This privacy protection policy (hereinafter referred to as "this agreement") constitutes Yunzhong Wanwei (Beijing) Technology Co., Ltd. (hereinafter referred to as "the company" or "us") and users (hereinafter referred to as "you") regarding your access And/or a valid contract on how to obtain and use your personal information ("information") when using our website. By using the services provided by our website (www.transfersmile.com hereinafter collectively referred to as "this website" or "our website") through web pages, etc., you have reached a cost agreement with the company and agreed to accept all the contents of this agreement.

This agreement will explain to you through the following terms how we will collect, use, save, share or transfer your personal information when you use our products and services. We will also provide you with ways to access, correct, delete and protect this information. Therefore, before accepting this agreement, please read the entire contents of this agreement carefully. If you do not agree with any content of this agreement, or you cannot accurately understand our company's interpretation of the terms, please do not follow up.

1. How do we collect your information
We collect your information based on the following limited purposes and methods, and you agree that we collect, use, and store information through computers or other conversion or storage methods in specific countries.
(1) When you use the company's website or APP for remittances, collections, tax refunds or other related transaction services, to ensure your normal use, we may collect the following information you provide:
ID information: such as name, address, ID number, passport number, passport photo information, etc. other ID information that can prove identity
Business registration information: such as name, registration number, business license information, tax identification number, etc.
Bank account information: such as bank account number, account opening bank, branch, address information, etc.
Information in other documents, such as name, transaction activity records, email address, etc. in supporting documents of international remittance business
The collection of the above information includes both direct collection from you and collection through related parties of the company.
(2) When conducting personal real-name authentication and unit authentication in accordance with laws, regulations and regulatory requirements, we may collect information about you or your agent's portrait, ID, contact information, or bank card binding.
(3) In order to protect your property safety and improve payment services, we may collect information about your transactions with the company, related parties and other institutions from third-party institutions when necessary. We may collect information on different equipment, platforms and trading channels. Collection channels include computer systems and mobile devices, third-party sources such as the company's commercial customers, government departments, advertising agencies and networks, social media operators and networks, other information providers, customers and credit rating agencies.
(4) According to the relevant laws and regulations of anti-money laundering, and in order to facilitate future transactions, provide follow-up customized services and improve the quality of future services, we may also collect and save your computer and mobile device information, such as the domain name of your connected network And host information, computer IP address, mobile device geographic location, device number and other information (such as device performance, settings, operation, storage information and use), operator, browser and operating system software you use, have or afterwards browse The website, social information and network information, the date and time of logging in to the website, the email address and cookie information when you visit this site.
If you cannot provide the requested information, the company will not be able to provide you with the corresponding services, but you can still use other services on this website.

2. Providing Your Personal Data to Others
We utilize Hyperwallet payment services to deliver payments to you. Such payment services are subject to the Hyperwallet Terms of Service and the Hyperwallet Privacy Policy.

3. How we use information
We will use the above information for the following activities:
(1) Provide and submit our services and help us improve and develop the services; improve the operation and management of this website; (2) To ensure that you can obtain the latest service options or other product information and project updates provided by the company or related third-party organizations through telephone, email, SMS/MMS text messages, target or private text messages; if you You do not want to receive such pushes or prompts. You can cancel the push at any time by following the methods provided on this website.
(3) Conduct transaction verification, manage your customer relationships, provide required products and services, register agents, ensure the eligibility of any services or products you apply for, and ensure the accuracy of our records; comply with legal obligations, including But not limited to the anti-money laundering obligations required by applicable laws and regulations;
(4) Allows you to change the web page without re-entering the password when accessing the website;
(5) Use relevant information to count our advertising range and strength, and promote the effectiveness of promotion;
(6) Use relevant information to customize the messages and services that you have agreed to purchase or agreed to push for you; and
(7) Determine whether you act according to our promotional information.

4. How do we use cookies, beacons and other technologies
The company, our service providers and other relevant third parties have the right to use technologies such as cookies, pixels and website tags to collect the following information, such as browser type, address of the page you visit, network information, time spent on the website, Language preferences and your relationship with the company.
We use this information for many purposes, including but not limited to:
(1) Assist us to provide products and services to you; judge your account security
(2) Track activity information on our website and third-party websites;
(3) Send you information on your interests on third-party websites;
(4) Identify you when you visit the website, or store your preferences, personalize the content of the website for you, allow you to change the website page without re-entering your password when you visit, and allow you to obtain account information;
(5) To better understand the effectiveness of our promotional activities and perform promotional activities.

5. Information sharing and disclosure
According to relevant laws and regulations, in order to ensure the normal provision of services, with your explicit consent, we have the right to disclose to the following related parties of the company and unrelated third parties according to the purpose of use listed in Articles 1, 2, and 3 of this agreement Your information we collected:
(1) Group companies of the company, including but not limited to Yunzhong Wanwei (Beijing) Technology Co., Ltd. and other related companies.
(2) Companies that help us operate, or help us conduct market and business analysis, improve business operations, and help us submit products and services to you, banks, credit card companies, and credit reference agencies;
(3) To meet the legal, regulatory, security, and processing requirements applicable to us, our affiliates, or service providers, national and foreign government requirements, including but not limited to anti-money laundering laws;
(4) Organizations that help us process transactions, confirm customer information, and help us avoid debt, fraud, theft, or loss;
(5) The entity or unit that provides you with basic transaction services, such as the merchant from which you purchase or supply services or goods;
(6) A court, government agency or other authorized agency that has the right to obtain your relevant information in accordance with the relevant mandatory provisions; and
(7) Other circumstances permitted or required by law.
In addition, we will make statistics on the usage of our products and/or services, and may share these statistics with the public or third parties to show the overall usage trends of our products and/or services. However, these statistics do not contain any identification information about you.
When we want to use your personal information for other purposes not specified in this agreement, or when the information collected for a specific purpose is used for other purposes, we will ask for your consent in advance through the form of a check made by you .
Except for the above circumstances, we will not share your personal information with other organizations or individuals.

6. Information confidentiality and security measures
We endeavor to use physical, technical and procedural security measures to protect your information.
(1) We protect your information through various information encryption technologies.
Our information data is stored in the RDS database, which can only be accessed through the whitelisted devices we set up The file information is stored in OSS, we set OSS not to publicly access the public network, we must access the file through the secret key
Regularly change the data access password
(2) We also adopt an internal information and data monitoring system, which sets limits on access to private information. Only those in the relevant business department can access this type of information through application permissions, and the permissions of departing employees will be recovered.
(3) We have a special data backup disaster recovery mechanism
(4) If the relevant personal information collected in China is transmitted to other organizations, we will require the overseas organization to keep the personal information obtained confidential in accordance with laws and regulations.
(5) When we display your personal information, we will desensitize your information, including content replacement and anonymous processing, to protect your information security.
(6) We have also established a network monitoring mechanism, and all abnormal network conditions will be reported to the police; after the alarm, we will immediately conduct a PE investigation and technical confirmation to the business side
You should understand that despite our efforts, third parties may still illegally intercept or obtain communications sent to us, and may also illegally instruct you to disclose information in our name.
7. Information Management
Although you provided us with our consent to use, store and disclose your information, you still have the right to change or revoke your consent provided that the actual transaction between you and us is completed. If you express to us the refusal to continue to use, store or disclose your information, or revoke your consent to this agreement, unless the law requires us to continue to use the information, we will stop immediately after receiving your notice Use your information.
(1) Access or correct your information
You can ask us to provide details of your information we hold through the contact information listed in Article 10 of this agreement, and ask us to modify or remove any wrong or outdated information. We reserve the right to make verification requirements independently. To protect your privacy, we will also take reasonable steps to verify your identity before providing details or making corrections. Where permitted by law, according to your request, we reserve the right to charge you relevant service fees.
(2) Withdraw your consent
You can contact us through the contact information listed in Article 10 to request the deletion of any of your information, but when there is insufficient information to conduct a transaction, we will not be able to continue to provide you with services. (3) User logout
After your contractual relationship with the company is terminated, you can apply for cancellation of your account. However, the company will keep your account and transaction history within the time limit required by relevant laws and regulations. After the statutory time limit for saving information, your relevant information will be removed.
8. Protection of personal information of minors
The company protects the information security of minors in accordance with relevant national laws and regulations. All of our current services are not provided to minors under 18 years of age. If you are a minor under 18 years of age, please immediately terminate the use of this website. If you have provided us with your personal information, please contact us immediately through the methods listed in Article 10, and we will delete your personal information.
9. Disclaimer for using third-party websites
You may link to other third-party websites through our website, or link to this website through third-party websites. These third-party websites may have independent privacy protection policies. The privacy protection involved in using these third-party websites is not subject to and restricted by this agreement. We are not responsible for the content or privacy policies of these websites. Please check the privacy policies of these third-party websites.
10. Application and amendment of this agreement
This agreement applies to all services provided by the company. We may update this agreement in accordance with the needs of business development and changes in policies and regulations. When this agreement changes, we will publish an updated version of the privacy protection agreement on this website and make an announcement on this website at the same time. When you visit the website to get the latest agreement, please read the latest agreement in time. If you continue to use the related services provided by this website after the amendment of this agreement, it means that you have understood and accepted the latest revised agreement. You can revoke your consent at any time in accordance with the method described in Article 6(2) of this agreement.
11. Complaints, suggestions or reports
If you discover any information disclosure that violates this agreement during the use of this website, or you have any questions about any of the terms in this agreement, or you have any questions about your information privacy matters, please contact us.
We accept complaints, suggestions or reports made by ordinary letters and telephone calls, and we will respond within [7] working days. Please mail to:
Yunzhong Wanwei (Beijing) Technology Co., Ltd.
107, Building 3, Cultural Innovation Factory, No. 4 Chegongzhuang Street, Xicheng District, Beijing, China