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PRIVACY POLICY

Efma, a certified association under French law, commercially using the tradename
Qorus, its subsidiaries and affiliates respect your privacy and are committed to
protecting it through our compliance with this policy and any and all applicable
laws, rules, and regulations including the General Data Protection Regulation
(EU) 2016/679 (“GDPR”). 

In the following, we provide an overview of what information we collect when you
visit our websites, how this data is used and when we share it with third party.

1. General 

 

By accessing Qorus websites, you acknowledge this Privacy Policy and agree to be
bound by the terms hereof and the terms of use set forth on our websites. If
there is anything you do not understand please email any inquiry to
privacy@Qorusglobal.com. If at any time you do not agree to this Privacy Policy,
you may not use the websites. 

Although many areas of our websites do not require registration and may be
accessed without having to disclose any Personal Data other than cookies as
described hereinafter, we may ask you for certain kinds of Personal Data when
creating a personal Qorus account. 

Qorus collects some personal information from individuals in order to deliver
services to its members and non-members (such as banks, insurance companies,
academic institutions and research centers, consulting companies, IT companies,
fintech, and nonprofit associations) and to other companies. 

Personal Data is data relating to your identity. This includes, for example,
particulars such as your name, mailing address, telephone number, user name and
password and email address. 

The Qorus account creation is needed to receive information from Qorus, vote at
Qorus awards, submit an innovation, access to the portals’ libraries, other
specific features from portals, register at Qorus events, download an Qorus
report, read some exclusive news and other types of content. To create an
account, user has to go to https://www.Qorusglobal.com or any other Qorus portal
(innovation in banking portal, innovation in insurance portal, FinTechVisor
portal). Your ID and password are required to access to the exclusive section of
these sites. 

Your Personal Data is processed in accordance with French and European data
protection regulations. 

We have taken technical and organizational security measures to protect your
Personal Data from loss, destruction, manipulation and unauthorized access. All
our employees and any third parties involved in data processing must comply with
the EU General Data Protection Regulation (GDPR) and the confidential handling
of personal data. Our security measures are regularly updated in accordance with
technological developments.

2. The processing of data on our websites 

 

a) Purposes of the processing of Personal Data 

 

Qorus collects some personal information from individuals in order to deliver
services to its members and non-members (such as banks, insurance companies,
academic institutions and research centers, consulting companies, IT companies,
fintech, non-profit associations) and to other companies. 

Information that Qorus stores is aimed to deliver our mission: invite individual
to events about financial services, confirm registration to events and send user
guides, invoice individuals who have purchased specific services (conference fee
for instance), connect members to members, send news about finance, inform about
new reports, offer trainings about financial and IT topics, provide insights
from the community, inform about Qorus. Qorus stores your Qorus usage,
preferences and web navigation on Qorus websites in order to improve your online
experience, suggest reports, other content and services that are relevant to
you. 

The abovementioned Personal Data will not be retained by Qorus for longer than
necessary in accordance with applicable laws. In any case, our policy is to
remove all inactive contacts after 3 (three) years of no contact. An email is
sent to the inactive contact to ensure the contact doesn’t exist anymore or
doesn’t reply. If no reply within two weeks, Qorus removes all information about
this individual from its database.

 

b) Data transmission and recording for statistical purposes

 

Your internet browser transmits data to our web server when you access our
websites. The data collected includes the date and time of access, URL of the
referring website, name of the accessed file, browser type and version,
operating system and IP address ("access data"). Access data is stored
separately from other data you enter when using our website. It is not possible
for us to allocate access data to a particular person. Access data is evaluated
for statistical purposes and deleted after 6 (six) weeks at the latest.

 

c) Payment information

 

Registration forms that include credit cards numbers are destroyed after
performance of the corresponding obligation. 

Online payment is secured: SSL protocol.The provider of our online payment
solution is STRIPE, which general terms and conditions are accessible here.

 

d) Cookies

 

Depending on your browser settings, we use cookies to collect information on how
you use our websites. Cookies are small text files which are stored on your
computer when you visit our website. Cookies help us to determine how often our
website is used and by how many users. It also makes it as convenient and
efficient as possible for you to use our website. We use session cookies which
are temporarily stored while you use one of our websites as well as permanent
cookies to store information about computers which repeatedly access our
website. This enables us to provide you with optimum user guidance and to
"recognize" you when you return to our websites so that we can offer you maximum
variety and new content. We use permanent cookies to record the number of times
you visit our websites, the amount of time you spend on our websites, start and
end of use and your interest in our services. 

The content of a permanent cookie is limited to an identification number. Name,
IP address or other information regarding your true identity are not stored, and
we do not set up any individual profiles regarding your pattern of use.
Permanent cookies are automatically deleted. Storage duration varies depending
on the cookie. You may delete permanent cookies at any time under the security
settings of your web browser. 

Below is an overview of the types of cookies we may use: 

Necessary & Functional cookies. Some cookies are strictly necessary to make our
services available to you. For example, to provide the login functionality and
to remember your consent and privacy choices. We cannot provide you with the
services without these types of cookies. 
Analytical cookies - We also use cookies for website analytics purposes in order
to operate, maintain and improve services. We may use our own analytics cookies
or use third party analytics providers such as Google Analytics, to collect and
process certain analytics data on our behalf. These third parties may also
collect information about your use of other websites, apps, and online
resources. 
Advertising cookies – we may use cookies for purposes of providing Qorus, its
subsidiaries and affiliates, marketing to you across our different Portals. 
We may also work with third-party advertising partners to show you ads about
Qorus, its subsidiaries and affiliates, as well as assist us with data
collection, reporting, ad-response measurement, analytical information, and
delivery of marketing messages and advertisements. To do so, we and our
advertising partners may place and access cookies through our Site and otherwise
collect or access Personal Data collected over time and across different online
services. 

3. Control of Personal Information and Opt-Out 

 

Once you subscribed to Qorus’s newsletter or logged in your user account on our
websites, as part of your professional activity, you will receive from Qorus
email communications concerning financial services, such as newsletter or Qorus
communication. 

You may opt out of receiving email communications anytime by following the
instructions provided at the bottom of each email, clicking the “unsubscribe”
button at the bottom of emails we sent you; and/or by managing your preferences
of our Qorus account profile on https://www.Qorusglobal.com, and/or by emailing
us at privacy@Qorusglobal.com. Opting out of receiving communications will not
prevent you from using Qorus’s websites and portals.

4. Access to and disclosure of Personal Data 

 

Qorus doesn’t sell or resell any Personal Data. We share your Personal Data with
Qorus partners (associate members or sponsors) only if the individual user has
accepted the Qorus data policy and confirmed he/she allows Qorus to share
personal data with third parties. 

Qorus might disclose the access to Personal Data you transmit through the
websites to the following categories of recipients:

 * Affiliated companies and subsidiaries of Qorus
 * Partners as described in section 5 hereinafter
 * Several service providers which are instructed in connection with the
   performance of contractual obligations, such as hosting companies,
   subprocessors or marketing teams. Service providers include, but are not
   limited to:
   * Stripe (payment services provider)
   * HubSpot (contact information storage)

Those public or private bodies to which we have to disclose Personal Data to
meet a statutory obligation. 

We provide these companies only with the information they need to perform their
services. We require that these recipients agree to keep all information shared
with them confidential and to use the information only to perform their
obligations to us. 

In any case, any and each recipients of Personal Data must comply with GDPR
requirements and take all necessary technical and organizational measures to
perform processing in accordance with the regulation. 

We also intend to transfer your personal data to recipients in third countries.
Third countries are countries outside of the European Union or the European
Economic Area where it is not always possible to assume that the level of data
protection is comparable to that of the European Union. 

Before any such data transfer we ensure that the required level of data
protection is ensured in the third country concerned or at the recipient in the
third country. This make the form of an “adequacy decision” of the European
Commission which ensures that an adequate level of data protection has been
ascertained overall for a certain third country. Alternatively, we can also
transfer data on the basis of “EU standard contractual clauses”.

5. Qorus partners

 

Our partners are selected by Qorus and recognized for their value in financial
services.

 

a) Qorus events

 

Registration process to Qorus events requires agreeing to our data privacy
policy. This includes that registered individuals agree to share their name,
picture, job title and company name with other registered persons of the same
event. Qorus will not communicate names, job titles and company names and any
contact information to sponsors of the event if the individual has opted out the
option to share his/her personal information.

 

b) Co-branded reports and webinars

 

Co-branded reports and webinars that are a common initiative from Qorus and an
Associate Member (selected Qorus’s partner: called Associate Members) can be
accessed after identification of the user. In that case, Name, First Name, Job
Titles and Company names will be shared with the co-organizer or co-publisher
(exclusive Member).

 

c) Qorus portals

 

Qorus has created dedicated portals and specific initiatives with few selected
partners to bring more services to Qorus members about financial services like
the Qorus banking innovation portal (called DMI), the Qorus innovation in
insurance portal, the FinTechVisor portal. 

Portals that are jointly managed by Qorus and a selected Qorus’s partner are
common initiatives and can be accessed after identification of the user. In that
case, Qorus and Qorus’s partner are joint controllers of the Personal Data
provided by the user.

 

d) Communities

 

By subscribing to Qorus Communities, you allow Qorus and Qorus’s partner, that
jointly managed the Community, to process your personal information according to
the Privacy Policy. 

6. Security of your Personal Data

 

We use physical, organizational, and technical safeguards that are designed to
improve the integrity and security of Personal Data that we process.

 

a) Security of your Qorus account

 

Any individual can create an Qorus account by providing professional information
and a password. It enables any user to access Qorus services that require this
account information. User ID is the user professional email address. Password
created by the user must be more than 6 (six) characters long and should contain
at least 1 (one) uppercase, 1 (one) lowercase, 1 (one) numeric and 1 (one)
special character. The password is encrypted and Qorus doesn’t store it on its
database. No one, even the user nor any Qorus employee, can retrieve passwords.
If the password is forgotten by the user, he or she needs to create and submit a
new one and activate the account by clicking on the link contained in the
received email.

 

b) Other security measures

 

Personal Data are hosted by: 
- DigitalOcean (for web data), 101 Avenue of the Americas (Grand St.), New York,
NY 10013, United States. https://www.digitalocean.com/about

- Hubspot (for CRM data). 
25 First Street, 2nd Floor, Cambridge, MA 02141, United States 


Qorus makes sure to implement all necessary security measures relating to the
Personal Data processed, as required by applicable rules. 

7. Your rights when your Personal Data is processed

 

You have a permanent right of access, rectification, opposition, erasure,
restriction and portability to all your Personal Data, in accordance with the
Data Protection Legislation. 

If you have given us your consent, you also have the right to revoke your
consent at any time with effect for the future. 

You are entitled to assert the above-mentioned rights against us, e.g. by
notifying us via one of the methods of contact listed at the end of this Privacy
policy. 

You have the right to object at any time to the processing of your personal data
on grounds relating to your particular situation. 

In such cases Qorus will no longer process your personal data unless it can
demonstrate compelling legitimate grounds for the processing which override your
interests, rights and freedoms or for the establishment, exercise or defense of
legal claims. 

8. Contact information

 

If you have any further questions relating to data protection and the processing
of your Personal Data, you can exercise your rights, by e-mailing
privacy@Qorusglobal.com or with a detailed request. 

Qorus’s Data Privacy Officer (DPO) is Céline Ristors. She can be contacted at
the following address: 

Email: privacy@Qorusglobal.com 

Phone number: +33 1 47 42 52 72 

You also have a right to lodge a complaint with a supervisory authority, such as
the CNIL, if you consider that any processing of your Personal Data infringes
the requirements of Data Protection Legislation. 

Further. Faster. Together




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CONTACT

10 Boulevard Haussmann

75009 Paris, France

+33147425272

info@qorusglobal.com


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