Discover Financial Products & Services in Mauritius

We at KiPliBon.com (“KiPliBon ,” “us” and “we”) are committed to protecting your privacy. This Privacy Policy applies to both our Websites and our Service. The “Websites” means KiPliBon’s websites (including without limitation KiPliBon.com, blog.KiPliBon.com and any successor URLs, mobile or localized versions and related domains and subdomains), and the “Service” means KiPliBon ’s products, applications, and services, in each case in whatever format they may be offered now or in the future. The Websites and Service are collectively referred to herein as the “Offerings.” This Privacy Policy governs our data collection, processing, and usage practices. It also describes your choices regarding use, access, and correction of your personal data. By using the Offerings, you consent to the data practices described in this Privacy Policy. If you do not agree with the data practices described in this Privacy Policy, you should not use the Offerings.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time by posting a new version online. You should check this page occasionally to review any changes. If we make any material changes we will notify you by posting the revised Privacy Policy on our Websites and, if you subscribe to our Service, providing notice in-app or with other industry-standard forms of notice. Your continued use of the Websites, the Service, and/or continued provision of Personal Data to us will be subject to the terms of the then-current Privacy Policy.

Your Choices

You can visit the Site without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to use certain components of the Site.

Data We Collect

    When you interact with us through the Site, we may collect Personal Data and other information from you, as further described below:

  • Personal Data That You Provide Through the Site
  • We collect Personal Data from you when you voluntarily provide such information, such as when you contact us with inquiries or register an account with us. By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy.
  • Non-Identifiable Data
  • When you interact with KiPliBon through the Site, we receive and store certain personally non-identifiable information. Such information cannot presently be used to specifically identify you. KiPliBon may store such information itself or such information may be included in databases owned and maintained by KiPliBon affiliates, agents or service providers. We may use such information and pool it with other information to track, for example, the characteristics of users of the site, and we may publish or otherwise disclose such aggregated information.
  • Aggregated Personal Data
  • In an ongoing effort to better understand and serve the users of the Site, KiPliBon may conduct research on the characteristics of such users, including but not limited to user demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and KiPliBon may publish or otherwise disclose such aggregated information. This aggregate information does not identify you personally.
  • Navigational Data
  • We automatically collect data on how you interact with the Offerings, such as the IP address from which you access the Offerings, date and time, data about your browser, operating system and computer or device, referral source, length of visit, pages viewed, and items clicked. We may also collect location data, including location data automatically provided by your computer or device. We use cookies and similar technologies to collect some of this data. For more information, please see our Cookie Policy. For example, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help us analyze how users use the Site and enhance your experience when you use the Site. For more information on how Google uses this data, go to www.google.com/policies/privacy/partners/.
  • Third Party Platforms
  • We may collect data when you interact with our advertisements and other content on third-party sites or platforms, such as social networking sites. This may include data such as “Likes”, profile data gathered from social networking sites or the fact that you viewed or interacted with our content.
  • Other Data
  • We may collect other data from you that is not specifically listed here. We may use any such data in accordance with this Privacy Policy or as otherwise permitted by you.

How We Use the Data We Collect

We use your data in the following ways:
  • To provide, maintain and improve the Offerings and our other products and services, including to operate certain features and functionality of the Offerings (for example, by remembering your information so that you will not have to re-enter it during this or subsequent visits);
  • To process your inquiries and otherwise deliver customer service;
  • To control unauthorised use or abuse of the Offerings and our other products and services, or otherwise detect, investigate or prevent activities that may violate our policies or be illegal;
  • To analyze trends, administer or optimize the Offerings, monitor usage or traffic patterns (including to track users’ movements around the Offerings) and gather demographic data about our user base as a whole;
  • To communicate directly with you, including by sending you newsletters, promotions and special offers or information about new products and services. Your opt-out options for promotional communications are described in Section 6 (Your Controls and Choices);
  • To deliver you advertising, including by serving and managing ads on the Offerings or on third party sites and to tailor ads based on your interests and browsing history.; and
  • In the manner described to you at the time of collection or as otherwise described in this Privacy Policy.

Social Media Features

Our Offerings include Social Media Features, such as the Facebook Like button and Widgets, such as the Share This button or interactive mini-programs that run on our websites. These features may collect your IP address, which page you are visiting on our sites, and may set a cookie to enable the feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Websites. This Privacy Policy does not apply to these features. Your interactions with these features are governed by the privacy policy and other policies of the companies providing them.

External Websites

Our Offerings provide links to other websites. We do not control and are not responsible for, the content or practices of these other websites. Our provision of such links does not constitute our endorsement of these other websites, their content, their owners, or their practices. This Privacy Policy does not apply to these other websites, which are subject to any privacy and other policies they may have.

Sharing Your Data with Third Parties

We will never sell your Personal Data to any third party. We don’t trade, share or transfer your personal data to third parties except in the following limited circumstances:
  • We may share your personal data with our parent companies, subsidiaries, and affiliates;
  • We may share your personal data with third-party service providers to permit such parties to provide services that help us with our business activities, which may include assisting us with marketing, customer support, data analytics, advertising our product/service offerings, or providing, maintaining and improving the features and functionality of the Offerings, among other things. For example, we may provide personal data to our service providers for direct emailing of our newsletters or notifications of our product/service offerings;
  • We may share your personal data when we have a good faith belief that access, use, preservation or disclosure of such data is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce a Customer Agreement, including investigation of potential violations thereof, or (c) protect against imminent harm to our rights, property or safety, or that of our users or the public as required or permitted by law;
  • We may share your personal data with third parties (including our service providers and government entities) to detect, prevent, or otherwise address fraud or security or technical issues;
  • We may share your personal data with our business partners who offer a service to you jointly with us, for example when running a cross-promotion;
  • We may share your Payment Data to process your payment;
  • We may share and/or transfer your personal data if we become involved in a merger, acquisition, bankruptcy, or any form of sale of some or all of our assets; and
  • We may share your personal data with a third party if we have your consent to do so.
  • We may also share aggregated or anonymised data with third parties for other purposes. Such data does not identify you individually but may include usage, viewing and technical data such as the types of Offerings our customers and users generally use, the configuration of their computers, and performance metrics related to the use of Offerings which we collected through our technology. If we are required under applicable law to treat such data as personal data, then we will only disclose it as described above. Otherwise, we may disclose such data for any reason.

Security of your Personal Data

We use a variety of security technologies and procedures to help protect your Personal Data from unauthorised access, use or disclosure. We secure the Personal Data you provide on computer servers in a controlled, secure environment, protected from unauthorised access, use or disclosure. When sensitive Personal Data (such as a credit card number and/or geo-location data) is collected on our Offerings and/or transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol. If you have any questions about the security of your Personal Data, you can contact us at support@KiPliBon.com.

Your Controls and Choices

Opt-Outs We may provide you with the opportunity to “opt-out” of having your personal data used for certain purposes when we ask for this data. If you decide to opt-out, we may not be able to provide certain features of the Offerings to you.

Communication Preferences

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included on such communications or on the Offerings. Please note, however, that customers cannot opt out of receiving transactional emails related to their account with us or the Service.

Blocking Cookies

You can remove or block certain cookies using the settings in your browser but the Offerings may cease to function properly if you do so. For more information, please see KiPliBon ’s Cookie Policy. Please note, however, that you may be unable to block certain service-related cookies. How We Respond to Do Not Track Signals Your Web browser may have a “do not track” setting which, when enabled, causes your browser to send a do not track HTTP header file or “signal” to each site you visit. At present, the Offerings do not respond to this type of signal.

Accessing and Updating Your Personal Data

When you use the Offerings, we make good faith efforts to provide you with access to your personal data upon your request and either provide you the means to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. You may access, review, correct, update, change or delete your data at any time. To do so, please contact us at support@KiPliBon.com with your name and the data requested to be accessed, corrected or removed, or if you are using the Service, sign in to your account, go to your profile, and make the desired changes. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort (for instance, requests concerning data residing on backup tapes), jeopardize the privacy of others, would be extremely impractical, or for which access is not otherwise required. In any case where we provide data access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Please note that if you cease using the Service or we terminate your access in accordance with our Terms of Service, you may no longer have the ability to access or update your data. We may retain your data as necessary to support the Offerings, comply with our legal obligations or resolve disputes. Note that content you post may remain on the Offerings even if you cease using the Offerings or we terminate your access to the Offerings.

Retention of Personal Data

We retain Personal Data that you provide us as long as we consider it potentially useful in contacting you about the Subscription Service or our other services, or as needed to comply with our legal obligations, resolve disputes and enforce our agreements, and then we securely delete the data. We will delete this data from the servers at an earlier date if you so request. Once the retention period expires, Personal Data shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after the expiration of the retention period.

No Children Under Age 13

The Offerings are not intended for use by anyone under the age of 13, nor does KiPliBon knowingly collect or solicit personal data from anyone under the age of 13. If you are under 13, you may not attempt to register for the Offerings or send any information about yourself to us, including your name, address, telephone number, or email address. In the event that we confirm that we have collected personal data from someone under the age of 13 without verification of parental consent, we will delete that data promptly. If you are a parent or legal guardian of a child under 13 and believe that we might have any data from or about such child, please contact us at the email or mailing address provided at the end of this Privacy Policy.

Your Rights under General Data Protection Regulation (GDPR)

You may exercise certain rights regarding your Personal Data processed by KiPliBon . In particular, you have the right to do the following:
  • Withdraw your consent at any time. You have the right to withdraw consent where you have previously given it to the processing of your Personal Data.
  • Object to the processing of your personal Data. You have the right to object to the processing of your personal Data if the processing is carried out on a legal basis other than consent.
  • Access your personal Data. You have the right to learn if data is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the personal data undergoing processing.
  • Verify and seek rectification. You have the right to verify the accuracy of your personal data and ask for it to be updated or corrected.
  • Restrict the processing of your personal data. You have the right, under certain circumstances, to restrict the processing of your personal data. In this case, KiPliBon will not process your personal data for any purpose other than storing it.
  • Have your Personal Data deleted or otherwise removed. You have the right, under certain circumstances, to obtain the erasure of your data from KiPliBon .
  • Receive your personal data and have it transferred to another controller. You have the right to receive your personaldata in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the personal data is processed by automated means and that the processing is based on your consent, on a contract which you are part of or on pre-contractual obligations thereof.
Details about the right to object to processing Where Personal Data is processed for a public interest, in the exercise of an official authority vested in KiPliBon or for the purposes of the legitimate interests pursued by KiPliBon , you may object to such processing by providing a ground related to your particular situation to justify the objection. You must know that, however, should your Personal Data be processed for direct marketing purposes, you can object to that processing at any time without providing any justification. To learn, whether KiPliBon is processing Personal Data for direct marketing purposes, you may refer to the relevant sections of this document. How to exercise these rights Any requests to exercise your rights can be directed to KiPliBon through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by KiPliBon as early as possible and always within one month.

Contact Us

If you have questions or need to contact us about this Privacy Policy, please email us at support@KiPliBon.com.
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