Privacy policy


May 01, 2019


This Privacy Policy describes the information Bernama collects about you, how we use and share that information, and the privacy choices we offer. This policy applies to information we collect when you register for Bernama, access or use our website, mobile applications, products, and services (collectively, the “Services”), or when you otherwise interact with us. As used in this Privacy Policy, the term "Site" includes: all websites and all devices or applications operated by Bernama that collect personal information from you and that link to this Privacy Policy; pages within each such website, device, or application, any equivalent, mirror, replacement, substitute, or backup website, device, or application; and pages that are associated with each such website, device, or application. 

1.Collection of information
2.Use of your information
3.Sharing of information
4.Security
5.Email communications
6.Changes to your personal information
7.Changes to privacy policy

1. Collection of information 

Bernama may collect the following categories of personal information about you, including but not limited to the following: 

Registration Information: When you register for a Service, you will be asked for basic registration information, such as an email address and password. Identification Information: You may also be asked to provide identification information to confirm your identity, including your first and last name, zip code and phone number. 

Third-Party Credentials: You may also enter in certain passwords, usernames, account numbers, and other account information for third-party sites and Internet services ("Third Party-Sites"). 

Information from Third-Party Sites: In order to display information to you or to fulfill your requests for certain products and services through a Service, we may collect, on your behalf, your account and other personal information from Third-Party Sites that you register under your account via the Service. We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties. 

Bernama uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Bernama and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid privacy policy. 

Information Collected by Cookies and Web Beacons: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. 

We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon. Technical and Navigational Information: We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality. 

Device ID: When you use the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data. 

2. Use of your information 

We may use the information you provide about yourself and about your Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. 

We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services. 

We may use your information to improve and personalize the Services. For example, we may use your information to pre-fill form fields on the Sites for your convenience. 

3. Sharing of information 

We may share personal information about you as follows: 

With third parties to provide, maintain, and improve our Services; 

In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business; 

To respond to subpoenas, court orders, or legal process; 

In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services; 

To respond to claims that any posting or other content violates the rights of third parties; 

In an emergency, to protect the health and safety of our Sites' users or the general public; or As otherwise required by law. 

4. Security 

We take reasonable measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. No system, however, is perfectly secure. 

5. Email communications 

We may provide our registered customers with summaries of their Account Information and email alerts. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Bernama or third-party goods or services. 

Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts. 

6. Changes to your personal information 

If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. Alternatively, you can send an email that includes your contact information to support@Bnclive.com to request any corrections to your personal information. 

You may also email us if you wish to deactivate your account, but even after you deactivate your account, we may retain archived copies of information about you for a period of time that is consistent with applicable law. 

7. Changes to privacy policy 

We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. You may review updates to our Terms of Service and Privacy Policy at any time via links on www.earnin.com. You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on www.Bernamalive.com and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. Changes take effect immediately upon posting. 

Got Questions? 

If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contact support@Bnclive.com