Privacy policy for websites and apps

This version takes effect from 20 March 2020..

The international privacy principles of Cash Xpress

Cash Xpress has long recognized the importance of maintaining the confidentiality of sensitive information of the users of its sites. Cash Xpress complies with Swiss, European and American data protection laws insofar as they are applicable. This privacy statement provides the information necessary to understand how we collect, use and manage the personal data of the natural persons concerned. You are reading the English version of our privacy policy: in case of doubt, this version is the authoritative version, while the versions in other languages are translations of the English version.

Responsible for processing

Your data is processed by Cash Xpress Financial Services Sàrl ("we", "us", "Cash Xpress"), which is the Data Controller. However, we use sub-contractors to delegate some of the processing, and this document describes the measures taken to guarantee the security of your personal data also in these cases. This Privacy Policy applies to the personal data of any natural person using our services ("you"):

  • users of our websites and apps whether they have a personal account or not ;
  • as well as the people who subscribe to our communications and newsletters. .
In addition, this confidentiality clause describes
  • the types of personal data we collect and process ,
  • how we handle and protect this information ,
  • how long we keep them ,
  • with whom we share them ,
  • and what are your rights in relation to your personal data, and how you can exercise them .

What data do we collect ?

It depends on the nature of our relationship. Most of the time, we record your contact information, such as name, postal address, email address, telephone numbers and your geolocation. As a user of our sites or Apps, we record information about your usage (IP address, date and time, service requested, geolocation, etc.), and we also record cookies. If you have a personal account, we record the information necessary for this purpose, such as login and password. For more information, we urge you to consult the Terms of Use and our Cookie Policy for each relevant site or App. If you ask us to provide you with services such as a partnership agreement to become a franchisee, we also record the necessary information, usually contained in a CV. If, in addition, we hire you as a franchisee we record administrative or financial information, such as

  • Your criminal record ;
  • Identity card
  • Trade register
  • Your CV
  • Diploma or certificate of employment
  • Certificate of non-suit of the company
  • Certificate of discontinuance

How we use this information ?

How we use this information :

  • We carry out all our treatments on legal bases, corresponding to (at least) one of the following categories
  • compliance with a legal, regulatory or contractual requirement (such as to guarantee the processing of your compensations)
  • our legitimate interests, described in the following section
We use your personal data in order to:
  • create and manage your accounts on our sites and Apps
  • manage our contracts with you
  • manage our client-company relations
  • in accordance with the terms and conditions of use of our websites, for example sending you promotional material, newsletters, or exchange rate alerts or new partners and/or services .
  • carry out direct marketing actions, such as promotions, offers, surveys, contests, newsletters, market research, or special events
  • respond to your requests and complaints
  • operate, evaluate and improve our activities (including the analysis, optimisation and development of our services; the management of our communications; the analysis of data; and the performance of internal functions such as accounting, etc.).
  • to protect us against fraud and other illegal activities, by seeking to identify and prevent them, and in the event of lawsuits or other claims ;
  • Comply with applicable legal requirements, industry standards, contractual obligations and internal policies. .
We may also use your information for other purposes, as long as we specifically inform you at the latest at the time the information is recorded, or with your consent.

What are our legitimate interests ?

As Data Controller, Cash Xpress may process personal information for legitimate business purposes, including :

  • the analysis, optimisation, development or, in general, modification of our services ;
  • the identification and prevention of fraud ;
  • improving the security of our network and information systems ;
  • a better understanding of how our visitors interact with our websites ;
  • direct marketing purposes, as well as measuring the efficiency of promotional and advertising campaigns
  • the sending of postal communications that we consider to be of interest to you .
Whenever we process data for these purposes, we take great care to ensure that your rights are taken into account and respected. You have the right to object to such processing, and to find out how to exercise this right, please refer to the How to exercise your rights section below.

How long do we keep your personal data ?

We keep personal data in our systems for as long as it is necessary for our processing and to fulfil our legal obligations. We determine this period of time by considering :

  • the need to have the data in order to offer you the agreed services
  • our legitimate interests, as described in this document
  • compliance with our legal obligations

What information do we share ?

We do not disclose the personal data we collect about you except as described in this Privacy Policy or in specific clauses provided in connection with specific activities. We may share your personal data with our partners, who perform services on our behalf and based on our instructions. In addition, we may disclose personal data about you (i) if we are required to do so by law or legal process; (ii) to law enforcement authorities or on the basis of a legal request for disclosure; and (iii) when we believe that disclosure is appropriate to prevent personal injury, damage or financial loss, or in connection with the investigation of suspected illegal or fraudulent activities.

We transfer your data abroad ?

We may transfer your personal data outside Switzerland to countries of the European Union. (subject to the EU General Data Protection Regulation) or to other countries. When we transfer your personal data to countries without a level of data protection equivalent to that of the EU or Switzerland, we ensure that we obtain the necessary guarantees for the adequate protection of your personal data. In particular, we apply the guidelines of the Federal Data Protection and Transparency Commissioner.

What are your rights ?

The legal framework gives you several rights in relation to your personal data. You can exercise several of these rights autonomously through your Cash Xpress account. Among your main rights are

  • Right of access and right of rectification: you have the right to access your personal data in order to verify that they are processed in accordance with the law. You also have the right to have your personal data corrected or completed in order to ensure the accuracy of the processing. .
  • Right of deletion ("right of oblivion"), and right to limit processing: You have the right to ask us to delete your personal data, or to stop processing them if we are unable to delete them. .
  • Right to object: you have the right to object at any time to our processing of your personal data, on the grounds set out in the law, without having to justify your decision. .
  • Right to object to decisions taken by automated means: also concerns profiling, and typically regulates the use of cookies. .
To exercise your rights regarding the processing of your personal data, please refer to the section How to exercise your rights below.

We transfer your data abroad ?

We may transfer your personal data outside Switzerland to countries of the European Union. (subject to the EU General Data Protection Regulation) or to other countries. When we transfer your personal data to countries without a level of data protection equivalent to that of the EU or Switzerland, we ensure that we obtain the necessary guarantees for the adequate protection of your personal data. In particular, we apply the guidelines of the Federal Data Protection and Transparency Commissioner.

Updates to our privacy policy

This Privacy Policy (and its attachments) may be adapted at any time to reflect changes in our privacy practices or in the legal framework. In the event of a material change, we will endeavour to notify you, including by posting a notice on our website. In any case, we recommend that you check the version of this clause, the version published on our website is the authoritative one.

How to exercise your rights .

To exercise your rights, or to request the deletion of your data :

  • when you connect to your Cash Xpress account, you can decide whether you want to be contacted, manage your alerts, or request deletion of the account. .
  • If you do not have an account, we strongly encourage you to create one, so that you can manage your privacy options. .
  • if however you do not want to create a Cash Xpress account, you can send an email to operations@cashxpress.ch.
Please bear in mind that if you exercise your right to object, it may affect our ability to perform and provide you with services for your benefit.

How to contact us ?

If you have any questions or comments about this privacy statement or our treatment of your personal data, please contact us at data, you can write to :

  • Address: Cash Xpress Financial Services Sarl Rue de Chantepoulet 12 1201 Genève – Suisse
  • Email: contact@cash-xpress.ch

THROUGH SECURE DATA TRANSFER

BY SECURE PAYMENT