Insights from Money 20/20 Amsterdam: Fintech & Innovation

GENERAL TERMS OF USE

1. Subject

These Terms of Use (“Terms”) govern the relationship between BUL STREAM Ltd., a company registered under the Commercial Law of the Republic of Bulgaria with UIC: 206539615, registered office: Republic of Bulgaria, postal code: 1404, Sofia Province, Sofia Municipality, Sofia, bul. Bulgaria 81 V, fl.5, office III-А2 (hereinafter referred to as the “Provider"), on the one hand, and any person (hereinafter referred to as the “User”) visiting the website valivalcommerce.com (hereinafter referred to as the “Website”), and collectively referred to as the “Parties”. The Parties agree that their relationship shall be governed exclusively by these Terms. The Terms are subject to change, and in this regard the applicable Terms are those in effect at the time you visit the Website.

2. Features of the Website

This Website is an electronic presentation platform through which Users have the opportunity to learn about the products and services offered by BUL STREAM Ltd., including: To send inquiries through the contact forms on the Website; To view products and services, their features and prices; To receive information about new services or other products offered through the Website;

3. User Conduct

Users of the Website understand that any information, data, posted opinions and comments, text, software, music, sound, photographs or any other materials (collectively, “Content”) that are in the public domain or confidential through the use of the Website are the sole responsibility of the User who generated such Content.

Users agree NOT to use the Website to:

formulate, send or otherwise transmit Content that is unlawful, harmful, threatening, abusive, harassing, injurious, defamatory, vulgar, obscene, defamatory, invasive of the privacy of others or racially, ethnically or otherwise objectionable;

create promotional content for goods and services outside the Website, and post Internet addresses linking to pages and services outside the Website, except where expressly permitted;

impersonate a person or group of people, including but not limited to: Provider representative, manufacturer representative, etc., and otherwise misrepresent their identity;

forge headers or otherwise manipulate identificationa means to mask the origin of a Content transmitted through the Website;

formulating, sending, publishing, or otherwise transmitting Content that they are not entitled to transmit by law or as a result of other contractual or confidential relationships (such as inside information, confidential information, or proprietary information obtained as a result of a rental relationship or that is subject to non-disclosure agreements);

formulating, transmitting, publishing or otherwise communicating content that infringes any patent, trademark, copyright or other proprietary right of any party;

formulating, sending, posting or otherwise transmitting unauthorized advertising materials, unsolicited commercial messages (spam), “chain letters”, alias redirected subdomains, “pyramid schemes” or other forms of solicitation;

formulating, sending, posting, or otherwise transmitting materials containing computer viruses or other computer codes, files, or programs designed to interrupt, disrupt, or limit the operation of computer software, hardware, or telecommunications equipment;

disrupting the normal operation of other users of the Website;

interfering with the provision of the Website services or disrupting the operation of servers or networks connected to the services, failing to comply with the requirements, procedures, policies, or regulations of the networks related to the Website;

intentionally or unintentionally violating local, national or international laws;

stalking or otherwise harassing another User;

or improperly collecting or using personal information about other Users.

The Provider reserves the right to restrict and/or deny access to the Website to Users who violate the above-listed requirements once or systematically.

The Provider reserves the right to edit and remove information provided by the User in violation of the above requirements.

4. Copyright and related restrictions

The Provider authorizes the Users to use all services provided through the Website for personal, non-commercial use only, provided that the copyright of the Provider or third parties directly or indirectly related to the materials on the Website is not infringed. No material on the Website may be altered in any way, nor copied, publicly distributed or given away for any public or commercial purpose. The use of material published on the Website on other websites or on other sources is prohibited.

The materials on this Website are protected by the Bulgarian Copyright and Related Rights Act and any unauthorized use may constitute copyright infringement. The Provider reserves the right to transfer the rights to publish materials and any parts of the information on the Website to third parties, subject to a further agreement governing the rights and obligations in writing between the Provider and the person publishing the information.

5. Links to and from the Website

Owners of websites and pages outside the Website are entitled to create links to any page on the Website subject to the following conditions:

the link may lead to the page, but not copy its content.

not indicating, explicitly or implicitly, that the Website recommends it and/or its products and services;

not giving false or misleading information about the Website products and/or services.

By creating a link to the Website, the website owners declare that they accept these Terms, even if they do not use the Website’s services.

Owners of websites and pages outside the Website are not allowed to create links to images, multimedia samples and other content, but only to the pages providing this content.

The links provided on the Website to other websites owned by third parties are published solely for the convenience of the Users. By using such a link, the Users are not using a service provided by the Website and these Terms will cease to have effect following the use of the link. The Provider has no control over those websites to which it has placed a link and is no liable for any of it and/or their content.

Thus, the Provider in no way imposes or recommends these websites or the information published on them. Visiting and all risks associated with visiting such website are the sole responsibility of the User.

6. Applicable Law and Disputes

These Terms of Use are subject to Bulgarian law.

All disputes between the parties shall be resolved in a spirit of understanding and goodwill. In the event that no agreement is reached, any unresolved disputes arising out of or relating to the agreement between the parties, including disputes arising out of or relating to its interpretation, invalidity, performance or termination, shall be resolved by the competent court designated under the provisions of the legislation of the Republic of Bulgaria.

The User is informed of the possibility to resort, in case of a dispute, to a conciliation commission under the Consumer Protection Act, a mediation procedure, the EU Online Dispute Resolution or another alternative dispute resolution method.

7. Others

The Provider does not warrant the accuracy, completeness, correctness or nature of the Content sent and distributed through the Website.

The Provider also does not guarantee that materials or services on this Website are appropriate or available outside of Bulgaria and, accordingly, access to them from territories where their content is illegal is not permitted.

The Provider shall have the right to change the technology and design of the services provided without prior notice.

Given the international nature of the Internet network and that the Website is connected to this network, the Provider cannot guarantee that the flow of information to and from the Website will not be monitored and recorded by third parties.

Offering information society services to children is lawful if the child is 16 years or older. If the child is under 16 years old, such processing is lawful only if and to the extent that such consent is given or authorized by the person holding parental responsibility for the child.

8. Amendments and Entirety of the Terms

These Terms consist of all of the clauses that comprise them. Failure to refer to any of these provisions shall not constitute a waiver of these Terms.

If one of the clauses is invalid, this shall not invalidate the remaining clauses.

These Terms may be updated at any time without specific notice to the Users.

The Provider shall not be liable if the User has not read the latest version of these Terms.

When using the services of the Website, the User is obliged to comply with these Terms, as well as all other terms and conditions stipulated by the legislation of the Republic of Bulgaria and international legislation, even if not mentioned in these Terms.

9. Data for correspondence with the Provider

BUL STREAM Ltd. Address: Republic of Bulgaria, postal code: 1404, Sofia Province, Sofia Municipality, Sofia, bul. Bulgaria 81 V, fl.5, office III-А2, Email: [email protected], Телефон: +359875419635.

PRIVACY POLICY

We at BUL STREAM Ltd. take a responsible approach to privacy, security and protection of our customers personal data and we want you to be familiar with how we collect, use and process your personal data. We process your personal data in accordance with the principles of lawfulness and transparency.

GENERAL PROVISIONS

This Privacy Policy applies to the personal data we process when you interact with our website located at www.bullstream.org, no matter if you use a computer, mobile phone, tablet, television, device in a home appliance, or other device to access our services.

This Privacy Policy may be amended at any time in the event of changes in applicable laws, as well as changes in the way your personal data is processed. In case the latest updates of the Privacy Policy are not published on the website, your rights and obligations are governed by the applicable current legislation.

The processing of personal data will always be in accordance with the General Data Protection Regulation 2016/679 (“Regulation”). For the purposes of this Privacy Policy, the terms “personal data”, “data subject”, “processing”, “third party”, “data subject consent”, shall have the same meaning as provided by the European legislator when implementing the Regulation.

DATA WE PROCESS

You do not need to provide personal data to use our website, but if you wish to use certain services through our website, then the processing of personal data may become necessary.

We collect the following personal data that you provide to us while using our website: name and surname, telephone number, email address, your company data and other personal data provided by you.

In addition, if you give your prior consent, we collect information about your use of our website – this is done through the so-called cookies. Information could include time and frequency of website visits, browser type, operating system type, network and IP address information, and more. For more information about cookies and how you can manage them, see our Cookie Policy.

PURPOSES OF PROCESSING

We use your personal data only for specific purposes specified in advance at the time of collection and after your explicit consent (where consent is the legal basis for processing), or for additional compatible purposes in accordance with the legislation. The purposes for which we process your personal data are:

to respond to your inquiries submitted via our contact form;

to provide efficient service to our customers and to improve the content and functionality of our website;

to improve the quality of our services;

to contact you to provide newsletters, special offers, useful tips, updates and information we think will be of interest to you;

to contact you with information about your use of our website;

to ask for your feedback on our products and services;

for marketing and advertising purposes;

for any other purpose consistent with this Privacy Policy or for which we have obtained your specific consent.

Provision of personal data to third parties

Your personal data may only be provided to third parties only when the latter undertake the same obligation to ensure adequate levels of protection as set out in the Regulation.

Your personal data may also be transferred to third parties acting on our behalf for further processing in accordance with the purposes for which it was originally collected, or to be processed lawfully in other ways, such as service provision, evaluation of the usefulness of this website, marketing, data management or technical support.

Our contractual relationship with these third parties obliges the latter to use your personal data only for the agreed purpose and not to sell your personal data to third parties or disclose it to third parties except as required by the Regulation or as permitted by us or as set out in this Privacy Policy.

The personal data we collect from you may be processed, accessed and stored outside the European Union in countries with a lower level of data protection than that provided for in the Regulation. In the event that we transfer your personal data to external companies in other jurisdictions, we shall ensure that these transfers of personal data are protected against the appropriate guarantees provided by the Regulation, such as standard data protection clauses. You have the right to request a copy of the applicable data protection law on the basis of which we transfer your personal data to such countries. Where the risk to the protection of your personal data is very low, we may rely on your informed consent for such transfers.

We may disclose your personal data to third parties if we are required to do so by applicable law, court order, subpoena or governmental act; if we believe in good faith that disclosure is necessary to protect legal rights, protect your safety or that of others; as part of a criminal or other legal investigation or proceeding in the Republic of Bulgaria or abroad.

We do not transfer, sell or exchange your personal data to third parties (including for marketing purposes).

Analytics data may be provided to third parties due to the use of cookies. For more information about cookies and how we use them, see our Cookie Policy.

LEGAL BASIS FOR PROCESSING

Chapter II Article 6(1)(a) of the Regulation is the legal basis for which we require your consent for the more specific purposes of the processing. If the processing is necessary for the performance of an agreeement to which you are a party, for example where the processing is necessary for the provision of another service, it is based on Chapter II Article 6(1)(b) of the Regulation.

The same applies to processing that is necessary to implement pre-contractual measures, for example in the case of inquiries concerning our products or services. If our company has a legal obligation to which the controller is subject, such as for the fulfilment of tax obligations, it is based on Chapter II Article 6(1)(с) of the Regulation. Processing which does not fall within the legal grounds set out above but is necessary for the legitimate interests of our company, except where such interests are overridden by the interests or fundamental rights and freedoms of the data subject, is based on Chapter II Article 6(1)(f) of the Regulation.

In this case, the legitimate interest of our company is to carry out its activities for the benefit of our clients and employees.

Personal data retention periods

Your personal data will not be kept longer than is necessary for the purposes for which it was collected. This means that once the purposes have been met, the data will be deleted or anonymised.

Also, your personal data is stored for the period specified by our contractual relationship and for a certain period thereafter imposed by legal obligations.

Where there are no other grounds that oblige us to store (part of) your personal data, you can request the deletion of your information.

DATA SECURITY

We strive to use appropriate organisational, technical and administrative measures to protect personal data within our organisation. To this end, we apply all legal and technical measures to protect personal data in accordance to Article 32 of the Regulation, as well as the latest technological developments. Note, however, that despite adequate steps to protect information, no website, Internet connection, computer system or wireless connection is completely secure.

YOUR RIGHTS

Right to information and access: At any time, you have the right to obtain free information about whether we process your personal data and the ways in which we process it, including the purposes of the processing, the types of data, the recipients of the data, your rights and more. If you wish to exercise your right of access, you may contact us at any time at the contacts listed at the end of this Privacy Policy.

Right to transfer your personal data:

Where the processing of your personal data occurs in an automated manner on the basis of your consent or on the basis of a contractual agreement, you have the right to receive a copy of your data in a structured, commonly used and machine-readable format transferred to you or to another party.

Right to rectification:

You have the right to have your personal data corrected without undue delay if it is inaccurate, and to have the data completed in the event of incomplete information. You can correct your personal data by contacting us at the contacts listed at the end of the Privacy Policy.

Right to erasure (right to be forgotten):

You have the right to request the erasure of all personal data processed by us at any time in the following situations:

- The personal data is no longer necessary for the purposes for which it was collected or processed.

- You wish to withdraw your consent on which the processing is based according to Chapter II, Article 6(1)(a) or Article 9(2)(a) of the Regulation and there is no other legal basis for the processing;

- You wish to object to processing of personal data according to Chapter III, Section 4, Article 21(1) of the Data Protection Regulation and there are no legitimate grounds for the processing which override, or you object to the processing according to Chapter III, Section 4, Article 21(2) of the Regulation;

- The personal data have been unlawfully processed;

- The personal data must be erased in order to comply with a legal obligation under European Union law or the law of a member state to which the controller is subject;

- The personal data were collected in connection with the provision of information society services as referred to in Chapter II, Article 8(1) of the Regulation

If we have provided your personal data to third parties, we are obliged – subject to available technology and the costs of implementation – to take appropriate steps, including technical measures, to inform those third parties that you have requested erasure of your data or copies or replicas of that personal data.

The right “to be forgotten” may not be exercised in the following situations:

- if you have an outstanding debt to us, regardless of the method of payment;

- if you are suspected of abuse or have abused our services;

Right to object to processing on the basis of legitimate interest:

You have the right to object to the processing of your personal data on the basis of our company legitimate interest. We will cease processing your personal data unless it can be demonstrated that there are convincing legal grounds that override your interests and rights against it or due to legal claims.

Right to object to direct marketing:

You have the right to object to receiving marketing communications, including profiling and analytics for direct marketing purposes.

You can opt out of direct marketing in the following way:

- by following the instructions in any message received in your email.

Right to restriction of processing

You have the right to request restriction of processing where one of the following applies:

- if you claim that your personal data is inaccurate, we will restrict processing until a data accuracy check has been passed;

- the processing is unlawful, but the data subject does not wish the personal data to be erased, but requests instead that we restrict its use;

- if we no longer need your personal data for the purposes of the processing, but it is necessary for the establishment, exercise or defence of legal claims;

- if you object to the processing on the basis of our legitimate interest, in which case we will restrict the processing.

Right to withdraw consent

You have the right to withdraw your consent to the processing of your personal data at any time where such processing is based on consent.

Automated individual decision-making, including profiling

You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning the data subject or similarly significantly affects him or her, unless the decision: (1) is necessary for the conclusion or performance of an agreement between a data subject and a controller; or (2) is permitted by Union or member state law applicable to the controller and which also provides for appropriate measures to protect the rights, freedoms and legitimate interests; or (3) is based on the data subject's explicit consent.

For your information, the conduct of our business does not require making and application of automated decisions, including profiling.

Right to file a complaint with a supervisory body:

If you believe that we are processing your personal data in an unlawful manner, you have the right to file a complaint with a supervisory body in the European Union and/or the Supervisory Authority of the Republic of Bulgaria.

How can you exercise your rights?

If you wish to exercise any of your legal rights or need assistance in exercising them, or have any questions relating to them, you may contact us at any time at the contacts listed at the end of this Privacy Policy.

Protection of personal data of persons under the age of 16

The processing of the personal data of a child shall be lawful where the child is at least 16 years old. Where the child is below the age of 16 years, such processing shall be lawful only if and to the extent that consent is given or authorised by the holder of parental responsibility over the child.

Information about the personal data controller and contacts

BUL STREAM Ltd. 206539615, Republic of Bulgaria, postal code: 1404, Sofia Province, Sofia Municipality, Sofia, bul. Bulgaria 81 V, fl.5, office III-А2, +359875419635, [email protected]

Cookie Policy

The website https://bullstream.org uses cookies, which are essential for its proper functioning. By visiting our site, you accept the use of cookies.

Basis for collecting, processing and storing your personal data.

Types of cookies we use:

Mandatory cookies

These cookies are necessary for the correct operation of the website. With these cookies, for example, we show you the information on our website in the correct language.

Analytical cookies

Thanks to these cookies, we monitor the traffic on our website and can analyse how easy it is for our users to use it (Google Analytics cookies). These cookies do not give us any information about your personal data. They tell us which pages of our site you have viewed, whether you visited our site on a mobile or desktop device and other anonymous data.

Functional cookies

These cookies allow you to use the full functionality of our site, watch the videos on it, email us on the chat, and remember the preferred language in which to load information on our site.

Precision targeting cookies

These cookies contain information about how you have used our site and may be triggered by our advertising partners. They do not store personal information. Thanks to them, you will not be shown information that is irrelevant to you. These are dynamic cookies from Facebook, Google, Adform, Adwise, etc.

In addition, most ad networks offer the option to unsubscribe from profiled advertising.

You can set the cookies you receive from our website in the browser you use.

Please note that if you restrict certain types of cookies, our site may not work properly and you may not be able to use its full capabilities.