Privacy Policy – WIC Worldcom Finance Ltd. (“the Company”)
1.WIC Financial Services Ltd. (“the Company”) is committed to protecting and securing the personal information of its customers and users of the application and wallet. The Company places great importance on safeguarding the privacy of its customers and application users and invests significant resources to protect your privacy and the information provided by you or collected about you.
2.This privacy policy is an integral part of the Company’s terms of use for the application and wallet and aims to review and explain, among other things, the types of personal information collected by the Company, the manner of collecting information, the purposes of collecting information, the uses made of the information, and the manner in which the Company safeguards the information.
3.By registering with the application and joining the services offered by the Company, you acknowledge the Company’s privacy policy. You also authorize the Company to store and retain information about you in the Company’s databases, including your personal details and information derived from your use of the application and wallet.
If you do not agree to the terms of the privacy policy and/or the terms of use of the Company, you are not allowed to use the application and/or the services offered by the Company.
4.The Company reserves the right to change its privacy policy from time to time, including to reflect technological, business, legal, regulatory, or other changes. You should regularly review the Company’s privacy policy. Your continued use of the wallet and services will indicate your consent to the changes in the privacy policy as stated.
5. All definitions and terms appearing in this privacy policy shall be identical to those appearing in the Company’s terms of use unless the context requires otherwise.
6.The privacy policy and terms of use are formulated in the male gender for convenience only, and they apply equally to women and men.
Personal Information We Collect or May Collect
6.”Personal information” is any information related to an identified or identifiable individual, including but not limited to: identification document type and details, first name, last name, residential address, email address, date of birth, gender, mobile phone number, country of origin, bank account number, debit card details, IP, device ID, location data during your use of the wallet and/or services, and any other identifying detail or data.
8.In order to register with the application and use the services offered by the Company, you are required to provide the Company with information and details about yourself, such as: identification document type and details, full name, residential address, date of birth, gender, email address, mobile phone number, identification documents, and other details.
It is emphasized that you are not legally obligated to provide the information and data, and the provision of information and data is dependent on your full consent and will. Please note that providing the information is necessary for using the application and receiving the services, and the Company cannot provide you with the services without the provision of the aforementioned information and data.
9.As stated in the terms of use, all information provided to the Company during the registration process and/or the use of the services must be true, accurate, correct, and complete. You are required to update the information as provided during registration to ensure its accuracy and completeness.
10.Please note that personal information provided by you to the Company and/or collected about you by the Company may be verified against information about you already held by the Company or against similar information provided to or held by a third party authorized to provide such information to the Company.
11.The company may request access permissions to your device’s gallery and/or camera in order to submit various documents required for the registration process of the application and opening the wallet, as well as for performing various actions through the wallet that will require you to present different credentials. Please note that permission to access the gallery and/or camera is essential for the registration to the application, and we will not be able to provide you with the services (either all or some of them) without obtaining the mentioned permission.
12.The company may request access permissions to your contacts for the purpose of performing fund transfer actions through the application and/or other additional services through the application. In certain cases, it may not be possible to provide you with the service without the aforementioned permission.
13.In addition to the information you will provide to the company, the company will collect data about your usage and actions performed by you through the application and services, including information about deposits, withdrawals, fund transfers, and any other action made possible through the services. Additionally, information related to your inquiries to the company’s customer service (including call recordings for control and service improvement purposes) will be collected. Moreover, the company may collect information about your location during the use of the services in order to allow you to locate the company’s branches and/or nearest deposit points, as well as your device’s unique identifier, such as the IMEI number, on which the application is installed.
14.In addition to the above, the company may collect information regarding the use of websites, devices, applications, or other automated means, such as cookies and other technologies, as detailed in this privacy policy below.
How do we collect or gather personal information?
15. The company collects personal information directly from you, for example, personal information provided by you during registration for the application and services.
16.The company collects personal information about you through your use of the application and the services offered by the company, including when you perform actions in the wallet, as well as when you visit the company’s website and/or application.
17.In addition, the company collects personal information about you when you contact the company for service (whether by telephone or online). Please note that some of the calls made to the company’s support center are recorded for control and service quality purposes.
18. The company may receive personal information about you from third parties with whom it collaborates to provide the services, including Max Company and/or Isracard, which issues prepaid debit cards to the company’s customers, or other operational entities with whom the company maintains business relationships for the purpose of service delivery.
It is clarified that the company is not responsible for the use of your personal information by third parties who hold such information, and it is recommended to review the terms of use and privacy policy of those third parties.
19.The company may also collect personal information from public sources.
How do we use personal information and for what purposes?
20. The company may use the personal information about you for the following purposes and uses:
20.1. Providing the services offered by the company through the application.
20.2. Ongoing operation of the application and services, including resolving technical and operational malfunctions, improving service quality, and contacting users.
20.3. Personalizing the services offered to you by the company, data analysis, and development of products and services that may interest you.
20.4. Sending marketing and advertising materials, such as offers, services, promotions, and recommendations, including by mail, email, SMS messages, automated dialing system, or any other means of communication, based on your location and preferences as recorded from the use of the application and services.
20.5. Providing you with additional information, including news, updates, and messages from the company, as well as contacting you for questionnaires and surveys to monitor and improve service quality.
20.6. Managing the ongoing business needs of the company, including customer communication, activity management, business continuity, data analysis, development of new products and services, etc.
20.7. For statistical purposes of the company, including creating anonymous data sets, reporting, analyzing trends, and generating analytical models.
20.8. Creating, offering, and operating marketing collaborations and customer clubs.
20.9. Protecting against fraud, preventing fraud, handling fraud cases, and preventing unauthorized and/or unlawful use of your account in the application, as well as securing information, complying with applicable laws, and reporting according to applicable legal requirements on the company.
20.10. In order to comply with all applicable laws and regulations governing the company and for the purpose of risk management and legal and/or regulatory proceedings.
Who may we share personal information with?
21. The company will not transfer, sell, transmit, or share your personal information with third parties without obtaining your explicit consent.
22.Notwithstanding the above, the company may disclose and/or share your personal information with third parties in the following cases:
22.1. Disclosure and sharing of personal information is necessary for the provision of services and/or the use of the application and/or for information security purposes (including your identification). In general, the company may disclose personal information about you to service providers acting on behalf of the company for the purpose of providing the services. It should be clarified that, unless stated otherwise, third parties as mentioned above have no right to use the personal information for any purpose other than the one for which the information was provided. Furthermore, it is known and acknowledged that the company may transfer personal information about you to entities outside the borders of the State of Israel. Despite the aforementioned, it is clarified that when you use third-party websites and/or services, the company is not responsible for the use of information by those third parties or for any information collected by them as a result of your browsing on these websites and/or your use of their services as mentioned . Therefore, it is recommended to review the terms of use and privacy policies of these websites;
22.2. To prevent illegal and/or unauthorized use of the application and/or services;
22.3. Disclosure of information is required by law, court order, and/or within the framework of legal proceedings;
22.4. In case there is suspicion that your actions in the application and/or services violate the company’s terms of use or are carried out for any fraudulent purpose;
22.5. Service providers acting on behalf of the company, such as beneficiaries of benefits programs and/or other participants in payment systems and/or within the framework of business cooperation maintained by the company for the purpose of and/or in connection with the provision of the services offered by it.
22.6. Other entities as required by law or in the event of sale or transfer of the company’s business and/or assets.
22.7. Sharing anonymous statistical information with the company’s business partners for the purpose of improving services and/or providing new services.
The manner and duration of saving personal information
23. The company maintains registered databases as required by law for the purpose of preserving the details and information provided and/or collected about users of the application and/or services. The information databases serve, among other things, for the purposes of managing and operating the application and services, operational needs, marketing and/or statistical purposes, providing service to customers and users, sales operation and management, conducting surveys, conducting research, direct mailing, and the like, all subject to the provisions of this privacy policy.
24.The company will retain your personal information for as long as the information is necessary to achieve the purposes and perform the actions detailed in this privacy policy above, as well as for any additional period required or permitted by law.
25.The duration of personal information retention depends on the purposes for which the information is collected, the manner in which the personal information is used, and applicable legal requirements.
26.Please note that deleting the application from your smartphone does not constitute the termination of your relationship with the company, Therefore, as long as your relationship with the company has not ended in accordance with the terms of use, the company may continue to use the existing information about you in its databases. Additionally, after the termination of the relationship, the company will continue to retain the existing personal information about you in its databases in accordance with legal requirements and/or as permitted by law. However, the company will not engage in commercial use of the information as stated.
Personal information security
27. The company invests significant resources and employs various measures to safeguard your privacy and secure your personal information to the best of its ability. It aims to prevent unauthorized use of personal data by individuals who are not authorized to access it.
Additionally, the company is committed to updating and enhancing its actions and measures for the purpose of data security, in accordance with applicable legal requirements, from time to time.
28.It is important to note that the company’s systems, as software-based systems, hardware, and communication networks, are exposed to inherent risks associated with such systems, including malicious software (viruses, trojans, etc.), communication line interceptions, unauthorized access to the company’s application or other systems, and other online fraud. Although the company makes significant efforts to protect against these risks, it is not possible to provide absolute protection There is no option for absolute blocking and damages and/or losses may occur due to the realization of any of the mentioned risks, including disclosure and/or disruption of transferred or displayed information within the application, disruptions in the operation of the application and services, delays in response times, including non-execution, incorrect execution, or delayed execution of any instruction, unavailability of the application, and similar occurrences.
29.As stated in the terms of use, the company shall be exempt from liability for any direct or indirect damages, losses, or expenses that may be caused to you as a result of any of the following events/causes:
29.1. Disruption in data or instructions, or non-performance or delayed execution of a payment instruction due to any malfunctions or disruptions in communication lines and/or faulty electronic or mechanical functioning, whether on your end, within the company, or with any third party through which the instructions and information pass.
29.2. Malfunction of any software and/or hardware you have.
29.3. Disclosure and exposure of information by you to any third party, as a result of using the services or due to providing inaccurate details and/or as a result of transferring your device to another party, including for the purpose of device repair, and including cases where such party may expect to receive information from the company through the device or perform various actions through it within the framework of the services, and you shall bear all damages, losses, or expenses incurred by you, the company, or any third party in connection with this.
29.4. Errors, mistakes, or inaccuracies in the content.
29.5. Any bug, virus, Trojan horse, or similar items that can be transmitted to or through any website, device, communication medium, or other platform, social network, or through any third party, or any content that is pasted, transmitted via email, broadcasted, or obtained in any other way.
29.6. Malfunctions or breaches in the device, the device’s operating system, or any installed application.
Rights to Personal Information
30.According to the Privacy Protection Law, Law No. 5719-1981לברר שנכון , you are entitled to access information about yourself that is held in the company’s databases, as well as to request that the company correct or delete such information if it is inaccurate, incomplete, or not up to date. In order to exercise this right, you must submit a written request to the company via email to cs@worldcomfinance.com or through any other platform, social network, third party, or any other means by which the request, whether pasted in an email, transmitted, or obtained in any other way, is sent by mail.
Technologies for Data Collection and Cookies
31.When you visit the company’s website, use the application, or click on online advertisements from the company or email messages from the company, the company may collect certain information about you using various technologies such as cookies, pixel tags, browser analysis tools, server logs, network beacons, and more.
32.The types of information that may be collected about you through these technologies can include IP address, unique device identifier, browser characteristics, device characteristics, operating system details, language preferences, referring URLs, information about actions taken on the website and/or application, dates and times of your visits to the company’s website and/or application, as well as other statistical data about your usage on the website and/or application.
33.The purpose of using these technologies, including cookies, is to collect statistical data about the usage of the website and/or application, verify details, personalize and/or customize the application according to your preferences, identify suitable products for you, display tailored advertisements (including during browsing on other websites), and also for information security purposes.
34.A cookie is a small text file that is transferred to your device by a web server. This file is not a computer program and does not have the ability to read its contents or perform any activity on it. The purpose of using cookies is to quickly and efficiently identify you to the company’s servers when you return and use the services, as well as when you visit other websites, in order to provide you with a better and .
35.Subject to applicable law, as long as you do not change your browser settings to block them, the company will send cookies to your device and use the information stored in these cookies to identify you.
36.The company may publish information about you on various websites that you browse through cookies. During your use of these websites, information about you may be collected in an anonymous manner, without reference to personal information, and the company may use it to tailor the advertising content presented to you to match your interests. It should be noted that those websites you browse are independent sites not affiliated with the company, so it is recommended to review their terms of use and privacy policies.
37.If you prefer to block cookies while browsing websites, you can change the settings of the browser you are using to request your permission each time privately or, alternatively, to reject them altogether. If you don’t know how to do this, you can check the help tab of the browser you are using.
38.In addition to cookies, the company uses “web beacons,” also known as “internet tags,” “pixel tags,” or “transparent GIFs,” for the ongoing and proper operation of the application. Web beacons are tiny graphic files and small code snippets embedded in web pages, advertisements, and company email messages. The information collected through web beacons is not personally identifiable. Web beacons allow the company to understand user preferences regarding the content and services offered by the company (e.g., whether an email message was opened) and enable the company to gauge the response to the services and messages it sends, thereby improving the content and services offered, including advertising methods.
39.In addition to the above, the company may allow certain companies in the future to manage their own advertising networks through the application and/or the company’s website. These ads come from their own computers, not the company. These companies may place cookies on your device and embed web beacons in the advertisements or on the website itself. Web beacons contain small graphical files with unique identifiers designed to collect information about the viewing and usage of the website. This information is intended to personalize the advertising content presented to you based on your interests in a non-identifiable manner and without reference to personal information. Please note that the advertising companies are completely independent and are not subject to this privacy policy. Therefore, if you browse their websites and/or use services provided by them, it is recommended to review the privacy policies of these companies.
Contact Information
43. For any inquiries, questions, or requests regarding this privacy policy, or if you wish to change and/or correct your personal information, please send an email to: cs@worldcomfinance.com. Please include your full details, including your residential address and email address, in any correspondence with the company. The company will endeavor to respond to any reasonable request or inquiry in a timely manner.
44.For any other inquiries, questions, and/or requests, please contact the company’s customer service via email at cs@worldcomfinance.com, or by phone at: 03-9009823, or via WhatsApp at: 972-548016521. Please include your full details, including your address and email for contact purposes, in any correspondence with the company. The company will endeavor to respond to any reasonable request in a timely manner.