DISCLAIMER

Your banking and personal information is valuable.

Identity theft and fraud is common.

When supplying important information validate the identity of who you are supplying the information to, the reason it is required and their confidentially policy.

J.V.Sparrow the global brand in banking is actively in the process of preparing  to expand into retail and commercial banking in many countries globally.

To accept deposits from clients as a traditional banking service requires licensing by the regulatory authorities in the country where such deposits are accepted.

Beware of any person or business claiming to be our agent and who wishes to accept deposits in the name of J.V.Sparrow. 

Our enquiry service will assist you as required and most importantly, be aware of any individual trying to accept deposits in the name of a third party.

This presentation is provided on a strictly private and confidential basis for general information purposes only. 

To the best of our knowledge, all illustrations, photos herein falls under the fair use or public domain guidelines of copyright laws in the United States and International.

We do not assert any claim of copyright for any fact, figure, data or any other content that has been sourced from the public domain. 

We do assert a claim of copyright for our compilations of presentation slides and design.

The photographs and images are intended solely for illustration and reference only. Photos displayed have been obtained thru various web sites and social media outlets. 

Without the express prior written consent of J.V.Sparrow, this Presentation and any information contained within it may not be (i) reproduced (in whole or in part), (ii) copied at any time, (iii) used for any purpose other than your evaluation of J.V.Sparrow or (iv) provided to any other person, except your employees and advisors with a need to know who are advised of the confidentiality of the information.

For avoidance of confusion or misunderstanding, in the United Kingdom, Siroco Banking Group does not have a banking license and does not accept client deposits, provide licensed financial advice or otherwise. Be aware of this fact when dealing with people claiming to act for any of our associated organization.

Last Modified: 04/07/2023

SCOPE OF THIS POLICY

This privacy policy describes the treatment of information provided or collected on the sites and applications where this privacy policy is posted, whether on our digital properties or on applications we make available on third-party sites or platforms. We follow this privacy policy in accordance with applicable law in the places where we operate.  In some cases, we may provide additional data privacy notices specific to certain products, practices, or regions. Those terms are to be read in conjunction with this policy.

Please keep in mind that when you provide information to us on a third-party site or platform (for example, via our applications), the information you provide may be separately collected by the third-party site or platform. The information we collect is covered by this privacy policy, and the information the third-party site or platform collects is subject to the third-party site or platform’s privacy practices. Privacy choices you have made on the third-party site or platform will not apply to our use of the information we have collected directly through our applications. Please also keep in mind that our sites and applications may contain links to other sites not owned or controlled by us and we are not responsible for the privacy practices of those sites. We encourage you to be aware when you leave our sites or applications and to read the privacy policies of other sites that may collect your personal information

WHO WE ARE

J.V.Sparrow, will be the data controller for your information. 

INFORMATION WE COLLECT

We collect two basic types of information – personal information (as defined in this policy) and anonymous information (as defined in this policy) – and we may use personal and anonymous information to create a third type of information, aggregate information (also defined in this policy).   

For example, we collect:

Registration information you provide when you create an account, enter a promotion, or link your profile on a third-party site or platform with your registration account, such as your first name and surname, country of residence, gender, date of birth, email address, username, and password;

Transaction information you provide when you request information, contact; 

Services provided from us, such as your postal address, telephone number, and payment information;

Information you provide in public forums on our sites and applications, such as your public posts;

Information sent either one-to-one or within a limited group using our message, chat, post, or similar functionality, where we are permitted by applicable law to collect this information;

Information we obtain from a third party, such as a site or platform provider, about use of our applications on third-party platforms or devices;

Location information, including location information provided by a mobile or other device interacting with one of our sites or applications (including through beacon technologies), or associated with your IP address, where we are permitted by law to process this information;

Activity information about your use, and the use by any person(s) you authorize through your account, of our sites and applications, such as the content you view or post, how often you use our services, and your preferences; and

Usage, viewing, technical, and device data when you visit our sites, use our applications on third-party sites or platforms, or open emails we send, including your browser or device type, unique device identifier, and IP address;

HOW WE COLLECT YOUR INFORMATION

We collect information you provide to us when you request or purchase products, services, or information from us, register with us (including when you link your profile on a third-party site or platform with your registration account), participate in public forums or other activities on our sites and applications, respond to guest surveys, or otherwise interact with us using one or more devices.  You may provide information in a variety of ways, including by typing or using voice commands.

We collect information through a variety of technologies, such as cookies, Flash cookies, pixels, tags, software development kits, application program interfaces, and Web beacons, including when you visit our sites and applications or use our applications on third-party sites or platforms using one or more devices, whether or not you are logged in or registered. 

We collect information using analytics tools, including when you visit our sites and applications or use our applications on third-party sites or platforms.

We acquire information from other trusted sources to update or supplement the information you provided or we collected automatically, such as when we validate postal address information using third party services. Applicable law may require that you authorize the third party to share your information with us before we can acquire it.

USE OF YOUR INFORMATION BY J.V.SPARROW 

The member(s) of the J.V.Sparrow that is the data controller for your information is responsible for and may use your information for the purposes described in this policy. Other members of J.V.Sparrow may have access to your information where they perform services on behalf of the data controller(s) (as a data processor) and, unless prohibited under applicable law, for use on their own behalf (as a data controller) for the purposes described in this policy.  Consistent with applicable law and choices and controls that may be available to you, we may use information collected from you, or from devices associated with you, to:

Provide you with the experiences, products, and services you request, view, engage with, or purchase;

Communicate with you about your account or transactions with us and send you information or request feedback about features on our sites and applications or changes to our policies;

Send you offers and promotions for our products and services or third-party products and services;

Personalize content and experiences;

Provide you with targeted advertising based on your activity on our sites and applications and on third-party sites and applications;

Operate, understand, optimize, develop, or improve our sites, applications, products, services and operations, including by using guest survey research and analytics tools; and

Detect, investigate and prevent activities that may violate our policies or be illegal.

SHARING YOUR INFORMATION WITH OTHER ENTITIES

We will not share your personal information with a third party outside J.V.Sparrow except in limited circumstances, including:

When you allow us to share your personal information with another company, such as:

Electing to share your personal information with carefully selected companies so that they can send you offers and promotions about their products and services; and

Directing us to share your personal information with third-party sites or platforms, such as social networking sites.

Please note that once we share your personal information with another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.

When we cooperate with financial institutions to offer co-branded products or services to you, we will do so only if permitted by applicable law and, in these cases, the financial institutions are prohibited from using your personal information for purposes other than those related to the co-branded products or services;

When companies perform services on our behalf, like, marketing, advertising, and customer service, these companies are prohibited from using your personal information for purposes other than those requested by us or required by law; and

When we share your personal information with third parties in connection with the sale of a business, to enforce our Terms of Use or rules, to ensure the safety and security of our guests and third parties, to protect our rights and property and the rights and property of our guests and third parties, to comply with legal process, or in other cases if we believe in good faith that disclosure is required by law.

YOUR CONTROLS AND CHOICES

We provide you the ability to exercise certain controls and choices regarding our published data, use and sharing of your information. In accordance with applicable law, your controls and choices may include:

Correcting, updating, and deleting your registration account (Logout);

Choosing or changing your choices for subscriptions, newsletters, and alerts;

Choosing whether to receive from us offers and promotions for our products and services, or products and services that we think may be of interest to you;

Choosing whether we share your personal information with other companies so they can send you offers and promotions about their products and services;

Controlling targeted advertising from many ad networks and partners; data exchanges; and marketing analytics and digital advertising and marketing service providers (by visiting the Digital Advertising Alliance);

Choosing to control targeted advertising you receive within applications by using the settings and choices made available to you through your device(s), for example, by re-setting your device’s advertising identifier and/or opting out of interest based ads;

Requesting removal of your personal information from a public forum on one of our sites or application; and

Requesting access to the personal information we hold about you and that we amend or delete it.

You may exercise these controls and choices in various ways, including by visiting Communication Choices (under the Privacy Controls tab), contacting Guest Services, following instructions provided in communications sent to you, or by using your device or other available settings (for example, by re-setting your device’s advertising identifier and/or opting out of interest based ads). You can opt out of interest based ads by visiting the Digital Advertising Alliance or European Interactive Digital Advertising Alliance or using the opt-out mechanism in the “Interest Based Ads” link in the footer of the site you are visiting.

Please be aware that if you do not allow us to collect personal information from you, we may not be able to deliver certain experiences, products, and services to you, and some of our services may not be able to take account of your interests and preferences. If collection of personal information is mandatory, we will make that clear at the point of collection so that you can make an informed decision whether to participate.  If you have questions about the specific personal information about you that we process or retain, and your rights regarding that personal information, please contact J.V.Sparrow.

DATA SECURITY, INTEGRITY, AND RETENTION

The security, integrity, and confidentiality of your information are extremely important to us. We have implemented technical, administrative, and physical security measures that are designed to protect guest information from unauthorized access, disclosure, use, and modification. We regularly review our security procedures to consider appropriate new technology and methods. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. We will retain your personal information for the length of time needed to fulfill the purposes outlined in this privacy policy unless a longer retention period is required or permitted by law.

DATA TRANSFERS, STORAGE, AND PROCESSING GLOBALLY

We operate globally and may transfer your personal information to individual companies of J.V. Sparrow or third parties in locations around the world for the purposes described in this privacy policy. Wherever your personal information is transferred, stored or processed by us, we will take reasonable steps to safeguard the privacy of your personal information. Additionally, when using or disclosing personal information transferred from the European Union, we use standard contractual clauses approved by the European Commission, adopt other means under European Union law for ensuring adequate safeguards.

CHANGES TO THIS PRIVACY POLICY

From time to time, we may change this privacy policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes, as required by applicable law.

COMMENTS AND QUESTIONS

If you have a comment or question about this privacy policy, please contact J.V.Sparrow.

Last Modified: 4/07/2023

This information is merely intended to be of a general nature and is provided solely for the interest of the reader. We can, therefore, accept no responsibility or liability whatsoever (including liability for any indirect loss or loss of profits or turnover) for any particular material or any result of any use made of material or any reliance placed on any material provided. Any and all information is subject to change without notice.

We accept no liability for the accuracy and completeness of any information provided on this website and the accuracy, completeness, quality, performance or fitness for a particular purpose of any information provided on this site is not guaranteed, and we are neither responsible nor liable for any errors or omissions or any consequences, losses or damages arising from its use.

This website occasionally provides hypertext links to external websites. Such provision does not represent authorization for a user to access information held on that site. We are not responsible for the content, availability or suitability of external sites and provision of a link should not be taken as endorsement of any kind.

Last Modified: 4/07/2023

BROWSER COOKIES 

Are pieces of information that a website places on your device when you visit a website. Cookies may involve the transmission of information from us to you and from you directly to us, to another party on our behalf, or to another party in accordance with its privacy policy. We may use cookies to bring together information we collect about you. You can choose to have your device warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. If you turn cookies off, you won’t have access to many features that make your guest experience more efficient and some of our services will not function properly. Please see the last section of this Cookies Policy for more information about how to manage or disable browser cookies.  We use several categories of cookies and each performs different functions. You can learn more about cookies and their functions generally by visiting an information website like allaboutcookies.org.

FLASH COOKIES

We may use local shared objects, sometimes known as Flash cookies, to store your preferences or display content based upon what you view on our site to personalize your visit. Our advertisers and third-party service providers also may use Flash cookies to collect and store information. Flash cookies are different from browser cookies because of the amount of, type of, and how data is stored. Cookie management tools provided by your browser will not remove Flash cookies. Please see the last section of this Cookies Policy for information on how to disable Flash cookies.

If you disable Flash cookies, you won’t have access to many features that make your guest experience more efficient and some of our services will not function properly.

WHAT CATEGORIES OF COOKIES MAY BE USED?

The cookies that may be used on this website fall into the four categories described below. These descriptions can help you determine if and how you would like to interact with our websites and other online services.

STRICTLY NECESSARY COOKIES

These cookies are essential in order to enable you to navigate this website and use certain features. Without these strictly necessary cookies, the online services you have asked for, like shopping baskets or producing your bill at checkout, cannot be provided.

PERFORMANCE COOKIES

We (or service providers operating on our behalf) may place our performance cookies on your device. The information collected using our performance cookies is used by us or for our benefit, to improve our website experience or for other statistics gathering purposes.

Our performance cookies are used to generate aggregated, anonymous information about how you and other users use this website and its features. For instance, our performance cookies collect information about which pages on this website you visit most often, if you open or read the communications we send, which advertisements you view or interact with on this website or other websites on which our advertisements appear, and if you receive any error messages. The information collected may be used to improve users’ online experience generally, to collate statistics, or customize your online experience by showing you content we think you will like.  Our performance cookies don’t collect information that identifies you personally; however, if you have a registration account with us, the information collected by us using our performance cookies may be associated with your registration account.

We also may allow third-party advertisers to place their performance cookies on your device through their advertisements on this website. The information these third-party performance cookies collect is used to determine which third-party advertisements to display on this website, how often to display them, and in which locations of this websites the third-party advertisements perform best. These third-party performance cookies do not collect information that identifies you personally.

You can delete or manage performance cookies as instructed in the last section of this Cookies Policy.

FUNCTIONALITY COOKIES

We (or service providers operating on our behalf) may place our functionality cookies on your device. We do not share information collected using our functionality cookies with our advertisers or other third parties.

Our functionality cookies are used to remember choices you make (such as language preference, country location, or other online settings) and provide the personalized or enhanced features that you select. Our functionality cookies can be used to provide online services to you, or to prevent online services from being offered to you if you previously indicated you did not want to receive such services. Our functionality cookies collect anonymous information; however, if you have a registration account with us, the information collected by us using our functionality cookies may be associated with your registration account, for example, if you are a registered user, our functionality cookies may allow us to track your browsing across different websites operated by the J.V.Sparrow  or to detect your experiences when accessing our websites from different devices. We do not collect information on your browsing behavior on websites which we do not operate.

In some cases, we may allow an advertiser or other third party to provide you with content and other online experiences on this website or online service. In these cases, the third-party may place their functionality cookies on your device and use their functionality cookies in the same way we use our functionality cookies, to provide you personalized or enhanced features in connection with the third-party content or experience.

If you delete these functionality cookies, any preferences or settings you selected will not be retained for later visits.

TARGETING OR ADVERTISING COOKIES

Where you see third-party advertising or our advertising, you can click through to learn more about behaviorally targeted advertising, including how to exercise your control options through your browser settings. More information can be found at www.youronlinechoices.eu.

THIRD-PARTY TARGETED ADVERTISING

Third-party targeted advertising cookies may be placed on your device by third-party advertisers, ad networks, data exchanges, marketing analytics and other service providers.

Third-party targeted advertising cookies collect information about your browsing activity across multiple websites and online services in order to provide you with relevant advertisements on our websites and online services and the websites and online services of third parties. Ad networks may share this information with the advertisers using their network. These cookies may also be used to measure the effectiveness of advertising campaigns, for example by collecting data on how many people click on a particular advert. The information collected using these third-party advertising cookies does not identify you personally.  Third-party targeted advertising cookies are often linked to site functionality provided by the third-party which may mean that clicking on the advertisement redirects you to that third-party’s website.

We cannot always know what third-party advertising cookies are being dropped before they appear on our website.  We maintain processes to monitor cookies placed on our websites by external service providers and to control the way in which data is collected via our websites. We can also request that certain third-party advertising cookies are turned off by the third-party provider.

OUR TARGETED ADVERTISING

Our targeted advertising cookies are placed on your device by us (or service providers operating on our behalf).

We may use these cookies on our websites and in connection with our content and advertisements that appear on third-party websites and online services to recognize that you’ve viewed or interacted with our content or advertisements and so we can show you advertisements for products that we believe will be of interest to you. 

We may also use these cookies to limit the number of times you see the same advertisement. Our targeted advertising cookies collect anonymous information; however, if you have a registration account with us, the information collected by us using our targeted advertising cookies may be associated with your registration account, for example, we may seek to show more closely targeted adverts to you based on your browsing behavior.

The organization setting the cookie (either the third party or us) is responsible for obtaining consent.

REGISTERED GUESTS

We may analyze online activities of registered guests across our websites and online services by use of cookies and other tracking technologies. Where you have opted in to receive communications from us, we may use cookies and other tracking technologies to tailor future communications to reflect your interests.

We may also use cookies or other tracking technologies within our communications to you (for example to see if they have been read or opened or to see what content you interact with and what links you follow) so that we can better match future communications to your interests.

You may opt out at any time from receiving targeted communications from us by logging into your registration account and selecting not to receive marketing communications. To opt out of targeted advertising based on your online behavior across this and other websites please follow the instructions provided above (for targeted advertising).  We will not share your contact information with our third-party advertisers unless you give us permission.

DISABLING/ENABLING COOKIES VIA YOUR BROWSER

There are a number of ways for you to manage cookies and other tracking technologies. Through your browser settings, you can accept or decline cookies or set your browser to prompt you before accepting a cookie from the websites you visit. You should be aware that you may not be able to use all our interactive features if you set your browser to disable cookies entirely.

If you use different computers in different locations you will need to ensure that each browser is adjusted to suit your preferences.

You can delete any cookies that have been installed in the cookie folder of your browser. The various browsers provide different procedures to manage your settings. Click on any of the browser links below for instructions.

• Microsoft Windows Explorer

• Google Chrome

• Mozilla Firefox

• Apple Safari

If you are not using any of the above-listed browsers, then you should select “cookies” in the “Help” function for information on where to find your cookie folder.

It may not be possible for you to selectively opt out of all third-party advertising cookies placed on our website, though you can opt out of receiving cookies from us by clicking this icon . You should also be aware that disabling cookies does not disable other types of analytics products which we may use to collect generic information about how you and other visitors use our website.

DELETING FLASH COOKIES

Change your settings in relation to Flash Cookies. •• 

Select Disable Flash