How we collect information about you
When you visit the NCX website, use NCX Services, or use third-party services which use the NCX application programming interface (“API”), we collect information sent to us through your computer, mobile phone, or other access device. This information may include your IP address, device information including, but not limited to, identifier, device name and type, operating system, location, mobile network information, and standard web log information, such as your browser type, traffic to and from our site, and the pages you accessed on our website. You must be at least 18 years old, or of the applicable age of majority, in order to use NCX Services.
When you access our website or content or use our application or NCX Services, we or companies we work with may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to:
Recognize you as a NCX customer;
Customize NCX Services, content, and advertising;
Measure promotional effectiveness; and
Collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.
We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent cookies remain on your browser until you erase them or they expire.
We also use Local Shared Objects, commonly referred to as “Flash cookies,” to help ensure that your account security is not compromised, to spot irregularities in behavior to help prevent fraud, and to support our sites and services.
We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website. The help section of most browsers or browser add-ons provides instructions on blocking, deleting, or disabling cookies.
How we protect and store personal information
Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user. NCX takes reasonable precautions, as described herein, to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, and destruction.
We store and process your personal and transactional information, including certain payment information on our computers in Hong Kong and elsewhere in the world where NCX facilities or our service providers are located, and we protect it by maintaining physical, electronic, and procedural safeguards in compliance with applicable Hong Kong SAR laws.
How we use the personal information we collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
Provide NCX Services and customer support you request;
Process transactions and send notices about your transactions;
Resolve disputes, collect fees, and troubleshoot problems;
Prevent and investigate potentially prohibited or illegal activities, and/or violations of our posted user terms;
Customize, measure, and improve NCX Services and the content and layout of our website and applications;
Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; and
Compare information for accuracy and verify it with third parties.
We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or from allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or NCX Services may not be available to you.
We will not sell or rent your personal information to third parties. We may combine your information with information we collect from other companies and use it to improve and personalize NCX Services, content, and advertising.
How we share personal information with other parties
We may share your personal information with:
Service providers under contract who help with parts of our business operations such as fraud prevention, bill collection, marketing, and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit;
Third party identity verification services in order to prevent fraud. This allows NCX to confirm your identity by comparing the information you provide us to public records and other third-party databases. These service providers may create derivative data based on your personal information that can be used by the service providers solely in connection with provision of identity verification and fraud prevention services;
Financial institutions with which we partner;
Companies or other entities that purchase NCX assets pursuant to a court-approved sale under U.S. Bankruptcy law;
Law enforcement, government officials, or other third parties when:
We are compelled to do so by a subpoena, court order, or similar legal procedure; or
We believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement; and
Other third parties with your consent or direction to do so.
NCX will not sell or rent any of your personal information to third parties and only shares your personal information with third parties as described in this policy. Before NCX shares your information with any third party that is not acting as an agent to perform tasks on behalf of and under the instructions of NCX, NCX will enter into a written agreement requiring that the third party to provide at least the same level of privacy protection as required hereunder.
In general, we will notify you of material changes to this policy by updating the last updated date at the top of this page, and we will provide you with explicit notice of material changes as required by law. We recommend that you visit this page frequently to check for changes.
How you can contact us about privacy questions
If you have questions or concerns regarding this policy, or if you have a complaint, you should first contact us at firstname.lastname@example.org.