1. Definitions and interpretation
1.1 In these Terms and Conditions unless the context otherwise requires:
(a) “Bank” means I&M Bank (T) Limited, a limited liability company incorporated in the United Republic of Tanzania and includes such Branches or Subsidiaries of the Bank as may from time to time be specified by the Bank to the Customer.
(b) “Banking Day” means a day on which the counters of the Branch and/or the Bank Subsidiary (as applicable) are open for the transaction of ordinary business;
(c) “Bank Subsidiary” means the subsidiary or subsidiaries of the Bank which may from time to time be specified by the Bank to the Customer;
(d) “Branch” means a branch or branches of the Bank which may from time to time be specified by the Bank to the Customer;
(e) “Bank Account” means the Customer’s personal and business transaction account(s), current overdraft facility account(s) and term and call deposit accounts (as the case may be) with the Bank;
(f) “Customer” means the Bank’s Customer who is operating an active Bank Account;
(g) “Deposit Account” means a Bank Account with an available credit balance;
(h) “General Terms and Conditions” means the Bank’s General Terms and Conditions signed by the Customer at the time the Customer opens a Bank Account;
(i) “Nominated User/s” means the representative or representatives of the Customer authorized by the Customer to hold and change the Password and hence to access the System and Service on behalf of the Customer;
(j) “Password” means the secret password known only to the Customer or Customer’s Nominated User for access to the System. The Customer or Nominated User may change the password at will;
(k) “Request” means a request or instruction received by the Bank from the Customer or purportedly from the Customer through the System and upon which the Bank is authorized to act on;
(l) “Service” means the WhatsApp banking services, offered by the Bank which may be collectively branded by a product name, as the Customer may from time to time subscribe for;
(m) “System” means the electronic banking and communications software enabling the Customer to communicate with the Bank for the purposes of the Service.
(n) “Application” means a written application for the Service by a Customer;
(o) “User ID” means a unique identifier of the Customer as recorded in the Bank’s core banking system; and
(p) “WhatsApp” means the freeware, cross-platform messaging and voice over service which allows users to share media;
(q) “Bank’s Service Number” means the Bank’s verified phone number for the use of the Service.
1.2 In these Terms and Conditions:
(a) where “the Customer” is more than one person, references to “the Customer” shall include all and/or persons and the obligations of the Customer shall be joint and several;
(b) words in the singular shall include the plural and vice versa and words importing any gender shall include all other genders;
(c) the Customer agrees that the Terms and Conditions set out hereunder shall apply to the use of the Service, as provided by the Bank to the customer; and
(d) the Customer further agrees to accept and abide by such Terms and Conditions and instructions from time to time in force.
2. Application by Customer
2.1 In consideration of the Customer paying to the Bank the fees and charges set out in the tariff, the Bank shall provide the Customer the Service subject to and in accordance with these Terms and Conditions.
2.2 The Customer will apply for the Service by initiating a chat message to the Bank’s Service Number. The System will then validate and authenticate the Customer against their existing Bank Account records with the Bank. The Application shall be subject to the Bank’s approval.
2.3 Once the Bank has approved the Application and the Customer has been maintained in the Bank’s records as an authorized user of the Service, the Bank will provide the Customer with a User ID. The Customer shall create their preferred Password known only to them, and this Password along with their User ID will allow them access for use of the Service.
2.4 The Customer’s application for and use of the Service shall be subject to these Terms and Conditions.. Where there is any conflict between these Terms and Conditions and the Bank’s General Terms and Conditions, these Terms and Conditions shall apply.
3. Joint accounts
3.1 Customers with joint accounts are jointly and severally liable under these Terms and Conditions. Application for the Service made by any of the joint account holders acting alone as per paragraph 2 above will be deemed to be binding on all the holders of the joint accounts. Each joint account holder acting alone, under an assigned User ID and Password may use the Service. The Bank shall not be required to obtain the consent of or notify any other joint account holder of the Requests. However each joint account holder may access the Service for the accounts for which they are an owner, joint owner or Nominated User using the assigned User ID and Password.
3.2 Each joint account holder releases the Bank from any and all liability and agrees not to make any claim or bring any action against the Bank for honouring or allowing any actions or requests whether the person performing the transaction is one of the joint account holders or is otherwise authorized to use the Service.
4. Customer’s Facilities and Customer’s Responsibilities
4.1 The Customer shall at their own expense provide and maintain in safe and efficient operating order such hardware, software and other facilities (including access to any public telecommunications systems) and any communications network (collectively “the Facilities”) necessary for the purpose of accessing the System and the Service.
4.2 The Customer shall be responsible for ensuring proper performance of the Facilities including any losses or delays that may be caused by the Facilities. The Bank shall neither be responsible nor liable for any errors or failures caused by any malfunction of the Facilities nor shall the Bank be responsible or liable for any related problems that may be associated with the use of the System, the Service and the Facilities. The Customer shall be responsible for charges due to any service provider providing the Customer with connection to the internet and the Bank shall not be responsible or liable for losses or delays caused by any such services provider.
4.3 The Customer shall provide the Bank with consent prior to access and use of the System and shall ensure that all persons it allows to have access to the System shall comply with all laws and regulations applicable to the use of the System and shall follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by the Bank concerning the use of the System and Service.
4.4 The Customer shall prevent any unauthorized access to or use of the System and Service by keeping their User ID and Password secret at all times.
4.5 The Customer shall take all reasonable and necessary precautions to detect any unauthorized use of the System and Service. To that end, the Customer shall ensure that all communications from the Bank are examined and checked by or on behalf of the Customer as soon as practicable after receipt by the Customer in such a way that any unauthorized use of and access to the System will be detected.
4.6 The Customer shall immediately inform the Bank by telephone with a written confirmation sent the same day in the event that: (a) the Customer has reason to believe that any Password used by the Customer to gain access to the Service and to communicate with the Bank is or may be known to any person not authorized to know the same and/or has been compromised; and/or (b) the Customer has reason to believe that unauthorized use of the Service has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.
4.7 The Customer shall not send or attempt to send any Request to the Bank through the System if the Customer has reason to believe that for any reason such Request may not be received by the Bank or may not be received accurately and intelligibly.
4.8 The Customer shall at all times follow the security procedures notified to the Customer by the Bank from time to time. The Customer acknowledges that any failure on the part of the Customer to follow the recommended security procedures may result in a breach of the Customer’s profile confidentiality and may lead to unauthorized transactions in account(s) linked to the Customer’s Service subscription with the Bank. In particular, the Customer shall ensure that the Service is not used or Requests are not issued or the Relevant functions are not performed by anyone other than a person authorized to do so.
4.9 The Customer shall not at any time operate or use the Service in any manner that may be prejudicial to the Bank.
4.10 The Bank shall be entitled and authorized to debit the Customer’s Bank Account with the amounts of the transactions effected via the Service as well as debit the Customer’s Bank Account with the amount of any fees applicable to the Service from time to time.
4.11 With regards to reversal that lead to failed transactions owing to system failures or reversals owing to erroneous crediting of an unintended beneficiary, the Customer irrevocably authorizes the Bank to act on all Requests and to hold the Customer liable notwithstanding that such Requests are not issued by/and or authorized by the Customer and/or are not in accordance with any existing mandates given by the Customer. If the Customer requests the Bank to cancel any transaction or instruction after a Request has been received by the Bank from the Customer, the Bank shall cancel such transaction or instruction provided that it has not been effected by the time of receipt of Customer notice.
4.12 The Customer account shall remain active from the time the Customer logs on the Service as long as there is continuous and consistent activity from the Customer on the System. The Customer shall be considered inactive and the System shall log out the Customer after a period of inactivity of sixty (60) seconds, whereby the Customer shall be required to log in again to use the Service.
5. Irrevocable Authority of the Bank
5.1 The Bank is irrevocably authorized by the Customer to act on all Requests received by the Bank from the Customer (or purportedly from the Customer) through the System and to hold the Customer liable thereof, notwithstanding that any such requests are not authorized by the Customer or are not in accordance with any existing mandates given by the Customer. If the Customer requests the Bank to cancel any transaction or instruction after a Request has been received by the Bank from the Customer, the Bank may in its absolute discretion cancel such transaction or instruction but shall have no obligation to do so.
5.2 The Bank shall be entitled to accept and to act upon any request, even if that Request is otherwise for any reason incomplete or ambiguous if, in its absolute discretion, the Bank believes that it can correct the incomplete or ambiguous information in the Request without reference to the Customer being necessary.
5.3 The Bank shall not be obliged to accept or to act upon any Request if to do so would require access to, action by, or information from the Branch, or any Bank Subsidiary located in any jurisdiction where it is not a Banking Day at the relevant time when such access, action or information is required or would cause a breach of any existing mandate facility limit or agreement between the Bank, the Branch and/or Bank Subsidiary (as applicable) and the Customer. In the event that the Bank does accept or act upon any such Request, the Customer shall remain liable thereof.
5.4 In the event of any conflict between any terms of any Request from the Customer and the terms of these Terms and Conditions, the terms of these Terms and Conditions shall prevail. These Terms and Conditions and all authorizations and other procedures agreed under these Terms and Conditions supplement any General Terms and Conditions and any mandates, which apply to the Customer’s Bank Accounts with the Bank.
6. Limits of the Service Transactions
6.1 The Customer may transfer or effect a payment for any amount not exceeding Tanzania Shillings Twenty Five Million (TSHS 25M) or the equivalent in any other currency for internal transfers, and as long as the transaction does not cause the balance in the Deposit Account to be less than zero unless the Customer has either an approved overdraft facility for the affected Deposit Account or a term Deposit Account pledged with the Bank to cover excesses that may arise in the affected Deposit Account from time to time in which case the two accounts are linked in the System for that purpose.
6.2 If the Customer has an approved overdraft facility or term Deposit Account linked to the payment Deposit Account, the transfers and/or electronic bill payments using the Service should not exceed the approved overdraft facility or the pledged term Deposit Account.
7. Records of Transactions and Customer Rights to this Information.
7.1 All activities performed by the Customer once allowed access into the System will be logged until the Customer ends a session. The Bank shall maintain copies of all Requests received from the Customer in electronic form. In addition, any hard copies of documentation prepared by the Bank in the process of effecting a transaction as per the Customer’s Requests will be maintained. As between the Customer and the Bank, the Bank’s copy records shall be conclusive evidence of the fact of receipt or non-receipt of a Request and of the contents of such Request.
7.2 The Account statement (hereinafter “the Account Statement”) that the Customer receives at the determined product frequency will reflect all the Service transactions.
7.3 The Customer shall be deemed to have accepted and shall not subsequently challenge or object to any of the transactions contained in the Account Statement if the Customer fails to object to the Account Statement in writing within 30 days from the date the Account Statement was sent or deemed to have been sent to the Customer by the Bank.
8.1 The Customer shall pay to the Bank transaction charges applicable to various transaction types as advised by the Bank from time to time. The Bank may in its sole discretion revise these charges and fees.
8.2 The Customer shall pay any tax chargeable upon any sums payable by the Customer to the Bank and also any other charges or duties levied on the Customer or the Bank by any governmental or statutory body relating to the provision of the Service.
8.3 The Bank is hereby irrevocably authorized from time to time to debit any amounts payable by the Customer under the provisions of subparagraphs 8.1 and/or 8.2 to any account in any currency maintained by the Bank, the Branch and/or the Bank subsidiaries (as applicable) in the name of the Customer. In addition to the fees payable under these Terms and Conditions, the charges and fees applicable to the Customer’s Bank Accounts will apply.
9. Exclusion of Liability
9.1 Circumstances not within the Bank’s control.
The Bank shall not be responsible or liable for any loss suffered by the Customer should the Service be interfered with or be unavailable by reason of (a) any industrial action, (b) the failure of any of the Customer’s Facilities, or (c) any other circumstances whatsoever not reasonably within the Bank’s control including, without limitation, force majeure or error, interruption, delay or non-availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.
9.2 Electronic Bill Payments and Transfer of Funds.
(a) the Bank will not be liable for any losses or damage suffered by the Customer as a result of delay, failure and/or refusal by the Bank to act on a Request in time or at all in any one or more of the following circumstances (as the case may be): (i) if the Customer does not have enough funds in the Deposit Account; (ii) if the payment or transfer would result in the Customer’s approved overdraft facility limit being exceeded; (iii) if the Customer does not authorize a bill payment in good enough time for the payment to be made and properly credited by the payee (the Customer’s counter-party) by the time it is due; (iv) if the System or the Customer’s Facilities were not working properly; (v) if circumstances beyond the Bank’s control including those specified in sub paragraph 10.1 above prevent the Bank from making a payment or transfer; (vi) if the money in the Customer’s account is subject to legal process court order or other encumbrance restricting the payment or transfer; (vii) if the Customer does not give proper or complete instructions for the payment or transfer or the Customer does not follow the procedures in this or other applicable agreement with the Bank for requesting a payment or a transfer; (viii) if the Bank has reason to believe that the Customer or someone else is using the Service for fraudulent or illegal purposes; (ix) if a payment or a transfer request would consist of money deposited in a form or by a method that has not yet made the money available for withdrawal; (x) if the payment or transfer request is in contradiction or conflict with other existing account agreements with the customer; and (xi) if the payment or transfer request is received at a time when it is operationally not possible to effect the same within working hours of that day.
(b) if the Bank makes a timely payment or transfer but the payee nevertheless fails to credit the Customer’s payment promptly after receipt, the Bank shall not be liable for any loss or damage suffered by the Customer as a result of such failure on the part of the payee.
(a) the Customer shall indemnify and keep the Bank indemnified on a full and unqualified indemnity basis against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank in connection with or arising from (a), (b) and/or (c) of subparagraph 9.1 or where the particular circumstances is within the Customer’s control and against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank as a consequence of any breach by the Customer of any term or condition hereof; (b) the Customer shall indemnify and keep indemnified the Bank against any demands, claims, actions, losses, damages or costs relating to or in connection with the Service, whether directly or indirectly, unless such demands, claims, actions, losses, damages, or costs arose as a direct consequence of the gross negligence or willful misconduct of the Bank or any of its employees; (c) the Customer shall indemnify and keep indemnified the Bank against the following: (i) all demands, claims, actions, losses and damages of whatever nature which may be brought against the Bank or which it may suffer or incur arising from the Bank’s reliance on any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by the Bank; (ii) any loss or damage that may arise from the Customer’s use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs; (iii) any unauthorized access to the Customer’s accounts or any breach of security or any destruction or accessing of the Customer’s data or any destruction or theft of or damage to any to the Customer’s equipment; (iv) any loss or damage occasioned by the failure by the Customer to adhere to any terms and conditions applicable to the Service and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction.
9.4 if for any reason other than a reason mentioned in subparagraph 9.1 the Service is interfered with or unavailable, the Bank’s sole liability in respect thereof shall be to re-establish the Service as soon as reasonably practicable or, at the Bank’s option, to provide to the Customer alternative banking facilities which need not be electronic facilities.
9.5 save as provided in subparagraph 9.4, the Bank shall not be liable to the Customer for any interference with or unavailability of the Service, howsoever caused.
9.6 under no circumstances shall the Bank be liable to the Customer for any loss of profit or anticipated savings or for any indirect or consequential loss of whatever kind, howsoever caused, arising out of or in connection with the Service.
9.7 except in respect of death or personal injury caused by the negligence of the Bank, the Bank shall be under no liability for any claim whatsoever in respect of any terms and conditions contained herein or their performance thereof or any transactions effected by the Bank in response to any Request unless the Bank has received notice in writing of any such claim from the Customer:
(a) in the case of any claim relating to a transaction, within thirty (30) days from the date of the alleged transaction on which such claim is based; and
(b) in all other cases within ninety (90) days of the date of the alleged action or inaction by the Bank on which such claim is based.
9.8 to the extent permitted by law, the Bank: (a) disclaims all warranties with respect to the System and Service either express or implied, including but not limited to any implied warranties relating to quality, fitness for any particular purpose or ability to achieve a certain result; and
(b) makes no warranty that the System is error free or that its use will be uninterrupted and the Customer acknowledges and agrees that the existence of such errors shall not constitute a breach of these Terms and Conditions.
The Bank may vary these Terms and Conditions at any time by giving a 30 days’ notice to the Customer. Notification of any such variation will be given to the Customer either in writing or by publication thereof by such means as the Bank may decide and such variation shall be binding on the Customer.
11.1 Notwithstanding anything contained in these Terms and Conditions, the Subscription may be terminated at any time by either party.
11.2 Upon termination, if the Customer re-applies for a Subscription, a reconnection fee may be payable.
11.3 The Bank may unilaterally terminate the Subscription for any reason, including but not limited to in the event that the Customer’s Bank Account does not have sufficient available balances for the Bank to debit the applicable charges for the Subscription.
11.4 The Customer may terminate or deregister or deactivate from using the Service under “Services” menu item then “Deactivate from WhatsApp Banking”.
11.5 The termination of the Service shall not, in itself, terminate or affect the relationship between the Bank and the Customer.
12. General Provisions
12.1 The Customer shall not assign any benefit or any rights arising hereunder without the prior written consent or confirmation from the Bank.
12.2 No waiver by the Bank of any breach by the Customer of any of the Terms and Conditions hereof shall be effective unless it is an express waiver in writing of such breach. No waiver of any such breach shall waive any subsequent breach by the Customer.
12.3 the Customer acknowledges:
(a) that he/she has not relied upon any representation, warranty, promise, statement of opinion or other inducement made or given by or on behalf of or purportedly by or on behalf of the Bank in deciding to; and that
(b) no person has or has had authority on behalf of the Bank whether before, on or after the subscription to make or give any such representation, warranty, promise, statement of opinion or other inducement to the Customer or to enter into any collateral or side agreement of any kind with the Customer in connection with the Service.
12.4 for the avoidance of doubt, nothing herein shall vary, discharge or in any other way affect or prejudice any security granted by the Customer or any third party in favour of the Bank in relation to any obligations of the Customer which may rise if any Request from the Customer hereunder is acted upon by the Bank.
12.5 if any provision of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any jurisdiction, such illegality, invalidity or enforceability shall not affect the legality, validity or enforceability of the remaining provisions of these Terms and Conditions.
12.6 any notice required to be given in writing under these Terms and Conditions shall be sufficiently served if sent by registered post, stamped and properly addressed:-
(a) to the manager of the Branch or of the Bank at the address of the Branch or the Bank, if to be served on the Bank; or
(b) to the Customer at the address of the Customer as per the Bank’s records, if to be served on the Customer. And shall be deemed to have been served five Banking Days after posting.
13. Confidentiality and Disclosure
13.1 The Customer undertakes to maintain strict confidentiality of its User ID and Password and any other information and materials of any nature supplied to it by the Bank in relation to the Service. The Customer agrees to notify its agents, employees and/or sub-contractors of the provisions of this paragraph and to impose this confidentiality requirement on its agents, employees and/or sub-contractors entering into separate agreements, if necessary. The Customer shall be fully liable to the Bank for any breach of the provisions of this paragraph by itself, its employees, agents and/or sub-contractors.
13.2 The Customer hereby agrees that, if necessary for the provision of the Service, the Bank may disclose information about the Customer to any member of the Bank Group.
13.3 The Customer also hereby agrees that the Bank may disclose information about the Customer to third parties in the following circumstances:-
(a) where such disclosure is necessary in order for the Bank to act on a Request;
(b) in order to comply with any law regulation or court order. If the Bank has to obey an order for information from an authorized government body, the Bank may, to the extent required by law, notify the Customer before giving out the information;
(c) disclosure to the Bank’s agents, sub-contractors, auditors, attorneys and other professional service providers to the extent required in the normal course of their duties;
(d) disclosure to a licensed credit reference agency the services of whom the Bank may have subscribed to; (e) if it involves a claim by or against the Bank in respect of an item deposited or drawn against the Customer’s account; and
(f) If the Customer authorizes the disclosure.
14. Intellectual Property Rights
14.1 The Customer acknowledges that the intellectual property rights in the System (and any amendments or enhancements thereto from time to time) and all associated documentation that the Bank provides to the Customer through the System or otherwise are vested either in the Bank or in other third parties from whom the Bank has a right to use and to sub-license the System and/or the said documentation. The Customer shall not infringe any such intellectual property rights.
14.2 The Customer shall not duplicate, reproduce or in any way tamper with the System
The headings contained in these Terms and Conditions are for convenience of reference only, and shall not be deemed to be a part of these Terms and Conditions neither be referred to in connection with the interpretation of these Terms and Conditions.
In the event that any provision of these Terms and Conditions or the application of any such provision to any person or set of circumstances shall be determined to be invalid, unlawful, void or unenforceable to any extent, the remainder of these Terms and Conditions and the application of such provision to persons or circumstances other than those as to which it is determined to be invalid, unlawful, void or unenforceable, shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.
If there are two or more persons comprised in the expression “the Customer” then the undertakings and liabilities of the Customer under these Terms and Conditions shall be joint and in solid undertakings and liabilities shall be construed accordingly and reference herein to the “Customer” shall mean any or more of them. If the customer is a corporate body, then these Terms and Conditions shall continue in full force and effect and continue to bind each of its assigns and successors.
17. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United Republic of Tanzania and all disputes, actions and other matters relating thereto will be determined in accordance with such law.
PRIVACY NOTICE FOR ACCESS OF THE SERVICE
Privacy Notice This Privacy Notice (the “Notice”) governs how I&M Bank (T) Limited (hereafter, “I&MT”), collects, uses, and discloses personal data from and about consumers of I&MT services, website and web applications that link to this Notice (collectively referred to as, the “Services”). Personal data in this context means information relating to an identified or identifiable natural person.
We advise you to read the Notice in its entirety, including the region-specific provisions in this Notice, which will apply to users in certain regions or jurisdictions.
Personal data collected through the services I&MT collects and uses certain personal data in order to operate and provide you with access to the Services. This includes information that you provide to us and information that we collect automatically when you visit or interact with the Services.
Information that you provide to us We collect personal data that you voluntarily provide to us when you use the Services. This information includes, without limitation: your email addresses, telephone numbers, and other contact details; biographical information; audio and visual data, social media information; submissions to our customer service; feedback on our website, web or mobile app; online preferences, such as alerts; and business information, such as your company name and industry.
Information that we collect about your use of the services We collect information about your use of the Services and about the device you use to access the Services, including: the pages you request and visit; the posts you submit; information on your interaction with other users; information obtained in the course of maintaining or supporting the Services; information about your internet use, such as your IP address, the URLs of sites from which you arrive or leave the Services, your type of browser, your operating system, your internet service provider; and, if you access the Services via your mobile device, we may also collect information about your mobile provider, IMSI, IMEI and type of mobile device. We (and our data processors) use different technologies to collect this information, including cookies and web beacons. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, and understand usage and campaign effectiveness. For more information about cookies and how to disable them, please visit this-page.
Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through apps used for behavioural advertising purposes.
How personal data is used We use the personal data we collect to provide, maintain, and improve the Services. We also use it to:
. Send you technical notices, general updates, goodwill messages, security alerts, and support and administrative messages (such as changes to our terms, conditions, and policies) and to respond to your comments, questions, and customer service requests;
• Receive and respond to your submissions on the Services such as submissions on I&MT website, web applications and mobile applications, social media and submissions to Customer Service Contacts;
• Permit you to participate in voluntary polls and surveys (we may use third parties to deliver incentives to you to participate in such polls and surveys, and you may be required to provide your contact details to the third party in order to fulfil the incentive offer);
• Communicate with you about products, services, and events offered by I&MT and others, and provide news and information we think will be of interest to you (visit this-page for information about how to opt out of these communications at any time);
• Monitor and analyse trends, usage, and activities in connection with our Services;
• Develop new products and services and enhance current products and services;
• Detect, investigate, and prevent fraudulent transactions and other illegal activities, and protect the rights and property of I&MT and others; and
• Carry out any other purpose described to you at the time of collecting information.
How personal data is shared We may share your personal data as follows or as otherwise described in this Notice:
• With our data processors that host, maintain, manage, or provide other services to us in relation to the Services; • To co-operate with public and government authorities and law enforcement, to respond to a request, or to provide information in accordance to existing laws; • For other legal reasons, such as to monitor compliance with and enforce our terms and conditions, to protect our rights, privacy, safety, or property, and/or that of our affiliates, you or others, to protect against criminal activities, and for risk management purposes; and • In connection with a sale or business transaction, such as to an acquiring entity or its advisors in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings). We may also share aggregated pseudonymised or anonymised information that cannot reasonably be used to identify you.
Children All our Services provided to children align to the data protection requirements for Minors. These include consent provided by the child’s parent/guardian and age verification. If you have reason to believe that a child has provided personal data to us, please contact us and we will endeavour to delete that information from our databases.
Links to other websites The Services may contain links to other websites. Please note that IMT is not responsible for the privacy or information security practices of other websites. You should carefully review the applicable privacy and information security policies and notices for any other websites you click through to via the Services. This Notice applies solely to your personal data collected by the Services.
Security We seek to use appropriate technical and organizational measures to safeguard personal data within our organization against loss, theft, breach, and unauthorized use, disclosure, or modification. Please refer to the content below to note your obligations in controlling you privacy and data.
Control Your Privacy & Data Marketing emails and alerts If you no longer want to receive marketing-related emails and alerts from I&MT, you may opt out/ unsubscribe by following the instructions contained within each such email or through I&MT call centre. We will endeavour to comply with your request as soon as is reasonably practicable. Please note that if you opt out of receiving marketing-related emails and alerts, we may still send you administrative messages, from which you cannot opt out or unsubscribe.
Cookies Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services. For more information about cookies and how to disable them, please visit this-page Changes to this notice From time to time, we may revise this Notice. Changes may be made for any number of reasons, including to reflect industry initiatives, changes in the law, and changes to the scope of the Services, among other reasons. You can tell when we last updated the Notice by checking the date at the beginning of the Notice. Any changes will become effective when we post the revised Notice on the Services. Contact us If you have any other questions concerning this Notice, please contact us
Appendix Provisions regarding the Data Protection Act and General Data Protection Regulations (GDPR) which applies to European Union (EU) residents. Legal basis for processing When we process your personal data we will only do so in the following situations: • When we need to use your personal data to perform our responsibilities under our terms and conditions (e.g., to facilitate your participation in voluntary polls and surveys); • When we have a legitimate interest in processing your personal data. For example, we may process your personal data to send you marketing communications, to communicate with you about changes to the Services, and to provide, secure, and improve our Services; • When we find such processing is necessary to comply with our legal obligations; and • When we have your consent to do so. When consent is the legal basis for our processing, you may withdraw such consent at any time, in accordance to applicable laws and regulations. Data subject requests In your use of the Services, I&MT aims to give you more control of your personal data. We conform to the data protection principles that provide you with the following rights: • Right to access – you can ask us whether we are processing your personal data, including where and for what purpose. You can also access an electronic copy of your personal data. • Right to restrict processing – in certain circumstances, you can ask us to restrict our use of your personal data. • Right to rectification – you can ask us to correct inaccurate personal data we hold about you. • Right to erasure (right to be forgotten) – under certain circumstances, you can ask us to erase your personal data. • Right to data portability – at a cost, you can ask us to provide you with a copy of your personal data in a commonly used electronic format, so that you can transfer it to other businesses. • Right to object to automated decision-making – in certain circumstances, you can ask us not to make automated decisions about you based on your personal data, which produce significant legal effects. It is important to note that the above rights are subject to the applicable laws and regulations. Data retention We retain personal data for as long as required by applicable laws and regulations.
Data controller Except as otherwise specified on any subsections within sites or apps that comprise the Services, your personal data will be controlled by I&MT.
Data transfer Your personal data may be stored and processed in any country where we have facilities or in which we engage data processors in accordance to the applicable data protection laws and regulations.
Acceptance Your use of the Services signifies that you agree to waive your material privacy rights. You also agree not to hold I&MT liable for use of your personal data from the Services as envisaged herein. Your use of the Services signifies your consent to allowing I&MT to disclose personal data as envisaged herein. You agree not to hold I&MT liable for any disclosure of such information.