Privacy Policy - Ocean Winds Enterprises

Privacy Policy

Privacy

Privacy Policy

This is our Privacy Policy as of February 2003. If you need an updated version, please feel free to contact our office using the details provided in the Contact page.

In the future this policy will be made available in a number of different European languages; all versions in all languages are legally binding but in the event of any inconsistency between the English Language version and another translated version, the English Language version will always prevail.

  • 1. Introduction
  • 2. Links
  • 3. Personal Information
  • 4. Notification of Changes
  • 5. Collection of Information
  • 6. How We Use Collected Information
  • 7. Your Use of Information Obtained from this Site
  • 8. How We Store Collected Information
  • 9. Updating Your Information
  • 10. Contact Us

1. Introduction

OCEAN WINDS ENTERPRISES hereinafter referred to as ("OCEAN WINDS ENTERPRISES IH") takes the reponsibility of protecting the privacy of your personal information very seriously. All data is collected, transferred, processed and maintained in accordance with the principles contained within the Data Protection laws and the Computer Matching and Privacy Act of the United States and the Electronic Communications Privacy Act of 1986 (ECPA). This Privacy Policy describes the personal information we collect, use and disclose to allow us to operate our business in support of the services we provide. We encourage you to review this Privacy Policy.

By providing personal information to us and by dealing with us, you expressly consent to the collection, use and disclosure of your personal information in accordance with the terms set forth in this Privacy Policy. If you object to your personal information being collected, used or disclosed as described in this Privacy Policy, you should not use the Laphnig.com payment services that are available from this site.

2. Links

OCEAN WINDS ENTERPRISES IH. is not responsible for the actions of our registered Merchants, including but not limited to their information practices. OCEAN WINDS ENTERPRISES IH Customers submitting information to or through these third party websites should review their privacy statements before providing them with personally identifiable information. These sites are governed by their own privacy statements.

3. Personal Information

In this Privacy Policy 'personal information' or 'personally identifiable information' is defined as information about you that can be attributed to you. OCEAN WINDS ENTERPRISES IH will collect, use and disclose your personal information only in accordance with the terms of this Privacy Policy.

We may collect, use and disclose personal information as authorized by law or with your consent. Depending on the circumstances, your consent to the collection, use and disclosure of personal information may be express or implied. Express consent arises when you specifically consent to a particular dealing in your personal information. Express consent can be given orally, electronically (by acknowledging a check box on a webpage) or in writing. Implied consent can be inferred from the circumstances, taking into account the reasonable expectations of Users and the sensitivity of the information. If OCEAN WINDS ENTERPRISES IH needs to collect, use or disclose any information for any purpose not set out in this Privacy Policy, we will give you appropriate notification and give you the opportunity to object or decline to the collection, use, or disclosure of this information. If you have questions or concerns regarding this Privacy Policy, you should contact us at info@oceanwindsenterprises.com

4. Notification of Changes

We reserve the right to amend this Privacy Policy at any time or for any reason. When changed, we will provide notice to you on our website that changes have been made. Please check the Laphnig International Holding S.A. website at http://www.oceanwindsenterprises.com at any time for the most current version of our Privacy Policy.

Any amendments to this Privacy Policy will become effective at the time of posting. By continuing to use our service you expressly consent to any such amendments. If you disagree with any amendments, you may close your Account and/or stop using the service at any time.

5. Collection of Information

Information Required

To use the payment services provided by OCEAN WINDS ENTERPRISES IH you must provide some personal information, which may include; your name, address, phone number, e-mail address and we may also ask you to provide government issued/photo identification, credit card, debit card or bank account information. You will be asked to choose a security question to answer (such as your first employer or the city in which you were born) and to provide a password. This information is required to ensure that we can:

  • • process transactions;
  • • issue a new password if you forget or lose your password;
  • • protect you, OCEAN WINDS ENTERPRISES IH and our other Users, Account Holders and Merchants against identity theft, credit card fraud and bank account fraud; and Contact you should the need arise in administering your Account.

Transaction Information

Transaction information relates to any information required to send or request a payment. This includes but is not limited to: the amount of the transaction, the type of transaction, e-mail address, phone number or beneficiary involved in the transaction. We may retain a third party's contact details, provided that and so far as they are necessary for the provision of our services or the fulfillment of our legal obligations.

For fraud and/or security purposes, we may retain your personal information, including transaction information for all of your transactions through OCEAN WINDS ENTERPRISES IH, for a number of years even after your Account is closed or you have stopped using the service. We also collect the Internet address (IP address) of the computer or device you use to access your Account, in order to help detect possible instances of unauthorized transactions.

Information about You Provided by Third Parties

To protect all of our Users and Account Holders against potential fraud, we may choose to verify the personal information that you provide via third party verification service providers. In the process of such verifications, we may also receive personal information about you from such service providers. In particular, if you register a debit or credit card or bank account with OCEAN WINDS ENTERPRISES IH we will wherever possible, use card authorization, authentication and fraud screening services to verify that your card information and address matches the information that you supplied to OCEAN WINDS ENTERPRISES IH, and that the card has not been reported as lost or stolen.

If you incur a debt to OCEAN WINDS ENTERPRISES IH, we reserve the right to conduct a credit check on you by obtaining additional information about you from a credit reference agency, to the extent permitted by law. OCEAN WINDS ENTERPRISES IH, at its sole discretion, also reserves the right to periodically retrieve and review a business and/or consumer credit report for any account. OCEAN WINDS ENTERPRISES IH reserves the right to close or refuse to provide a payment service based on information obtained during this credit review process.

Web Site Information

Because of the way that World Wide Web communication standards work, when you arrive at or leave the OCEAN WINDS ENTERPRISES IH website, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Web site you visit while you are on the OCEAN WINDS ENTERPRISES IH site, the type of browser you use and the number of times you access our Web site. We use this information solely to try to understand our User's and Account Holders' behavior and preferences, to develop and improve our services to you, and to manage the load on our servers. We do not track the Web sites that you visit before or after you leave the OCEAN WINDS ENTERPRISES IH site.

Use of "Cookies"

We may also store information about you using cookies. "Cookies" are small data files that reside on your computer and allow us to recognize you as a OCEAN WINDS ENTERPRISES IH customer if you return to the OCEAN WINDS ENTERPRISES IH site in the future using the same computer and browser. We send a "session cookie" to your computer if and when you log in to your Account by entering your e-mail address or username and password. These cookies allow us to recognize you if you visit multiple pages on our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you so desire. However, this may prevent you from taking full advantage of the website. If you want to know how to do this please look at the help menu on your browser. Be forewarned that switching off cookies may severely restrict your use of the OCEAN WINDS ENTERPRISES IH website and many other sites.

For independent advice on how to deal with cookies go to http://www.aboutcookies.org or read the information contained at http://en.wikipedia.org/wiki/HTTP_cookie

Customer Service Correspondence and Phone Calls

If you send us correspondence, including e-mails and faxes, we retain such information in the records of your Account. We will also retain customer service correspondence and other correspondence from OCEAN WINDS ENTERPRISES IH to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our Terms of Use. In addition, any phone calls made to or from us may be monitored and/or recorded for quality assurance purposes, security and fraud detection purposes.

Questionnaires, Surveys and Profile Data

From time to time, we may offer you optional questionnaires and surveys for such purposes as collecting demographic information, assessing Customer's interests and needs and evaluating user's experience on the OCEAN WINDS ENTERPRISES IH website. If we collect personal information from you in these questionnaires and surveys, you will be given notice of how the information will be used prior to your participation in the survey or questionnaire. You will be able to opt-out of providing information on any such questionnaires and/or surveys. The opt-out procedure is described in the section on managing marketing communications from us.

6. How We Use Collected Information

Internal Use

Except as otherwise provided in this Privacy Policy, we will obtain your explicit or implied consent to use your personal information in a specific manner. Set out below are certain circumstances where we may use your personal information without obtaining your further consent. These are:

  • • To verify your identity and financial information;
  • • To process your transactions, including using your bank account information to obtain payments which are owed to us;
  • • To analyze your personal information and transaction history to assist us in developing and enhancing the services we provide on our website, to conduct market analysis and strategic planning and to determine your eligibility to receive offers for special features, promotions, and products
  • • To use your personal information for the purpose for which it was provided and certain other activities that are reasonably ancillary to that purpose. For example, if you send us an e-mail with a question or comment, we will use your e-mail address to respond to you. Furthermore, we may store your e-mail and e-mail address and a copy of our response for future reference;
  • • To troubleshoot any problems.

We give access to your personal information only to those employees who require it to provide our services to you. Internet Address Information

We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance, gather broad demographic information for aggregate use, and to prevent fraud.

Disclosure to Third Parties

OCEAN WINDS ENTERPRISES IH will not sell or rent any of your personal information to third parties.

OCEAN WINDS ENTERPRISES IH will not share any of your personal information with third parties except in the limited circumstances described below, as permitted by applicable law, or with your express permission. These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.

• We share information with companies that help us process the transactions you request and protect transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including debt collection agencies.

• In order to assist us in conducting or co-operating in investigations of fraud or other illegal activity, or in order to assist us in investigating suspected violations of our Terms of Use, we may disclose personal information to third parties where we believe it is reasonable and appropriate to do so.

• We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.

• We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

• For identity validation and verification purposes, the following information may be provided to Merchants or Banks to or from whom you transfer funds: name, Account number, jurisdiction, postal code, e-mail address, and/or IP address.

• We may disclose information to service providers who manage various marketing or development programs on our behalf. Your personal information will be provided under a strict code of confidentiality. If we transfer your information to a service provider in another country, we will make sure that the service provider agrees to apply the same levels of protection as we are required to apply to information held in the US and to use your information only for the purpose of providing the service to us. These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information was shared.

• As with any other business, it is possible that OCEAN WINDS ENTERPRISES IH in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the personal information maintained by OCEAN WINDS ENTERPRISES IH, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended as described in Section 3 above.

• We share your information with our parent, subsidiaries and joint ventures to help coordinate the services we provide to you and to enforce our Terms of Use.

Please note that some Banks and Merchants may operate from countries outside of the US where data protection laws are less stringent. By accepting this Privacy Policy, you expressly consent to the exchange of some of your personal information between OCEAN WINDS ENTERPRISES IH and these Banks and/or Merchants.

Customer Contact

We communicate with Users on a regular basis via e-mail, SMS, and bespoke applications for mobile devices. In the future we may use 'live chat', or other similar options, to provide requested services. We may also communicate by phone to resolve customer complaints, investigate suspicious transactions or to inform you of changes to our service or to accept instructions regarding your account. We use your e-mail address to confirm your opening of a OCEAN WINDS ENTERPRISES Account, to send you notice of payments that you send or receive through your Account, to send information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, Users and Account Holders cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.

Marketing Communications

We use your e-mail address to send you various types of communications that you can control, including marketing communications, surveys and questionnaires, and notice of special promotions from OCEAN WINDS ENTERPRISES IH or its carefully selected business partners. Such promotions will relate to similar products and services to those offered by OCEAN WINDS ENTERPRISES IH Out of respect for your privacy, you can choose not to receive these types of communications from us. An explanation of how to do this will be described within each promotional email that you receive. By agreeing to OCEAN WINDS ENTERPRISES IH Terms of Use you will also be indicating your consent to receiving promotional emails.

7. Your Use of Information Obtained from this Site

By accepting this Privacy Policy, you agree to only use any personal information you may have obtained from the use of our services for OCEAN WINDS ENTERPRISES IH related communications, and not for any unsolicited commercial communications.

8. How We Store Collected Information

Information Security and Protection

OCEAN WINDS ENTERPRISES IH is committed to handling your personal information in accordance with high standards of information security. All debit card, credit card or bank account information are stored on computers that are not connected to the Internet. We restrict access to your personally identifiable information to employees who need to know that information in order to provide our products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable regulations to guard your non-public personal information. We test our security systems regularly and also contract with outside companies to audit and test our security systems and processes.

We protect your information from error, loss, and unauthorized access. Our employees who have access to your information are made aware of how to keep it confidential. Each employee must sign an agreement stating that maintaining confidentiality is a condition of employment with OCEAN WINDS ENTERPRISES IH. All of your personal information is collected, used, and disclosed for business purposes only. Your Responsibility

The security of your use of the OCEAN WINDS ENTERPRISES IH service also relies on your protection of your OCEAN WINDS ENTERPRISES IH security identification. You may not share your password with anyone. OCEAN WINDS ENTERPRISES IH will never ask you to send your password to us in an e-mail, although we may ask you to enter this and other personal information on the oceanwindsenterprises.com website, which will always have a URL beginning with https://www.oceanwindsenterprises.com. This could also be required when signing in to your account.

Phishing

Any e-mail or other communication asking you to provide personal information via email, or linking to a website with a URL that does not begin with https://www. oceanwindsenterprises.com should be treated as unauthorized and suspicious and should be reported to OCEAN WINDS ENTERPRISES IH immediately. If you do share your password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your Account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your security identification or password, please change it immediately by logging in to your Account at https://www.oceanwindsenterprises.com and select “change password” on your account page, and then contact us right away as described in Section 10 below.

9. Updating Your Information

You can review the personal information you provided us and make any desired changes to such information, or to the settings for your Account, at any time by logging in to your Account at http://www.oceanwindsenterprises.com on the OCEAN WINDS ENTERPRISES IH Web site and navigating to the “My Account” page.

If you close your OCEAN WINDS ENTERPRISES Account or cease being a User of OCEAN WINDS ENTERPRISES IH payment services, we will mark your Account in our database as 'Closed' but will keep your Account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their Account and opening a new Account.

However, if you close your Account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law. At your request, OCEAN WINDS ENTERPRISES IH will also share with you where your personal information has been stored, what personal information OCEAN WINDS ENTERPRISES IH has about you, for what purposes OCEAN WINDS ENTERPRISES IH uses it for and with whom it has been shared.

10. Contact us

If you have any questions about this privacy policy, OCEAN WINDS ENTERPRISES IH information practices, or your dealings with OCEAN WINDS ENTERPRISES IH, you can contact us in a number of ways:

  • • via e-mail at info at laphnig dot com, or
  • • via the 'Contact Us' page on our website http://www.oceanwindsenterprises.com/
  • • you can call our Customer Support Team on the telephone numbers listed at http://www.oceanwindsenterprises.com/contact
  • • If you call the Support team on this number please be sure to have the following information readily available:
  • - Your name and surname and your merchant number (if applicable)
  • - Any payment reference that you have available,
  • - Full details concerning your question, inquiry or complaint.
  • - Be prepared to explain your question, inquiry or complaint.

Our Customer Support Team is available 09:00 to 17:00 GMT Monday to Friday. If you want a copy of this Privacy Policy or of any of the other legal documents that appear on this website, you should send an email with the words 'Policy documents' in the subject line to info@oceanwindsenterprises.com.