Privacy Policy

This Privacy Policy describes how SmartMinds Enterprise OÜ (“Virtu”, “we”, “us” or “our”) handles information about yourself that you may provide us with through your use of the Site or Service (“Personal Information”) and should be read along with our Terms of Use posted here, and all other operating rules and additional terms and conditions published on our Site.

Virtu is committed to keeping your information secure and managing it in accordance with our legal responsibilities under privacy and data protection laws where we operate. Virtu uses your Personal Information only in accordance with this Privacy Policy and Applicable Law. Virtu does not sell your Personal Information to third parties. Any capitalized terms not defined in this Privacy Policy are defined in the Terms of Use.

Acceptance of Virtu Privacy Policy

1. By using the Site and the Service you are deemed to have read and understood this Privacy Policy. Virtu reserves the right to update this Privacy Policy at any time by posting an updated version on the Site, and you are deemed to have read and understood the current version each time you use the Site. We encourage you to periodically review this page for the latest information on our privacy practices.

Personal Information We Collect from Users

1. When you use the Site and Service, as is the case with most websites, certain limited information (such as your browser type and IP address) will be collected by us automatically.
   • When you create an Account, we will collect basic contact information about you to set up your account so you can make donations or raise funds. This will include your name, address, and email address.
   • Ask you to register a password to gain secure access to your account in the future.
2. When you make a donation to the Virtu Fund, we will collect basic payment information. If you are eligible for UK Gift Aid, we may also ask you to confirm your UK home address.
3. When you create an Account on Virtu for the purpose of listing a Project, we may ask, among other things, for your name, email address, postal address, phone number, bank account details, and password.
4. You may decline to provide us with your Personal Information, but this may prevent you from using certain services.

How We Use Personal Information

• • We may use Personal Information collected from users for a number of purposes: administering donations made;
• personalizing the look and feel of the Site and our communications with users to fit personal preferences which you have told us about, such as your donation history;
  • providing Project Donors with updates on relevant Projects, including information: about their Outstanding Donations;
  • about the Project Owner’s progress in achieving Project Goals;
  • to help us prevent fraud associated with online payments;
  • to carry out bank account verification and identity checking;
  • providing information to Project Owners about Donations made to their Project(s), so they can track the total donations;
  • providing service update emails regarding the Service and your specific account;
  • improving our service – for example, you may be asked to complete one of our online user satisfaction surveys.
• We will not publicly display your name regarding donations you have made to a Project unless we have your permission to do so.

How We Share Personal Information with Project Owners

1. If you donate to the Virtu Fund, the voted Project Owner will be provided with:
   • the specified amount in the SmartContract and Challenge.
2. With your explicit permission (e.g., with tick boxes), we may share your Personal Information with Project Owners so that they can send you correspondence about activities that are not directly connected to their Project listed on Virtu, including emails telling you more about their charity, and soliciting donations.
3. If you receive any further correspondence from Project Owners in accordance with Clause 4.2.:
   • it will not be governed by this Privacy Policy.
   • It will be governed by their privacy policies (if applicable), and you may ask them to stop communicating with you by contacting them in accordance with the terms of their privacy policy (if applicable) and the relevant laws.
4. We require all Project Owners to keep Personal Information we share with them safe and secure.
5. When you donate to the fund, we may collect details of your physical address. This Personal Information will not be shared with the Project Owner or any third parties or displayed on the Site in a way that will allow others to identify you or your precise location.

Sharing Your Personal Information With Others

1. We may provide Personal Information to:
   • Companies that provide services to help with our business activities. These companies are authorized to use Personal Information only as necessary to provide these services to us and are obliged to keep our users’ Personal Information confidential;
   • banks and payment providers – to authorize and complete payment transactions;
   • third-party identity checking or credit reference agencies – for the purposes of identity checking and bank account verification;
   • organizations within the payment card industry to help prevent online fraud;
2. If Virtu is involved in a merger, acquisition, or sale of all or a portion of its assets, your Personal Information will be shared with the relevant co-party.
3. When we provide Personal Information to these third parties, it is possible that this will involve transferring your Personal Information to countries outside the European Economic Area (“EEA”). Where this is the case, we will ensure that there are measures in place so that your Personal Information has an adequate level of protection.

Communications From Us

1. Where you have indicated you would like to receive updates, we may send marketing in the form of email alerts and newsletters to tell you about developments in the Service. To do so, we will use your personal preferences, which you have told us about, which we have derived from Cookies (see Section 9 below) and/or which we have inferred from your
   use of the Service or market research.
2. You can unsubscribe from receiving certain electronic messages by following the “unsubscribe” instructions included in our communication.

Legal Obligations

1. We keep records of your Personal Information for as long as required to operate the Service in accordance with legal, tax, and accounting requirements. Where your information is no longer required, we will ensure it is disposed of in a secure manner.
2. Virtu will comply with any legal obligation or court order, and where we are otherwise requested to provide information, we may provide it to law enforcement bodies but only in accordance with applicable privacy and data protection laws;
3. You have the right to request a copy of the Personal Information we hold about you.
4. Such requests should be addressed to Virtu here.

Keeping information secure

1. We invest significant resources to protect your Personal Information from loss, misuse, unauthorized access, modification, or disclosure. However, no internet-based site can be 100% secure, and we cannot be held responsible for unauthorized or unintended access that is beyond our control.

Analytics and social media plugins

1. We use analytics tools on our website to provide the service you request, identify service issues to us, improve our services and to provide content tailored to users’ personal preferences and profiles.
2. These tools may be provided by third-party service providers and may include the collection and tracking of certain data and information regarding the characteristics and activities of visitors to the Site.
3. We may disclose data, including personal information, to certain such third-party services providers in order to obtain such services.
4. If you use buttons on our website linked to social media or similar sites (for example “Share” buttons), content from our website may be sent back to that other website and, depending on your privacy settings, may be privately or publically visible (for example to friends, followers or generally to anyone who has access to your profile
   page).
5. You may request further details on these other tools and third parties from us by contacting us here.

Cookies

1. Our website uses cookies (which includes third party cookies to support social media, personalization, and analytics functionality).
2. Cookies are small computer files which are downloaded onto your device and collect information about the way in which you navigate and use the Site and the internet. Cookies do not collect information which allows us to identify individual users.
3. The information provided by cookies helps us to provide you with a more personal experience and allows us to make improvements to our services over time.
4. You may delete and block all Cookies or decide to just block certain types of cookies via your browser setting. However, if you choose to block or delete Cookies, this may affect the functionality of the website.

Questions

1. For further information about our Privacy Policy, please contact us here.

These terms and conditions outline the rules and regulations for the use of Virtu’s Website.Virtu is located at

Harju maakond, Tallinn
Lasnamäe linnaosa,
Sepapaja tn 6, 15551

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use virtu’s website if you do not accept all of the terms and conditions stated on this page.

Cookies

We employ the use of cookies. By using virtu‘s website you consent to the use of cookies in accordance with virtu’s privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

License

Unless otherwise stated, virtu and/or it’s licensors own the intellectual property rights for all material on virtu All intellectual property rights are reserved. You may view and/or print pages from http://eppeoktestlab.com/dev/vo_draft for your own personal use subject to restrictions set in these terms and conditions. 

You must not:

• Republish material from http://eppeoktestlab.com/dev/vo_draft
• Sell, rent or sub-license material from http://eppeoktestlab.com/dev/vo_draft
• Reproduce, duplicate or copy material from http://eppeoktestlab.com/dev/vo_draft
• Redistribute content from virtu (unless the content is specifically made for redistribution).

Use Comments

1. This Agreement shall begin on the date hereof.
2. Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. virtu does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of virtu, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws virtu shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
3. virtu reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.
4. You warrant and represent that:
   1. You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
   2. The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;
   3. The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy
   4. The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
5. You hereby grant to virtu
   
6. a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

1. The following organizations may link to our Website without prior written approval:
   • Government agencies;
   • Search engines;
   • News organizations;
   • Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
   • Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

2. These organisations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
3. We may consider and approve in our sole discretion other link requests from the following types of organizations:
   • commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
   • dot.com community sites;
   • associations or other groups representing charities, including charity giving sites,
   • online directory distributors;
   • internet portals;
   • accounting, law and consulting firms whose primary clients are businesses; and
   • educational institutions and trade associations.

We will approve link requests from these organisations if we determine that: (a) the link would not reflect unfavourably on us or our accredited businesses (for example, trade associations or other organisations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organisation does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of virtu; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organisation.

These organisations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail. Please include your name, your organisation name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

• By use of our corporate name; or
• By use of the uniform resource locator (Web address) being linked to; or
• By use of any other description of our Website or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of (name)’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

1. Limit or exclude our or your liability for death or personal injury resulting from negligence;
2. Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. Limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.