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Privacy Policy

In accordance with the provisions of the Federal Law for the Protection of Personal Data Held by Individuals (hereinafter “LFPDPPP”), Cosmo Pay Card, S.A. de C.V. is committed to handling the personal data that you provide, observing at all times the principles of legality, consent, information, quality, purpose, loyalty and proportionality provided for in the LFPDPPP and in accordance with this Privacy Notice, which we recommend that you read carefully with so that you can have full control and decision over your personal data at all times. This Privacy Notice is available to you at all times on our website www.cosmopaycard.com.mx

1. Identity and address of the person responsible.

- Cosmo Pay Card, S.A. de C.V. (hereinafter "CosmoPay" with address at Monte Líbano 235, 3-A, Lomas de Chapultepec neighborhood, Mayor Miguel Hidalgo, CP 11000, Mexico City, Mexico, is responsible for the use and protection of your personal data that we collect from you.

2. Personal Data that we Process.

- Depending on the type of CosmoPay services you wish to receive information about, the information we collect about you may include personally identifiable data, contact data, and property and/or financial data, including the following:

 

  • Contact information (such as your name, email and postal address, telephone number, and country of residence) that you provide by filling in forms on the Website, by phone, or by using a paper application form;

  • Information that allows us to offer you the CosmoPay Services, including details relating to your business, details that allow us to prevent and detect money laundering and terrorist financing activities, copies of your current valid government-issued photo identification and/or any other identification and verification information that we require from time to time at our discretion to confirm your identity under applicable "know your customer" rules.

  • Details about your finances that you provide to us or allow us to collect through third party service providers;

  • Information about your activity on the Website, such as your IP address, the pages you have visited and the device or browser you use;

  • Information provided through your mobile devices, such as your location, phone ID, mobile username, password, contacts, location;

  • Communications with us (for example, when you request support, send us requests, questions or comments, or report a problem, whether by mail, phone, fax, online or otherwise);

  • Information you submit through the Website, including in the form of comments, contributions to discussions, or messages to other users;

  • Advertising Partner Data: This is data we receive from other digital advertising companies we work with (“Ad Partners”) to help us serve you ads and recognize you across browsers and devices. This may include pseudonymous advertiser identifiers that some Advertisers or other third-party advertising platforms choose to share with us, such as your "Client ID" with an Advertiser or an identifier associated with an encrypted (non-readable) version of your email address. We may work with these advertising partners to synchronize their anonymous unique identifiers with ours to improve data points about a particular browser or unique device.

  • As with most websites, but subject to your browser settings, we automatically collect information about your computer, such as your IP address, browser type, referring/exit pages, and operating system.

 

We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.

3. Purpose of processing personal data collected by CosmoPay.

- The personal data that CosmoPay collects from you will be used for the following purposes:

 

3.1.- Primary Purposes. -

 

We need to use the personal information described in item 2 above, in order to offer you the CosmoPay Services, including for the following purposes:

 

  • For the request, marketing, contracting, placement, administration, management, issuance and operation of debit or credit cards managed by CosmoPay, subject to the approval policies and the conclusion of the corresponding contracting process.

  • Determine if you are authorized to use the CosmoPay Services

  • Identify you when you sign into your account with CosmoPay.

  • Manage your account with CosmoPay, understand your needs as a customer and monitor your satisfaction with the services provided by CosmoPay.

  • To be able to communicate with you about the status of the services that CosmoPay provides to you (for example, to inform you about changes or termination of particular CosmoPay Services, or to respond to or address a question, comment or complaint);

  • Comply with legal requirements, including those established in the applicable legislation or any regulatory or administrative procedure or judicial order or in matters of prevention of money laundering or financing of terrorism, both in Mexico and in the countries in which we operate, including tax obligations and those related to the "Know your client" procedure.

  • Detection of suspicious transactions, including transactions involving fraud, money laundering, or terrorist financing activities.

  • Manage billing, accounting, and information security services related to our transactions with you;

  • Protect the rights, property, or safety of CosmoPay, its customers, employees, and service providers;

  • Internal management purposes, including planning, resource allocation, policy development, quality improvement, compliance, control, auditing, evaluation, and reporting.

  • Improve the CosmoPay Services.

  • Manage your communication preferences; and

  • Maintenance of property records.

 

3.2.- Secondary purposes

 

Additionally, CosmoPay may use your personal data for the following secondary purposes:

 

  1. The sending of communications, promotions and advertising materials of products or services (including new products or services) that are marketed by CosmoPay directly or through third parties.

  2. To carry out surveys, investigations, analysis, statistical reports and for evaluations in relation to the sale or provision of the products or services that are marketed or offered by CosmoPay.

 

If you do not want your personal data to be processed for these secondary purposes, please fill out the corresponding form and submit it to the CosmoPay Personal Data Protection Department, via email [protecciondedatospersonales@cosmopaycard.com.mx]. The procedure to express the refusal to process your personal data for secondary purposes will be the same procedure provided for the exercise of ARCO rights indicated in this Privacy Notice. The refusal to use your personal data for these secondary purposes may not be a reason for you not to be able to acquire or hire the products or services marketed or provided by CosmoPay.

4. Transfer of your Personal Data.

- We inform you that your personal data may be shared by CosmoPay inside and outside the country with the following third party recipients, for the following purposes:

 

a) With any other financial entity authorized to provide the products or services that CosmoPay markets or provides, including the Cards, for the purposes of duly complying with the applicable legal provisions, including those related to customer identification (“Know your Client") in terms of the applicable legal regulation on the prevention of money laundering and financing of terrorism. Within said financial entities, CosmoPay will share the information that you provide us with Cacao Paycard Solutions, S.A. de C.V.

 

b) Suppliers and business partners who necessarily need to know your personal data, in order to offer and sell to you the products or services that CosmoPay markets or offers.

 

c) Entities of the Intercash corporate group to which CosmoPay belongs in order to comply with the obligations derived from the legal relationship that may exist with CosmoPay and to comply with administrative activities required within CosmoPay and the other entities. of the group to which CosmoPay belongs.

 

d) External advisers of CosmoPay in order to address claims, requests, complaints or questions related to the Cards or any other product or service that CosmoPay may market or offer, or with the legal relationship that may exist with CosmoPay.

 

e) In the legally foreseen cases in which CosmoPay will only transfer your personal data to fulfill the necessary purposes described above, as well as in those cases in which it is legally required by the competent authorities, including judicial or administrative authorities or regulatory bodies.

5. Means and Procedure to exercise the Rights of Access, Rectification, Cancellation and Opposition (ARCO Rights).

- You can revoke the consent that, where appropriate, you have given us for the processing of your personal data. However, it is important that you take into account that not in all cases we will be able to attend to your request or terminate the use immediately, since it is possible that due to some legal obligation we need to continue processing your personal data.

 

The procedure to revoke your consent will be the same procedure provided for the exercise of ARCO rights indicated in the previous numeral, so you must request and submit your Request to the CosmoPay Personal Data Protection Department, filling out the section corresponding to Revocation of Consent.

7. Limitation of the Use and/or Disclosure of your Personal Data.

- In order for you to limit the use and/or disclosure of your personal data, CosmoPay offers you the following means:

 

(i) Your registration in the "CosmoPay Exclusions List", so that your personal data is not processed for marketing or advertising purposes by us. For more information, you can contact CosmoPay Personal Data Protection Department.

 

(ii) Your registration in the Public Registry to Avoid Advertising, which is in charge of the Federal Consumer Attorney's Office (PROFECO), so that your personal data is not used to receive advertising or promotions from companies of goods or services. For more information about this registry, you can consult the PROFECO Internet portal, or get in direct contact with the aforementioned entity.

8. Cookies.

- You have the right to know what personal data we have about you, what we use them for and the conditions of use that we give them (Access) . Likewise, it is your right to request the correction of your personal information in case it is outdated, inaccurate or incomplete (Rectification); that we eliminate it from our records or databases when it considers that it is not being used in accordance with the principles, duties and obligations set forth in this Privacy Notice or in accordance with the applicable regulations (Cancellation); as well as oppose the use of your personal data for the purposes established in this Privacy Notice (Opposition). These rights are known as ARCO rights.

 

To exercise any of the ARCO rights, you must request via email to the CosmoPay Personal Data Protection Department (email. - [protecciondedatospersonales@cosmopaycard.com.mx) the corresponding request form in accordance with the LFPDPPP (hereinafter the "Application"). The Application must be duly completed and accompanied by the documentation indicated therein to prove your identity and any other documentation required in accordance with said Application.

 

Once your Request is received, if the information you provided us through the Request is incorrect or insufficient or did not accompany the necessary documentation, the CosmoPay Personal Data Protection Department will have a period of 5 (five) business days to request information or any document that is necessary to process your Request. If applicable, CosmoPay will send the request to the email address that You have specified in the Request. You will have a period of 5 (five) business days, counted from the day after you receive the request from CosmoPay, to comply with said requirement. In the event that CosmoPay Personal Data Protection Department does not receive your response within the period established for compliance with the request sent to it, it will be understood that the Request has not been submitted and CosmoPay will have no obligation to process the request. same.

 

The CosmoPay Personal Data Protection Department will have a period of 20 (twenty) business days from the date it received your Request or from the date you complied with CosmoPay requirement, as the case may be, to give response to the Request. The response to said Request will be sent to the email address that You have specified in the Request.

 

In the event that your Request is appropriate, the CosmoPay Personal Data Protection Department will have a period of 15 (fifteen) business days to make the Request effective. In the event that the Request implies the reproduction of personal data requested, CosmoPay will make available to you an electronic version of the same that will be sent to the email address that you have specified in the Request, or, CosmoPay will make available at your disposal a physical copy of said data, which you can pick up at the CosmoPay address indicated in this Privacy Notice.

 

In the cases permitted by the LFPDPPP, the CosmoPay Personal Data Protection Department may resolve to deny the exercise of ARCO rights. In case of refusal, CosmoPay Personal Data Protection Department will inform you of the reasons for said refusal through an email that will be sent to the email address that you have specified in the Request. If the refusal is partial, the CosmoPay Personal Data Protection Department will process the ARCO rights that apply.

 

CosmoPay Personal Data Protection Department may extend, for a single time, the terms contained in this Privacy Notice, in which case, it must notify you of said extension before the terms established in this Privacy Notice expire.

6. Means and procedure to revoke your consent to the processing of your personal data.

- We inform you that CosmoPay uses the so-called "cookies" to make more efficient and improve the use and exploration of its website www.cosmopaycard.com.mx. A cookie is a small amount of information sent by a website and stored in the user's browser so that the website can check previous browser activity. You can disable the use of cookies on the CosmoPay website at any time.

9. Changes or modifications in the Privacy Notice.

- CosmoPay may modify, change or update this Privacy Notice derived from new legal requirements, our own needs for the products or services we offer, our privacy practices, changes to our business model or for other reasons. The CosmoPay internet portal will always show the Privacy Notice that is currently in force.

12. Consultation of this Privacy Notice.

- We inform you that this Comprehensive Privacy Notice is available at all times on our internet portal www.cosmopaycard.com.mx.

11. National Institute of Transparency, Access to Information and Protection of Personal Data (INAI)

- If you consider that your right to the protection of your personal data has been injured by any conduct or omission on the part of CosmoPay or presumes any violation of the provisions set forth in the LFPDPPP, its Regulations and other applicable regulations, you may file your disagreement or complaint with the National Institute of Transparency, Access to Information and Protection of Personal Data (INAI). For more information we suggest you visit their official website: www.inai.org.mx

- CosmoPay Personal Data Protection Department is in charge of dealing with requests to exercise ARCO rights, requests for revocation of consent, refusal to use personal data for secondary purposes, as well as requests to limit the use and/or disclosure of your personal data, as well as to ensure the protection of said personal data within CosmoPay.

 

Name: CosmoPay Personal Data Protection Department

Address: Monte Líbano 235-3A, Lomas de Chapultepec Miguel Hidalgo, C.P. 11000, Mexico City, Mexico

Email: [protecciondedatospersonales@cosmopaycard.com.mx].

10. CosmoPay Personal Data Protection Department.

You, as the owner of the personal data, declare that this Privacy Notice has been made available to you and made known by CosmoPay as the person responsible, as well as having read and understood its terms in their entirety, because you give your express consent in in relation to the processing of your personal data, as well as for CosmoPay to make transfers and/or referrals of personal data in accordance with the provisions of section 5 of this Notice.

13. Conformity of the Holder of Personal Data.

Last modification of the Privacy Notice: May 2023

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