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Privacy and Cookies Policies

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of Your information when using the Service and informs You about Your privacy rights and how the law protects You.

We use your personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy has been created with the help of the Privacy Policy Generator.

Interpretation and definitions

Interpretation

Words whose initial letter is capitalized have defined meanings under the following conditions. The following definitions will have the same meaning regardless of whether they appear in the singular or plural.

Definitions

For the purposes of this Privacy Policy:

    • Account means a unique account created for you to access our Service or parts of our Service.
    • Company (referred to as "the Company", "We", "Us" or "Our" in this Agreement) refers to Hablax, INC, 508 Main Street, Wilmington, Delaware 19804. USA.
    • Cookies are small files that a website places on your computer, mobile device or any other device, which contain the details of your browsing history on that website, among its many uses.
    • Country refers to: Delaware, United States
    • Device  means any device that can access the Service, such as a computer, cell phone, or digital tablet.
    • Personal data  is any information that relates to an identified or identifiable person.
    • The service  refers to the website and the mobile application.
    • Service provider  means any natural or legal person who processes the data on behalf of the Company. Refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to help the Company analyze how the Service is used.
    • Third Party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
    • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
    • The website refers to www.hablax.com, accessible from www.hablax.com and the Mobile Application refers to Hablax: Recargas Celulares, accessible from Android and IOS Stores.
    • You refer to the person who accesses or uses the Service, or the company or other legal entity on behalf of which said person accesses or uses the Service, as applicable.

Collection and use of your personal data

    Types of data collected

    Personal Information

    While using Our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

    • Email address
    • Name and surname
    • Phone number
    • Usage data

    Usage Data

    Usage data is collected automatically when you use the service.

    Usage data may include information such as your device's Internet Protocol address (for example, IP address), browser type, browser version, the pages of our Service you visit, the time and date of your visit, time spent on those pages, unique device identifiers and other diagnostic data.

    When you access the Service through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, the unique identification of your mobile device, the IP address of your mobile device, your mobile device operating system, the type of mobile Internet browser you use, unique device identifiers, and other diagnostic data.

    We may also collect information that your browser sends each time you visit our Service or when you access the Service through a mobile device.

    Additionally, in usage data, we also capture your phone's contact book only as a read query, if and only if you grant access. It is very important that you know that your stored contacts are not stored in the Hablax database at any time. They are only used as a query to be able to provide you more comfortably with the call functions and purchase of our services to those contacts. Your numbers and all the information you stored, may not be used, at any time, for commercial purposes, nor will we request your permission to save that data or contact on your behalf.

    Tracking technologies and cookies

    We use cookies and similar tracking technologies to track activity on our service and store certain information. The tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies we use may include:

    • Cookies or browser cookies:   A cookie is a small file that is placed on your device. You can instruct your browser to reject all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service. Unless you have adjusted your browser settings to reject cookies, our service may use cookies.
    • Cookies Flash:   Certain features of our Service may use locally stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash cookies are not managed with the same browser settings as those used for browser cookies.
    • Web beacons:Certain sections of our Service and our emails may contain small electronic files known as web beacons (also called clear gifs, pixel tags, and single-pixel gifs) that allow the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and checking the integrity of the system and the server).

    Cookies can be 'persistent' or 'session' cookies. Persistent cookies remain on your personal computer or mobile device when you disconnect, while session cookies are removed as soon as you close your web browser.

    We use session and persistent cookies for the purposes set out below:

    • Necessary / essential cookies

      Type: Session Cookies

      Managed by: Us

      Purpose: These cookies are essential to provide you with the services available through the website and to allow you to use some of its functions. They help authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services you have requested cannot be provided, and we only use these cookies to provide those services to you.

      Our services may use connectors to social networks (social plugins) such as Facebook, Twitter, Google, etc. In this case, you should consult the cookie policy of these social networks, since by using the social registry you are authorizing the social network to store cookies.

    • Cookies policy / Cookies acceptance of notices 

      Type: Persistent Cookies

      Managed by: Us

      Purpose: These cookies identify whether users have accepted the use of cookies on the website.

    • Functionality cookies

      Type: Persistent Cookies

      Managed by: Us

      Purpose: These cookies allow us to remember the choices you make when you use the website, such as remembering your login details or your language preference. The purpose of these cookies is to provide you with a more personal experience and to prevent you from having to re-enter your preferences each time you use the website.

Use of your personal data

    The Company may use Personal Data for the following purposes:

    • To provide and maintain our Service,  including to monitor use of our Service.
    • To manage Your Account:   to manage Your registration as a user of the Service. The Personal Data that you provide may give you access to different functionalities of the Service that are available to you as a registered user.
    • For the execution of a contract:  he development, fulfillment and execution of the purchase contract for the products, articles or services that you have purchased or any other contract with Us through the Service.
    • To contact you:   To contact you by email, phone calls, SMS or other equivalent forms of electronic communication, such as push notifications from a mobile application about updates or informative communications related to the functionalities, products or services contracted, including security updates, when it is necessary or reasonable for its implementation.
    • To provide you with news,  special offers and general information about other goods, services and events that we offer and that are similar to those you have already purchased or inquired about.
    • To manage your requests:   To attend and manage your requests for us.
    • For business transfers: we may use your information to evaluate or carry out a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, either as a going concern or as part of a bankruptcy, liquidation, or similar procedure, in which the Personal Data we have about the users of our Service is among the transferred assets.
    • For Other Purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and to evaluate and improve our Service, products, services, marketing, and your experience.

    We may share your personal information in the following situations:

    • With service providers: we may share your personal information with service providers to monitor and analyze the use of our service, to communicate with you.
    • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing or acquisition of all or a portion of Our business from another company.
    • With affiliates:  We may share your information with our affiliates, in which case we will require them to comply with this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners, or other companies that we control or are under common control with us.
    • With business partners: We may share your information with our business partners to offer you certain products, services or promotions.
    • With other users:  When you share personal information or otherwise interact in public areas with other users, that information can be seen by all users and can be publicly distributed abroad. If you interact with other users or register through a third-party social networking service, your contacts on the third-party social networking service can see your name, profile, images, and description of your activity. Similarly, other users will be able to see descriptions of your activity, communicate with you, and view your profile.

Conservation of your personal data

    The Company will retain your personal data only for as long as it is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

    The Company will also retain the Usage Data for internal analysis purposes. Usage data is generally kept for a shorter period of time, except when this data is used to strengthen security or improve the functionality of our service, or we are legally obliged to keep this data for longer periods of time.

Transfer of your personal data

    Your information, including Personal Data, is processed in the operational offices of the Company and in any other place where the parties involved in the processing are located. It means that this information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

    Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

    The Company will take all measures reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or country unless there are adequate controls in place including the security Your data and other personal information.

Disclosure of your personal data

    Business transactions

    If the Company is involved in a merger, acquisition or sale of assets, your personal data may be transferred. We will notify you before your personal data is transferred and is subject to a different privacy policy.

    Compliance with the law

    In certain circumstances, the Company may be required to disclose your personal data if required to do so by law or in response to valid requests from public authorities (for example, a court or government agency).

    Other legal requirements

    The Company may disclose your personal data if it believes in good faith that such action is necessary to:

    • Comply with a legal obligation
    • Protect and defend the rights or property of the Company.
    • Prevent or investigate possible irregularities in relation to the Service.
    • Protect the personal safety of Service Users or the public
    • Protect yourself against legal liability

    Security of your personal data

    The security of your personal data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

    Request for Deletion of your personal data

    In the event that the user decides to stop using the application, they may request the deletion of their account and their personal data by contacting our support team through the express channels in the contact us section of these policies or by accessing the help chat of the Hablax App and Website (www.hablax.com). If your request is made via email, the process could take up to 24 hours.

Privacy of minors

    Our Service is not directed to any underage person. We do not knowingly collect personally identifiable information from any underage person. If you are a parent or guardian and you know that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from any minor without verification of parental consent, we take steps to remove that information from our servers.

    If we need to rely on consent as a legal basis for processing your information and your country requires parental consent, we may need your parental consent before we collect and use that information.

Links to other websites

    Our Service may contain links to other websites that are not operated by Us. If you click on a third party link, you will be directed to that third party's site. We strongly recommend that you review the Privacy Policy of each site you visit.

    We do not control or assume any responsibility for the content, privacy policies, or practices of third-party sites or services.

About the Money Transfer Service

    These money transfer services are provided exclusively by Lemargo Inc., a Canadian company located at 57 Neeland Road, Markham, Ontario. L3S 1W8, registered for the purpose of providing money transmission services under registration number 1078188. Hablax does not offer banking or money transmission services.

    This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your information in connection with the money transfer service. It applies to the services we provide through our website (www.hablax.com) or our iOS and Android mobile applications and our network of third-party partners (for example, payment agents, processors, and retailers such as Lemargo, Inc.) to the extent that they are involved in the processing and completion of a money transfer.

    You agree to this Privacy Policy when you register for, access, or use our products, services, content, features, technologies, or functions offered through our websites and all related sites, mobile applications, and services.

    Please contact us at [email protected] if you have any questions about this Privacy Policy.

  1. Some definitions:
    When we say ‘us’, ‘us’ and/or ‘Hablax’, we mean Hablax, Inc. When we say ‘you’, ‘customer’ or ‘user’ we mean the person who has registered to use the Money Transfer Services.
  2. Information we collect from you and why we collect it.
    We collect information about you through various mechanisms, including: (1) your transactions with us and Lemargo, Inc; (2) your use of our website, mobile applications, networks, and services; and (3) other third parties, including but not limited to consumer reporting agencies, identity verification services, and publicly available sources.
  3. Personally Identifiable Information.
    Personally Identifiable Information (‘PII’) is information that can be linked to you personally and includes information such as your name, address, date of birth, email address, telephone number, or unique mobile device identifier.
    You do not have to provide PII to access certain information on the websites or download the mobile application, but Lemargo will collect certain PII about you and the recipient of the money transfer when you create a transfer.
    The following are examples of PII that Lemargo may collect from you in the course of providing the service you request through Hablax:
    • Your full name, address, email address, date of birth and telephone number(s). We may also collect certain sensitive information from you, including your bank account number, debit card number, identification, and social security number. In addition to other documents that allow us to verify your identity such as a selfie or photo of your identity document.
    • PII that you provide to us in the course of your participation in promotional or rewards programs.
    • Third-party PII that you may provide to enable the transfer of funds, such as your recipient's full name, address, telephone number, email address, ID, and date of birth. We may also collect from your sensitive financial information about your recipient based on the type of transfer you select, including, but not limited to, bank account information or debit number. If you provide PII and sensitive financial information about your beneficiary, you represent that you have obtained your beneficiary's permission to provide this information.
    • Information about your use of the Service, including your transaction history, how you use the Service to send or receive money, and to whom you send money.
    • Information that can be legally obtained from third parties, including credit reporting agencies and providers of database and identity verification services.
    • Information provided during recorded communications with our Customer Service department, including telephone calls and electronic communications.

    Lemargo collects this information for the following purposes:

    • To allow the processing of your transactions;
    • To verify your identity;
    • To allow the collection of payment for your use of the Service;
    • To troubleshoot problems with the Service;
    • To comply with applicable laws and regulations related to customer identification, ‘know your customer’ procedures and the fight against money laundering and the financing of terrorism;
    • To detect and prevent fraud and other illegal uses of the Service;
    • To send you marketing notices, service updates and promotional offers;
    • To communicate with you by telephone directly or through autodialed or prerecorded message calls or text messages (SMS) (see SMS Terms), as authorized, for the purposes described in this Privacy Policy;

    And

    • To survey information that will be used to monitor or improve the use of our Service and overall customer satisfaction.
  4. Other information
    When you use the Service, both Hablax and Lemargo may collect non-personally identifiable information that does not reveal your specific identity (‘Other Information’). We may collect this information through (i) server log files, (ii) environmental variables, (iii) cookies, (iv) web beacons, and (v) information that you voluntarily provide.
    Examples of other information we may collect from you:
    IP Address: Your Internet Protocol (‘IP’) address is a number automatically assigned by your Internet Service Provider to the computer you are using. This number is automatically identified and recorded in our server log files each time you visit the Websites. We and our third-party service providers use IP addresses to administer the Websites. The collection of IP addresses is standard practice on the Internet and is done automatically by many websites.
    Environmental variables, such as your MAC address, computer type, screen resolution, operating system version, Internet browser and version, are collected by most websites and can be used to optimize your website experience.
    Cookies: See the cookies section of the general policies at the top.
    Other miscellaneous information (eg, your interests, your geographic location, etc.) is collected when you voluntarily provide such information to us. In addition, we may aggregate PII in a way that does not personally identify you. Such aggregated information is considered Other Information. Because this Other Information does not personally identify you, we may use such information for any lawful purpose. In addition, we reserve the right to share such Other Information with anyone to the extent permitted by law.
  5. How and when we share your information
    We do not disclose information about current or former consumers, except as permitted by law.
    Examples of disclosures of information permitted by law include the following:
    • disclosures made to effect, administer or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer;
    • disclosures made to protect the confidentiality or security of records relating to our consumers, our Services and products, or the transactions we process or handle;
    • disclosures made to protect you against actual or potential fraud, identity theft, unauthorized transactions, claims or other liability;
    • disclosures made to resolve consumer inquiries or disputes;

    And

    • Disclosures made to comply with federal, state, and local laws or regulations and other legal requirements, such as subpoenas or other legal process.

Changes to this privacy policy

    We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

    We will inform you by email and / or a prominent notice on Our Service, prior to the change becoming effective and update the "Last Updated" date at the top of this Privacy Policy.

    You are encouraged to review this Privacy Policy periodically for changes. Changes to this Privacy Policy are effective when they are posted on this page.

    Contact Us

    If you have any questions about this Privacy Policy, you can contact us:

Last Updated: April 30, 2022