Vilkår og Betingelser

NyKapital Privacy Policy

Introduction

At NyKapital, we prioritize the privacy and security of your personalinformation. This Privacy Policy explains how we collect, use, disclose, andsafeguard your information when you interact with our services, whether throughour website, mobile application, or other means. We are committed to ensuringthat your privacy is protected and that your personal data is handled withcare.

NyKapital Privacy Policy

Data Controller and Data Processor

NyKapital, located at Dalgas Blvd. 48, 2000 Frederiksberg, Denmark, isthe Data Controller responsible for your personal data. B4B Payments Europe UAB acts as a Data Processor on our behalf. This Privacy Policy is in compliancewith the General Data Protection Regulation (GDPR), Data Protection Act 2018(DPA 2018), and Privacy and Electronic Communications Regulations (PECR).

Information We Collect

We collect various types of information to provide and improve ourservices to you. This includes:

1. Personal Identification Information: Full name, address, email address, phone number, date of birth, and personal identification number.
2. Financial Information: Bank account details, transaction history, and balance data.
3. Technical Information: IP address, browser type and     version, time zone setting, browser plug-in types and versions, operating     system and platform, and other technology on the devices you use to access     this website.
4. Usage Data: Information about how you use     our website, products, and services.
5. Marketing and Communications Data: Your preferences in receiving     marketing from us and your communication preferences.

How We Use Your Information

We use the information we collect for the following purposes:

1. To Provide Our Services: Including processing your     transactions, managing your account, and providing customer support.
2. To Improve Our Services: We analyze how you use our     services to enhance functionality and performance.
3. To Communicate with You: We may contact you with     newsletters, marketing or promotional materials, and other relevant     information.
4. To Comply with Legal Obligations: We process your data to comply     with legal requirements.
5. To Protect Our Interests: Including fraud prevention,     enforcing our terms, and protecting our rights.

Sharing Your Information

We may share your information with:

1. Service Providers: Third-party providers who     perform services on our behalf, such as payment processing, data analysis,     email delivery, hosting services, customer service, and marketing     assistance.
2. Affiliates: Our affiliates, requiring them     to honor this Privacy Policy.
3. Legal Requirements: To comply with legal     obligations or in response to valid requests by public authorities.
4. Business Transfers: In connection with mergers,     sales of company assets, financing, or acquisitions.
5. Third-party credit reference     agencies: To conduct credit checks and assessments.
6. Cookies and Tracking Technologies: To enhance user experience and     track website usage.

Data Security

We implement robust security measures to protect your data, includingencryption, firewalls, and secure server technology. Access to your data isrestricted to authorized personnel only.

Data Retention

We retain your personal data only for as long as necessary to fulfill thepurposes outlined in this Privacy Policy, considering:

1. Ongoing Relationship: The duration of our     relationship with you.
2. Legal Obligations: Compliance with legal     requirements.
3. Legal Position: Retention for legal,     litigation, or regulatory purposes.

Your Rights

Under GDPR, you have several rights regarding your personal data:

1. Right to Access: Request a copy of your data.
2. Right to Rectification: Correct inaccuracies in your     data.
3. Right to Erasure: Request deletion of your data     in certain circumstances.
4. Right to Restrict Processing: Limit how we use your data.
5. Right to Data Portability: Receive your data in a     structured format.
6. Right to Object: Object to data processing.
7. Right to Withdraw Consent: Withdraw your consent at any     time.

To exercise these rights, contact us at privacy@nykapital.dk.

Changes to This Privacy Policy

We may update this policy periodically. We will notify you of changes byposting the new policy on this page. Regularly review this policy for updates.

Contact Us

For privacy inquiries, contact us at:

• Email: privacy@nykapital.dk
• Address: Dalgas Blvd. 48, 2000     Frederiksberg, Denmark

Detailed Privacy Policy Sections

Data Collection and Use

Personal Identification Information We collect your personal information to verify youridentity, provide services, and communicate with you effectively. This includesdata like your full name, address, email address, phone number, date of birth,and personal identification number.

Financial Information Your financial data, such as bank account details, transaction history,and balance data, is collected to facilitate transactions, manage your account,and comply with financial regulations.

Technical Information We gather technical data from your devices, including IP address,browser type and version, time zone settings, browser plug-in types andversions, operating system, and platform. This helps us enhance your userexperience and ensure our services are compatible with your technology.

Usage Data We monitor how you interact with our website and services to improvefunctionality and performance. This includes data on the pages you visit,features you use, and the actions you take.

Marketing and Communications Data Your preferences regarding marketing communicationsare collected to tailor our communications and ensure you receive relevantinformation. This includes your consent to receive newsletters, promotions, andother marketing materials.

How We Use Your Data

Service Provision We use your data to process transactions, manage accounts, and providecustomer support. This ensures you have access to our services and that yourinteractions with us are efficient and effective.

Service Improvement Analyzing your usage patterns helps us identify areas for improvementand optimize our services. This continuous enhancement ensures we meet yourneeds and expectations.

Communication Your contact details are used to send newsletters, marketing materials,and other relevant information. We also use this data to inform you of updates,changes to our services, and any other important information.

Legal Compliance We process your data to comply with legal obligations, such as financialregulations and anti-fraud measures. This ensures we operate within the law andmaintain the integrity of our services.

Protection of Interests We use your data to prevent fraud, enforce our terms and conditions, andprotect our rights and interests. This includes monitoring for suspiciousactivity and taking appropriate action when necessary.

Data Sharing

Service Providers We share your data with third-party service providers who performfunctions on our behalf, such as payment processing, data analysis, emaildelivery, hosting services, customer service, and marketing assistance.

Affiliates Your data may be shared with our affiliates, provided they adhere tothis Privacy Policy. This helps us provide consistent services across ouraffiliated entities.

Legal Requirements We may disclose your information to comply with legal obligations or inresponse to valid requests by public authorities. This ensures we meet ourlegal responsibilities and protect our operations.

Business Transfers In the event of a merger, sale of company assets, financing, oracquisition, your data may be transferred to the new owner. This allows the newentity to continue providing services to you.

Third-party Credit Reference Agencies We may share your data with credit reference agenciesto conduct credit checks and assessments. This helps us evaluate your financialstanding and manage risks.

Cookies and Tracking Technologies We use cookies and similar tracking technologies toenhance your user experience and track website usage. This data helps usunderstand your preferences and improve our services.

Data Security

We employ advanced security measures to protect your data, including:

Encryption Your data is encrypted during transmission and storage to preventunauthorized access.

Firewalls We use firewalls to block unauthorized access to our systems.

Secure Server Technology Our servers are secured with the latest technology to protect your datafrom breaches.

Access Control Access to your data is restricted to authorized personnel only. Thisensures that only those with a legitimate need can access your information.

Data Retention

We retain your data based on the following criteria:

Ongoing Relationship We keep your data for as long as we have an active relationship with youand provide services.

Legal Obligations Data is retained to comply with legal requirements, such asrecord-keeping and reporting obligations.

Legal Position We may retain data for legal, litigation, or regulatory purposes. Thishelps us protect our interests and comply with legal requirements.

Your Rights

You have the following rights under GDPR:

Right to Access Request a copy of the data we hold about you. This helps you understandwhat information we have and how it is used.

Right to Rectification Correct any inaccuracies in your data. This ensures that the informationwe hold is accurate and up-to-date.

Right to Erasure Request the deletion of your data in certain circumstances. This allowsyou to remove your information from our systems if it is no longer needed.

Right to Restrict Processing Limit how we use your data. This gives you control over how yourinformation is used and shared.

Right to Data Portability Receive your data in a structured, commonly used format. This allows youto transfer your information to another service provider if needed.

Right to Object Object to the processing of your data. This gives you the ability tochallenge how your information is used.

Right to Withdraw Consent Withdraw your consent at any time. This allows you to change your mindabout the data you have agreed to share.

To exercise any of these rights, contact us at privacy@nykapital.dk.

Changes to This Privacy Policy

We may update this policy periodically. We will notify you of any changesby posting the new policy on this page. Regularly review this policy to stayinformed about how we protect your data.

Contact Us

For privacy inquiries, contact us at:

Email: privacy@nykapital.dk Address: Dalgas Blvd. 48, 2000Frederiksberg, Denmark

Additional Sections

Cookie Policy

We use cookies to improve your experience on our website. Cookies aresmall text files stored on your device that help us understand how you use oursite. You can control cookies through your browser settings.

Third-party Links

Our website may contain links to third-party sites. We are notresponsible for the privacy practices of these sites. We encourage you to readtheir privacy policies before providing any personal information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We donot knowingly collect personal data from children. If we become aware that wehave collected data from a child, we will take steps to delete it.

International Transfers

Your data may be transferred to and processed in countries outside theEuropean Economic Area (EEA). We ensure appropriate safeguards are in place toprotect your data during such transfers.

Data Protection Officer

Wehave appointed a Data Protection Officer (DPO) to oversee our data protectionpractices. You can contact our DPO at privacy@nykapital.dk for any dataprotection queries.