Financial Ombudsman Service (“us”, “we”, or “our”) operates Financial Ombudsman Service (referred to as “Service” hereinafter). This Privacy Policy governs your interaction with Financial Ombudsman Service and explains how we collect, protect, and disclose information resulting from your use of our Service. Your use of the Service implies your consent to the collection and use of information as per this policy. Unless specifically defined in this Privacy Policy, terms bear the same meanings as in our Terms and Conditions. We collect various types of information for different purposes to enhance and optimize our Service.

While using our Service, we may request certain personally identifiable information that enables us to contact or identify you (“Personal Data”). Personally identifiable information includes, but is not limited to:

1. Email address
2. First name and last name
3. Phone number
4. Address, Country, State, Province, ZIP/Postal code, City
5. Cookies and Usage Data
We may use your Personal Data to send you newsletters, marketing or promotional materials, and other relevant information. If you prefer not to receive these communications from us, you can opt out by contacting us.
We also collect information that your browser automatically sends whenever you visit our Service or access it through any device (“Usage Data”). This Usage Data may include details such as your computer’s Internet Protocol address (e.g., IP address), browser type, browser version, the pages you visit within our Service, the time and date of your visit, the duration of your stay on those pages, unique device identifiers, and other diagnostic data.
To track activity on our Service and gather specific information, we utilize cookies and similar tracking technologies. Cookies are small data files that may contain an anonymous unique identifier and are sent to your device from a website and stored there. Other tracking technologies, such as beacons, tags, and scripts, are also employed to collect and monitor data, enhancing our ability to analyze and improve our Service. You can configure your browser to decline all cookies or notify you when a cookie is being sent. However, refusing cookies may limit your access to certain sections of our Service.
While using our Service, we may also collect the following information: gender, age, date of birth, place of birth, passport details, citizenship, residential and current address, telephone numbers (work, mobile), educational background, qualifications, professional training, employment contracts, NDA agreements, details regarding bonuses and compensation, marital status, family information, social security (or other taxpayer identification) number, office location, and additional data. Your information, including Personal Data, may be transferred to and maintained on computers located outside your state, province, country, or other governmental jurisdiction, which may have different data protection laws. If you are located outside of Israel and choose to provide information to us, please note that we transfer and process your data in Israel. By consenting to this Privacy Policy and submitting your information, you agree to this data transfer. Action Refund Ltd takes all reasonable steps to ensure the secure and compliant handling of your data, and no transfer of your Personal Data will occur to an organization or country unless there are adequate controls in place, ensuring the security of your data and personal information.

We may disclose personal information that we collect or that you provide to us under certain circumstances:

1. Disclosure for Law Enforcement: We may be obligated to disclose your Personal Data if required by law or in response to valid requests from public authorities.
2. Business Transaction: In the event of a merger, acquisition, or asset sale involving us or our subsidiaries, your Personal Data may be transferred.
3. Other Scenarios: Your information may also be disclosed:
3.1. To our subsidiaries and affiliates.
3.2. To contractors, service providers, and other third parties we engage to support our business.
3.3. To fulfill the purpose for which you provided the information.
3.4. For any other purpose disclosed by us at the time you provide the information.
3.5. With your consent in any other instances.
3.6. If we believe disclosure is necessary to protect the rights, property, or safety of the Company, our customers, or others.

Your Data Protection Rights Under General Data Protection Regulation (GDPR) If you are a resident of the European Union (EU) and European Economic Area (EEA), you possess certain data protection rights as per the GDPR. We endeavor to facilitate your ability to correct, amend, delete, or limit the use of your Personal Data. Kindly note that we may request verification of your identity before addressing such requests. Please be aware that we may be unable to provide the Service without essential data. You retain the right to lodge a complaint with a Data Protection Authority regarding our collection and use of your Personal Data. For more information, we encourage you to contact your local data protection authority in the European Economic Area (EEA).

---