SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.
Do we process any sensitive personal information? We do not process sensitive personal information.
Do we receive any information from third parties? We do not receive any information from third parties.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information.
How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.
What are your rights? Depending on where you are located geographically, theapplicable privacy law may mean you have certain rights regarding your personalinformation. Learn more about your privacy rights.
How do you exercise your rights? The easiest way to exercise your rights is bysubmitting a data subject access request, or by contacting us. We will consider andact upon any request in accordance with applicable data protection laws.
Want to learn more about what we do with any information we collect? Review theprivacy notice in full.

1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you expressan interest in obtaining information about us or our products and Services, when youparticipate in activities on the Services, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collectdepends on the context of your interactions with us and the Services, the choices youmake, and the products and features you use. The personal information we collectmay include the following:

• names
• phone numbers
• email addresses

Sensitive Information. We do not process sensitive information.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESSYOUR INFORMATION?
In Short: We only process your personal information when we believe it is necessaryand we have a valid legal reason (i.e., legal basis) to do so under applicable law, likewith your consent, to comply with laws, to provide you with services to enter into orfulfill our contractual obligations, to protect your rights, or to fulfill our legitimatebusiness interests.

If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explainthe valid legal bases we rely on in order to process your personal information. Assuch, we may rely on the following legal bases to process your personal information:
Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You canwithdraw your consent at any time. Learn more about withdrawing yourconsent.

Legal Obligations. We may process your information where we believe it isnecessary for compliance with our legal obligations, such as to cooperate witha law enforcement body or regulatory agency, exercise or defend our legalrights, or disclose your information as evidence in litigation in which we areinvolved.

Vital Interests. We may process your information where we believe it isnecessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

If you are located in Canada, this section applies to you.

We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or insituations where your permission can be inferred (i.e., implied consent). Youcan withdraw your consent at any time.
In some exceptional cases, we may be legally permitted under applicable law toprocess your information without your consent, including, for example:

• If collection is clearly in the interests of an individual and consent cannot beobtained in a timely way
• For investigations and fraud detection and prevention
• For business transactions provided certain conditions are met
• If it is contained in a witness statement and the collection is necessary toassess, process, or settle an insurance claim
• For identifying injured, ill, or deceased persons and communicating with nextof kin
• If we have reasonable grounds to believe an individual has been, is, or may bevictim of financial abuse
• If it is reasonable to expect collection and use with consent would compromisethe availability or the accuracy of the information and the collection isreasonable for purposes related to investigating a breach of an agreement or acontravention of the laws of Canada or a province
• If disclosure is required to comply with a subpoena, warrant, court order, orrules of the court relating to the production of records
• If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which theinformation was produced
• If the collection is solely for journalistic, artistic, or literary purposes
• If the information is publicly available and is specified by the regulations

4. WHEN AND WITH WHOM DO WE SHARE YOURPERSONAL INFORMATION?
In Short: We may share information in specific situations described in this sectionand/or with the following third parties.
We may need to share your personal information in the following situations:
Business Transfers. We may share or transfer your information in connectionwith, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

When we use Google Analytics. We may share your information with GoogleAnalytics to track and analyze the use of the Services. To opt out of beingtracked by Google Analytics across the Services, visithttps://tools.google.com/dlpage/gaoptout. For more information on the privacypractices of Google, please visit the Google Privacy & Terms page.

5. DO WE USE COOKIES AND OTHER TRACKINGTECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and storeyour information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use suchtechnologies and how you can refuse certain cookies is set out in our Cookie Notice.

6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposesoutlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for thepurposes set out in this privacy notice, unless a longer retention period is required orpermitted by law (such as tax, accounting, or other legal requirements).
When we have no ongoing legitimate business need to process your personalinformation, we will either delete or anonymize such information, or, if this is notpossible (for example, because your personal information has been stored in backuparchives), then we will securely store your personal information and isolate it fromany further processing until deletion is possible.

7. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system oforganizational and technical security measures.
We have implemented appropriate and reasonable technical and organizationalsecurity measures designed to protect the security of any personal information weprocess. However, despite our safeguards and efforts to secure your information, noelectronic transmission over the Internet or information storage technology can beguaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat oursecurity and improperly collect, access, steal, or modify your information. Althoughwe will do our best to protect your personal information, transmission of personalinformation to and from our Services is at your own risk. You should only access theServices within a secure environment.

8. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 yearsof age.
We do not knowingly solicit data from or market to children under 18 years of age. Byusing the Services, you represent that you are at least 18 or that you are the parentor guardian of such a minor and consent to such minor dependent’s use of theServices. If we learn that personal information from users less than 18 years of agehas been collected, we will deactivate the account and take reasonable measures topromptly delete such data from our records. If you become aware of any data wemay have collected from children under age 18, please contact us at refa.nyc@gmail.com.

9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: In some regions, such as the European Economic Area (EEA), UnitedKingdom (UK), Switzerland, and Canada, you have rights that allow you greateraccess to and control over your personal information. You may review, change, orterminate your account at any time.
In some regions (like the EEA, UK, Switzerland, and Canada), you have certainrights under applicable data protection laws. These may include the right (i) torequest access and obtain a copy of your personal information, (ii) to requestrectification or erasure; (iii) to restrict the processing of your personal information; (iv)if applicable, to data portability; and (v) not to be subject to automated decision-making. In certain circumstances, you may also have the right to object to theprocessing of your personal information. You can make such a request by contactingus by using the contact details provided in the section "HOW CAN YOU CONTACTUS ABOUT THIS NOTICE?" below.
We will consider and act upon any request in accordance with applicable dataprotection laws.
If you are located in the EEA or UK and you believe we are unlawfully processingyour personal information, you also have the right to complain to your Member Statedata protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection andInformation Commissioner.
Withdrawing your consent: If we are relying on your consent to process yourpersonal information, which may be express and/or implied consent depending onthe applicable law, you have the right to withdraw your consent at any time. You canwithdraw your consent at any time by contacting us by using the contact detailsprovided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"below.

However, please note that this will not affect the lawfulness of the processing beforeits withdrawal nor, when applicable law allows, will it affect the processing of yourpersonal information conducted in reliance on lawful processing grounds other thanconsent.
Opting out of marketing and promotional communications: You can unsubscribefrom our marketing and promotional communications at any time by clicking on theunsubscribe link in the emails that we send, replying "STOP" or "UNSUBSCRIBE" tothe SMS messages that we send, or by contacting us using the details provided inthe section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You willthen be removed from the marketing lists. However, we may still communicate withyou — for example, to send you service-related messages that are necessary for theadministration and use of your account, to respond to service requests, or for othernon-marketing purposes.
Cookies and similar technologies: Most Web browsers are set to accept cookiesby default. If you prefer, you can usually choose to set your browser to removecookies and to reject cookies. If you choose to remove cookies or reject cookies, thiscould affect certain features or services of our Services.

9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: In some regions, such as the European Economic Area (EEA), UnitedKingdom (UK), Switzerland, and Canada, you have rights that allow you greateraccess to and control over your personal information. You may review, change, orterminate your account at any time.
In some regions (like the EEA, UK, Switzerland, and Canada), you have certainrights under applicable data protection laws. These may include the right (i) torequest access and obtain a copy of your personal information, (ii) to requestrectification or erasure; (iii) to restrict the processing of your personal information; (iv)if applicable, to data portability; and (v) not to be subject to automated decision-making. In certain circumstances, you may also have the right to object to theprocessing of your personal information. You can make such a request by contactingus by using the contact details provided in the section "HOW CAN YOU CONTACTUS ABOUT THIS NOTICE?" below.
We will consider and act upon any request in accordance with applicable dataprotection laws.
If you are located in the EEA or UK and you believe we are unlawfully processingyour personal information, you also have the right to complain to your Member Statedata protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection andInformation Commissioner.
Withdrawing your consent: If we are relying on your consent to process yourpersonal information, which may be express and/or implied consent depending onthe applicable law, you have the right to withdraw your consent at any time. You canwithdraw your consent at any time by contacting us by using the contact detailsprovided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"below.

However, please note that this will not affect the lawfulness of the processing beforeits withdrawal nor, when applicable law allows, will it affect the processing of yourpersonal information conducted in reliance on lawful processing grounds other thanconsent.
Opting out of marketing and promotional communications: You can unsubscribefrom our marketing and promotional communications at any time by clicking on theunsubscribe link in the emails that we send, replying "STOP" or "UNSUBSCRIBE" tothe SMS messages that we send, or by contacting us using the details provided inthe section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You willthen be removed from the marketing lists. However, we may still communicate withyou — for example, to send you service-related messages that are necessary for theadministration and use of your account, to respond to service requests, or for othernon-marketing purposes.
Cookies and similar technologies: Most Web browsers are set to accept cookiesby default. If you prefer, you can usually choose to set your browser to removecookies and to reject cookies. If you choose to remove cookies or reject cookies, thiscould affect certain features or services of our Services.

10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applicationsinclude a Do-Not-Track ("DNT") feature or setting you can activate to signal yourprivacy preference not to have data about your online browsing activities monitoredand collected. At this stage no uniform technology standard for recognizing andimplementing DNT signals has been finalized. As such, we do not currently respondto DNT browser signals or any other mechanism that automatically communicatesyour choice not to be tracked online. If a standard for online tracking is adopted thatwe must follow in the future, we will inform you about that practice in a revisedversion of this privacy notice.

11. DO UNITED STATES RESIDENTS HAVE SPECIFICPRIVACY RIGHTS?
In Short: If you are a resident of, you are granted specific rights regarding access toyour personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:

We may also collect other personal information outside of these categories throughinstances where you interact with us in person, online, or by phone or mail in thecontext of:
Receiving help through our customer support channels;

Participation in customer surveys or contests; and

Facilitation in the delivery of our Services and to respond to your inquiries.

How do we use and share your personal information?
Learn about how we use your personal information in the section, "HOW DO WEPROCESS YOUR INFORMATION?"
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to awritten contract between us and each service provider. Learn more about how we disclose personal information to in the section, "WHEN AND WITH WHOM DO WESHARE YOUR PERSONAL INFORMATION?"

We may use your personal information for our own business purposes, such as forundertaking internal research for technological development and demonstration. Thisis not considered to be "selling" of your personal information.
We have not disclosed, sold, or shared any personal information to third parties for abusiness or commercial purpose in the preceding twelve (12) months. We will not sellor share personal information in the future belonging to website visitors, users, andother consumers.

12. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevantlaws.
We may update this privacy notice from time to time. The updated version will beindicated by an updated "Revised" date and the updated version will be effective assoon as it is accessible. If we make material changes to this privacy notice, we maynotify you either by prominently posting a notice of such changes or by directlysending you a notification. We encourage you to review this privacy notice frequentlyto be informed of how we are protecting your information.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may contact us by post at: refa.nyc@gmail.com

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THEDATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to requestaccess to the personal information we collect from you, change that information, ordelete it. To request to review, update, or delete your personal information, please fillout and submit a data subject access request.