trade secrets.
V. How this policy is updated
Our privacy policy may change.
Without your explicit consent, we will not reduce the rights you should enjoy under this privacy policy.
We will post any changes to this policy on this page. For major changes, we will also provide more prominent notices (including for certain services, we will send notices by email to explain the specific changes to the privacy policy).
Major changes referred to in this policy include but are not limited to:
1. Major changes in our service model. Such as the purpose of processing personal information, the type of personal information processed, the way personal information is used, etc.;
2. Major changes in our ownership structure, organizational structure, etc. Such as changes in owners caused by business adjustments, bankruptcy and mergers and acquisitions, etc.;
3. Changes in the main objects of personal information sharing, transfer or public disclosure;
4. Major changes in your rights to participate in personal information processing and the way you exercise them;
5. When our responsible department, contact information and complaint channels for handling personal information security change;
6. When the personal information security impact assessment report indicates a high risk.
VI. How to Contact Us
We have set up a dedicated department for personal information protection - Data Protection Compliance Department. If you have any questions, comments or suggestions about this privacy policy, you can contact us by email, send an email to (financial-topics@outlook.com) and contact us, and we will reply within 15 days.