Legal Disclaimer

TERMS & CONDITIONS

We are Ezra and we power global aid through technology. Ezra partners with various organizations to enable a positive impact on the lives of individuals in vulnerable communities through digital and financial inclusion.

By using our website operating under domain ‘www.Ezra.org’ (“Website”) you agree to be bound by the following Terms of Use (“Terms”). We may modify these Terms at any time at our sole discretion, and such modifications shall be effective as indicated in the modified Terms. You shall review the Terms periodically to be aware of such modifications. If you continue to access or use the Website, you confirm that you accept the modified Terms.

Using Our Website

You can use our Website to: (i) search for information regarding Ezra and our initiative, or (ii) to contact us and engage in a partnership with Ezra.

Our Content

Any content, including, but not limited to, information, communications, software, images and sounds contained on or available through the Website, is provided by Ezra, our providers or third-party licensors. The intellectual property rights to or over the contents available on the Website are owned by Ezra, our providers and/or third-party licensors. All rights are reserved.

You cannot reproduce, modify, transfer, distribute, republish, download, post or transmit any content available on the Website in any form or by any means including but not limited to electronic, mechanical photocopying or recording without the prior written consent of Ezra. Without prejudice to the foregoing, you agree that the material and content contained on or available via the Website may not be used for commercial purposes or distributed commercially.

Your access to or use of the Website should not be construed as granting, by implication, estoppel or otherwise, any license or right to use the trademarks, trade names or logotypes available on the Website. This can be done only based on Ezra’s prior written consent. You may not use any of such trademarks, trade names or logotypes as hyperlinks to the Website. This can be done only based on Ezra’s prior written consent.

You may not modify, translate, decompile, disassemble, reverse engineer or otherwise attempt to derive the source code for the computer systems and other technology that operate the Website or create derivative works based on the Website. For purposes of the Terms, “reverse engineering” shall include the examination or analysis of the Website to determine the source code, structure, organization, internal design, algorithms or encryption devices of the Website’s underlying technology.

Permitted Use

When using our Website you must follow these Terms and any policies made available to you related to the Website. You shall only use the Website for lawful purposes and in accordance with the Terms and all applicable laws and regulations. You understand that you are responsible for any content that you post or transmit on or through the Website.

You are responsible for any content, which you post or transmit on or via the Website. In particular, you shall not use the Website to post, transmit, distribute, link to, or solicit materials that:

  • are inappropriate, indecent, abusive, threatening, defamatory, obscene, profane, infringing or unlawful in any jurisdiction;
  • contain any advertising and/or promotional content;
  • contain any harmful, disruptive or deleterious programs such as viruses, Trojan horses, time bombs, worms;
  • violate or infringes any laws, regulatory requirements or codes applicable in Singapore;
  • infringe or violate any copyright, trademark or any other intellectual property, personal or proprietary rights of any person, or violates any obligation of confidence or any other proprietary right;

You shall not use any robot, spider, or other automatic or manual device or process to monitor or copy the Website or any portion thereof without our express, prior, written permission.

You shall not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website, or any part thereof to impose an unreasonable or disproportionately large load on the servers serving the Website.

Ezra shall have the right (but not the obligation) in its sole discretion to monitor all transmissions and to monitor, refuse or remove and disable from the Website any content links to, or frames of any site containing inappropriate, profane, defamatory, abusive, threatening, obscene, indecent infringing or unlawful topics, names, material or information, or any material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity right. Without limiting the foregoing, Ezra shall have the right to remove any content that violates these Terms or is otherwise objectionable.

Third Party Hyperlinks

The Website may contain hyperlinks to websites which are not maintained or controlled by Ezra. The hyperlinks may contain content posted on or via the Website by third parties. Ezra shall not be responsible for any errors or omissions in any content in the Website, or the content, products or services of any hyperlinked website or any hyperlink contained in a hyperlinked website, nor for the privacy and security practices implemented by these other website, and shall not be liable for any loss or damage of any kind incurred as a result of the use of any content posted or contained in e-mails or otherwise transmitted or displayed via the Website, or arising from access to those websites. Use of the Website and any hyperlinks and access to such hyperlinked websites are entirely at your own risk.

You agree that caching, hyperlinking to, and framing of the Website or any of the contents are strictly prohibited.

Ezra reserves all rights to disable any links to, or frames of any site containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights.

Indemnity

You agree to indemnify, defend and hold harmless Ezra, its directors, officers, employees, suppliers, licensors, agents, and any third party content providers, from and against any losses, damages, claims, costs, expenses, demands, and actions, due to or arising out of your use of the Website, your access or connection to the Website your violation of these Terms, or your violation of any rights of another. These obligations will survive any termination of your relationship with Ezra or your use of the Website. Ezra reserves the right to assume the defense and control of any matter subject to indemnification by you, in which event you will cooperate with Ezra in asserting any available defenses.

Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis and you accept that your access or use of the Website (or any part thereof) are at your own risk. Ezra makes no warranty that: (i) the Website will always be accessible or will meet your requirements, (ii) the information that may be obtained via the Website will be accurate or reliable, (iii) the access to the Website will be uninterrupted, timely, secure, error-free or free from computer virus or other invasive or damaging code and (iv) any errors of the Website will be corrected.

You expressly understand and agree that you assume all responsibility and risk for your use of the Website. Ezra does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the Website or information provided through the Website;

If you downloaded, uploaded or otherwise obtain any content via the Website you do so at your own discretion and risk. You are solely responsible to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided via the Website.

Limitation of Liability

Ezra does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information available on the Website. Without prejudice to the foregoing, and to the fullest extent allowed by the law, in no event shall Ezra shall be held liable for any incidental, consequential, special, punitive or consequential damages, losses, costs or expenses including without limitation loss of revenue or profit (including, but not limited to, loss or corruption of data, goodwill, bargain or opportunity or loss of anticipated savings, or business interruption, or any other loss, whether in an action of contract, negligence or other tortious action), arising out of or in connection with the use of or inability to use the Website delays, inaccuracies or errors in the information available on the Website or provided on or over the Website or downloaded or hyperlinked from the Website.

General Terms

Your access and/or use of this Website is subject to compliance with the Terms and shall be governed by and construed in accordance with the laws of Singapore and you agree to submit to the exclusive jurisdiction of the courts of Singapore.

If any part of these Terms is held to be unenforceable, invalid or illegal for any reason, that provision shall, to the extent permissible, be severed from the Terms, save and except that the remaining provisions shall remain in full force and effect to the extent applicable.

The Terms and any rights, obligations and licenses arising therefrom may not be assigned or transferred by you. Ezra shall have the right to assign or transfer any rights, obligations and licenses arising from the Terms without any restriction.

The Terms are for the benefit of Ezra and its directors, officers, employees, suppliers, vendors, licensors, agents and any third-party content providers to the Website. Each of the individuals or entities shall have the right to assert and enforce any of these provisions against you on their own behalf.

The Terms constitute the entire agreement between Ezra and you and supersede all prior agreements, understandings, writings, proposals, representations and communications, oral or written, whether by you or Ezra, with respect to the subject matter of the Terms.

We are committed to ensure that any content made available via the Website is appropriate for our customers and not offensive. However, if you have any concerns over the content available on this website, please contact us at: info@ezra.org or use the contact details available on the Website.

PRIVACY & COOKIE POLICY

Privacy & Cookie Policy

We are Ezra and we power global aid through technology.  Ezra partners with various organizations to enable a positive impact on the lives of individuals in vulnerable communities through digital and financial inclusion.

This privacy policy (“Policy”) explains how we treat your personal data and protect your privacy when you use our website www.ezra.org (“Website’) to contact us or to learn more about us and our services. By visiting our Website, you agree that Ezra can use your data in accordance with our privacy policies.

Ways we collect your personal information

We collect and use your data for several, different purposes related to your use of the Website. We process your personal data only when applicable laws allow for such processing.

We process your personal data, which you provided to us or which, we collect when you use the Website.

Information we receive form you

If you want to engage with us and you use the contact form available on the Website we may collect your personal information.

Information we get from your use of our Website

We may collect information on how you use the Website, as it applies to advertising and content specific promotions (for more information please see the information about cookie files below).

How we use your information

  • To respond to your requests. We will use your information provided by you via the Website’s contact form to engage in a relationship with you, to validate your identity or residence (e.g., if you contact us for information about a potential partnership or want to exercise your rights related to personal data processing).
  • For research and analytics. We will use your information to analyze how you view our services and to evaluate individual and collective use of our Website and interest in our services.

Please note that we may combine information that we collect about you (including automatically collected information, described below) with other information we obtain about you, and use such combined information in accordance with this Policy.

We also aggregate and/or anonymize information collected through the Website. We use anonymized and/or aggregated data for any purpose, including without limitation for research and marketing purposes.

What is the legal basis for processing of your personal data

We process your personal data on the following legal grounds:

Legitimate Interests. We process your personal data to fulfil our legitimate interests in commercial activities in ways that are not overridden by your interests or fundamental rights and freedoms, e.g.: (i) customer service, (ii) protecting our customers, personnel and property, and (iii) managing legal or regulatory issues

Legal Compliance. In some cases, we are obliged to process personal data to comply with our legal obligations.

Your Consent. We process personal data on the basis of consent, which you can always withdraw.

Performance of a contract with you. We process your personal data based on our Terms & Conditions applicable to your use of our Website. In case your personal data are collected from the European Economic Area, performance of the contract with you is also the legal basis for transfer of your personal data to Singapore.

How we share your information

We may disclose your data: (i) to our vendors that work on our behalf, (ii) if we are required to do so by law or for any legal proceedings or by law enforcement or other entities that present valid legal process or in our discretion, unless otherwise prohibited by law, to protect human safety, our rights or the rights of others, and to prevent fraud, (iii) to meet certain legal compliance requirements (e.g., anti-money laundering laws), (iv) to enforce the Policy or other contracts with you, including investigation of potential violations thereof, and (v) as part of a sale or merger of our business assets, including in contemplation of such transactions (e.g. due diligence).

 

We may disclose aggregate, anonymous, or de-identified information about users for research, compliance, promotional or other purposes.

We may disclose your personal information to our authorized employees or agents insofar as reasonably necessary for the purposes set out in this privacy policy.

In addition, we may disclose your personal information to third parties whose links are available on our Website based on your consent to use of cookies. For more information on our use of cookies, please see Cookie files section below.

How long do we keep your data

We keep your personal data as long as it is necessary to fulfil the purposes for which we collected it. We will retain your personal data processed on the basis of (i) a legitimate interest pursued by us, for the period necessary to fulfil the purposes for which we collected the personal data or until you object the processing, (ii) a necessity to comply with our legal obligation, for the period necessary to comply with a legal obligation (e.g. under tax or accounting regulations), (iii) your consent, for the period necessary to fulfil the purposes for which we collected the personal data or until you withdraw your consent.

Your rights

You may have certain rights in respect of information that identifies you as defined by applicable laws:

  • right to access your personal data – right to demand an access into your personal data processed by us and to request a copy of your personal data being processed by us
  • right to rectify your personal data – right to have incorrect or incomplete personal data corrected
  • right to erase your personal data – where legally envisaged you may have the right to have your personal data deleted under certain circumstances. In specific cases, the right to deletion may be excluded
  • right to restriction of the processing – under certain conditions, you may have the right to demand restriction of the processing of your personal data
  • right to data portability – under certain circumstances, you may have the right to get the personal data that was provided to us by you free of charge in a machine-readable format
  • right to object to processing – right to object to processing on grounds relating to your particular situation that may be applicable where your personal data is processed on the legal basis of our legitimate interest
  • right to lodge a complaint with the supervisory authority – right to appeal to a competent supervisory authority against the method of the processing of your personal data
  • right to withdraw your consent –right to revoke your consent at any time, without affecting the lawfulness of processing based on your consent before withdrawal

You may exercise your rights by contacting us at

Cookie files

A cookie is a small file containing letters and numbers that can be stored by your browser on your computer’s hard drive. They are created when you access certain websites. Cookie files collect standard log information and visitor’s behavior in an anonymous form. They allow a website to recognize users when they return to a website. We use the following cookie files on the Website (depending on the category):

Duration

  • session cookie files are temporary and expire once you close your browser (or once your session ends)
  • persistent cookie files remain on your device until you erase them, or your browser does (depending on the cookie file’s expiration date)

Source

  • first-party cookie files are placed on your device directly by the website you are visiting
  • third-party cookie files are set by a website other than the one you are currently on

 

 

Purpose

  • strictly necessary cookie files are essential for you to browse the website and use its features, such as accessing secure areas of the website. They allow e.g. to hold your items in your cart while you are shopping online
  • functionality cookie files allow a website to remember choices you have made in the past, like what language you prefer, what region you would like weather reports for, or what your username and password are so you can automatically log in
  • statistics cookie files collect information about how you use a website, e.g. which pages you visited and which links you clicked on. They allow to improve website functions
  • marketing cookie flies collect information about your online activity to help deliver more relevant advertising or to limit how many times you see an ad

What information do we collect

We collect: (i) your IP addresses,(ii) location information, (iii) unique device identifiers, (iv) IMEI number, and (v) other information about your computer or device(s), browser types, browser language, operating system, mobile device carrier information, the state or country from which you accessed the Website.

We may also collect information about how you interact with the Website, e.g. when you exit web pages and URLs, platform type, the number of clicks, domain names, landing pages, pages and content viewed and order of viewing them, statistical information about the use of the Website, the amount of time spent on particular pages, the date and time you used the Website, the frequency of your use of the Website, error logs, and other similar information.

We also may include pixels or beacons in email messages, newsletters and other electronic communications to determine whether the message has been opened and for other analytics, personalization and advertising. As we adopt additional technologies, we may also gather additional information through other methods.

Third party technologies

LinkedIn. Our Website uses plug-ins to LinkedIn, service provided by LinkedIn Ireland Unlimited Company (Wilton Plaza, Wilton Pl, Saint Peter’s, Dublin, 2, Ireland). LinkedIn plug-ins can be recognized by a dedicated LinkedIn logo visible on the Website, which is a hyperlink to Ezra’s LinkedIn profile. Clicking on the plug-in redirects you to Ezra’s profile on LinkedIn and information related to the use of such a plug-in will be forwarded to LinkedIn Ireland Unlimited Company. More information about the processing of personal data by LinkedIn Ireland Unlimited Company are available here.

Twitter. Our Website uses plugins to Twitter, service provided by Twitter International Company (One Cumberland Place, Fenian Street Dublin 2, D02 AX07 Ireland). Twitter plug-ins can be recognized by a dedicated Twitter logo visible on the Website, which is a hyperlink to Ezra’s Twitter profile. Clicking on the plug-in redirects you to Ezra’s profile on Twitter and information related to the use of such a plug-in will be forwarded to Twitter International Company. More information about the processing of personal data by Twitter International Company are available here.

What cookie files do we use

Our Website uses the following cookie files:

 

NAME PURPOSE RETENTION SOURCE
NECESSARY
PHPSESSID Preserves user session state across page requests. 23 days ezra.org
ezra.org
STATISTICS
_ga Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 2 years ezra.org
2 years ezra.org
_gat Used by Google Analytics to throttle request rate. 1 day ezra.org
_gat 1 day ezra.org
_gid Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 1 day ezra.org
1 day ezra.org
Collect Used to send data to Google Analytics about the visitor’s device and behavior. Tracks the visitor across devices and marketing channels. Session google-analytics.com
MARKETING
r/collect This cookie is used to send data to Google Analytics about the visitor’s device and behavior. It tracks the visitor across devices and marketing channels. Session doubleclick.net

 

Changing cookie files’ settings

You can change your settings for use of cookie files via your web browser’s setting (available via hyperlinks below):

Please note that blocking cookies, you may not have access to certain features or offerings of the Website.

General

We reserve the right to update the practices described in this Policy at any time. Please check here periodically. If we make any material changes, we will notify you as required by law.

 

Information we receive form you

If you want to engage with us and you use the contact form available on the Website we may collect your personal information.

Information we get from your use of our Website

We may collect information on how you use the Website, as it applies to advertising and content specific promotions (for more information please see the information about cookie files below).

How we use your information

  • To respond to your requests. We will use your information provided by you via the Website’s contact form to engage in a relationship with you, to validate your identity or residence (e.g., if you contact us for information about a potential partnership or want to exercise your rights related to personal data processing).
  • For research and analytics. We will use your information to analyze how you view our services and to evaluate individual and collective use of our Website and interest in our services.

Please note that we may combine information that we collect about you (including automatically collected information, described below) with other information we obtain about you, and use such combined information in accordance with this Policy.

We also aggregate and/or anonymize information collected through the Website. We use anonymized and/or aggregated data for any purpose, including without limitation for research and marketing purposes.

What is the legal basis for processing of your personal data

We process your personal data on the following legal grounds:

Legitimate Interests. We process your personal data to fulfil our legitimate interests in commercial activities in ways that are not overridden by your interests or fundamental rights and freedoms, e.g.: (i) customer service, (ii) protecting our customers, personnel and property, and (iii) managing legal or regulatory issues

Legal Compliance. In some cases, we are obliged to process personal data to comply with our legal obligations.

Your Consent. We process personal data on the basis of consent, which you can always withdraw.

Performance of a contract with you. We process your personal data based on our Terms & Conditions applicable to your use of our Website. In case your personal data are collected from the European Economic Area, performance of the contract with you is also the legal basis for transfer of your personal data to Singapore.

How we share your information

We may disclose your data: (i) to our vendors that work on our behalf, (ii) if we are required to do so by law or for any legal proceedings or by law enforcement or other entities that present valid legal process or in our discretion, unless otherwise prohibited by law, to protect human safety, our rights or the rights of others, and to prevent fraud, (iii) to meet certain legal compliance requirements (e.g., anti-money laundering laws), (iv) to enforce the Policy or other contracts with you, including investigation of potential violations thereof, and (v) as part of a sale or merger of our business assets, including in contemplation of such transactions (e.g. due diligence).

We may disclose aggregate, anonymous, or de-identified information about users for research, compliance, promotional or other purposes.

We may disclose your personal information to our authorized employees or agents insofar as reasonably necessary for the purposes set out in this privacy policy.

In addition, we may disclose your personal information to third parties whose links are available on our Website based on your consent to use of cookies. For more information on our use of cookies, please see Cookie files section below.

How long do we keep your data

We keep your personal data as long as it is necessary to fulfil the purposes for which we collected it. We will retain your personal data processed on the basis of (i) a legitimate interest pursued by us, for the period necessary to fulfil the purposes for which we collected the personal data or until you object the processing, (ii) a necessity to comply with our legal obligation, for the period necessary to comply with a legal obligation (e.g. under tax or accounting regulations), (iii) your consent, for the period necessary to fulfil the purposes for which we collected the personal data or until you withdraw your consent.

Your rights

You may have certain rights in respect of information that identifies you as defined by applicable laws:

  • right to access your personal data – right to demand an access into your personal data processed by us and to request a copy of your personal data being processed by us
  • right to rectify your personal data – right to have incorrect or incomplete personal data corrected
  • right to erase your personal data – where legally envisaged you may have the right to have your personal data deleted under certain circumstances. In specific cases, the right to deletion may be excluded
  • right to restriction of the processing – under certain conditions, you may have the right to demand restriction of the processing of your personal data
  • right to data portability – under certain circumstances, you may have the right to get the personal data that was provided to us by you free of charge in a machine-readable format
  • right to object to processing – right to object to processing on grounds relating to your particular situation that may be applicable where your personal data is processed on the legal basis of our legitimate interest
  • right to lodge a complaint with the supervisory authority – right to appeal to a competent supervisory authority against the method of the processing of your personal data
  • right to withdraw your consent –right to revoke your consent at any time, without affecting the lawfulness of processing based on your consent before withdrawal

You may exercise your rights by contacting us at info@ezra.org.

Cookie files

A cookie is a small file containing letters and numbers that can be stored by your browser on your computer’s hard drive. They are created when you access certain websites. Cookie files collect standard log information and visitor’s behavior in an anonymous form. They allow a website to recognize users when they return to a website. We use the following cookie files on the Website (depending on the category):

Duration

  • session cookie files are temporary and expire once you close your browser (or once your session ends)
  • persistent cookie files remain on your device until you erase them, or your browser does (depending on the cookie file’s expiration date)

Source

  • first-party cookie files are placed on your device directly by the website you are visiting
  • third-party cookie files are set by a website other than the one you are currently on

Purpose

  • strictly necessary cookie files are essential for you to browse the website and use its features, such as accessing secure areas of the website. They allow e.g. to hold your items in your cart while you are shopping online
  • functionality cookie files allow a website to remember choices you have made in the past, like what language you prefer, what region you would like weather reports for, or what your username and password are so you can automatically log in
  • statistics cookie files collect information about how you use a website, e.g. which pages you visited and which links you clicked on. They allow to improve website functions
  • marketing cookie flies collect information about your online activity to help deliver more relevant advertising or to limit how many times you see an ad
What information do we collect

We collect: (i) your IP addresses,(ii) location information, (iii) unique device identifiers, (iv) IMEI number, and (v) other information about your computer or device(s), browser types, browser language, operating system, mobile device carrier information, the state or country from which you accessed the Website.

We may also collect information about how you interact with the Website, e.g. when you exit web pages and URLs, platform type, the number of clicks, domain names, landing pages, pages and content viewed and order of viewing them, statistical information about the use of the Website, the amount of time spent on particular pages, the date and time you used the Website, the frequency of your use of the Website, error logs, and other similar information.

We also may include pixels or beacons in email messages, newsletters and other electronic communications to determine whether the message has been opened and for other analytics, personalization and advertising. As we adopt additional technologies, we may also gather additional information through other methods.

Third party technologies

LinkedIn. Our Website uses plug-ins to LinkedIn, service provided by LinkedIn Ireland Unlimited Company (Wilton Plaza, Wilton Pl, Saint Peter’s, Dublin, 2, Ireland). LinkedIn plug-ins can be recognized by a dedicated LinkedIn logo visible on the Website, which is a hyperlink to Ezra’s LinkedIn profile. Clicking on the plug-in redirects you to Ezra’s profile on LinkedIn and information related to the use of such a plug-in will be forwarded to LinkedIn Ireland Unlimited Company. More information about the processing of personal data by LinkedIn Ireland Unlimited Company are available here.

Twitter. Our Website uses plugins to Twitter, service provided by Twitter International Company (One Cumberland Place, Fenian Street Dublin 2, D02 AX07 Ireland). Twitter plug-ins can be recognized by a dedicated Twitter logo visible on the Website, which is a hyperlink to Ezra’s Twitter profile. Clicking on the plug-in redirects you to Ezra’s profile on Twitter and information related to the use of such a plug-in will be forwarded to Twitter International Company. More information about the processing of personal data by Twitter International Company are available here.

What cookie files do we use

Our Website uses the following cookie files:

NAME PURPOSE RETENTION SOURCE
NECESSARY
PHPSESSID Preserves user session state across page requests. 23 days ezra.org
ezra.org
STATISTICS
_ga Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 2 years ezra.org
2 years ezra.org
_gat Used by Google Analytics to throttle request rate. 1 day ezra.org
_gat 1 day ezra.org
_gid Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 1 day ezra.org
1 day ezra.org
Collect Used to send data to Google Analytics about the visitor’s device and behavior. Tracks the visitor across devices and marketing channels. Session google-analytics.com
MARKETING
r/collect This cookie is used to send data to Google Analytics about the visitor’s device and behavior. It tracks the visitor across devices and marketing channels. Session doubleclick.net

 

Changing cookie files’ settings

You can change your settings for use of cookie files via your web browser’s setting (available via hyperlinks below):

Please note that blocking cookies, you may not have access to certain features or offerings of the Website.

General

We reserve the right to update the practices described in this Policy at any time. Please check here periodically. If we make any material changes, we will notify you as required by law.

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