CRUNCH APP FZE DATA PRIVACY POLICY

Welcome to the Crunch App FZE (“Crunch, we, our, or us”) website and application.
It is important that you read this Data Privacy Policy (“Privacy Policy”) together with our Terms and Conditions (“Terms and Conditions”), which can be found on the Crunch App (defined below).

Crunch respects your privacy and is committed to protecting your personal data. This Privacy Policy will inform you as to how we look after your personal data when you visit our website, access, and/or use our Services (as defined in the Terms and Conditions) regardless of where you visit it from, and tell you about your privacy rights and how the law protects you.

Definitions

“Crunch”, “we”, “or” and “us” means CRUNCH APP FZE.

“Crunch App” means the mobile application developed by Crunch for Users in connection with the Services.

“Service” means the Website and the Crunch App offering a personal finance information management service that allows Users to consolidate and track their financial information in order to aid and assist in improving Users’ overall financial health.

“User”, “you”, and “your” refers to the individual person that has visited or is using the Website, Crunch App or Services. “Website” means our website which may be established and all Content, services, and products provided by Crunch at or

through the Website. Further, the term, “Website” also refers to all Crunch-owned subdomains.

Who we are

The Website and Crunch App are operated by Crunch App FZE, a private company registered in Dubai, United Arab Emirates with license number L-1091 and whose registered office is at SRT-FLR23-23.01-HD-102, Sheikh Rashid Tower, Dubai World Trade Center.

The information we collect about you

Information automatically collected

Each time you visit access or use the Services, we may automatically collect information about you and the device you are using, including but not limited to:

(a)  information about which pages you visit and which resources you use on through the Services;

(b)  your device’s operating system and platform;

(c)  the type and version of the browser you are using; and

(d)  time zone setting.

Information you give us

We also collect any information you provide to us directly by filling in any of the forms on the Website or the Crunch App. If you sign up with us to use the Services and/or make a transaction, we may also collect:

(a)  your name;

(b)  your email address;

(c)  your telephone number;

(d)  username and password;

Please note that as a User, you are responsible for keeping your login information including your password confidential. If you believe that your login information or password has been compromised or that someone else has accessed your account, please notify us immediately by contacting us at hello@getcrunch.app.

Where do we get your information from?

We collect the information you provide to us directly by filling in any of the forms on the Website or Crunch App. We also collect information directly from your device. We use cookies to collect some of this information.
Why do we need your information?

1

We need the information we collect automatically about your visit to the Website or Crunch App to:

(a)  administer the Services;

(b)  improve the Services to ensure that content is presented in the most effective manner;

(c)  allow you to participate in interactive features of the Services when you choose to do so;

(d)  analyse how visitors use the Services (including behaviour patterns and the tracking of visits across multiple devices);

(e)  improve your online experience.

We need the information you provide directly, including by filling in any of the forms to:

(a)  direct you to products and/or services, including third party products and/or services, which may be of interest to you;

(b)  contact you with information and offers, including third party offers, suggestions and recommendations of products and/or services which may be of interest to you;

(c)  provide Services to you;

(d)  comply with our regulatory or legislative requirements.

You do not have to give us any information or confirm that the information we have obtained from other sources is correct. Who do we share your information with?
We sometimes share some of your information with other organisations, including our affiliates and partners.

In some cases, we may choose to buy or sell business assets. In these types of transactions, user information is typically one of the transferred business assets. If we, or substantially all of our assets, were acquired, or if we go out of business or enter bankruptcy or insolvency, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur and that any acquirer of us or our assets may continue to use your personal information as set out in this Privacy Policy.

We use analytics tools (including but not limited to Google analytics) to collect details of how you use the Services, as well as anonymous data that you enter into our forms. We do this to help us analyse how visitors use the Services (including behaviour patterns and the tracking of visits across multiple devices). All the information that is collected is anonymous and is only used to improve the Services.

The profiling and automated decision-making we carry out in respect of the information we hold about you and your account is used to enable us to ensure relevant information, suggestions and recommendations for products/services are sent to you by us.

We also may use a number of third parties to supply us with products and services. In such event, we will only share your information with our suppliers where it is necessary for them to provide us or you with the services that are needed.

Where is your information stored?

Your information is stored on servers and filing systems in the United Arab Emirates.

The Website and the Crunch App may, from time to time, contain links to and from the websites of third parties (e.g. payment processing sites, or offers). If you follow a link to any of these websites, please note that these websites have their own terms and conditions, privacy notices and cookie notices and we do not accept any responsibility or liability for those notices or your use of those websites.

Unfortunately sending information via the internet is not totally secure. Although we do our best to protect your information, we cannot guarantee the security of any information you transmit to the Website or Crunch App; any transmission is at your own risk. Once we have received your information, we will use commercially reasonable procedures and security features to prevent unauthorised access.

How do we protect your personal information?

We are concerned with keeping your data secure and protecting it from unauthorised disclosure. We implement a variety of security measures to ensure the security of your personal data on our systems.

How long do we keep your information for?

We only keep your information for as long as we need it.

If you have an online account with us or provide information directly to us by filling in the forms on through the Services we will keep your information for no more than the number of years required by law from the date you cease to have any active accounts with us. We keep your information for this long so that we can:

2

(a)  ensure we contact you with information on products, services, suggestions, offers and recommendations relevant and appropriate to you;

(b)  deal with any issues or concerns that you may have about how we handled your account;

(c)  bring or defend any legal claims;

(d)  comply with regulatory audit requirements.

What rights do you have?

Under the data protection rules, you have a number of rights in respect of your information, which include the right to:

(a)  access your information;

(b)  withdraw your consent to the processing of your information at any time;

(c)  ask us to make changes to the information we hold about you to make sure that it is accurate and up to date;

(d)  delete or erase your information (sometimes called the right to be forgotten);

(e)  stop or restrict our processing of your information;

(f)  object to our processing your information;

(g)  not be subject to automated decision-making; and

(h)  request the transfer of some of the information we hold about you (known as data portability).

If you would like to exercise any of your rights, please contact us at hello@getcrunch.app. Please note that an archive copy of any information provided to us may be retained by us for our records and for audit purposes.

You have the right to request a copy of the information we hold about you by sending your request in writing to us at hello@getcrunch.app.

You can unsubscribe from our emails at any time by clicking on “unsubscribe” at the bottom of the email or writing to us at hello@getcrunch.app.

You can typically remove or reject cookies from the Website with your browser settings. Many browsers are set to accept cookies until you change your settings. If you remove or reject our cookies, it may affect how the Website works for you.

Making a complaint

If you have any questions, concerns or complaints about the way we process your personal information, please contact hello@getcrunch.app.

If you are not happy with the way we have handled your complaint or are still concerned about our handling of your personal information, you can lodge a complaint with the relevant privacy supervisory authority.

Changes to this Privacy Policy

We may change this Privacy Policy from time to time. If we make any substantive changes related to how we collect or use personal data, we will change the content last updated date below. Other changes including grammar or spelling corrections will automatically update the timestamp at the bottom of this document.

This Privacy Policy was last reviewed and updated on 27 January 2022.