Privacy Policy

Your privacy is critical to us. Likewise, we have built up this Policy with the end goal you should see how we gather, utilize, impart and reveal and make utilization of individual data. The following blueprints our privacy policy.

1) Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

We will gather and utilization of individual data singularly with the target of satisfying those reasons indicated by us and for other good purposes, unless we get the assent of the individual concerned or as required by law.

We will just hold individual data the length of essential for the satisfaction of those reasons.

We will gather individual data by legal and reasonable means and, where fitting, with the information or assent of the individual concerned.

Personal information ought to be important to the reasons for which it is to be utilized, and, to the degree essential for those reasons, ought to be exact, finished, and updated.

We will protect individual data by security shields against misfortune or burglary, and also unapproved access, divulgence, duplicating, use or alteration.

We will promptly provide customers with access to our policies and procedures for the administration of individual data.

Expense Reduction System with its registered office in Palm Harbor, Fl Expense Reduction System can be contacted by sending an email to support@expensereductionsystem.com

We are focused on leading our business as per these standards with a specific end goal to guarantee that the privacy of individual data is secure and maintained.

STATEMENT CONCERNING COPPA

2) The website and Expense Reduction System services contain information that is not directed at children (persons under the age of 13). This website and all other related services and sites (including services and websites of Expense Reduction System partners are not intended for children, and thus Expense Reduction System does not knowingly collect data relating to children.

COLLECTED DATA

3) Expense Reduction System collects various information about its customers and visitors when it is provided to Expense Reduction System when users make use of Expense Reduction System services, or when Expense Reduction System obtains it from a different source. The collected data can be classified into the following categories:

Identification Data	Name and surname, company name (affiliation) and address. In the case of contact by means of social media, also the username used on these platforms.
Contact Data	Name and surname, company name (affiliation) and address. In the case of contact by means of social media – also the username used on these platforms. In the case of subscribing to the newsletter, the Contact Details pertain only the given name and e-mail address.
Financial Data	Transaction and Stripe account user data.
Technical Data	Internet Protocol (IP) address, browser type and version, time zone settings and location, browser plug-in types and versions, operating system and platform, and other technologies used on devices that users use to access this website.
Usage Data	Information on the use of the website or services (behavioral tracking)
Tracking Data	Information that B INTERACTIVE or other entities collect about users through cookies and similar tracking technologies such as web beacons, pixels and identifiers of mobile devices.

Expense Reduction System collects, makes available, and uses Aggregated Data (statistical or demographic data), which however, do not constitute personal data. If this data is combined by
Expense Reduction System with data enabling the user’s identification, then the aggregated data is treated by Expense Reduction System as personal data.
Expense Reduction System does not collect sensitive data (data of a special category), including data revealing racial origin, ethnicity, religious beliefs, data concerning sex life and orientation, political views, information on health and diseases, as well as biometric and genetic data.
If a given user decides not to share certain data with
Expense Reduction System, this may result in the inability to provide services provided by Expense Reduction System. In cases where the law requires consent, it is always voluntary. However,
Expense Reduction System does not only rely on users’ consent when processing data, but also on other grounds for data processing.

DATA COLLECTION METHOD

4) Expense Reduction System uses various methods of collecting personal data, i.e.:

Direct interactions	The user transfers the data directly to B INTERACTIVE. The transfer takes place with registration (conclusion of the contract), contact by post or telephone, and contact by means of social media or with the performance of the contract. In this way, we collect Identification Data, Contact Data and Financial Data.
Automated activities	Data is collected automatically when interacting with B INTERACTIVE (including by means of the website), through cookies and analytical tools. This way, we collect Technical Data, Usage Data, and Tracking Data. We may also collect Aggregated Data. We use automatic actions only in Google Analytics and Hotjar.
From third parties	The data is transferred by entities external to B INTERACTIVE (including entities providing tracking and statistical services, etc.), so far as these entities have a legal basis for the transfer. This basis is usually the user’s consent. This way, Technical Data, Usage Data, and Tracking Data is collected. We may also obtain Financial Data (payment operators). Necessary personal data may be obtained by B INTERACTIVE also by means of API located on the portals of B INTERACTIVE’s business partners, and entities providing services to B INTERACTIVE.

DATA USAGE METHOD

5) The way data is used by Expense Reduction System depends on the purpose for which the data was transferred or obtained:

When we perform an already concluded contract or want to conclude it.	For example, when the user logs in
When it is justified by the interests of B INTERACTIVE or the interests of third parties, and the interests of the user do not override	For example, when we have a reasonable suspicion of fraud; when B INTERACTIVE wants to inform about new services
When B INTERACTIVE has to fulfill its legal obligation	For example, for tax settlements

In principle, however, Expense Reduction System uses the data for: (a) the provision of services that are electronically provided, and in the case of users with whom the contract has been concluded – also for the performance of this contract; (b) the provision of other services; (c) the handling of inquiries, requests, and orders; (d) marketing activities (marketing of own products); (e) analytical purposes, and to improve the performance of websites and services provided by Expense Reduction System; (f) the purposes of development, repair or testing of various functionalities;

LEGAL BASIS FOR DATA COLLECTION. RETENTION

6) Expense Reduction System may process personal data on the following legal grounds:

Performance of the contract, or activities prior to its conclusion	Article 6 (1) 1 letter b) of GDPR Regulations The data is stored for the period necessary to perform, to terminate, or otherwise for the expiration of the concluded contract.	Identification Data, Contact Data, and Financial Data
Direct marketing	Article 6 (1) 1 letter f) of GDPR Regulations The data is stored for the duration of the legitimate interest performed by B INTERACTIVE, however, in the event of exercising the right to object, or withdrawing consent to receive the newsletter, no longer, however, than for the period of limitation of claims after performance of such action. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years). B INTERACTIVE cannot process data for the purpose of direct marketing in the event of an effective objection in this regard by the person whose data it concerns.	Contact Data
Bookkeeping	Article 6 (1) 1 letter c) of GDPR Regulations in connection with art. 74 sec. 2 of the Accounting Act Data is stored for the period required by law requiring B INTERACTIVE to store accounting books (5 years from the beginning of the year following the financial year to which the data relates).	Identification Data, Contact Data and Financial Data, tax identification number
Providing an answer to the question asked	Article 6 (1) 1 letter f) of GDPR Regulations Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period necessary to answer the questions asked.	Identification Data, Contact Data
Establishing, pursuing, or defending claims	Article 6 (1) 1 letter f) of GDPR Regulations Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period of limitation of claims against the person whose data it concerns. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years).	Identification Data, Contact Data and Financial Data, tax identification number
Ensuring data security and protection, as well as protection against fraud	Article 6 (1) 1 letter f) of GDPR Regulations Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period of limitation of claims against the person whose data it concerns. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years).	Identification Data, Contact Data and Financial Data

Performance of the contract, or activities prior to its conclusion: Article 6 (1) 1 letter b) of GDPR Regulations

The data is stored for the period necessary to perform, to terminate, or otherwise for the expiration of the concluded contract.; Identification Data, Contact Data, and Financial Data

Direct marketing: Article 6 (1) 1 letter f) of GDPR Regulations

The data is stored for the duration of the legitimate interest performed by B INTERACTIVE, however, in the event of exercising the right to object, or withdrawing consent to receive the newsletter, no longer, however, than for the period of limitation of claims after performance of such action. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years).

B INTERACTIVE cannot process data for the purpose of direct marketing in the event of an effective objection in this regard by the person whose data it concerns.; Contact Data

Bookkeeping: Article 6 (1) 1 letter c) of GDPR Regulations in connection with art. 74 sec. 2 of the Accounting Act

Data is stored for the period required by law requiring B INTERACTIVE to store accounting books (5 years from the beginning of the year following the financial year to which the data relates).; Identification Data, Contact Data and Financial Data, tax identification number

Providing an answer to the question asked: Article 6 (1) 1 letter f) of GDPR Regulations

Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period necessary to answer the questions asked.; Identification Data, Contact Data

Establishing, pursuing, or defending claims: Article 6 (1) 1 letter f) of GDPR Regulations

Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period of limitation of claims against the person whose data it concerns. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years).; Identification Data, Contact Data and Financial Data, tax identification number

Ensuring data security and protection, as well as protection against fraud: Article 6 (1) 1 letter f) of GDPR Regulations

Data is stored for the duration of the legitimate interest pursued by B INTERACTIVE, however, no longer than for the period of limitation of claims against the person whose data it concerns. The limitation period is determined by the law, in particular the Civil Code (the basic limitation period for claims related to running a business is three years).; Identification Data, Contact Data and Financial Data

RIGHTS OF PERSONS WHOM THE DATA CONCERNS

7) The data subject (user) has the following rights:

Right of access, rectification, restriction, deletion, or transfer	the person whose data it concerns has the right to request B INTERACTIVE to access their personal data, rectify it, delete it (“the right to be forgotten”), or to limit the processing, and has the right to object to the processing, and has the right to transfer their data. Detailed conditions for the exercise of the above-mentioned rights are set out in Art. 15-21 of the GDPR Regulation
The right to withdraw consent at any time	a person whose data is processed by B INTERACTIVE on the basis of expressed consent (pursuant to art.6 (1) letter a) or art. 9 (2) letter a) of the GDPR Regulation) has the right to withdraw consent at any time without affecting the lawfulness of the processing which was carried out on the basis of consent before its withdrawal
The right to file a complaint with the supervisory authority	the person whose data is processed by B INTERACTIVE has the right to file a complaint with the supervisory authority in the manner and mode specified in the provisions of the GDPR Regulation and Polish law, in particular the Act on the Protection of Personal Data. The supervisory authority in Poland is the President of the Personal Data Protection Office
The right to object	the person whose data it concerns has the right to object at any time – for reasons related to their particular situation – to the processing of their personal data based on art. 6 (1) letter e) (public interest or tasks) or f) (legitimate interest), including profiling based on these provisions. B INTERACTIVE, in such case, is no longer allowed to process this personal data, unless it demonstrates the existence of valid legitimate grounds for processing, overriding the interests, rights, and freedoms of the person whose data it concerns, or grounds for establishing, investigating, or defending claims
The right to object in regards to direct marketing	if personal data are processed for direct marketing purposes, the person whose data it concerns has the right to object at any time to the processing of their personal data for the purpose of such marketing, to the extent that the processing relates to such direct marketing

Exercising the rights of the person whose data it concerns is done by contacting Expense Reduction System using the contact details specified at the beginning of the policy.

PROFILING

8)Expense Reduction System does not perform profiling

TRANSFER OF DATA

9) Data collected by

Expense Reduction System, in principle, is not transferred to third parties. However, Expense Reduction System can:

a. transfer the data of persons who have used Expense Reduction System services to entities supporting

Expense Reduction System in providing services, such as payment service providers or analytical tool providers (e.g., Google Analytics);

b. transfer data to law enforcement authorities, supervisory authorities, entities performing public tasks or others, when the obligation to disclose data results from legal provisions. The transfer of data must always take place on the basis of a legal provision or an appropriate contract (entrusting the processing of personal data). Data may be transferred outside the European Economic Area, with Expense Reduction System ensuring that appropriate security measures are provided. In particular, Expense Reduction System concludes appropriate contracts (standard contractual clauses) to secure the transferred personal data, and transfers the data to countries for which the European Commission has issued a decision declaring the appropriate level of protection.

COOKIES AND ANALYTICS

10)

Cookie files (cookies) are small text information in the form of text files, sent by the server and saved on the side of the person visiting the website (e.g., on the hard drive of the computer, laptop, or on the smartphone’s memory card – depending on the device which is used by the user).
As a standard, most internet browsers available on the market accept cookies by default. Every person has the option to define the terms of using cookies by means of settings of their own web browser. This means that it is possible, for example, to partially limit (e.g., temporarily), or completely disable the option of saving cookies – in the latter case, however, it may affect some of the website functionalities.
Expense Reduction System uses the following cookies:
a. Google Analytics;
b. Hotjar;
c. files necessary for the operation of the website.

These files are required for traffic analysis, and are not essential for the proper functioning of Expense Reduction System websites. Expense Reduction System provides an easy way to disable these files.

Google Analytics

Expense Reduction System uses Google Analytics services and its functions provided by Google Inc. (1600 Amphitheater Parkway, Mountain View, CA 94043, USA). These services support Expense Reduction System in analyzing and improving the websites and the services provided through them. Google Analytics, along with advertising functions, uses cookies to analyze the use of websites. The received data is processed in a collective and anonymized way (this means that they prevent the identification of a person. However, this data may be combined with other data. In such case, they constitute personal data for Expense Reduction System. Every person has the option to block the transfer of data from electronic devices to Google Analytics by downloading and installing a free browser plug-in available here.

Necessary files

These are files that cannot be disabled with other functions, except by changing browser settings. These files guarantee the proper operation of Expense Reduction System websites and can be used for (a) protection against abuse (security during login and authentication) and (b) maintaining the session (maintaining login when switching between tabs).