Terms of Service and Privacy Policy
April 19, 2024
As accessed on 16 January 2023 and displayed here
TERMS OF SERVICE
At Stitch, user privacy, security and transparency are of utmost importance
This document, Terms of Service and End User Privacy Policy (collectively known as the “Terms”), is meant to help you (the “end user”) understand how we at Stitch collect, use, and share end user information in our possession to operate, improve, develop, and protect our services, and as otherwise outlined in the Terms. Please take some time to read the Terms carefully.
Please note that these terms apply to Stitch Money (Pty) Ltd (2018/409288/07).
1. Who is Stitch?
Stitch Money (Pty) Ltd (“Stitch”), is a company incorporated in South Africa under registration number 2018/409288/07. Stitch provides technology that allows consumers to connect their bank account to applications/websites for purposes of facilitating payments and accessing a variety of products, across verticals such as budgeting, lending, insurance, etc. These products are built by companies and developers (collectively known as “Developers”) that integrate with us by making use of our developer tools and services to do so.
Stitch is also an authorised Third Party Payment Provider and provides services in its capacity as such. The products and services that we offer are provided in partnership with merchants and registered financial institutions.
Stitch has various brands and products under it, such as Wig Wag.
2. About the Terms
This document sets out the Terms of Service and End User Privacy Policy (collectively known as the
“Terms”) and is aimed at providing you (the “End User”)
These Terms apply to Stitch’s website and all relevant engagement channels (including applications) through which we offer services and products.
These Terms do not seek to offer any guarantees or make any representations on behalf of Developers and/or any third parties that Stitch collaborates with for purpose of (i) giving effect to a commercial relationship between you and said third party or Stitch and/or (ii) facilitating payment transaction(s) on your behalf. We encourage you to enquire with the Developers or any third party concerned if you wish to have more information about their data practices.
This Agreement is an agreement between you and Stitch. It details Stitch’s obligations to you. It also highlights certain risks of using the services and you must consider such risks carefully as you will be bound by the provisions of this Agreement through your use of this website or any of our services.
This Agreement applies in addition to the Master Services Agreement that you will enter into with Stitch. Where the terms of this Agreement are inconsistent with the terms of the Master Services Agreement, the terms of the Master Services Agreement shall prevail to the extent of the inconsistency
By using any of our website and/or services, you agree to these Terms of Service.
CARD SCHEME RULES
Each "Card Scheme" (Visa, MasterCard and any other applicable card association) has its own rules, regulations and guidelines. You are required to comply with all rules of the Card Scheme Rules that are applicable to merchants. You can review the Scheme Rules as published by Mastercard, Visa and other Card associations. The Card Schemes reserve the right to amend their Scheme Rules from time to time.
SECURING CARD DATA
Stitch is Payment Card Industry (PCI) compliant and as such, Stitch is responsible for the security and protection of Cardholder Data (CHD) that we collect and store. Accordingly, we implement access control measures, security protocols and standards, including the use of encryption and firewall technologies, to ensure that CHD is kept safe and secure on our servers in compliance with the PCI DSS Requirements. We also implement periodic security updates to ensure that our security infrastructures are in compliance with reasonable industry standards.
If/when you make use of any Stitch product which results in the storing, processing or transmitting of card data, then you will be responsible for securing this data in accordance with the PCI compliance standard. Information on the PCI DSS Requirements can be found on the PCI Council's website. It is your responsibility to comply with these standards as they are applicable to you.
CUSTOMER PAYMENTS
You may only process payments when authorised to do so by your customer. We will only process transactions that have been authorised by the applicable Card Scheme or card issuer. We do not guarantee or assume any liability for transactions authorised and completed that are later reversed or charged back . You are solely responsible for all reversed or charged back transactions and any related fees , regardless of the reason for, or timing of, the reversal or chargeback. Stitch may add or remove one or more payment types or Card Schemes at any time. If we do so, we will use reasonable efforts to give you prior notice of the removal.
CHARGEBACKS
You will be notified of all charged back transactions and will be provided guidance by Stitch on how to dispute these chargebacks in accordance with our partnering banks processes as well as card network requirements. Stitch will endeavour to assist you in the chargebacks dispute process. Stitch does not guarantee that the evidence provided by you to dispute a chargeback will result in winning a chargeback and Stitch will not be held liable for any chargeback related fee’s and/or losses.
Suspension of Transactions and Withholding of Funds
- Monitoring of Transactions: Stitch reserves the right to monitor all merchant transactions for signs of suspicious or potentially fraudulent activity. This monitoring may include, but is not limited to, the analysis of transaction patterns, volumes, and the verification of transaction legitimacy.
- Suspension and Withholding: In the event that Stitch identifies transactions that are suspicious or indicative of fraud, money laundering, or other illegal activities, Stitch may, at its sole discretion, suspend the processing of such transactions and withhold any related funds. Stitch may also suspend the processing of transactions and withhold any related funds if requested to do so by banking partners.
- Notification: Upon the suspension of any transactions, Stitch will promptly notify the merchant of the suspension and provide a general description of the suspicious activity, unless issuing such a notification would impede any investigation.
- Duration of Withholding: The withheld funds will be retained in a secure account for a reasonable period necessary to conduct a thorough investigation.
- Resolution: Upon completion of the investigation, if Stitch determines that the transactions were not in violation of applicable laws or regulations, the withheld funds will be released to the merchant. If Stitch concludes that the transactions were in violation of applicable laws or regulations, it may take further action, including but not limited to permanent withholding of the funds, termination of the merchant's account, and reporting to relevant authorities.
- Rights of the Merchant: The merchant may provide evidence to dispute the suspicious nature of the transactions at any point during the investigation period. Stitch will review all such evidence promptly and in good faith.
- Amendments: Stitch reserves the right to amend these terms at any time, including the conditions under which transactions may be deemed suspicious and the process by which funds may be withheld. These changes will be made in accordance with the procedure outlined in the general terms and conditions.
GUARANTEED PAYMENTS
In our sole discretion we may flag or delay certain transactions, Stitch does not guarantee or assume liability for transactions credited or settled by you, if we have advised you to delay crediting such transaction/s for whatsoever reason. You remain fully liable for such transactions.
HOW WE HANDLE YOUR FUNDS
You authorise and instruct Stitch to hold, receive, and disburse funds on your behalf when such funds from your card transactions settle from the Card Schemes. By accepting this Agreement, you further authorise Stitch on how your card transaction settlement funds should be disbursed to you.
You agree that you are not entitled to any interest or other compensation associated with the settlement funds held by Stitch pending settlement and Payout to your Bank Account.
Settlement funds will be held in a deposit account by Stitch pending Payouts to you in accordance with the terms of this Agreement.
SECURITY AND FRAUD CONTROLS
Stitch is responsible for protecting the security of payment data, in our possession and we will maintain commercially reasonable administrative, technical, and physical procedures to protect all the personal information regarding you and your customers that is stored in our servers from unauthorised access and accidental loss or modification. Although we cannot guarantee that unauthorised third parties will never be able to defeat those measures or use such personal information for improper purposes, we will take all reasonable and commercially achievable measures to implement and address any security incident as soon as we become aware of such security incident.
You agree to use other procedures and controls provided and/or recommended by us and other measures that are appropriate for your business to reduce the risk of fraud.
In the event that you suspect any fraudulent activity by a customer, you agree to notify Stitch immediately and terminate the delivery of the service to that customer. In addition, where we suspect a fraudulent transaction , we reserve the right to delay such a transaction and/or suspend or cancel our service to you without liability.
KYC
You agree that you are solely responsible for verifying the identities of your customers, ensuring that they are authorised to carry out the transactions on your platform, and determining their eligibility to purchase your products and services.
You are also required to maintain information and proof of service or product delivery to your customer. Where a dispute occurs needing resolution, you may be required to provide Stitch with this information.
OUR FEES & PRICING SCHEDULE
You agree to pay us for the services rendered to you . Our “Fees” will be calculated as demonstrated on the http://wigwag.me/ website.
We reserve the right to revise our Fees. In the event that we revise our Fees, we will provide you with reasonable notice. Funds are net settled and, fees are taken from funds prior to being paid out
DISCLAIMERS
WE TRY TO KEEP THE STITCH WEBSITE AND SERVICES AVAILABLE AT ALL TIMES, BUG-FREE AND SAFE, HOWEVER, YOU USE IT AT YOUR OWN RISK.
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS, IMPLIED AND/OR STATUTORY WARRANTIES (INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED OR STATUTORY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, TITLE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS). WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STITCH MAKES NO WARRANTY THAT OUR WEBSITE AND SERVICES WILL MEET YOUR REQUIREMENTS OR THAT OUR WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH OUR WEBSITE OR FROM STITCH, ITS PARENTS, SUBSIDIARIES, OR OTHER AFFILIATED COMPANIES, OR ITS OR THEIR SUPPLIERS (OR THE RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS OF ANY SUCH ENTITIES) SHALL CREATE ANY WARRANTY WHATSOEVER.
LIMITATION OF LIABILITY
Neither us nor any of our agents, officers, affiliates, successors, assigns, directors, service providers, suppliers, employees or representatives shall be liable for any damage, loss or liability of whatsoever nature arising from the use or inability to use the Website or the Services or Content provided from and through the Website.
STITCH WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND WHATSOEVER OR HOWSOEVER CAUSED (WHETHER ARISING UNDER CONTRACT, DELICT OR OTHERWISE AND WHETHER THE LOSS OR DAMAGE WAS ACTUALLY FORESEEN OR REASONABLY FORESEEABLE), INCLUDING BUT NOT LIMITED TO ANY LOSS OF COMMERCIAL OPPORTUNITIES OR LOSS OF PROFITS, AND WHETHER AS A RESULT OF NEGLIGENT (INCLUDING GROSSLY NEGLIGENT) ACTS OR OMISSIONS OF STITCH.
EXCLUSION OF WARRANTIES AND REPRESENTATIONS
To the extent permitted by law, Stitch makes no representation or warranty whatsoever, whether express, implied or statutory, regarding the Website or the Services, including, without limitation, no representation or warranty as to the operation, integrity, compatibility, availability or functionality of the Website or as to the operation, accuracy, completeness, integrity, compatibility, availability, functionality or reliability of the Content.
INDEMNITY
You agree to defend, indemnify, and hold Stitch, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.
PRIVACY POLICY
Stitch is committed to managing your Personal Information in line with global industry best practices and applicable laws. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.
Dispute Resolution
You agree that any dispute arising from these terms of service shall be submitted to mediation, failing which, the dispute shall be submitted to binding arbitration governed by the Commercial Arbitration Rules of the Arbitration Foundation of Southern Africa (“AFSA”). The arbitration proceeding shall be conducted by a mutually agreed upon arbitrator of AFSA and shall be held in Cape Town, South Africa and the judgment upon the award rendered may be entered and enforced in any court of competent jurisdiction. Nothing contained in this paragraph shall prohibit a party from approaching any court of competent jurisdiction for urgent interim relief pending determination of the dispute by arbitration, and for this purpose the parties consent to the non-exclusive jurisdiction of the Western Cape Local Division of the High Court of South Africa, Cape Town.
THIRD PARTY LINKS AND CONTENT
Notwithstanding that this site may contain links to third party web sites and that some third party web sites may contain links to this site we do not control, endorse or approve the activities or content of any such third party web sites. Please contact the relevant web site proprietor if you have a complaint about the activities or contents of a third party web site.
INTELLECTUAL PROPERTY
Proprietary rights (including without limitation, the trade marks, copyright and patent rights) in the components of this site, including such components and systems used by us to provide services to you via this site belong to us and our licensors. You may not make any use of such components save in the course of your use of our site and/or services in the normal manner as permitted by us.
Each party shall retain all intellectual property rights, including all ownership rights, title, and interest, in and to its own products and services, subject only to the rights and licenses specifically granted herein.
UPDATES, MODIFICATIONS & AMENDMENTS
We may need to update, modify or amend this Agreement as our technology evolves. We reserve the right to make changes to this Agreement at any time by giving notice to you on this page.
We advise that you check this page often, referring to the date of the last modification on the page. If you have any objection to any of the changes to this Agreement, you must cease using our website and/or services immediately as your continued use of the website and/or services will be deemed as your acceptance of the changes.
APPLICABLE LAW
This Agreement shall be interpreted and governed by the laws of the Republic of South Africa.
SEVERABILITY
If any portion of this Agreement is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from this Agreement and shall not affect the validity or enforceability of any other part in this Agreement.
AGE RESTRICTION
The Website is not targeted at individuals under the age of 18 years and we will not knowingly collect information from persons in this age group.
ASSIGNMENT
Assigning or sub-contracting any of your rights or obligations under this Agreement to any third party is prohibited. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under this Agreement to any third party.
As accessed on 16 January 2023 and displayed here
DATA PRACTICES
PRIVACY POLICY
At Stitch, user privacy, security and transparency are of utmost importance
This document, Terms of Service and End User Privacy Policy (collectively known as the “Terms”), is meant to help you (the “end user”) understand how we at Stitch collect, use, and share end user information in our possession to operate, improve, develop, and protect our services, and as otherwise outlined in the Terms. Please take some time to read the Terms carefully.
Please note that these terms apply to Stitch Money (Pty) Ltd (2018/409288/07).
1. Who is Stitch?
Stitch Money (Pty) Ltd (“Stitch”), is a company incorporated in South Africa under registration number 2018/409288/07. Stitch provides technology that allows consumers to connect their bank account to applications/websites for purposes of facilitating payments and accessing a variety of products, across verticals such as budgeting, lending, insurance, etc. These products are built by companies and developers (collectively known as “Developers”) that integrate with us by making use of our developer tools and services to do so.
Stitch is also an authorised Third Party Payment Provider and provides services in its capacity as such. The products and services that we offer are provided in partnership with merchants and registered financial institutions.
Stitch has various brands and products under it, such as Wig Wag.
2. About the Terms
This document sets out the Terms of Service and End User Privacy Policy (collectively known as the
“Terms”) and is aimed at providing you (the “End User”) with information on the nature of personal
information(as defined in the Protection of Personal Information Act 4 of 2013 (“POPIA)) we collect, the purpose for collection, how we process your personal information in the course of providing our services and the measures that we undertake to ensure that your personal information is secured, and its confidentiality safeguarded.
Personal Information, process/processing and any other terms used in the context of POPIA will bear the meanings ascribed to the terms therein.
The application of these Terms is limited to the information that Stitch directly collects, processes, stores and shares with third parties with your consent. . Should you have any questions related to Stitch’s data practices please contact us via email at [email protected]
3. Information We Collect
Stitch is committed to processing Personal Information in compliance with POPIA. In light of this, your personal information will be processed in a manner that is reasonable, non-excessive, adequate and relevant to the purpose for which it is processed.
Who is responsible for processing your personal data?
Stitch is the “responsible party" (i.e. the organisation responsible) for all Personal Information shared by Developers directly with Stitch. Conversely, Stitch is the operator (i.e. Stitch processes Personal Information on behalf of another entity, such as Developers and Bank Providers) where an End User makes a payment using a Stitch product and the Developes collects and processes that Personal Information, which is then shared with Stitch.
WHAT IS PERSONAL INFORMATION
Personal information means information, in any format, relating to an identified or identifiable, living natural person or existing juristic person. You are identifiable if you can be identified, directly or indirectly, by reference to an identifier (e.g. ID number, account number, etc.) or accumulated information that together has a reasonable likelihood of resulting in the identification of you as the data subject by a person in possession of such information.
Personal information excludes:
- information that has been made anonymous so that it does not identify a specific person
- permanently de-identified information that does not relate or cannot be traced back to you specifically
- non-personal statistical information collected and compiled by us
The following information will be collected and processed:
Information that you voluntarily share:
When you connect your bank accounts with an application or otherwise connect your bank accounts through Stitch, where applicable, we process credentials required by the provider of your bank account, such as your account username, bank account number, password, pin, etc.
We may in future collect your phone number, email address, security questions and answers, and Multi Factor Authentication (MFA) such as One Time Pins (OTPs) to help verify your identity before connecting your bank accounts.
Stitch collects your physical address when you input the delivery details for your purchase with our WigWag product.
When providing this information via the Stitch website or an alternative engagement channel (including apps) through which we offer services and products, you give the Developers and Stitch the authority to act on your behalf and consent to either party accessing and transmitting your End User Information from the relevant bank or other entity that provides your bank accounts (collectively known as “Bank Providers”). Please note that the obligation to collect personal information directly from you, will not apply in instances where the relevant information was deliberately made public by you or where you consented to the collection of the information from another source.
Information we collect from your bank accounts:
The information we receive from the Bank Providers varies depending on the specific Stitch services that Developers use to enable their applications, as well as the information made available by those Bank Providers. In general, we collect the following personal and commercial information, from your Bank Provider:
- Account information, including bank name, account name, account type, account holder, branch number.
- Information about an account balance, including current and available balance.
- Information about investment accounts, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis.
- Identifiers and information about the account holder(s), including name, email address, phone number, date of birth, gender, and address information.
- Information about account transactions, including amount, date, type, price, and a description of the transaction.
- Card holder data(CHD) : name, surname, card number, cvv, expiry date
The data collected from your bank accounts includes information from all your accounts (e.g. checking, savings, and credit card) accessible through a single set of account credentials. All personal information collected and processed in this scenario, is done so with your consent. Neither Stitch, nor the Developer is able to access personal information that you have not explicitly shared and consented to.
Information we collect from your bank devices:
We do not currently, but may in future receive information about the devices used to connect to the Stitch website or any other engagement channels (including apps) through which we offer services and products . We may receive identifiers and network activity information about the relevant device, including IP address, hardware model, operating system, which features within our services you access, and other technical information about the device. This would be done to enhance security around your bank accounts and prevent fraudulent access.
4. Use of Personal Information
In general we process, store and retain personal Information for purposes of (i) giving effect to a
commercial relationship between you and Stitch or a third party; or (ii) facilitating payment transaction(s) on your behalf and for any other compatible purpose.
See below list of additional reasons for which End User Information is used:
- To operate, provide, and maintain our services;
- To improve, enhance, modify, add to, and further develop our services;
- To protect us, you, Developers, our partners, others from fraud, malicious activity, and other privacy and security-related compromises;
- To develop new services;
- To provide customer support to you or to Developers, including to help respond to your queries related to our service or Developers’ applications;
- To investigate any misuse of our service or Developers’ applications, including criminal activity, or other unauthorised access to our services; and
- For any other purposes that you are notified about and that you consent to.
- Monitor, Protect against and prevent fraud, and other legal or information security risks.
- Comply with legal obligations, including under applicable anti- money laundering legislation.
- To improve or personalize existing products and services to you, like Wig Wag.
Note: We retain your security credentials (such as your username, password, pin, etc) with your
permission, in connection with the use of our services. We do not, however, share such security
information with third parties.
5. Sharing of Personal Information
We share your End User Information for a number of purposes, including:
- With the Developer of the application you are using and as directed by that Developer (such as with another third party with your consent);
- Between and among Stitch group companies and, subsidiaries and other companies under common control or ownership for purposes of offering the services, customer support, monitoring and prevention of potentially illegal acts and violations of our policies, and to help us take decisions regarding our products and services;
- As we believe reasonably appropriate to protect you, the Developers, our partners and others as well as our rights, privacy, safety, or property;
- If we believe in good faith that disclosure is legally required in order for us to comply with any applicable laws, regulation, or legal process (such as a court order); or
- With the merchant that your are purchasing goods from so that they can deliver said goods in the case of our WigWag product.
- For any other notified purpose with your consent.
We do not sell personal information that we collect/process to third parties for marketing or any other
purpose.
6. How we Secure Personal Information
We use appropriate, reasonable technical and organisational measures to curtail unlawful access to or processing of Personal Information, prevent loss of, damage to or unauthorised destruction of Personal Information and to secure the integrity and confidentiality of all Personal Information in our possession and/or under our control. Only authorized Stitch personnel and third-party service providers are provided access to personal data, and these individuals and service providers are required to treat this information as confidential.
7. Consent to Process your Personal Information
By giving your consent, you give us permission to process your Personal Information specifically for the purposes set out in this Privacy Policy. You further consent to Stitch sharing your personal information with any of its partners and service providers for purposes of facilitating transactions.
8. Our Retention Practices
We retain End User Information for no longer than necessary to fulfil the purposes for which it was
originally collected and processed, as described in these Terms, unless a longer retention period is
required or permitted under applicable law.
As permitted under applicable law, even after you stop using an application or terminate your account with one or more Developer(s), we may retain your information (for example, if you still have an account with another Developer) provided that the relevant Developer has the requisite consent. In all instances, your information will only be processed in accordance with the POPIA and these Terms.
9. Transfer of Information outside of South Africa
We do not currently, but may in future transfer your Personal Information outside the geographic borders of South Africa. In the event that we do transfer your Personal Information outside of the geographic borders of South Africa, the transfers will be undertaken lawfully, subject to appropriate safeguards and in line with the provisions of POPIA.
10. Your Rights
In line with POPIA and subject to Stitch successfully verifying your identity, you have the right to amongst other things:
- You may request access to your personal information to receive a copy of the personal information that we hold on you.
- You may choose to correct or update the personal information you have submitted to us, by clicking the relevant menu in any of the pages on our website or contacting us by phone or email.
- You may withdraw your consent where we are relying on consent as a lawful justification to process.
- You may also object to our processing where we are relying on another lawful justification for processing. Please note that if you do so, we might not be able to provide services to you.
- the right to request that we delete or destroy your information. However, we will retain information that is lawful and within the legally permissible retention period
Please note that deletion of some Personal Information may impact the services/products that we offer to you. Stitch will not take any responsibility and rejects all liability, for any harm, or loss that you may incur as a consequence of your deletion of Personal Information required for us to offer the relevant services to you.
Please contact us via email at [email protected] should you wish to have access to, amend, update or delete any of your Personal Information in our possession or under our control.
11. Complaints and how to contact Stitch
Stitch have appointed a board approved Information Officer to ensure the enforcement and compliance with applicable data protection laws .
If you have any questions or complaints about our privacy practices , you can
contact our Information Officer at [email protected].
12. Contacting the Information Regulator
In the event that you have any complaints about this Privacy Policy or our compliance with this Privacy Policy you can lodge a complaint with the Information Regulator
The contact details of the Information Regulator are as follows:
Visit their website
Home - Information Regulator (inforegulator.org.za)
Postal address
P.O Box 3153, Braamfontein, Johannesburg, 2017
Physical address
The Information Regulator (South Africa)
JD House 27 Stiemens Street Braamfontein Johannesburg 2001
Phone number
010 023 5200
[email protected] – should you feel that your personal information has been violated, you may use this e-mail address to lodge a complaint
13. Change of ownership
If we undergo a change in ownership, or a merger with, acquisition by, or sale of assets to another entity, we may assign our rights to the personal information we process to a successor, purchaser, or separate entity. We will disclose the transfer on the website. If you are concerned about your personal information migrating to a new owner, you may request us to delete your personal information.
14. Cookie Policy (Specifically for the Wig Wag Product)
Cookies are small text files placed by a website and stored by your browser on your device.
We use cookies and similar technologies on our website to help collect information and operate the website and app.wigwag.me. We use cookies to remember users and make your user experience easier; customise our Services, content and advertising; help you ensure that your account security is not compromised, mitigate risk and prevent fraud; and to promote trust and safety on our website. Our cookies hold a unique random reference to you so that once you visit the website, we can recognise who you are and provide certain content to you.
You may at any given time change your cookie consent preferences.If you prefer, you can go to your browser settings to learn how to delete or reject cookies. If you choose to delete or reject cookies, this may impact your experience when using our website.
We have installed a Microsoft Clarity cookie and Microsoft Advertising on our WigWag site, to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. By default, any sensitive content such as passwords, usernames, etc. are masked before sending to Clarity. For more information about how Microsoft collects and uses your data, please visit the Microsoft Privacy Statement.
15. Changes to this privacy notice
We rightfully review our practices regularly to ensure that your personal information is appropriately safeguarded and used in a responsible way to provide you with the most value. This may require that we change our data privacy policies or this notice from time to time. We will notify you of any changes by displaying a notice on the website .The notice will indicate the changes that have been made and when they become effective