This notice (privacy notice) applies to personal information we collect from you when you use this site. If you are a Cornerstore Digital LLC customer, or otherwise have a relationship with us, we may also have provided you with a separate privacy notice setting out how we use your personal information, which will also apply.

Cornerstore Digital LLC and its subsidiaries (collectively referred to as “Cornerstore Digital LLC”, “we”, “us”) take data protections and privacy responsibilities seriously. This privacy notice explains how we collect, use, and share personal information in the course of our business activities, including:
- What personal information we collect and when and why we use it;
- How we share personal information within Cornerstore Digital LLC, with third parties, and regulators;
- Using cookies and other technologies;
- Carrying out direct marketing;
- Transferring personal information globally;
- How we protect and store personal information;
- Legal rights available to help manage your privacy; and
- How you can contact us.

We may amend this notice from time to time to keep it up to date with legal requirements and the way we operate our business. Please regularly check these pages for the latest version of this notice. If we make significant changes to this privacy notice, we will seek to inform you by notice on our website or email (“Notice of Change”).

What Personal Information We Collect and When and Why We Use It

Cornerstore Digital LLC collects information about you if you:
- Register with or use our services;
- Are a private client;
- Represent one of our institutional clients;
- Work with us as a service provider; or
- Visit a Cornerstore Digital LLC office or register to attend a Cornerstore Digital LLC event.

Personal information we collect will fall within one of the below:
- Your name and how to contact you – basic information about you, including your signature;
- Identification data including unique descriptors – Government issued identifiers, other unique identifiers such as date of birth, and personal descriptors that might identify you.
- Financial and transactional – financial information about you, transactional information and credit information, account authentication details.
- Contractual details – information collected as part of the services we provide you.
- Socio-demographic – includes details about your work or profession, nationality, education.
- Technical information – details about your devices and technology that you use to access our services, including IP address.
- Behavioural – information about how you use our products and services.
- Location – data we receive about where you are.
- Communications – information we capture through your communications with us, e.g., telephone conversations, emails, and instant messaging.
- Publicly available information – details that are in public records and information about you that is openly available on the internet.
- Sensitive categories of data – the law and other regulations treat some types of personal information, including personal information relating to health and criminal convictions and offenses as special and affords them additional protections. We will only collect and use these types of data if the law allows us to do so.

Personal information we collect will be used for one or more of the following services:
- To manage your relationship with Cornerstore Digital LLC:
— To manage our relationship with you or your business, for example, how to best contact you;
— To develop new ways to meet our clients’ needs and to grow our business, for example by seeking client feedback or sharing market research;
— To develop and carry out marketing activities in order to keep our clients informed about our products and services;
— To develop and manage our brand.

- To administer the services we deliver:
— To make and manage client payments;
— To manage fees, charges, and interest due on client accounts;
— To collect and recover money that is owed to us;
— To exercise our rights set out in agreements or contracts.

- Crime prevention and detection:
— To detect, investigate, report, and seek to prevent fraud, financial crime, and anti-money laundering, for example through know-your-customer checks, AML screening, and other identity checks;
— To comply with other laws and regulations that apply to us.

- To protect our brand, our business, and our clients’ interests:
— To manage risk for us and our clients;
— To respond to complaints and seek to resolve them;
— To comply with all applicable laws, law enforcement, and regulatory requirements;
— To protect our IT systems, network, and infrastructure;
— To run our business in an efficient manner, for example, managing our financial position, planning, corporate governance, or audit.

The lawful basis on which we will collect and use this data will include:

- Legitimate interests – our use of your personal information is in our legitimate interest as a commercial organization to provide services to our clients, provided our use is proportionate and respects your privacy rights, where we rely on our legitimate interest, we will tell you what that interest is. Our legitimate interests include:
— Working out which of our products or services might interest you and telling you about them;
— Seeking your consent when we need to contact you;
— Keeping our records up to date and honoring your communication preferences;
— Ensuring we are able to effectively and efficiently meet our contractual obligations;
— Complying with regulatory requirements.

- Consent (where required by law) – you have provided your consent to us using the personal information, for example, if you have agreed to receive marketing communications.
- Contractual obligation – our use of personal information is necessary to fulfill a contract we have with you or to take steps to enter into a contract with you, for example when you ask us to provide you with a product or service.
- Legal obligation – our use of your personal information is necessary to comply with a legal obligation that we have, for example where we are required to report to tax authorities.
- Public interest – our use of your personal information is required for regulatory reasons that are in the public interest, for example to prevent and detect financial crime.

How we share personal information within Cornerstore Digital LLC, with third parties, and regulators

We may share your information in the manner and for the purposes described below:
- Within Cornerstore Digital LLC, where such disclosure is necessary to provide you with our services or to manage our business;
- With third parties who help manage our business and deliver services. These third-parties have agreed to confidentiality restrictions and use any personal information we share with them or which they collect on our behalf solely for the purpose of providing the contractual service to us. These include IT service providers.
- With agencies and organizations working to prevent fraud in financial services;
- With our regulators;
- To comply with all applicable laws, regulations, and rules, and requests of law enforcement, regulatory and other governmental agencies;
- We may share in aggregate, statistical form, non-personal information regarding the visitors to our website, traffic patterns, and website usage with our business partners, affiliates, or advertisers;
- Cornerstore Digital LLC may, in the future, sell or otherwise transfer some or all of its assets to a third party. Your personal information, technical information about your device or browser, or other anonymous information we obtain from you via the website may be disclosed to any potential or actual third-party purchasers of such assets or may be among those assets transferred.

Using cookies and other technologies

We use cookies, web beacons, and similar technologies (“Cookies”) to track information provided to us by your browser and by our software application when you use our websites. A Cookie is a small piece of information that a website stores on the web browser on your device and can later retrieve. Session Cookies are temporary and will expire at the end of a browser session when you leave a website. Persistent Cookies, in contrast, remain in the Cookie file of your browser even after you leave a website and after the browser is closed. A Cookie will not contain information that will enable us to contact you via telephone, email, or other means. Our websites are not currently configured to respond to “do not track” signals or similar mechanisms.

Third-Party Websites

Our website contains links to third-party sites (including social media bookmarking buttons that enable you to share certain content from our website). Although some of the entities controlling these websites are under contract with us, not all of them are, so we advise you to familiarize yourself with the individual privacy and cookie notice and other terms for each linked website prior to submitting your personal data. We are not responsible for and do not have control over their terms of use or privacy notices, have not reviewed them, and we do not accept liability with respect to the content of these websites or how they use Cookies and handle your personal information.

Carrying out direct marketing

We may use personal information to let you know about Cornerstore Digital LLC products and services that we believe will be of interest to you. We may contact you by email, post, or telephone or through other helpful channels that we think you may find helpful. In all cases, we will respect your preferences for how you would like us to manage marketing activity with you.

To protect your privacy rights and ensure you have control over how we manage marketing with you:
- We will take steps to limit direct marketing to a reasonable and proportionate level and only send you communications which we believe may be of interest or relevance to you;
- You can ask us to stop direct marketing at any time. You can ask us to stop sending email marketing by following the ‘unsubscribe’ link you will find on the email marketing messages we send you.

Children’s Privacy

We do not accept users under the age of 21, and no part of our website is structured to attract anyone under 21. In the event that we learn we have inadvertently collected personal information from an individual under the age of 21, we will take reasonable steps to delete that information. If you believe that we might have any information from an individual under 21, please contact us.

Transferring personal information globally

Your personal information may be transferred to, stored, or processed in Saint Vincent and the Grenadines or any other country or jurisdiction in which Cornerstore Digital LLC or its service providers maintain facilities or conduct business activities.

This may include a country and jurisdiction that does not have the same data-protection laws as your jurisdiction. For EEA and UK residents, your personal information may be transferred to a country that is not regarded as ensuring an adequate level of protection for personal information under European Union law.

Cornerstore Digital LLC will take appropriate steps to ensure that transfers of personal information are in accordance with applicable law and carefully managed to protect your privacy rights and interests. To this end:
- Transfers within Cornerstore Digital LLC will be covered by an agreement entered into by members of Cornerstore Digital LLC which contractually obliges each member to ensure that personal information receives an adequate and consistent level of protection wherever it is transferred within Cornerstore Digital LLC;
- Where we transfer your personal information outside Cornerstore Digital LLC, or to third parties who help provide our products and services, we obtain contractual commitments from them to protect your personal information.

You have a right to contact us for more information about the safeguards we have put in place to ensure the adequate protection of your personal information when this is transferred as mentioned above.

How we protect and store personal information

We have implemented and maintain a comprehensive information security program with written policies and procedures designed to protect the confidentiality and integrity of personal information. The information security program contains administrative, technical, and physical safeguards, appropriate to the type of information concerned, designed to:
- Maintain the security and confidentiality of such information;
- Protect against any anticipated threats or hazards to the security or integrity of such information;
- Protect against unauthorized access to or use of such information that could result in substantial harm; and
- Ensure appropriate disposal of such information.

The security of your personal information also depends in part on the security of the devices you use to communicate with us.

We will store your personal information for as long as is reasonably necessary for the purposes for which it was collected. In some circumstances, we may store your personal information for longer periods of time, for instance where we are required to do so in accordance with legal, regulatory, tax, accounting, or necessary technical requirements.

In specific circumstances, we may store your personal information for a longer period of time so that we have an accurate record of your dealings with us in the event of any complaints or challenges, or if we believe there is a prospect of legal claims relating to your personal information or dealings.

Legal rights available to help manage your privacy

Under applicable law, and subject to limitations and exceptions provided by law, if you are located in the EEA or UK, and in certain other jurisdictions, you may have certain rights in relation to your personal information, these include:

- To access personal information – you have a right to request that we provide you with a copy of your personal information we hold, and you have the right to be informed of:
— The source of your personal information;
— The purposes, legal basis, and methods of processing;
— The data controller's identity; and
— The entities or categories of entities to whom your personal information may be transferred.

- To rectify or erase personal information – you have a right to request that we rectify inaccurate personal information. We may seek to verify the accuracy of the personal information before rectifying it. You can also request that we erase your personal information in limited circumstances where:
— It is no longer needed for the purposes for which it was collected; or
— You have withdrawn consent (where the data processing was based on consent); or
— Following a successful right to object; or
— It has been processed unlawfully; or
— To comply with a legal obligation to which Cornerstore Digital LLC is subject.

We are not required to comply with your request to erase personal information if the processing of your personal information is necessary:
— For compliance with a legal obligation; or
— For the establishment, exercise, or defense of legal claims.

- To restrict the processing of your personal information – you can ask us to restrict your personal information, but only where:
— The accuracy is contested, to allow us to verify its accuracy; or
— The processing is unlawful, but you do not want it erased; or
— It is no longer needed for the purposes for which it was collected, but we still need it to establish, exercise, or defend legal claims; or
— You have exercised the right to object and we are considering your request.

We can continue to use your personal information following a request for restriction:
— Where we have your consent; or
— To establish, exercise, or defend legal claims; or
— To protect the rights of another natural or legal person.

- To transfer your personal information – you can ask us to provide your personal information to you in a structured, commonly used, machine-readable format, or you can ask to have it transferred directly to another data controller, but in each case only where:
— The processing is based on your consent or on the performance of a contract with you; and
— The processing is carried out by automated means.

- To object to the processing of personal information - you can object to any processing of your personal information which has our legitimate interests as its legal basis if you believe your fundamental rights and freedoms outweigh our legitimate interests. If you raise an objection, we have an opportunity to demonstrate that we have compelling legitimate interests which override your rights and freedoms.

- To object to how we use your personal information for direct marketing purposes – you can request that we change the manner in which we contact you for marketing purposes. You can request that we not transfer your personal information to any unaffiliated third parties for the purposes of direct marketing or any other purposes.

- To obtain a copy of personal information safeguards used for transfers outside your jurisdiction – you can ask to obtain a copy of, or reference to, the safeguards under which your personal information is transferred outside of the European Union. We may redact data agreements to protect commercial terms.

- To lodge a complaint with your local supervisory authority – you have a right to lodge a complaint with your local data protection supervisory authority if you have concerns about how we are processing your personal information. We ask that you please attempt to resolve any issues with us first, although you have a right to contact your supervisory authority at any time.