Welcome to Niko AutoML Platform Privacy Policy. This Privacy Policy, as amended from time to time, sets out the basis which AND Solutions Pte. Ltd. and its subsidiaries (“we”, “us”, “our” or “AND Solutions”) may collect, use, share or otherwise process personal information of our customers. Please carefully review this Privacy Policy to comprehend our practices and views with regards to your personal information and how we will handle it.

The company responsible for your information is:

AND Solutions Pte. Ltd.
160 Robinson Road
#14-04 Singapore 068914

This Privacy Policy applies to information we collect whenever you use our (a) websites (any page on the nikoscoring.ai domain and its subdomains) and (b) the Platform or otherwise interact with us as described below.

By using the Platform, you understand and agree that we are providing a platform for you to upload data, numbers, text, graphics, photos, videos, audios or other materials (collectively referred to as “Content“), to the Platform and to build and deploy your scoring models within the Platform.

We collect Contents, communications and other information you provide when you use the Platform, including when you sign up for an account, upload or share Contents, and message or communicate with others. Depending on the nature of your interaction with the Platform, some examples of personal information which we may collect from you include:

(a) Information you choose to provide to us directly:

(i) When you create an account, you may, at your sole discretion, choose to provide us with at least the following information necessary for the Platform to work:

• your name;
• login credentials;
• company name;
• job title;
• your industry;
• email address; and
• phone number.

(ii) When you subscribe to a paid service or make a purchase from us, you provide us or our payment service provider with information, such as your debit or credit card number.

(iii) When you participate in surveys or market studies, you give us your insights into the Platform, responses to our questions and testimonials.

(iv) If you contact our customer care team, with the sole purpose of resolving your complaints: (1) we may collect the information you choose to send to us; and (2) with your consent, we may access to your messages within the Platform that are directly or indirectly related to your complaints. We also may keep records of our communications with you, including any complaints that we receive from you about other users within the Platform. 

(v) If you ask us to communicate with or otherwise process information of other people (for example, if you ask us to send an email on your behalf to one of your friends), we collect the information about others that you give us in order to complete your request.

(b) Other sources: We may also obtain information from other sources. We protect this information according to the practices described in this Privacy Policy, plus any additional restrictions imposed by the source of the data. These sources vary over time, but could include:

(i) payment service providers who provide us with payment or balance information, or updates to that information, based on their relationship with you;

(ii) security service providers who provide us with information to secure our systems, prevent fraud and help us protect the security of accounts in the Platform; and

(iii) online and offline data providers, from which we obtain aggregated demographic, interest based and online advertising related data.

(c) Technical information: When you use the Platform, we may collect information from and about the device(s) you use to access the Platform, including hardware and software information such as IP address, device type, device-specific settings and characteristics, browser type, version, language, operating system, time zones, identifiers associated with cookies or other technologies that may uniquely identify your device or browser.

1. de) Analytics information:We may use third-party analytics tools to help us measure traffic and usage trends for the Platform. These tools collect information sent by your device or the Platform, including the sections of the Platform that users visit, duration of use and other statistical data that assists us in continuously improving the Platform. We collect and utilize this analytics information in the aggregate as it pertains to all of our users. As such, the analytics insights that we derive from our analytics data cannot be used to identify any particular individual user.

We may use web beacons (tracking pixels), cookies, and other tracking technologies to collect information about you when you interact with our emails or the Platform, including information about your browsing behavior on the Platform. We use this information to make improvements to the Platform and your experience, to observe features and areas of the Platform that are more popular, understand the effectiveness of marketing campaigns, count visits, and determine whether an email sent by us was opened and if hyperlinks contained in the email were clicked.

In addition to some of the specific uses of information we describe in this Privacy Policy, we collect, use and/or share your personal information for any or all of the following purposes:

(a) To manage your account, including creation and maintenance of your account in the Platform.
(b) To secure our systems, prevent fraud and help us protect the security of accounts on the Platform.
(c) To prevent, detect and investigate potentially prohibited or illegal activities, including fraud, and to enforce our Terms of Use.
(d) To develop, test and improve the Platform, including by conducting surveys and research, and testing and troubleshooting new products and features of the Platform.
(e) To analyze and understand our audience, develop and test new features of the Platform, improve our service (including our user interface experiences and service performance), diagnose or fix technology problems, and optimize delivery.
(f) To process payment or credit transactions.
(g) To comply with any applicable laws, regulations, codes of practice, guidelines, or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority.
(h) To communicate with you concerning our service so that we can send you news about the Platform, details about new features and content available on the Platform, special offers, promotional announcements, consumer surveys, and to assist you with operational requests such as password reset requests. These communications may be by various methods, such as email or online messaging channels.

We share your information for certain purposes and to third parties, as described below:  

(a) Service Providers: We may use other companies, agents or contractors (“Service Providers“) to perform services on our behalf or to assist us with the provision of services to you. For example, we may engage Service Providers to provide marketing, advertising, communications, security, infrastructure and IT services, to customize, personalize and optimize our service, to provide bank account or balance information, to process credit card transactions or other payment methods, to provide customer service, to analyze and enhance data (including data about users’ interactions with our service), and to process and administer consumer surveys. In the course of providing such services, these Service Providers may have access to your personal or other information. We do not authorize them to use or disclose your personal information except in connection with providing their services (which includes maintaining and improving their services).

(b) Business transfers: In connection with any reorganization, restructuring, merger or sale, or other transfer of assets, we will transfer information, including personal information, provided that the receiving party agrees to respect your personal information in a manner that is consistent with this Privacy Policy.

(c) Compliance: We may share and otherwise use your personal and other information where we reasonably believe such disclosure is needed to (a) satisfy any applicable law, regulation, legal process, or governmental request, (b) enforce applicable terms of use, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address illegal or suspected illegal activities (including payment fraud), security or technical issues, or (d) protect against harm to the rights, property or safety of the Platform, its users or the public, as required or permitted by law.

(a) We keep your personal information only as long as we need it for legitimate business purposes as laid out in Section 7 (Use of Information) above and as permitted by applicable law.
(b) We delete or anonymize your information upon deletion of your account in the Platform, unless: 
(i) we must keep it to comply with applicable law;
(ii) we must keep it to evidence our compliance with applicable law;
(iii) there is an outstanding or potential issue, claim or dispute requiring us to keep the relevant information until it is resolved; or
(iv) the information is kept for our legitimate business interests, such as fraud prevention and enhancing users’ safety and security. For example, information may need to be kept to prevent a user who was banned for unsafe behavior or security incidents from opening a new account.

(a) Email and text messages. If you no longer want to receive marketing communications from us via email, please use the unsubscribe link contained within the email. Please note that you cannot unsubscribe from service-related correspondence from us, such as emails relating to your account transactions.

(b) Access and update. Tools and account settings that help you to access, rectify or delete information that you provided to us and that are associated with your account directly within the Platform. If you have any question on those tools and settings, please contact our customer care team via email at contact@nikoscoring.ai.

(c) Deletion. You can delete your account by contacting our customer care team via email at contact@nikoscoring.ai.

(a) Access and Update: you can access and update your information by visiting  the “My Profile” portion of the Platform. You must be signed in to access the “My Profile” section.

(b) Deletion: You can request that we delete personal information that we hold about you by contacting our customer care team via email at contact@nikoscoring.ai.

(c) Requests: For all your privacy related requests, or if you have a question regarding our privacy practices, please contact our customer care team via email at contact@nikoscoring.ai. We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. For your protection and the protection of all of our users, we may ask you to provide proof of identity before we can answer your privacy requests.

(d) We may reject requests that are unreasonable or not required by law, including those that would be extremely impractical, could require disproportionate technical effort, or could expose us to operational risks such as free trial fraud. We may retain information as required or permitted by applicable laws and regulations, including to honor your choices, for our billing or records purposes and to fulfill the purposes described in this Privacy Policy. We will destroy or de-identify personal information in a secure manner when it is no longer required.

We use reasonable administrative, logical, physical and managerial measures to safeguard your personal information against loss, theft and unauthorized access, use and modification. These measures are designed to provide a level of security appropriate to the risks of processing your personal information.

Our services are restricted to users who are 18 years of age or older. We do not permit users under the age of 18 on the Platform and we do not intentionally collect personal information from anyone under the age of 18. If you suspect that a user is under the age of 18, please contact our customer care team via email at contact@nikoscoring.ai.

We always strive to continue innovating and improving our products and services. In this regard, we may make changes to this Privacy Policy from time to time. If we do make changes, we will inform you by sending an email to you or posting a notice of statement within the Platform. Once the changes are made to this Privacy Policy, we will update the last revised date at the top of this Privacy Policy.

We hope that this document clarifies any privacy or security concerns that you might have. If you have any further questions or concerns about this Privacy Policy, please do not hesitate to contact us at contact@nikoscoring.ai.

This Privacy Policy was last updated on 28 October 2022.

Last revised: 28 October 2022

The California Consumer Privacy Act of 2018 (“CCPA”) became effective on 1 January 2020 and creates a variety of privacy rights for California consumers. This California Consumer Privacy Notice (this “CCPA Notice”) supplements the information contained in our general Privacy Policy and applies solely to all visitors, users and others who reside in the State of California. This CCPA Notice is provided to inform you, as a California resident, of your rights with respect to information collected by AND Solutions Pte. Ltd. and subsidiaries (collectively, “AND Solutions” or “we”).

1. Right to know

(a) Collection of information

You have the right to know what type of your personal information AND Solutions is collecting and our business purposes for that collection.

We make this information available to our consumers in Section 5 (Collection of information) of our general Privacy Policy.

(b) Use of information

You have the right to know how your personal information is obtained, how it is used, and our business purposes for that use.

We make this information available to consumers in Section 7 (Use of information) of our general Privacy Policy.

(c) Sharing of information

You have the right to know if your personal information is shared with any third parties. We may share your personal information to have Service Providers, as defined by the CCPA, perform services specified by written contract. In addition, we may share personal information with third parties for other notified purposes, as permitted by the CCPA.

We make this information available to consumers in Section 8 (Sharing of information) of our general Privacy Policy.

(d) Sale of information

You have the right to know whether your personal information is being sold. Your personal information is sold when it is shared with a third party for monetary or other valuable consideration for a purpose that is not a “business purpose” as set forth in the CCPA. 

AND Solutions does not sell your personal information.

1. Right to control

(a) Categories of information

You have the right to request, twice in a twelve-month period, the following about the personal information we have collected about you during the past twelve (12) months: 

(i) the categories and specific pieces of personal information we have collected about you;

(ii) the categories of sources from which we collected the personal information;

(iii) the business or commercial purpose for which we collected or sold the personal information;

(iv) the categories of third parties with whom we shared the personal information; and

(v) the categories of personal information about you that we sold or disclosed for a business purpose, and the categories of third parties to whom we sold or disclosed that information for a business purpose.

If you wish to submit this request, please contact our customer care team via email at contact@nikoscoring.ai To help protect your privacy and maintain security, we take steps to verify your identity before granting you access to your personal information or complying with your request.

(b) Right to Receive

You have the right to receive a copy of your personal information.

If you wish to submit this request, please contact our customer care team via email at contact@nikoscoring.ai. To help protect your privacy and maintain security, we take steps to verify your identity before granting you access to your personal information or complying with your request.

(c) Right to Delete

You have the right to delete your personal information.

If you wish to submit this request, please contact our customer care team via email at contact@nikoscoring.ai. To help protect your privacy and maintain security, we take steps to verify your identity before granting you access to your personal information or complying with your request.

(d) Right to “Opt-out” of “Sale”

AND Solutions does not sell your personal information, so we do not offer an opt out. What this means is that we do not sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate in any way your personal information to another company for monetary or other valuable consideration. 

(e) Non-Discrimination

The CCPA prohibits businesses from discriminating against you for exercising your rights under the law. Such discrimination may include denying a good or service, providing a different level or quality of service, or charging different prices. The CCPA permits businesses to provide differing levels or quality or different prices where the business can demonstrate that the difference is reasonably related to the value to the business of the consumer’s personal information.