Privacy Policy
This Privacy Policy describes the privacy practices of Onyx Finance (“Onyx”), including the Orcus Finance platform and website (collectively, the “Services”). We also provide a supplementary privacy notice for data subjects in the EEA, Switzerland, and the UK (collectively, “Europe”).
Onyx Finance is the 13th-largest property and casualty insurance company in Finland. It sells products primarily through a network of agents and brokers and has also been an auto, life, and Finance insurance company for more than 15 years. We offer clients a diversified investment program, tailored to suit their investment needs.
Automatic data collection. Our service providers and we may automatically log information about you, your computer or mobile device, and your interaction over time with the Services, our communications, and other online services, such as:
- Device data, such as device IP address (and derived location), device name and operating system, browser type and settings, telecommunications provider, operating system, the date and time of Services use, and interactions with the Services.
- Online activity data, such as information about your use of and actions on the Services, including pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, frequency, and length of access. This information may be collected on our Services using cookies, browser web storage (also known as local stored objects, or “LSOs”), web beacons, third-party software development kits (“SDKs”), and similar technologies described below.
Cookies and similar technologies. Our website may use the following technologies:
- Cookies, which are text files that websites store on a visitor‘s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
How We Use Personal Information
- Operate the Services and our business;
- Maintain and improve the Services and the Services’ features;
- Facilitate user connections on our Services;
- Communicate with you about the Services, including by sending announcements, updates, security alerts, and support and administrative messages; and
- Provide support for the Services, and respond to your requests, questions, and feedback.
Research and development: We may create and use de-identified information for our business purposes, including analyzing the effectiveness of our Services, improving and adding features to our Services, and to analyze the general behavior and characteristics of users of our Services. We may use this anonymous, aggregated, or de-identified data and share it with third parties for our lawful business purposes.
Support and maintenance: We use third-party analytics services to automatically log certain information about your mobile device and how you interact with the Services. The information collected is used to troubleshoot and prevent errors, perform data analysis, and develop new features. Compliance and protection. We may use personal information to:
- Protect our, your, or others’ rights, privacy, safety, or property (including by making and defending legal claims);
- Enforce the Terms of service that govern the Services;
- Audit our internal processes for compliance with legal and contractual requirements and internal policies;
- Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft; and
- Comply with applicable laws, lawful requests, and legal processes, such as responding to subpoenas or requests from government authorities.
How We Share Personal Information
We may share personal information with:
Service providers. Companies and individuals that provide services on our behalf or help us operate the Services or our business (such as hosting, analytics, customer support, email and SMS delivery, and payment services).
Professional advisors. Professional advisors, such as lawyers, auditors, bankers, and insurers, where necessary in the course of the professional services that they render to us.
Business transferees. Acquirers and other relevant participants in business transactions (or negotiations for such transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale, or other disposition of all or any portion of the business or assets of, or equity interests in, Orcus Finance or our affiliates.
Links
This website may contain links to or from other websites. Please be aware that we are not responsible for the privacy practices of other websites. This Privacy Policy applies only to the information we collect on this Site. We encourage you to read the privacy policies of other websites you link to from this Site or otherwise visit.
Your ChoicesOnline tracking opt out. There are a number of ways to limit online tracking, which we have summarized below:
- Blocking cookies in your browser. Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
- Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery, or uBlock Origin, and configuring them to block third-party cookies/trackers. You can also opt out of Google Analytics by downloading and installing the browser plug-in available at: https://tools.google.com/dlpage/gaoptout.
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device you use.
Do Not Track: Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to "Do Not Track" or similar signals. To find out more about "Do Not Track," please visit www.allaboutdnt.com .
Other Sites and Apps
The Services may contain links to websites and other online services operated by third parties. In addition, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites or online services operated by third parties, and we are not responsible for their actions.
Processing of Personal Information.We are headquartered in Finland and may have service providers that operate in Finland, the United States, or other countries. Your personal information may therefore be processed in Finland or transferred to other locations.
SecurityWe employ a number of technical, organizational, and physical safeguards designed to protect the personal information we collect.
ChildrenThe Services are not intended for use by children under 16 years of age. If we learn that we have collected personal information through the Services from a child under 16 without the consent of the child’s parent or guardian as required by law, we will delete it.
Changes to This Privacy PolicyWe reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the website.
Notice to European Data SubjectsThe information provided in this “Notice to European Users” section applies only to individuals in Europe. Personal information. References to “personal information” in this Privacy Policy are equivalent to “personal data” governed by European data protection legislation. Controller. Onyx Finance is the controller of your personal information covered by this Privacy Policy for purposes of European data protection legislation.
We use your personal information only as permitted by law. Our legal bases for processing the personal information described in this Privacy Policy are shown below.- Processing Purpose
- Legal Basis
- Service delivery
- Support and maintenance
Processing is necessary to perform the contract governing our provision of services in connection with the Services, or to take steps that you request prior to signing up for the Services.
If we have not entered into a contract with you, we process your personal information based on our legitimate interest in providing the services you access and request in connection with the Services.
Processing is also necessary to comply with our legal obligations.Research and DevelopmentThese activities constitute our legitimate interests. We do not use your personal information for these activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
Compliance and protectionThese activities constitute our legitimate interests. We do not use your personal information for these activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
Use for new purposes.We may use your personal information for reasons not described in this Privacy Policy where permitted by law and the reason is compatible with the purpose for which we collected it. If we need to use your personal information for an unrelated purpose, we will notify you and explain the applicable legal basis.
Sensitive personal information.We ask that you not provide us with any sensitive personal information (e.g., information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, criminal background or trade union membership) on or through the website or otherwise to us.
Your Rights
European data protection laws may give you certain rights regarding your personal information. If you are located in Europe, you may ask us to take the following actions in relation to your personal information that we hold:
- Access: Provide you with information about our processing of your personal information and give you access to your personal information.
- Correct: Update or correct inaccuracies in your personal information.
- Delete: Delete your personal information.
- Transfer: Transfer a machine-readable copy of your personal information to you or a third party of your choice.
- Restrict: Restrict the processing of your personal information.Provide you with information about our processing of your personal information and give you access to your personal information.
- Object: Object to our reliance on our legitimate interests as the basis of our processing of your personal information that impacts your rights.
You may submit these requests by email, or by contacting - support@onyxfinance.net
We may request specific information from you to help us confirm your identity and process your request.
Applicable law may require or permit us to decline your request. We will tell you why if we decline your request, subject to legal restrictions.