Terms of use

By using this site, you agree to the applicability of these Terms of Use of our website. We note that these Terms of Use may be changed over time. Users of the site are advised to regularly read the Terms of Use for possible changes.

1° GENERAL

COWA is entitled to all rights on this website. In this website we may at times use “COWA”, “Group”, “company”, “we”, or “us” in referring to COWA

NO WARRANTIES AND DISCLAIMER

COWA will use reasonable efforts to provide up-to-date and accurate information on and via this website whether in nature of data, recommendations, services or otherwise (“Information”); COWA EXPRESSLY DISCLAIMS ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO THE ACCURACY, CURRENCY, COMPLETENESS AND/OR THE MERCHANTABILTY OR FITNESS FOR A PARTICULAR PURPOSE OF (INCLUDING BUT NOT LIMITED TO) ANY INFORMATION CONTAINED ON OR PROVIDED VIA THIS WEBSITE AND/OR ANY PRODUCT DESCRIBED OR PROMOTED ON THIS WEBSITE.

FINANCIAL INFORMATION

This website may include financial Information. This financial Information is for general information purposes only. COWA shall not be liable for damages resulting from any lack of continuous accuracy or correctness of such financial Information. The publication of financial Information, including but not limited to annual reports or annual accounts, on this website does not constitute an official publication and is not binding.

FORWARD-LOOKING STATEMENTS

This website may contain forward-looking statements with respect to COWA’s future (financial) performance and position. Such statements are based on current expectations, estimates and projections of COWA and information currently available to the company. COWA cautions that such statements involve certain risks and uncertainties that are difficult to predict and therefore it should be understood that many factors can cause the company’s actual performance and position to differ materially from these statements. COWA has no obligation to update the statements contained in this document, unless required by law.

LIABILITY

COWA shall not be liable for any damages or injury of any kind resulting from your access to, or inability to access, this website, nor from your reliance on any Information provided on or via this website, including but not limited to viruses that may infect your computer equipment, software or data, unless such damage is the result of any willful misconduct or from negligence on the part of COWA. COWA shall further not be liable for damages resulting from the use of electronic means of communication, including – but not limited to – damages resulting from failure or delay in delivery of electronic communications, interception, or manipulation of electronic communications by third parties or by computer programs used for electronic communications and transmission of viruses.

INTELLECTUAL PROPERTY

Unless otherwise indicated, all intellectual property rights in this website and all information provided on or via this website (whether in text, images, and other materials, including trademarks) are owned by or have been licensed to COWA. Nothing on this website should be construed as granting any license or right in or to any trademark, patent, or any other intellectual property right of COWA.

COWA permits you to display, store and reproduce material from this website only for personal use or non-commercial and informational purposes, subject to the following conditions: no part of this website may be displayed, distributed or sold for commercial gain or for political purposes; no part of this website may be modified in any respect and the copyright notice (“© 2021 COWA”) must appear on every copy or portion thereof and the date of copying. Permission in writing from COWA is required for any other use of intellectual property contained in this website and all information provided on or via this website and any misuse of its contents is strictly prohibited.

LINKED SITES

This website may provide links or references from or to other external websites. COWA disclaims any responsibility for the content of such other sites. Please be aware that our Privacy and Cookie Statement does not apply to the collection and processing of your data on such other sites. COWA shall not be liable for any damages or injury of any kind arising from your access to, or inability to access or use of such other sites and the information provided thereon, nor from your use of or reliance on any information provided on such other sites. Any links to such other sites are provided merely as a convenience to the users of this website.

APPLICABLE LAW, JURISDICTION

This website can be accessed from various countries around the world. As each of these countries has laws that may differ from those of Cayman Islands, by accessing this website you agree that the laws of Cayman Islands shall apply to all matters arising from or relating to the use and contents of this website or information provided to you via this website. You also agree to submit to the exclusive jurisdiction of the competent courts of Cayman Islands with respect to such matters.

SEVERABILITY

If these website User Terms & Conditions are or become partially void, the parties will continue to be bound by remainder of the same. The parties shall replace the void part by provisions that are valid and have legal effect that correspond with those of the void part as much as possible, taking into account the content and purport of these Terms of Use.

2° COOKIE NOTICE

COWA takes your privacy seriously. This COWA Website and Cookie Notice (“Notice”) applies to users (“you”) of this and other integrated COWA websites (“COWA Websites”) and contains information that COWA and its affiliates collect(s) through these webpages and what we do with that information. As part of our commitment to protect your “Personal Data” we want to inform you in a transparent manner:

why and how COWA collects, uses and stores (“processes”) your Personal Data
how we protect your Personal Data.

WHAT THIS NOTICE COVERS

This Notice applies to any “information” obtained by COWA through your use of COWA Websites and tracking technologies we use It is not applicable to non-integrated COWA websites or any “internet“ websites controlled by third parties not affiliated with COWA that the COWA Websites may link to (“Third Party Sites”). Please review the privacy statements of Third Party Sites as COWA is not responsible for and has no influence on the content or the privacy practices of Third Party Sites. The terms of this Notice are subject to any additional terms of disclaimers or other contractual terms you have entered into with COWA such as client privacy statements or notices, and any applicable laws and regulations.

WHAT TYPE OF INFORMATION IS COLLECTED

We collect the following Information through COWA Websites:

Information that you provide to us, for example:

Personal details, (e.g. name, gender, address, e-mail address, phone/fax number) on a registration page or if you sign up for an email newsletter;
User login and subscription data, e.g. login credentials for COWA Websites;
Other information that you give us by filling in forms, surveys, or by communicating with us, whether face-to-face, by phone, e-mail, online or otherwise.

Information that we collect or generate about you, for example:

Data our server automatically records when you visit COWA Websites e.g. your IP address, the website from which you visit us, the type of browser software used, the COWA Website pages that you actually visit including the date and the duration of your Authentication information;
Cookies, pixels, unique identifiers and other similar technologies to collect and process information from different channels and devices, including devices that you use to interact with us, to recognize you, remember your preferences, tailor the content we provide to you. For details on how we use cookies, please refer to the section below;
Investigations data, e.g. due diligence checks, anti-money laundering checks, content and metadata related to relevant exchanges of information between individuals, organizations;
Records of correspondence and other communication between us e.g. live chats, instant messages and social media communications;
Information that we need to support our regulatory obligations e.g. information about transaction details, purpose of payment, counterparty/beneficiary information, detection of suspicious activities.

Information that we collect from other sources, for example:

Information from third parties or delegated third party service providers e.g. website user information collected through third party application service providers that we have a relationship with, or through cookies, pixels, social plugins, tags and other similar technologies.

PURPOSES OF PROCESSING

We always process your Personal Data for a specific purpose and only process the Personal Data which is relevant to achieve that purpose. In particular, we process Personal Data for the purposes of:

Website Administration. For example, to:

ensure technical administration, research & development for improving our websites and user administration;

Relationship Management. For example, to:

assist you in registration to our events or logins;
allow you to provide feedback;
keep track of your specified preferences such as language, time zone and timeouts after periods of inactivity;
respond to any service issues.

Product implementation and execution. For example, to:

enhance the quality of our products and services and our use of technology.

Engaging in Prospecting and Business Development and / or Protecting and Enhancing the COWA brand. For example, to:

contact you in relation to products and services;
assist with our promotional and marketing efforts;
help us to develop targeted advertising initiatives (including behavioural advertising) where permitted, for instance ads we consider relevant for (groups of) users on external partner websites and media.

Compliance and Risk Management and / or Crime Prevention, Detection and Investigation. For example, to:

perform due diligence or anti-money laundering checks on content and metadata.

HOW IS INFORMATION COLLECTED AND STORED

COWA uses tracking technology such as cookies, pixels, unique identifiers or tags (“Tracking Technologies”) to gather information as outlined above to understand how visitors use the COWA Website.
Tracking Technology helps us to manage and improve the usability of COWA Websites, for example by detecting whether there has been any contact between your device and us in the past and to identify the most popular sections of the COWA Website. We may also use these Tracking Technologies to check your instructions to us, assess, analyse and improve our service, train our staff.
The “Cookies” link at the bottom of the page gives you more details about COWA’s use of cookies, and lets you control which types of cookies COWA Websites may set on your device (known as your “privacy settings”).
When you save your privacy settings, they should also apply to your future visits to COWA Websites. However, for technical reasons beyond COWA’s control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies or access COWA Websites from another browser or device your privacy settings may be lost. To comply with applicable laws and regulations, in some countries you may be asked to confirm your privacy settings when you first visit a COWA Website. In addition, you might be periodically required to re-confirm your settings.
In many cases you can also control Tracking Technologies using your browser. Please ensure that your browser setting reflects whether you wish to be warned about and/or accept Tracking Technologies where possible. The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser.
Refusing, disabling or deactivating of Tracking Technologies may result in a reduced availability of the services.

HOW DO WE PROTECT YOUR PERSONAL DATA

COWA may disclose your information to its affiliates and their agents and third-party service providers inside or outside your country of residence to perform services for COWA and for the purposes stated above. Our affiliates, agents and third-party service providers who have access to Personal Data obtained through COWA Websites are obliged to respect your privacy, comply with legal obligations and adhere to contractual safeguards. When transferring Personal Data internationally we make sure that we comply with applicable laws and regulations, for example, by entering into agreements which will ensure that the recipients of your information maintain an adequate level of data protection. COWA does not transfer your personal data to other third parties. We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in line with any applicable law, regulations, court order or official request, and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as required by applicable law.

TO WHOM DO WE DISCLOSE YOUR INFORMATION COLLECTED

Please note that if you transfer your information to us through an open network such as the internet, such networks are generally not regarded as a secure environment. Information sent via e.g. the internet (such as to or from the COWA Website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than the one in your country of residence. Please note that we accept no responsibility or liability for the security of your information whilst in transit over the internet to COWA. In order to protect your privacy we would like to kindly remind you that you may choose other means of communication with COWA, where you deem it appropriate.

HOW INFORMATION FROM INDIVIDUALS UNDER THE AGE OF 18 IS DEALT WITH

COWA Websites do not seek to collect Personal Data from individuals under the age of 18. Children should obtain parental or legal guardian consent as per the age threshold established by each country (which, for example in the EU, can be between 13 and 16 years depending on the Members State).

CONTACT

If you are not satisfied with any aspect of the processing of your Personal Data by COWA, please let us know and we will investigate your concern by contacting us at: hello@COWAcapital.com

CHANGE TO THIS NOTICE

Any amendment or update to this Notice will be made available to you via www.COWAcapital.com/privacy-policy/ .