1. What This Policy Covers
Please only use the Services or the Membership Service after you have carefully read and understood this Policy. In using the Services, you represent that you understand the contents of this Policy, and that you consent to our collection, use, transfer and retention of information about you as described herein.
If you have any questions or inquiries regarding this Policy, please contact us using the information provided in Section 9 (“Contact Us ”).
2. The Information We Collect
For the purposes stated in Section 3 (“Use and Retention of Your Information”), we collect information about you as described in this Section 2. This includes information that you give us directly, information about your use of the Services, and information received from third parties. All the personal information that we collect and use in accordance with this Policy is centrally managed and stored by Prospect Capital Limited.
2-1 Your log-in information:
Your user ID and password
Your name and email address
2-2 Information related to your use of the Membership Service and the Services:
Information you give us in connection with your Account, such as your gender, age, date of birth, telephone numbers, and address
Information relating to your use of reward points, coupons, cashbacks and other incentive programs provided to you as part of the Membership Service
Information relating to your use of the Services (including activities such as page viewing and comment posting), or to the transactions you make using the Services, such as purchases or subscriptions (including the payment methods you use)
2-3 Payment information and information used for personal identification:
Information relating to payment settlements, such as credit card information, bank account information, and e-money related account information
Documents that we are required by law to collect in order to authenticate your identity (such as your driver’s licence, health insurance certificate or certificate of residence), and the information included therein.
2-4 Device information and information obtained using Cookie Technologies:
When you use the Membership Service or the Services, interact with any content or advertising related to such services, or validate any cookies, web beacons, unique identifiers and other related technologies (collectively, the “Cookie Technologies”) that we employ, we automatically collect certain information about you and the device you are using.
Such information may include:
1. Device ID or other information that allows us to identify the device you are using;
2. Operating system and internet connection related information;
3. Geo-location information;
4. Referring URL;
5. IP Address;
6. URLs viewed and time stamp of time viewed
7. Server log information other than the above
8. Information related to products and services displayed and searched
2-5 Information we collect from other sources
During your use of the Services, we may request, collect and store information about you from publicly available sources and third parties, such as your credit information and information necessary for fraud prevention and detection, as may be necessary from time to time and as permitted under applicable law. In addition, based on your separate consent, we may receive other personal information about you from third party sources.
Unless necessary for the purpose of providing you with the service in question or for another legally permissible reason, during your use of the Services, we do not intentionally collect or use information of yours that may be considered sensitive, such as information relating to your race, religion, social status, medical or criminal history, or whether you were a victim of a crime (together, “Sensitive Information”). In the event that you voluntarily give your Sensitive Information to us, we will treat such information as information related to your use of the Services (2-2) that has been provided to us with your express consent, and process it in accordance with this Policy.
3. Use and Retention of Your Information
We use the personal information that we collect to provide you with the single log-in function as part of Prospect Capital ID, the Services and the Membership Service, and advertising and marketing content in accordance with your interests and preferences; to conduct research and development, to respond to customer inquiries, and to prevent and mitigate fraudulent or illegal activities.
Specifically, we may use the information we collect about you for the purposes listed below:
3-1 To provide you with single log-in function as part of the Prospect Capital ID program:
To enable you to log into your Account across applicable services provided by the Prospect Capital Limited companies.
3-2 To provide you with the Membership Service and the Services:
To enable your use of the Membership Service and the Services
For the provision of personalized services, content, and information related to the Membership Service and the Services.
For the provision of incentive programs relating to the Membership Service, such as reward points, coupons and cashback rewards.
3-3 To provide you with advertisements, promotion and marketing content:
To display or send to you advertising content, such as direct mail or email newsletters, with your consent, or via methods otherwise permitted under applicable law.
For the display, introduction, or advertisement of products and services offered by us, other Prospect Capital Limited companies and our third party partners on our websites or on other advertising media that we manage or operate.
3-4 To undertake service improvement, research and development:
To improve existing services and conduct R&D for the development of new services
3-5 To respond appropriately to customer inquiries:
So that we may respond appropriately to customer inquiries, complaints, or requests in relation to our services and advertisements
3-6 To prevent and mitigate fraudulent or illegal activities:
For the prevention, identification and investigation of scams, cyber-attacks, and other potentially illegal or fraudulent activities, or in relation to any other activities necessary to protect the legal rights of the Prospect Capital Limited and/or the rights of third parties
We may retain information about you for as long as it is necessary to fulfill the purposes described above. In order to comply with our obligations under applicable law, collect fees owed, resolve disputes, enforce our legal rights, and to undertake any investigations necessitated by the foregoing, some of your information may be retained in our systems even after your account becomes closed.
4. Disclosure of Information about You
4-1 Disclosure within the Prospect Capital Limited
In order for the Prospect Capital Limited to develop and provide you with ever more unique and attractive services, Prospect Capital Limited centrally manages and stores the personal information that we collect in accordance with this Policy. Whilst Prospect Capital is responsible for centrally managing and storing your personal information, we, the Prospect Capital Limited who have adopted this Policy, will have access to your personal information and will use it in accordance with the provisions of this Policy.
5. Your Choices
As a principle, you will have a choice whether to provide information to us. However, where you have a choice and decide not to provide us with certain information, you may not be able to make use or take advantage of all of the features of the Services. You may also be unable to receive certain information that may otherwise benefit you, such as notifications of campaigns or promotions.
You can change your preferences for receiving promotional email and your preferred contact methods at any time by following the relevant instructions on our websites.
6. Updating Your Information
We want to do all we can to keep your personal information accurately recorded in our system. To this end, we endeavor to provide you with easy access to your information. You are able to view, modify and remove most of the information that you have given to us through your Account management page. Please remember to update information about yourself that has become inaccurate or outdated.
If you would like to access your information in written form, or through a means other than your Account management page, please contact us via the method described in Section 9 (“Contact Us”). Fees may apply. In some cases, depending on the nature of the information and how it is stored, it may not be possible for us to fulfill your request.
7. Information Security
We are committed to handing your personal information in accordance with high security standards and in compliance with applicable law. We do so in order to prevent unauthorized access or unauthorized disclosure of your information, to maintain the accuracy of such information and, when necessary, to ensure its proper destruction. When collecting or transferring your personal information, we employ data encryption technology, and restrict access only to those persons who require it to fulfil their job responsibilities. We conduct periodic reviews of our practices to ensure that our safeguards are properly implemented and remain state of the art.
In order to maintain the security of your Account it is essential that you take adequate measures to protect your password. You should not use the same password that you use for other services, and you should never share your password with anyone. Please treat any email or other communication requesting your password as unauthorized and suspicious and forward the communication to us, using the contact method provided in Section 9 (“Contact Us”).
If you do share your Prospect Capital password with a third party for any reason, including when the third party has promised to provide you additional services such as account aggregation, the third party will have access to your Account and your personal information. In such cases, to the extent that the liability is not attributable to us, we are not liable for any losses or damages that you may incur as a result of activities that take place on your Account. If you believe someone else has obtained unauthorized access to your password, please change it and contact us immediately.
From time to time, in order to comply with changes in applicable laws or for legitimate business purposes, we may make changes to this Policy. Any changes we make will be displayed on this page. Please check back from time to time to ensure that you have read the most recent version of this Policy.
9. Contact Us
If you have any questions or concerns regarding the contents of this Policy or other aspects of how your personal information is handled, please fill in an inquiry form in Contact Us page. Please note that when contacting us, we may ask you for certain information so that we can verify your identity and respond to your request appropriately.