DRAFT FOR LEGAL REVIEW — NOT FINAL LEGAL ADVICE.
1. Introduction
CintaMart is an online marketplace operated for buyers and independent vendors to discover, list, purchase and sell products through the CintaMart platform.
This Privacy Policy explains how CintaMart collects, uses, stores, protects and shares personal information when you access the CintaMart website, create an account, buy products, apply to become a vendor, operate a vendor store, communicate with us, request payment or otherwise use our services.
By using CintaMart, you acknowledge the practices described in this Privacy Policy.
2. Information We May Collect
Depending on how you use CintaMart, we may collect:
- Account information, including your name, email address, telephone number, password credentials and account role.
- Buyer information, including billing information, delivery information, order history, cart activity, refund requests, support communications and transaction records.
- Vendor information, including business name, business registration or verification information, contact details, store information, product information, compliance documents and vendor application records.
- Payout information, including bank name, bank code, bank account number, account holder name, payout history and verification information. Where supported by the platform, bank account information may be verified through an approved payment-service provider before being accepted for payout purposes.
- Transaction information, including amounts paid, vendor earnings, marketplace charges, payment-processing charges, refunds, settlements and payout records.
- Technical information, including IP address, browser information, device information, logs, security events and information generated when you interact with the platform.
- Communications, including emails, customer-support messages, vendor-support requests, dispute communications and other correspondence with CintaMart.
3. How We Use Personal Information
We may use information to:
- create and administer accounts;
- authenticate users and protect account security;
- process orders and payments;
- operate vendor stores and product listings;
- review and approve vendor applications;
- verify vendor payout information;
- calculate and maintain vendor earnings;
- process payout requests;
- administer returns, refunds, disputes and reversals;
- detect fraud, abuse and unauthorised activity;
- communicate service and transactional information;
- respond to support enquiries;
- maintain accounting and audit records;
- comply with applicable laws and regulatory requirements;
- improve the operation, reliability and security of CintaMart.
4. Payments
CintaMart uses third-party payment infrastructure to facilitate payment processing.
Payment information submitted during checkout may therefore be processed by approved payment-service providers in accordance with their own terms and privacy practices.
CintaMart may receive transaction references, payment status information and other information necessary to reconcile orders, refunds and marketplace accounting.
CintaMart does not need to store a buyer's full payment-card details in order to maintain an order record.
5. Vendor Payout Information
Vendor payout bank information may be verified using approved payment-service infrastructure.
Sensitive bank-account information stored by CintaMart is intended to be protected using appropriate technical safeguards, including encryption at rest where implemented by the platform.
For security reasons, CintaMart may display only a masked portion of a saved account number after verification.
A vendor may be required to reverify payout information if the vendor changes the registered bank or account number.
6. Sharing of Information
We may share personal information where reasonably necessary with:
- payment-service providers;
- banks and financial institutions;
- delivery or logistics providers where required to fulfil an order;
- service providers that support hosting, email, infrastructure, monitoring or security;
- professional advisers, including lawyers and accountants;
- regulatory or governmental authorities where legally required;
- parties involved in preventing fraud, enforcing our terms or protecting users.
We do not intend to sell personal information to advertisers.
7. Data Retention
CintaMart may retain information for as long as reasonably necessary to operate your account, complete transactions, maintain financial and accounting records, administer disputes and refunds, maintain security and fraud-prevention records, and satisfy legal, tax, regulatory or audit requirements.
Certain transaction, payout, refund and accounting records may need to remain in the system even after an account or product becomes inactive, because those records form part of the marketplace's financial audit trail.
8. Security
CintaMart uses reasonable organisational and technical safeguards designed to protect personal information.
However, no online service can guarantee absolute security.
Users are responsible for maintaining the confidentiality of their passwords and for promptly notifying CintaMart of suspected unauthorised access.
9. Your Rights and Choices
Subject to applicable law, you may have rights relating to your personal information, including rights to request access, correction or deletion of certain information.
Some information may not be deletable immediately where CintaMart is required to retain it for legitimate accounting, fraud-prevention, contractual or legal purposes.
10. Cookies and Similar Technologies
CintaMart may use cookies and similar technologies to maintain user sessions, remember preferences, support security, understand platform usage and provide core marketplace functionality.
11. Children
CintaMart is not intended for persons who are legally unable to enter into the transactions contemplated by the platform without appropriate consent.
The final age requirement should be established in accordance with applicable law and confirmed by legal counsel.
12. Changes to This Policy
CintaMart may update this Privacy Policy from time to time.
Material revisions may be communicated through the platform or other appropriate channels. Where applicable, users may be required to acknowledge an updated version before continuing to use certain services.
13. Contact
Questions regarding privacy may be directed to:
CintaMart / Cinta Network Mart
Email: cintamart4@gmail.com
Phone: +60 11-1635 1476