Thanks for visiting Business Observer24 Privacy Policy. We’re publishing our Policy as of January 5, 2022.

This Policy gives you more control over your information and more clearly explains how we use it. It will explain our core commitments regarding your privacy, including the commitment to never sell your data.

You can also take a look at our Terms of Use and Cookie Policy . As always, thanks for using Business Observer24, and please let us know  if you have any questions or feedback.

Changes to This Policy

We may update this Policy from time to time. If we do, we’ll let you know about any material changes, either by notifying you on the Site or by sending you an email. New versions of this Policy will never apply retroactively — we’ll tell you the exact date they go into effect. If you keep using Business Observer24 after a change, that means you accept this Policy.

Who We Are

Business Observer24, Inc. (“Business Observer24,” “we,” or “us”) provides services that help publishers communicate with the market. Our main service is a marketing communication digital platform. We are a for Profit Corporation based in Tallin, Estonia.

How This Policy Applies

This Policy describes the information we collect from you, how we use that information and our legal basis for doing so. It also covers whether and how that information may be shared and your rights and choices regarding the information you provide to us. If you see a capitalized word, it’s defined in our Terms of Use. We use cookies and similar technologies, as described in our Cookie Policy.

By using the Services offered by Business Observer24, you’re acknowledging you have agreed to our Terms of Use and that you have read and understood this Privacy Policy and our Cookie Policy.

What We Collect and Receive

In order for you to create an account on Business Observer24 and use our Services, we need to collect and process certain information. Depending on your use of the Services, that may include:

• Information you provide by completing forms on Business Observer24 — your name, email and postal addresses, telephone number, country of residence, login, and password details. We may ask for this information if you register as a user of the Services, subscribe to our newsletters, upload or submit content through Business Observer24, or if you contact us;
• Information you provide for identity verification purposes when publishing a project, including your legal name, business name and Tax ID for business entities, and date of birth. In some cases, our payment processor will request that you provide a secure upload of an identity document (such as your passport, drivers license or other government-issued ID) to Business Observer24;
• Details of any requests or transactions you make through the Services. Business Observer24 partners with other companies (such as Stripe) for payment processing and the payment information you submit is collected and used by them in accordance with their privacy policies (for Stripe’s, click here)(for PayPal’s, click here). Business Observer24 doesn’t store your payment information apart from the last four digits of your credit card or bank account (as applicable), expiration date, and country, which we require for tax, government regulatory, and security purposes;
• Information about your activity on and interaction with Business Observer24, including use of our mobile apps (such as your IP address, the type of device or browser you use, and your actions on the Site);
• Information about the ways people visit and interact with our Site, in the form of traffic analytics. You can opt-out of being included in Google Analytics here. For more information about our use of data analytics to protect and improve our Services, see our Cookie Policy;
• Communications you send to us (for example, when you ask for support, send us questions or comments, or report a problem);
• Information that you submit on or to Business Observer24 in the form of content, comments, contributions to discussions, or messages to other users; and
• The email address associated with your Facebook account, if you choose to sign up using your Facebook credentials. Business Observer24 will also request permission to access your name, profile picture, and friend list (these permissions are governed by Facebook’s privacy policies and can be managed through your Facebook privacy settings). We never post anything to your Facebook, Twitter, or other third-party accounts without your permission.

You may decline to provide us with your information. However, this will limit your ability to register for an account or use our Services. You may rate a product or a service published as a guest by providing only a name and an email address. However, to publish a review, save payment details for future reviews, make project comments and take most other actions on our Site, you will need to finish creating an account. You may review, change or remove your information through your account settings.

How We Use This Information

We use the information we collect for the following purposes:

• To keep your account secure and protect our Services (including to verify the identities of entrepreneurs and prevent fraud and abuse);
• To enable us to provide you with our Services, and to improve and promote our Services;
• To create and administer your account, contact you, and customize your experience on Business Observer24 (for example, to show you stories that we think may interest you based on your previous use); and
• To track and analyze use of the Services so that we can improve how Business Observer24 is performing and provide users with the best experience possible.

European Union Users

Data protection law in Europe requires a “lawful basis” for collecting and retaining personal information from citizens or residents of the European Economic Area. Our lawful bases include:

• Performing the contract we have with you: In certain circumstances, we need your personal data to comply with our contractual obligation to deliver the Services, enable publishers to upload and display their stories and enable users to find and rate them.
• Legal compliance: Sometimes the law says we need to collect and use your data. For example, tax laws require us to retain records of pledges and payments made through our Services.
• Legitimate interests: This is a technical term in data protection law which essentially means we have a good and fair reason to use your data and we do so in ways which do not hurt your interests and rights. We sometimes require your data to pursue our legitimate interests in a way that might reasonably be expected as part of running our business and that does not materially impact your rights, freedom or interests.

For example, we use identity, device, and location information to prevent fraud and abuse and to keep the Services secure. We may also send you promotional communications about our Services, subject to your right to control whether we do so.

We analyze how users interact with our Site so we can understand better what elements of the design are working well and which are not working so well. This allows us to improve and develop the quality of the online experience we offer all our users.

How This Information Is Shared

Information that’s shared publicly

When you create an account, we create a basic profile page for you on Business Observer24, containing your username, the date the account was created, and a list of stories you have published or reviewed. By default, your profile is private and you can choose to make it public in your account settings. Your username appears with the comments you post and messages you send on Business Observer24 and, if your profile is set to public, people can click your username to view it. If you make your profile public, others will be able to see the following things:

• The account username you select, and the date the account was created;
• Any information you choose to add to your profile (like a picture, bio, or your location);
• Stories you’ve submitted (but not pledge amounts or rewards chosen);
• Rating of the products or services published in stories you’ve submitted;
• Comments you’ve posted on Business Observer24; and
• If you have “Liked” a story update.

If you would like to have a public profile, but don’t want others to see your name or profile image on a project’s Community tab, you may choose an account image or name that is not identifiable (e.g., DogLuvr22). You can modify or delete certain information associated with your account (such as your username, profile image, biography and location) from your account settings, and you can change your privacy settings if you want to make your profile private or adjust the default settings.

Publishers are also asked to verify their identities before publishing a story. Once this has been done, the publisher’s Verified Name will be publicly displayed on their account profile and on any stories they publish.

Information that isn’t shared publicly

The following data will not be publicly displayed or revealed to other users:

• Any payment information you provide;
• Your password details;
• Your IP address;
• Your phone number;
• Your date of birth and other identity verification documentation (for publishers);
• Private profile information, in accordance with your preferences; and
• Communications you send to us (for example, when you ask for support, send us questions or comments, or report a problem).

Information that’s shared with trusted third-party services

We may share your information with certain trusted third-party services to help us provide, improve, promote, or protect Business Observer24 Services (like when we partner with payment processors or use services that help us manage our ads on other sites). When we share data with third-party services that support our delivery of the Business Observer24 Services, we require that they use your information only for the purposes we’ve authorized and that they protect your personal information at least to the same standards we do. We may also share information that’s aggregated and anonymized in a way that it doesn’t directly identify you.

Information that’s shared with creators and collaborators

When you rate a story, the story’s publisher will know your username, the rating you have given, and the like you have given. Publishers never receive users’ credit card details or other payment information.

When a story is given a rating or a purchase has been made, the publisher will receive the email address associated with your Business Observer24 account. They may also send you a survey requesting information needed to provide your reward or coupon or order. (For instance, they may need your mailing address, or other relevant data.) Any information you provide in such surveys will be received by the Publisher.

Publishers are required to keep user information confidential, except as strictly necessary to communicate with users directly and fulfill their obligations towards users. Publishers should not ask for personal information that isn’t necessary to provide your reward or coupon or order, and should never request sensitive personal information such as your Social Security number or payment information. Contact us if you receive a request for information that seems inappropriate or excessive.

Collaborators are third parties that publishers can appoint to help manage their projects. These collaborators may be able to access the information available to publishers (including users’ names, email addresses, reviews, items selections, messages, and survey responses), and are required to treat users’ personal information with the same care and respect as publishers are.

Publishers and their collaborators may also receive routine traffic analytics about their project pages.

Information that’s shared to protect Business Observer24 and comply with the law

We do reserve the right to disclose personal information when we believe that doing so is reasonably necessary to comply with the law or law enforcement, to prevent fraud or abuse, or to protect Business Observer24 legal rights, property, or the safety of Business Observer24, its employees, users, or others.

Links to other websites and services

Our Site may include links to other websites or services whose privacy practices may differ from Business Observer24. When you use a link to an external site or service, the privacy policy and data processing disclosures for that site or service govern.

Retention

We will retain your information as long as your account is active, as necessary to provide you with the Services or as otherwise set forth in this Policy. We will also retain and use this information as necessary for the purposes set out in this Policy and to the extent necessary to comply with our legal obligations, resolve disputes, enforce our agreements and protect Business Observer24 legal rights.

We also collect and maintain aggregated, anonymized or pseudonymized information which we may retain indefinitely to protect the safety and security of our Site, improve our Services or comply with legal obligations.

Data Transfers

Because Business Observer24 is a EU-based company, your information will be collected and processed in the European Union. European Union has its own laws governing data protection and government access to information. The rules that protect your personal information under European Union’s law may be different than in your home country. If you choose to use the Services, you need to agree to our Terms of Use, which set out the contract between Business Observer24 and its users.

Your Rights

Users residing in certain countries, including the EU, are afforded certain rights regarding their personal information. Except where an exception or exemption applies, these rights include the ability to access, correct, and request deletion of your personal information. While these rights are not applicable globally, all Business Observer24 users can manage their personal information, as further described below, in their account settings.

You can request a downloadable copy of your personal data from Business Observer24 from your account settings page – click the»Export Data« button. To modify or delete the personal information you’ve provided to us, please log in and update your profile. You may also delete your account from your account settings page. We may retain certain information as required by law or as necessary for our legitimate business purposes.

Email and Mobile Notifications

We want to communicate with you only if you want to hear from us. We try to keep emails to a minimum and give you the ability to opt into any marketing communications we send.

We will send you email relating to your transactions on Business Observer24. You may also elect to receive certain marketing email communications, in accordance with your preferences, and from which you may opt-out at any time by adjusting your notification settings. If you download the Business Observer24 app, you can manage the notifications you receive on your mobile device in your profile settings.

We’ll also send you service-related announcements when it’s necessary to do so.

Security

We take security seriously, and the security of your personal data is important to us. We follow industry-standard practices to protect the data we collect and maintain, including using Transport Layer Security (TLS) to encrypt information as it travels over the internet. No method of transmission over the internet or electronic storage is completely secure, so Business Observer24 cannot guarantee its absolute security. Your account information is protected by a password, which you should choose carefully and keep secure. We encourage all users to enable two-factor authentication in account settings to further protect their accounts.

We have a Security Incident Response Team (SIRT) and protocol in place in the event of a data breach. We encourage the responsible disclosure of vulnerabilities of our Services by emailing us and we will invite valid disclosures to our bug bounty program.

Data Protection Officer

To contact our Data Protection Officer, please email support@businessobserver24.com.

You can contact us in writing at: Business Observer24, 

Xolo Go OÜ – ML, Kalasadama tn 4, 10415 Tallinn, Estonia (EU)

Data Protection Authority

Subject to applicable law, if you are a citizen or resident of the European Economic Area, you also have the right to (i) object to Business Observer24 use of your personal information and (ii) lodge a complaint with your local data protection authority or the European Data Information Protection Supervisor, which is Business Observer24 lead supervisory authority in the European Union.

European Data Protection Supervisor

Rue Wiertz 60

1047 Bruxelles/Brussel

Office: Rue Montoyer 30, 6th floor

Tel. +32 2 283 19 00

Fax +32 2 283 19 50

email: edps@edps.europa.eu 

Web: http://www.edps.europa.eu/EDPSWEB/

Children

People under 18 (or the legal age in your jurisdiction) are not permitted to use Business Observer24 on their own. Business Observer24 does not knowingly collect any personal information from children under the age of 13 and children under 13 are not permitted to register for an account or use our Services.

If you believe that a child has provided us with personal information, please contact us at support@businessobserver24.com. If we become aware that a child under age 13 has provided us with personally identifiable information, we’ll delete it.

Published: January 2022