Обзор банковских инноваций (новые идеи, бизнес-модели, продукты, процессы, технологии, решения, сегменты, стартапы) в Европе и США за 4й квартал 2012 года

This Privacy Policy of personal information (hereinafter referred to as the Policy) applies to all information that the User may provide during the use of the site, namely: First name, Last name, Phone number, E-mail, name of the Organization. The user's consent to the provision of personal information, given by him in accordance with this Policy in the framework of relations with one of the persons included, applies to all persons.

The use of the Site means the user's unconditional consent to this Policy and the terms of processing of his personal information specified therein; in case of disagreement with these terms, the user must refrain from using the Services.
1. Personal information of users that the Site receives and processes
1.1. For the purposes of this Policy, "user's personal information" means:
1.1.1. Personal information that the user provides about himself / herself when filling out feedback forms, including the user's personal data.
The information required for the provision of Services (rendering of services) is marked in a special way. Other information is provided by the user at his discretion.
1.1.2 Data that is automatically transmitted during the use of the software installed on the user's device, including the IP address, information from cookies, information about the user's browser (or other program that allows access to the Services), access time, and the address of the requested page.
1.2. This Policy applies only to the Website . The site does not control and is not responsible for third-party sites to which the user can click on the links available on the sites
The site, including in the search results. On such sites, other personal information may be collected or requested from the user, as well as other actions may be performed.
1.3. The Site generally does not verify the accuracy of the personal information provided by users, and does not exercise control over their legal capacity. However
The site assumes that the user provides reliable and sufficient personal information on the issues proposed in the registration form, and keeps this information up to date.
2. Purposes of collecting and processing users ' personal information
2.1. The site collects and stores only those personal data that are necessary for the provision and provision of services (execution of agreements and contracts with the user).
2.2. User's personal information
The Site can be used for the following purposes:
2.2.1. Identification of the party within the framework of agreements and contracts with the Site
2.2.2. Provision of personalized services to the user;
2.2.3. Communication with the user, including sending notifications, requests and information related to the use of the Services, the provision of services, as well as processing requests and requests from the user;
2.2.4. Improvement of the quality, convenience of their use, development of services;
2.2.5. Targeting of advertising materials;
2.2.6. Conducting statistical and other research based on depersonalized data.
3. Terms of processing of the user's personal information and its transfer to third parties
3.1. The Site stores users ' personal information in accordance with the internal regulations of specific services.
3.2. In relation to the user's personal information, its confidentiality is maintained, except in cases of voluntary provision by the user of information about himself for general access to an unlimited number of persons.
When using certain Services, the user agrees that a certain part of his personal information becomes publicly available.
3.3. The Site has the right to transfer the user's personal information to third parties in the following cases:
3.3.1. The User has expressed his consent to such actions;
3.3.2. The transfer is necessary as part of the user's use of a particular Service or to provide a service to the user;
3.3.3. The transfer is provided for by Russian or other applicable legislation within the framework of the procedure established by law;
3.3.4. Such transfer takes place within the framework of the sale or other transfer of the business (in whole or in part), while the acquirer assumes all obligations to comply with the terms of this Policy in relation to the personal information received by him;
3.3.5. In order to ensure the possibility of protecting the rights and legitimate interests of the Site or third parties in cases where the user violates the User Agreement of the Site services.
3.4. When processing personal data of users, the Site is guided by the Federal Law of the Russian Federation "On Personal Data".
4. Changes in personal information by the user
4.1. The User may at any time change (update, supplement) the personal information provided by him and any part of it, as well as the parameters of its confidentiality.
5. Measures used to protect users ' personal information
The site takes the necessary and sufficient organizational and technical measures to protect the user's personal information from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, as well as from other illegal actions with it by third parties.
6. Change of the Privacy Policy. Applicable law
6.1. The Site has the right to make changes to this Privacy Policy. When making changes in the current version, the date of the last update is indicated. The new version of the Policy comes into force from the moment of its publication, unless otherwise provided by the new version of the Policy.
6.2. This Policy and the relations between the user and the Site arising in connection with the application of the Privacy Policy are subject to the application of the law of the Russian Federation.