terms and conditions govern all use of the www.isecard.com website and all
content, services and products available through the website, including, but
not limited to, the client area (collectively referred to as the Site).
The Site is
owned and operated by International Student Exchange Center(collectively
referred to as the Operator). The Site is offered subject to your acceptance
without modification of all of the terms and conditions contained herein and
all other operating rules, policies (including, without limitation, the
time on this Site by the Operator (collectively, the "Agreement").
this Agreement carefully before accessing or using the Site. By accessing or
using any part of the web site, you agree to become bound by the terms and
conditions of this agreement. If you do not agree to all the terms and
conditions of this agreement, then you may not access the Site or use any
services. The Site is available only to individuals who are at least 13 years
You are responsible for maintaining the security of your client area account,
and you are fully responsible for all activities that occur under the account
and any other actions taken in connection with the account. You must
immediately notify the Operator of any unauthorized uses of your account or any
other breaches of security. The Operator will not be liable for any acts or
omissions by you, including any damages of any kind incurred as a result of
such acts or omissions.
If you leave comments anywhere on the Site, post material to the Site, post
links on the Site, or otherwise make (or allow any third party to make)
material available by means of the Site (any such material,
"Content"), You are entirely responsible for the content of, and any
harm resulting from, that Content. That is the case regardless of whether the
Content in question constitutes text, graphics, audio, or computer software. By
making Content available, you represent and warrant that:
• Downloading, copying and use of the Content will not infringe the proprietary
rights, including but not limited to the copyright, patent, trademark or trade
secret rights, of any third party
• You have fully complied with any third-party licenses relating to the
Content, and have done all things necessary to successfully pass through to end
users any required terms
• The Content does not contain or install any viruses, worms, malware, trojan
horses or other harmful or destructive content
• The Content is not spam, is not machine or randomly generated, and does not
contain unethical or unwanted commercial content designed to drive traffic to
third party sites or boost the search engine rankings of third party sites, or
to further unlawful acts (such as phishing) or mislead recipients as to the
source of the material (such as spoofing)
• The Content is not pornographic, libelous or defamatory, does not contain
threats or incite violence towards individuals or entities, and does not
violate the privacy or publicity rights of any third party
By submitting Content to the Operator for inclusion on our Site, you grant the
Operator a world-wide, royalty-free, and non-exclusive license to reproduce,
modify, adapt and publish the Content for the purpose of displaying,
distributing, promoting, marketing or any other lawful use.
Without limiting any of those representations or warranties, the Operator has
the right (though not the obligation) to, in the Operator's sole discretion (i)
refuse or remove any content that, in the Operator's reasonable opinion,
violates any policy or is in any way harmful or objectionable, or (ii)
terminate or deny access to and use of the Site to any individual or entity for
any reason, in the Operator's sole discretion. The Operator will have no
obligation to provide a refund of any amounts previously paid under these
information do we collect?
We may collect personally identifiable information from you in a variety of
ways, including through online forms for ordering products and services, and
other instances where you are invited to volunteer such information, including,
but not limited to, when you register on our site, place an order or subscribe
to our newsletter. When ordering or registering on our site, as appropriate,
you may be asked to enter your: full name, e-mail address, mailing address,
phone number, passport or id card copy, student/faculty document, or
school name information.
What do we
use your information for?
Any of the information we collect from you may be used to personalize your
experience, improve our website, improve customer service, process
transactions, send periodic emails. The email address you provide for order
processing, will only be used to send you information and updates pertaining to
your order. If you decide to opt-in to our mailing list, you will receive
emails that may include company news, updates, related product or service
information, etc. If at any time you would like to unsubscribe from receiving
future emails, we include detailed unsubscribe instructions at the bottom of
How do we
protect your information?
We implement a variety of security measures to maintain the safety of your
personal information when you place an order or access your personal
We offer the use of a secure server. All supplied sensitive/credit information
is transmitted via Secure Socket Layer (SSL) technology and then encrypted into
our payment gateway providers database only to be accessible by those
authorized with special access rights to such systems, and are required to keep
the information confidential. After a transaction, your private information
(credit cards, social security numbers, financials, etc.) will not be stored on
The Site offers products and services for sale. The Site does not handle
payments for these products directly, but rather refers these payments to a
secure third-party payment processor which handles all aspects of the payment
process. Any payment issues or disputes should be resolved directly with the
payment processor. Once we have been notified by the payment processor that a
payment has been made, and that the payment has successfully passed a fraud
review, access will be granted to the product or service being purchased as
soon as possible, however we make no guarantees of timeliness or immediacy.
Free accounts are provided with a limited access to the Site that allows the
user to test all available services prior to making a payment and determine if
the offered services meet user’s needs. You may request a refund within 2 days
of the payment only if the card number is not generated and your information in
the card(product) is not correct. Otherwise no refunds will be offered.
Note that our system keeps track of your information you typed, uploaded files
and IP address so we will verify each request for legitimacy.
of website visitors
By operating the Site, the Operator does not represent or imply that it
endorses any or all of the contributed content, or that it believes such
material to be accurate, useful or non-harmful. You are responsible for taking
precautions as necessary to protect yourself and your computer systems from
viruses, worms, trojan horses, and other harmful or destructive content. The
Site may contain content that is offensive, indecent, or otherwise
objectionable, as well as content containing technical inaccuracies,
typographical mistakes, and other errors. The Operator disclaims any
responsibility for any harm resulting from the use by visitors of the Site.
disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally
identifiable information, except to provide products or services you've
requested. This does not include trusted third parties who assist us in
operating our website, conducting our business, or servicing you, so long as
those parties agree to keep this information confidential. We may also release
your information when we believe release is appropriate to comply with the law,
enforce our site policies, or protect ours or others rights, property, or
safety. However, non-personally identifiable visitor information may be
provided to other parties for marketing, advertising, or other uses.
infringement and DMCA policy
As the Operator asks others to respect its intellectual property rights, it
respects the intellectual property rights of others. If you believe that
material located on or linked to by the Site violates your copyright, you are
encouraged to notify the Operator in accordance with common DMCA policies. The
Operator will respond to all such notices, including as required or appropriate
by removing the infringing material or disabling all links to the infringing
material. In the case of a visitor who may infringe or repeatedly infringes the
copyrights or other intellectual property rights of the Operator or others, the
Operator may, in its discretion, terminate or deny access to and use of the
Site. In the case of such termination, the Operator will have no obligation to
provide a refund of any amounts previously paid to the Operator. You further
agree not to change or delete any proprietary notices from materials downloaded
you create, unless you have purchased a premium membership in which case you
may remove our copyright notice from your privacy statement.
stores on your computer's hard drive) to help us remember and process the items
in your shopping cart, understand and save your preferences for future visits
and compile aggregate data about site traffic and site interaction so that we
can offer better site experiences and tools in the future. We may contract with
third-party service providers to assist us in better understanding our site
visitors. These service providers are not permitted to use the information
collected on our behalf except to help us conduct and improve our business.
Our site may contain links to third party sites. These third party sites have
separate and independent privacy policies. We therefore have no responsibility
or liability for the content and activities of these linked sites. Nonetheless,
we seek to protect the integrity of our site and welcome any feedback about
This Agreement does not transfer from the Operator to you any of the Operator's
or third party intellectual property, and all right, title and interest in and
to such property will remain (as between the parties) solely with the Operator.
The Operator logo, and all other trademarks, service marks, graphics and logos
used in connection with the Operator, or the Site are trademarks or registered
trademarks of the Operator or the Operator's licensors. Other trademarks,
service marks, graphics and logos used in connection with the Site may be the
trademarks of other third parties. Your use of the Site grants you no right or
license to reproduce or otherwise use any the Operator or third-party
The Operator reserves the right, at its sole discretion, to modify or replace
any part of this Agreement. It is your responsibility to check this Agreement
periodically for changes. Your continued use of or access to the Site following
the posting of any changes to this Agreement constitutes acceptance of those
changes. The Operator may also, in the future, offer new services and/or
features through the Site (including, the release of new tools and resources).
Such new features and/or services shall be subject to the terms and conditions
of this Agreement.
The Operator may terminate your access to all or any part of the Site at any
time, with or without cause, with or without notice, effective immediately. If
you wish to terminate this Agreement you may simply discontinue using the Site.
Notwithstanding the foregoing, if you have a client account, such account can
only be terminated by the Operator if you materially breach this Agreement and
fail to cure such breach within 14 (fourteen) days from the Operator's notice
to you thereof; provided that, the Operator can terminate the Site immediately
as part of a general shut down of our service. All provisions of this Agreement
which by their nature should survive termination shall survive termination,
including, without limitation, ownership provisions, warranty disclaimers,
indemnity and limitations of liability.
The Site is provided "as is". The Operator and its suppliers and
licensors hereby disclaim all warranties of any kind, express or implied,
including, without limitation, the warranties of merchantability, fitness for a
particular purpose and non-infringement. Neither the Operator nor its suppliers
and licensors, makes any warranty that the Site will be error free or that
access thereto will be continuous or uninterrupted. You understand that it is
accurate, and meets your companies specific privacy needs. We are not liable or
responsible for any privacy policies created using our services, and we give no
representations or warranties, express or implied, that the privacy policies
created using our service are complete, accurate or free from errors or
In no event will the Operator, or its suppliers or licensors, be liable with
respect to any subject matter of this agreement under any contract, negligence,
strict liability or other legal or equitable theory for: (i) any special,
incidental or consequential damages; (ii) the cost of procurement or substitute
products or services; (iii) for interruption of use or loss or corruption of
data; or (iv) for any amounts that exceed the fees paid by you to the Operator
under this agreement. The Operator shall have no liability for any failure or
delay due to matters beyond their reasonable control. The foregoing shall not
apply to the extent prohibited by applicable law. The Operator shall not be
liable for any special or consequential damages that result from the use of, or
the inability to use, the services and products offered on this site, or the
performance of the services and products.
representation and warranty
You represent and warrant that (i) your use of the Site will be in strict
all applicable laws and regulations (including without limitation any local
laws or regulations in your country, state, city, or other governmental area,
regarding online conduct and acceptable content, and including all applicable
laws regarding the transmission of technical data exported from the United
States or the country in which you reside) and (ii) your use of the Site will
not infringe or misappropriate the intellectual property rights of any third
You agree to indemnify and hold harmless the Operator, its contractors, and its
licensors, and their respective directors, officers, employees and agents from
and against any and all claims and expenses, including attorneys' fees, arising
out of your use of the Site, including but not limited to your violation of
This Agreement constitutes the entire agreement between the Operator and you
concerning the subject matter hereof, and they may only be modified by a
written amendment signed by an authorized executive of the Operator, or by the
posting by the Operator of a revised version. Except to the extent applicable
law, if any, provides otherwise, this Agreement, any access to or use of the
Site will be governed by the laws of Republic of Korea, excluding its conflict
of law provisions, and the proper venue for any disputes arising out of or
relating to any of the same will be the state and federal courts located in
Seoul, Korea. If any part of this Agreement is held invalid or unenforceable,
that part will be construed to reflect the parties' original intent, and the
remaining portions will remain in full force and effect. A waiver by either
party of any term or condition of this Agreement or any breach thereof, in any
one instance, will not waive such term or condition or any subsequent breach
thereof. You may assign your rights under this Agreement to any party that
consents to, and agrees to be bound by, its terms and conditions; the Operator
may assign its rights under this Agreement without condition. This Agreement
will be binding upon and will inure to the benefit of the parties, their
successors and permitted assigns.
our terms and privacy policies
From time to time we may make adjustments to this policy. Changes will be made
at our sole discretion. Site's users are encouraged to check this policy for
such changes. Your continued use of this site following changes to this policy
constitutes your acceptance of the changes.
addressed to us via our e-mail email@example.com.
This document has
been last modified on 25 May, 2018.
Below is ISEC’s new Privacy & Cookies
Policy, which will enter into effect on May 25, 2018.
To view our current Privacy & Cookies
Policy, which will apply through May 25, 2018, please click here.
ISEC Privacy & Cookies Policy
Effective as of May 25, 2018
In this privacy & cookies policy
(“Policy”), we describe the information that we collect about you, that you
provide to us, is provided to us by third parties, and will be processed by us,
as you use this website (our “Website”) and the services available through this
Website, our mobile website, and for registered users our Mobile Application
(collectively, our “Services”). We recommend that you read this policy carefully
in order to understand what International Student Exchange Center (“we”, “us”,
“ISEC”) do with your personal information. Your use of our Website and Services
and any dispute over privacy, is subject to this Policy and any of our
applicable Terms and Conditions for use of our Services, including their
applicable limitations on damages and the resolution of disputes. Our Terms and
Conditions for our Services are incorporated by reference into this Policy. By
visiting www.isecard.com you are
accepting and consenting to the practices described in this Policy. Regardless
of the applicable law set forth in the ISEC Terms and Conditions for use of our
Services, however, please note that any disputes arising under this Policy will
be interpreted in accordance with the Governing Law provision set forth below.
EUROPEAN ECONOMIC AREA (“EEA”) CUSTOMERS
ONLY: Please note that the whole of this Policy applies to you together with
additional provisions which are specific to EEA customers, and can be found at
HOW, WHEN AND WHAT WE COLLECT?
How does ISEC collect my information?
We collect information directly from you,
about you from third parties such as issuing agents, our marketing affiliates and service
providers used to verify your identity and prevent fraudulent activity, other ISEC
users and other ISEC clients or customers for the purpose of providing the ISEC
Services to you, and automatically as you use our Website and the
Services. At this time, use of our
Services through our Mobile Application is only available to users who register
for our Services.
When does ISEC collect my information?
Third Party Analytics
you apply for and use our Services, you contact us with questions, and you
otherwise choose to provide information to us.
We receive information about you from
banking references, credit reporting agencies, affiliates, other ISEC users if
they provide us your name through our referral programs, and other third
parties (e.g., entities that assist us in validating your identity, among
others). We may combine this with other information that we collect about you.
We, and our third party service providers
(with consent for EEA users), automatically collect the following information
about your use of our Website and our online Services through cookies, web
beacons, log files and other technologies: your domain name, your browser type
and operating system, web pages you view, links you click, your IP address, the
length of time you visit our Website or use our Services, your activities on
our Website, and the referring URL or the webpage that led you to our Website.
If you are a registered user, we also may collect the following information
about your use of our Mobile Application:
mobile device ID; device name and model; operating system type, name,
and version; your activities within the Mobile Application, the length of time
that you are logged into our Mobile Application, and, with your permission,
your precise geo-location information. Please see the section “Our Use of
Cookies and other Tracking Mechanisms” below for more information.
What information does ISEC collect?
The types of information we collect about
you depends on your particular interaction with our Website and our Services,
and might include, where permitted by applicable law:
Your contact information (e.g., name, email
address, phone number, billing or mailing address)
IP address, geolocation
Identity validation (e.g., photograph,
other information requested to verify your information)
Institution(Your School information and department to verify your institution status)
Date of birth
Details of any transactions carried out
using any of the Services
Any other information that you choose to
provide to us (e.g., if you send us an email/otherwise contact us)
Information about your travel
Information through Cookies and other
tracking technologies as listed above and as described in the section below
You are responsible for providing accurate
and up-to-date information. If you choose to participate in our Refer a Friend
program, you acknowledge that you have your friend’s consent to provide your
friend’s information to us.
HOW WE USE YOUR INFORMATION
To validate your identity.
To provide our Services to you, to
communicate with you about your use of our Services or any changes in our Terms
and Conditions that apply to you.
For the purpose for which you specifically
provide the information to us, including, to respond to your inquiries, to
provide any information that you request, and to provide customer support.
To tailor the content and information that
we may send or display to you, to offer location customization (where permitted
by applicable law), personalized help and instructions, and to otherwise
personalize your experiences while using our Website and our Services, such as
developing and offering you with new and/or additional services or new and/or
additional features to existing services.
For marketing and promotional purposes, for
example, where permitted by law (other than if (where applicable) you opted out
by unsubscribing from marketing emails and/or by contacting us as noted in the
table below), we may use your information, such as your email address, phone
number, or mailing address to send you newsletters, special offers and
promotions, or to otherwise contact you about services or information we think
may interest you, or to conduct draws for campaigns and the like and deliver
prizes and rewards .
As permitted by applicable law (other than
if (where applicable) you opted out), to assist us in advertising our products
and services in various mediums including, without limitation, sending you
promotional emails, advertising our services on third party sites and social
media platforms, sending you direct mail, and by telemarketing.
To better understand how users access and
use our Website and our Services, both on an aggregated and individualized
basis, to administer, monitor, and improve our Website and Services, for our
internal purposes, and for other research and analytical purposes. Please see
the information below regarding Third Party Analytics.
To protect us, our customers, employees or
property — for instance, to investigate fraud and prevent fraudulent activity,
harassment or other types of unlawful activities involving us or other
companies that we do business with, to enforce this Policy, as well as our
Terms and Conditions.
WHEN DO WE SHARE YOUR INFORMATION?
We share your information with third
parties, including service providers, regulated institutions (e.g., financial
institutions), affiliated entities, and business partners as set out in the
table below. In the section below, we also list the reasons why we share
How and Why We Share Your Information
Does ISEC Share?
With our service providers and affiliates –
to assist us with the provision of the Services and our everyday business
purposes, such as to verify your identity, prevent fraudulent activity, conduct
internal research and analytical assessments, process your transactions,
maintain your account(s) and provide you with customer care services. Yes
With fraud prevention and detection service
providers - for the purpose of detecting and preventing fraudulent activity.
Such service providers may keep records of information provided and use it when
providing fraud detection and prevention services to other users of their
For marketing purposes:
With our service providers and our affiliates – to market our own products and
With non-affiliated third parties for joint marketing purposes. Yes*
With other ISEC clients, customers or third
parties using our services - to perform the Services, assist in carrying out
your transactions with such clients, customers or third parties or for purposes
of our refer-a-friend program(s). Yes
In response to legal process – to comply
with the law, a judicial proceeding, subpoena, court order, or other legal
In connection with business transfers – to
another entity if we are acquired by or merged with such other entity, if
substantially all of our assets are transferred to such other entity, or as
part of a bankruptcy proceeding. Yes
To protect us and others – we may disclose
your information when we believe it is necessary to investigate, prevent, or
take action regarding illegal activities, suspected fraud, situations involving
potential threats to the safety of any person, violations of our Terms and
Conditions or this Policy, or as evidence in litigation in which we are
Aggregate and de-identified information –
we may disclose aggregate or de-identified information about users for
marketing, advertising, research, or similar purposes. Yes
With consumer reporting agencies, as
permitted by law, with respect to users from South Korea. Yes
* If you do not want us to use your details
for us to market to you, and/or to pass your details on to third parties for
marketing purposes, please contact us through the phone number or email address
listed in the Sectiontitled “Contact Us, Questions, Updating Your Info” below. You will also be able to unsubscribe from any marketing emails sent
to you by ISEC using a link provided in the email.
WHERE WE STORE YOUR DATA
All information you provide to us is stored
on our secure servers. Any payment transactions will be encrypted using SSL technology.
Where we have given you (or where you have chosen) a password which enables you
to access certain parts of our site, you are responsible for keeping this
password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of
information via the internet is not completely secure. Although we will do our
best to protect your personal data, we cannot guarantee the security of your
data transmitted to our Website; any transmission is at your own risk. Once we
have received your information, we will use strict procedures and security
features to try to prevent un-authorized access.
We and our third-party service providers
designed for mobile applications) to track information about your use of our
Website and Services. We may combine this information with other personal
information we collect from you (and our third-party service providers may do
so on our behalf).
Cookies are alphanumeric identifiers that we transfer to your computer’s
hard drive through your web browser for record-keeping purposes. Some cookies
allow us to make it easier for you to navigate our Website and Services, while
others are used to enable a faster log-in process or to allow us to track your
activities at our Website and Service. There are four types of cookie:
Strictly necessary cookie These are cookies
that are required for the operation of our Website. They include, for example,
cookies that enable users to log into secure areas of our Website.
Analytical/performance cookies. These types
of cookies allow us to recognize, count the number of visitors, and see how
visitors move around our Website when they are using it. This assists us to
improve the way in which our Website works, for example, by ensuring that you
can find what you are looking for easily.
Functionality cookie These cookies are used
to recognize you when you return to our Website. They enable the
personalization of content, recognition of users, and also remember your user
preferences (for example, your choice of language or region).
Targeting cookies. These cookies record
your visit to our Website, the individual pages visited and the links followed.
If the cookie is set by a third party (for example, an advertising network)
which also monitors traffic on other websites, this type of cookie may also be
used to track your movements across different websites and to create profiles
of your general online behavior. Information collected by tracking cookies is
commonly used to target online advertising.
The four types of cookies above will be
either session cookies or persistent cookies.
Session Cookies. Session cookies exist only
during an online session. They disappear from your computer when you close your
browser or turn off your computer. We use session cookies to allow our systems
to uniquely identify you during a session or while you are logged into the
Website or Services. This allows us to process your online transactions and
requests and verify your identity, after you have logged in, as you move
through our Website or Services.
Persistent Cookies.Persistent cookies
remain on your computer after you have closed your browser or turned off your
computer. We use persistent cookies to
remember your user information, preferences and activity, to enable us to
provide our services to you when you next return to our Website or Services. We also use persistent cookies to track
aggregate and statistical information about user activity, which may be
combined with other user information.
Local Storage Objects. We may use Flash
Local Storage Objects (“Flash LSOs”) to store your Website preferences and to
personalize your visit. Flash LSOs are different from browser cookie because of
the amount and type of data stored. Typically, you cannot control, delete, or
disable the acceptance of Flash LSOs through your web browser. For more
information on Flash LSOs, or to learn how to manage your settings for Flash
LSOs, go to the Adobe Flash Player Help Page, choose “Global Storage Settings
Panel” and follow the instructions. To see the Flash LSOs currently on your
computer, choose “Website Storage Settings Panel” and follow the instructions
to review and, if you choose, to delete any specific Flash LSO.
Storage HTML5 Storage. We may also store your user information and
Website preferences locally within your web browser via HTML5.
Clear GIFs, pixel tags and other
technologies. Clear GIFs are tiny graphics with a unique identifier, similar in
function to cookies. In contrast to cookies, which are stored on your
computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may
use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with
our Website or Services to, among other things, track the activities of Website
visitors, help us manage content, and compile statistics about Website and
Services usage. We and our third-party service providers also use clear GIFs in
HTML emails to our customers, to help us track email response rates, identify
when our emails are viewed, and track whether our emails are forwarded.
Changing or Disabling your Cookie Settings.
Most web browsers automatically accept cookies, but if you prefer you can edit
your browser options to block them in the future. The Help portion of the toolbar on most
browsers will tell you how to prevent your computer from accepting new cookies,
how to have the browser notify you when you receive a new cookie, or how to
disable cookies altogether. Visitors to
our Website who disable their web browsers’ ability to accept cookies will be
able to browse the Website; however, most site features will not function if
you disable cookies and you will not be able to login to use our services.
Do Not Track. Currently, our systems do not
honor browser “do-not-track” requests. You may, however, disable certain
tracking as discussed above (e.g., by disabling Cookies); you also may opt-out
of Third Party Analytics or targeted advertising by following the instructions
in the Third Party Ad Networks section below.
Third Party Analytics
We use automated devices and applications,
such as Google Analytics, VWO and Trendemon, to evaluate use of our Website and
the Services. To opt-out of Google Analytics, please go to: https://tools.google.com/dlpage/gaoptout/.
Please note that if you use a new or different computer, install a new browser,
or clear your cookies; in that case, you will need to re-opt-out through the
We use these tools to help us improve our
other tracking technologies to perform their services. These third parties may collect
your device ID, IP address, or other information about your use of the Services
as part of the analytics they provide to us.
Third-Party Ad Networks
We use third parties, such as network
advertisers and other marketing agents, to display advertisements on our
Website, to assist us in displaying advertisements on third party websites, and
to evaluate the success of our advertising campaigns. Network advertisers are
third parties that display advertisements based on your visits to our Website
and unrelated third-party websites. This enables us and these third parties to
target advertisements by displaying ads for products and services in which you
might be interested. Third-party ad network providers, advertisers, sponsors
(including clear GIFs), Flash LSOs and other technologies to measure the
effectiveness of their ads and to personalize advertising content to you. These
third-party cookies and other technologies are governed by each third party’s
advertisers with information about your use of our Website and our Services, as
well as aggregate or non-personally identifiable information about visitors to our
Website and users of our Service.
You may opt-out of many third-party ad
networks, including those operated by members of the Network Advertising
Initiative (“NAI”) and the Digital Advertising Alliance (“DAA”). For more information regarding this practice
by NAI members and DAA members, and your choices regarding having this
information used by these companies, including how to opt-out of third-party ad
networks operated by NAI and DAA members, please visit their respective
websites: www.networkadvertising.org/optout_nonppii.asp (NAI) and
Opting out of one or more NAI member or DAA
member networks (many of which will be the same) only means that those members
no longer will deliver targeted content or ads to you. It does not mean you
will no longer receive any targeted content or ads on our Website or other
websites. You may continue to receive advertisements, for example, based on the
particular website that you are viewing. Also, if your browsers are configured
to reject cookies when you visit this opt-out page, or you subsequently erase
your cookies, use a different computer or mobile device or change web browsers,
your NAI or DAA opt-out may no longer be effective. Additional information is
available on NAI’s and DAA’s websites accessible by the above links.
CHANGES TO OUR PRIVACY & COOKIES POLICY
This Policy may change from time to time.
Any changes in the future will be posted on our Website and, where appropriate,
notified to you by email or in your “My Account” on the Website. Please check back frequently to see any
updates or changes to our Policy. We will not materially reduce your rights
under this Policy without taking steps to bring such changes to your attention.
CONTACT US, QUESTIONS, UPDATING YOUR INFO,
If you are an ISEC Services customer and
would like to update your information, please log into your “My Account” in
order to update certain information or contact us through the contact
information below. If you are not an ISEC Services customer, but have provided
us with information, and would like to update your information, you may contact
us through the phone number or email address listed below. From time to time,
we may email you with special offers; you may opt-out of those offers through
the email or by contacting us as noted below.
ISEC Customer Care, International Student
#3001, 30F Trade Tower, Youngdong-daero,
Gangnamgu Seoul 06164 South Korea
If you would like to contact us for other
privacy-related matters, please contact our Data Protection Officer(Joon Han) at firstname.lastname@example.org.
GOVERNING LAW & JURISDICTION
Save in relation to EEA customers, this
Policy shall be governed by and interpreted in accordance with the laws of South
Korea, and any dispute hereunder shall be brought exclusively in the courts of
the Gangnamgu, South Korea except where prohibited by South Korean law.
For our EEA customers, this Policy shall be
governed by and interpreted in accordance with the laws of South Korea, and any
dispute hereunder shall be brought exclusively in the courts of South Korea.
customers in Japan who have subscribed to an ISEC Card, or who are using the
Make a Payment service in Japan. If you are a holder of an ISEC Card in Japan,
or using the ISEC Make a Payment service in Japan, please review your
applicable Policy here.
Any and all content provided on this
Website or the Services, including links to other websites is provided for
information purposes only and does not constitute advice, recommendation or
support of such content or website. ISEC makes every effort to provide true and
accurate content on its Website. However, ISEC provides no warranty, express or
implied, of the accuracy, completeness, timeliness, or applicability of such
content. ISEC accepts no responsibility for and excludes all liability in
connection with information provided on the ISEC website, including but not
limited to any liability for errors, inaccuracies or omissions.
APPENDIX 1: ADDITIONAL TERMS FOR EEA
The information below is required pursuant
to the EEA law regarding privacy and data protection. The terms below apply to
EEA customers in addition to the terms in the rest of the Policy.
For the purposes of the General Data
Protection Regulation (“GDPR”), the data controller is ISEC #3001, 30F Trade
Tower, Youngdong-daero, Gangnamgu Seoul 06164 South Korea, a company
established in South Korea and regulated for data protection purposes by the South
Korea Authority (“ISEC”). If you have any questions about this Policy, please
contact our Data Protection Officer (Joon Han) at email@example.com.
If you are unhappy about how we are
processing your data or how we have responded to a request or complaint, you
have the right to make a complaint to the South Korea Authority or your local
when do we share your information
The table headed “How and Why We Share Your
Information” in the main part of the Policy under the heading “WHEN DO WE SHARE
YOUR INFORMATION” lists who we may share your information with, which include
transfers for reasons of legal compliance and necessity in order to provide you
with our Services.
You should be aware that when sharing your
information, it may be transferred to, and stored at, a destination outside the
Please note that where data is transferred
outside of the EEA, non-EEA countries may not offer the same level of
protection for personal data as is available in the EEA. ISEC will take various
measures to ensure that your data is treated securely, which may include, but
not be limited to:
assessing the security measures taken at
any place your data is transferred to;
having suitable contract terms in place
that oblige a data processor to only process in accordance with our
having monitoring, reporting and resolution
procedures in place with regard to ongoing security.
Please contact us if you require more
detailed information about international transfers of your information, and the
particular safeguards used.
Legal grounds for processing your personal
We process your information based on the
following legal grounds, as recognised by and in compliance with the applicable
data protection laws:
the processing is necessary to perform our
contract with you (i.e. the Terms and Conditions that apply as applicable with
respect to ISEC Services, for the provision of our Services), or to take steps
requested by you before entering into said contract;
the processing is in ISEC’s or someone
else’s legitimate interests, and these interests are not overridden by your
interests or rights in the protection of your personal data. This may include
processing your data for prevention of fraudulent activity, internal research
and analytics assessments, for purposes of communication with you, and
informing you about new products and services we are offering or to promote new
products and services of other parties which we think may be of interest to
you have given your consent to the
processing of your data;
the processing is necessary to meet a legal
obligation which applies to ISEC.
Sometimes we process data about you which
the law considers to fall within special categories (see section “What data do
we process about you?” for more details), in which case, we use one of the
the processing is necessary for the
establishment, exercise or defence of legal claims;
you have freely given your informed,
specific consent to the processing; or
the processing is necessary for reasons of
substantial public interest, based on applicable law.
If you would like more information about
the legal grounds used to process your information, or about the legitimate
interests referred to above, please contact us.
In cases where we have asked for, and you
have given, your consent to our processing of your personal data, you have the
right to withdraw such consent at any time.
You can do this by contacting our DPO(Joon Han) at firstname.lastname@example.org.
Do you have to give us your information?
In most cases, providing your personal data
to us is optional, however, if you do not provide it, you will not be able to
use our Services. For example, we need details such as your name, address and
bank account details so that we can make payments to you and receive payments
from you. In other cases, you have a choice over whether we collect your
personal data, for example, you can turn off cookies on your browser and we
will not place any cookies on your device or computer (although in this case
you may not be able to use all parts of our website).
Profiling and automated decision making
We use automated decision making as part of
our process to evaluate eligibility for the use of the ISEC Services. We use
these tools as a measure of fraud prevention and for purposes of security and
risk assessment relating to the performance of the ISEC Services:
Automated tools incorporated in our process
of approval of your registration application: based on the information you
provided, the tool may advise if additional information is required for purpose
of approval of your application.
Automated tools incorporated in our process
of approval of certain payment transaction of registered users: such tools may
advise if additional information is required for purpose of performance of the
How long do we keep your INFORMATION?
ISEC retains your information as required
by applicable laws or regulations and/or in accordance with ISEC’s internal
policies and procedures for purposes of prevention of fraudulent activity, risk
management and security. ISEC will periodically review the necessity of
retention of your data.
EEA CUSTOMERS ONLY: Your rights
You have several rights in relation to your
personal data which are described in more detail below. You can exercise your rights at any time by
contacting us at email@example.com.
Accessing your data
You can ask us to:
Confirm whether we are processing your
Give you a copy of that data
Provide you with other information
about your personal data such as what data we have, what we use it for, who we
disclose it to, whether we transfer it abroad and how we protect it, how long
we keep it for, what rights you have, how you can make a complaint, where we
got your data from and whether we carry out any automated decision making or
profiling. We aim to give you all this
contact our Data Protection Officer at Support@isecard.com.
You do not have to pay a fee for a copy of
your information unless your request is unfounded, respective or excessive, in
which case we will charge a reasonable amount in the circumstances. We will let you know of any charges before
completing your request.
We aim to respond to you within 1 (one)
month of receiving your request unless it is particularly complicated or you
have made several requests, in which case we aim to respond within 3 (three)
months. We will let you know if we are going
to take longer than 1 (one) month in dealing with your request. If we have a lot of information about you we
might ask you if you can tell us what exactly you want to receive. This will help us action your request more
Correcting your data
You can ask us to correct any data which is
inaccurate or incomplete. This is free
If we have shared the data with anyone
else, we will tell them about the correction wherever possible. We aim to deal with requests for correction
within 1 (one) month, although it might take us up to 3 (three) months if your
request is particularly complicated.
If we cannot action a request to correct
your data, we will let you know and explain why this is.
Erasing your data
This right is sometimes referred to as “the
right to be forgotten”. This is not an
absolute right but you have the right to have your data erased, free of charge,
in certain circumstances.
You can ask for your data to be erased
it is no longer necessary for the purpose
for which it was originally collected or processed;
we are processing your data based on your
consent, and you withdraw that consent;
you object to the processing and we do not
have an overriding legitimate interest for continuing;
your data has been unlawfully processed;
your data must be erased to comply with a
the data was processed to offer information
society services to a child.
There are some exceptions to this
right. If one of these applies, we do
not have to delete the data.
If we have shared your data with third
parties, we will tell them about the erasure of your data unless this is
impossible or would involve disproportionate effort.
Restricting the processing of your data
You can ask us to restrict the processing
of your personal data in some circumstances, free of charge. This is not an absolute right. If processing is restricted we can store the
data and retain enough information to make sure the restriction is respected,
but we cannot further process your data.
You can restrict the processing of your
personal data in the following cases:
if you contest the accuracy of your data,
we will restrict processing until we have made sure the data is accurate;
if you object to our processing and we are
considering this objection;
if the processing is unlawful but you do not
want us to erase your data;
if we no longer need the personal data but
you require the data to establish, exercise or defend a legal claim.
If we have disclosed the data to a third
party, we will inform them about the restriction unless it is impossible or
would require a disproportionate effort.
We will tell you if we decide to lift a restriction on processing your
Objecting to the processing of your data
Objecting to the processing of your data is
free of charge. It is not an absolute
right but you can object to our processing of your data where it is:
based on the legitimate interests ground;
for the purposes of scientific/historical
research and statistics.
We will stop processing your personal data
unless we have compelling legitimate grounds for the processing which override
your interests and rights, or unless we are processing the data for the
establishment, exercise or defence of legal claims.
You can require us to stop using your data
for direct marketing purposes. We will
stop as soon as we receive your request.
There are no exemptions or reasons for us to refuse.
This allows you to obtain and reuse your
personal data for your own purposes across different services. It applies where the following conditions are
you provided the personal data to us
we are processing the data either based on
your consent or because it is necessary for the performance of a contract; and the processing is carried out by automated
We will provide your data free of charge in
a structured, commonly used and machine-readable form. We aim to provide your data within 1 (one)
month of receiving your request unless it is particularly complicated or you
have made several requests, in which case we aim to respond within 3 (three)
months. If we are going to take longer
than 1 (one) month we will let you know and explain why we need more time. If we consider that we cannot provide you
with your data, we will contact you and explain why this is.
Automated decision making and profiling
You have the right not to be subject to a
decision which is based on automated processing and which produces a legal (or
similarly significant) effect on you.
We will tell you about any automated
decision making that affects you. You
have the right to:
request human intervention;
express your point of view;
ask for the decision to be explained; and
challenge the decision.
These rights are not absolute. They do not apply if the decision is:
necessary for us to enter into or perform a
contract with you;
authorised by law (e.g. for fraud
based on your explicit consent.
ISEC Privacy & Cookies Policy
Updated February 2017; Valid through May 25,