World Monetary Guide respects the privacy rights of our users and is strongly committed to protecting your privacy online. The privacy policy applies to this Web site and does not apply to other World Monetary Guide's products or services. The following information describes how we gather and use data. The amount of information World Monetary Guide holds on you and how it uses it depends on your relationship with World Monetary Guide and on what World Monetary Guide's service you use, this makes some of the following sections irrelevant to you.

World Monetary Guide collects and uses your information to administer, support, improve and obtain feedback on our services and to detect as well as prevent fault, breaches of our network security, the law or World Monetary Guide contract terms with you. World Monetary Guide will use all information to assess what World Monetary Guide products and services may be of interest to individuals and to personalise our service and marketing. If you are registered to use a service World Monetary Guide may contact you to obtain feedback on that service and any improvements that could be made to it.

The present privacy policy dwells on the way we collect and use your personal information, disclosure of personal information, more information/marketing, calls to help Desks, accuracy and security of personal information, use of cookies/software agents, accessing and using your personal information, international transfer of personal information, third parties web sites links, modifications of the privacy policy, Newsletters, alert notices, the international banker-customer News Magazine, World Monetary Guide's News Papers, Books, Advertising on the World Monetary Guide's web sites, Restricted Data Sets, Credit Checks, Digital signature and Certifications, Mail Interceptions, News Reporting, Security and Staff awareness, World Monetary Guide's Messaging and similar services, seminars, Symposia, forums, conferences and frequently ask questions (FAQ).

1. COLLECTION AND USE OF PERSONAL DATA OR INFORMATION
   World Monetary Guide's designated service provider collect personal information that you voluntarily provide on this web site, such information or data may include your name, address, e-mail address, credit card number, billing data and much more as necessary to your required business with us. An example of this is when you register to receive certain World Monetary Guide's services or products or submit your data to enter a sweepstakes, contest, or other promotion. World Monetary Guide used this information/data to communicate with you and to provide you with your requested service or product. Following your consent at the time you register for the service through this web site, World Monetary Guide may also provide you with information concerning special offers, promotions, new development and innovation in our technology or performance upgrade. You are at liberty to instruct us at any time to refrain from using your personal data for any purpose provided such instruction is not detrimental to or against the business interest of World Monetary Guide. You can do so by clicking here. Please note that this process may take up to Thirty (30) days to complete.
2. PERSONAL INFORMATION DISLOSURE
   World Monetary Guide may disclose your personal information to unaffiliated third parties if it is believed in good faith that such disclosure is necessary (i) in compliance with the law or response to a subpoena, court order, government request, or other legal process; (ii) Protection of the interests, rights, safety, or property of World Monetary Guide, its agents and others; (iii) enforcement of any terms of service on this web site; (iv) provision of the services or products you requested ((including allowing a purchaser of a World Monetary Guide division or World Monetary Guide as a whole, while continuing to serve you), and in performing other activities related to such services and products, including billing and collection; (v) providing you with information, special offers, or other promotions from World Monetary Guide to which you consented; or (vi) in operating World Monetary Guide's systems properly. World Monetary Guide makes reasonable efforts to limit its designated service provider's disclosure of your personal information in the same manner as set forth in this page.
   
   As you provide your consent at the time your personal information is collected through this Web site, World Monetary Guide may also share your personal information with a sponsor or other third party that is interested in serving you ("Third-Party Providers"). You are at liberty however, to inform World Monetary Guide not to use or share your personal data with such Third Party Providers by clicking here. Please not that this process often takes approximately (30) days to complete.
   
   Apart from the above, further use and/ or disclosure of your personal information by Third-Party Providers is not the responsibility of World Monetary Guide. Rather, such use and /or disclosure is governed by the Third-Party Providers' privacy policies.
3. MORE INFORMATION ON MARKETING
   If you are particularly registered to use a service or services, World Monetary Guide may contact you to obtain feedback on that service, services and any improvement we could make to it. If you have agreed to such contact, World Monetary Guide may contact you about those of its other services to which you do not subscribe but which may interest you. You could be invited to join a free trial of a service. Sometimes we may invite you to client entertainment and similar events. Such contact may be by post, fax, e-mail, instant message and ( in certain limited circumstances) by telephone from time to time. You have the right to instruct us not to contact you by way of direct marketing. You can do this by contacting marketingsupports@womogu.com with the words "No marketing contact" in the subject line. Then you will no longer receive invitations for events or free trials. If you are a user of World Monetary Guide's on-line subscription services, such as Womogu messaging you may also use Account Preferences to change your marketing preference at any time.
4. HELP DESK CALLS
   All calls to World Monetary Guide telephone help desks may be recorded for quality control, regulatory and monitoring purposes.
5. USE OF COOKIES AND SOFTWARE AGENTS
   The term "cookie" is use here to represent a piece of software, which may be sent to your computer. World Monetary Guide or a designated service may use "cookies" or similar electronic tools to collect Information in order to enhance your experience with this web site. As a software, a cookie carries a small text file that is placed on your computer and which collects information about your use of this Web site, such as the Web pages visited, the date and the time of each visit, the Web site you visited immediately before and after visiting such Web site, etc. Any information collected by the cookies as used by World Monetary Guide is done anonymously and will not be used by World Monetary Guide to subsequently identify you or to prepare the collection, processing, or use of personal information about you without your prior consent. World Monetary Guide makes reasonable efforts to limit its designated service providers' use of cookies or similar electronic tools in the same manner as set forth in this paragraph. The purpose of cookies messengers is to enhance the effective management of this web site.
   
   World Monetary Guide or a designated service provider may also place or recognize a unique cookie on your computer in order to display advertisement that you see on this Web site. Information about your visit to, and activity on this site, as well as the number of times you have viewed an advertisement is used to display on your computer screen customized advertisements that may be of particular interest to you.
6. ACURACY AND SECURITY OF PERSONAL INFORMATION
   World Monetary Guide uses encryption technology to safeguard your credit card data used in electronic transactions. Any personal information you provide to World Monetary Guide is kept on secret servers. The company uses reasonable administrative, technical, physical, personnel and other relevant management measures (i) to safeguard personal information against loss, theft, infiltration including unauthorized use, disclosure, or modification; and (ii) ensure, maintain the integrity and value of personal information. In order to do this and protect your privacy, you should maintain and safeguard the secrecy of the logon ID and password you set up in connection with your programme participation I this Web site's service and adhere strictly to our TACS principle and (or) provisions.
7. UPDATING AND ACCESSING YOUR PERSONAL INFORMATION
   Make sure your personal information on this Web site is updated in terms of periodical changes of address, phone number, e-mail address, Marital status-where applicable. To access, review, rectify or delete personal information collected about you via this Web site, please click here. All request must include the following information: first name, last name and post /Zip code. World Monetary Guide will make reasonable efforts to accommodate your request, and certain restrictions could also be imposed on a number of requests in fulfilment of legal requirement and conditions such as court orders, or international sanctions.
8. INTERNATIONAL TRANSFER OF PERSONAL INFORMATION
   When you submit your personal information to this Web site, you enter into an implied agreement, which permit World Monetary Guide to (if need be) transfer your personal information to various countries around the globe. In other case, you consent to such transfer by submitting your personal information via this Web site.
9. THIRD PARTY WEB SITE LINK
   World Monetary Guide may provide links to third-party Web sites. Since we do not control third-party sites and are not responsible for any personal information you may provide while on such sites, you are therefore being advice to read the privacy policies on those Web sites before providing your personal information or data on such sites.
10. PRIVACY POLICY MODIFICATIONS
    World Monetary Guide reserves the right to change this privacy policy at any time by posting revisions on this Web page. Such changes will be effective upon posting.
11. NEWSLETTERS AND INTERNATIONAL BANKER-CUSTOMER NEWS MAGAZINE
    With some services, World Monetary Guide gives you the opportunity to receive a related newsletter by email or post. You can at anytime stop receiving a service's newsletter or the International Banker-Customer News Magazine by following the instructions with the newsletter or the IBCN Magazine.
12. ALLERT NOTICES, SECURITY AND STAFF AWARENESS
    World Monetary Guide may from time to time forward notices to alert you of the incidental or vital development either in the entire global financial or monetary system, internet/Web scam by fraud stars and so forth. When you receive alert notice or notices, you may be required to enter certain personal information on your Web site in order to protect your site from such intruders to your Web link or connection. Such alert notices comes to you as a result of World Monetary Guide's development of strict corporate and non-corporate policies governing information technology to enhance areas such as access control, authentication, audit, monitoring, alarms, data storage and back up, transmission standards and environmental integrity. World Monetary Guide's Staff are subject to a code of conducts, which requires them to adhere to privacy principles and World Monetary Guide has a privacy compliance programme.
13. NEWS PAPERS AND BOOKS ON LINE
    You will be required to enter your personal information/data any time you register or subscribe to buy either World Monetary Guide's Newspapers, Magazines or books on line. When you enter your personal details a special password or pin will be issued to you and you will be required to enter such password anytime you intend to logon to access our products and services on line.
14. ADVERTISING ON OUR WEB SITES
    Where advertising is served on to our Web sites there may be cookies used to collect technical information and generic usage information but third party advertisers will not be able to relate this to you as an individual without your consent.
15. RESTRICTED DATA SETS
    If you contract for a service in your own name (other than that of your company) and that service involves the supply of trade, pricing or other financial data, your name may be included in World Monetary Guide's Directory of Subscribers in order that the data providers can select or restrict who can view their data.
16. CREDIT CHECKS
    For some instances, World Monetary Guide may carry out credit checks with credit reference agencies on customers for some fee-paying products. This will have direct effect on you if contracting in your own name. The end result of such checks (negative or positive) will appear on the agency register against your name. In many countries you can obtain a copy of your register entry by writing to the credit reference agency. This process may attract a fee paid to the agency. World Monetary Guide does not and will not influence the result of personal data or information registered against you by the agency other than data supplied against you as a result of business or operational reasons.
17. DIGITAL SIGNATURE AND CERTIFICATES
    In terms of product with digital certificates/certificate signatures used by you, your name and related details may be displayed as part of any certificate issued to you. It will be seen by those to whom your certificate or signature is presented for some form of transaction at any point in time. Your details may also need to be entered into a related status directory of World Monetary Guide's issued certificates.
18. MAIL INTERCEPTION
    World Monetary Guide may intercept some mail and email addressed to individuals in World Monetary Guide, its staff and others for some security reasons, which may enhance detection of crime and correct identification of their recipients or for operational purposes. This process will enable mails to receive prompt attention particularly in the absence of a staff. Emails could be rejected, delayed or removed particularly, disruptive quality mails, which may or intended to, pose security risk in terms of attachments, content, and viruses. World Monetary Guide may also filter out emails that contain certain offensive content, unwanted or Spam. In certain unavoidable circumstances, this may unfortunately result in "normal" emails being affected but we do try and reduce such occurrences by monitoring our operational systems effectively.
19. FINANCIAL AND GENERAL NEWS REPORTING
    As part of services we provide, World Monetary Guide gathers and stores what we consider as personal data. This is used for news reporting, opinion polls on our News Paper publications, Magazines, Books, the Web site news presentations and related research. This privacy notice does not focus on that type of use but to clarify how your personal data may be handled systematically.
20. WORLD MONETARY GUIDE GROUP (WOMOGU GROUP)
    World Monetary Guide group means World Monetary Guide and subsidiaries or corporate entities as they exist from time to time and in which World Monetary Guide has direct or indirect ownership interest of over 50%. Some of these companies (like Globust, IBP…) need not have the words "World Monetary Guide" attached to their corporate names but may use other brands that will be communicated as they emerge. Under normal circumstances, we believe, such companies have their own privacy policies for data they collect themselves. Users will then be presented with their policies/notices on registration for those subsidiary services.
    
    World Monetary Guide's office is primarily responsible for managing the registration data, except in relation to a few services where World Monetary Guide Inc. is responsible. Where your employer subscribed for the service on your behalf, details of your data manager will be available from your employer. Where the local World Monetary Guide Company is out side the EU, its representative in the European Union is World Monetary Guide Limited. World Monetary Guide Limited is primarily responsible for managing usage and traffic data. Other regional representatives such as World Monetary Guide Asia, World Monetary Guide Oceanic and World Monetary Guide Inc. are responsible to co-ordinate the preliminary data they collect, before transfers to the central data management office in Europe.
21. WORLD MONETARY GUIDE'S MESSAGING AND SIMILAR SERVICES
    World Monetary Guide Messaging is a real-time communication tool designed to give you access to your key market and industry and financial institutions contacts anywhere in the world. You can save a great deal of time, effort and work more efficiently by choosing to share your information with varied users of World Monetary Guide Messaging.
    
    This is a dynamic tool for those who have registered for World Monetary Guide's professional practitioners in particular; i.e "Professional Practices Worldwide". A tool, that generate an additional value to your revenue and promote international professionalism in a wide spectrum of practices ranging from "A-Z". When you register in a particular group of professional interest. World Monetary Guide can make your personal or private data available to interested third parties who will then carry out direct contact to carryout a certain business transaction with you. World Monetary Guide does not, and will not be concern with whatever transaction a third party is undertaking with you through the material or information you submit through the service. It is possible that those outside the World Monetary Guide service will obtain or contact you via your messaging address even if you are ex-member in the World Monetary Guide Directory. If you have given out your messaging address (like those on complementary or business cards), or they got it from another sources, may amount to messages passing through to you possibly, concerning the service you agree to the receipt of messages and very unexpected contacts.
    
    Users agree to comply with the rules therein in order to maintain the quality of the user experience. World Monetary Guide will take complaints about other users conduct and privacy seriously and you can raise such complaints at any time via the Contact Us button. Other materials you post on interactive forums or chartrooms in World Monetary Guide services will be posted alongside your user name and will be seen by other users of the World Monetary Guide service in which the chat room is contained. In some limited circumstances we use extracts from chat rooms to encourage others to join the program.
    
    
22. SEMINARS, SYMPOSIA AND CONFERENCES
    The data you will supply on this Web site when you sign on to register for any Seminar, Symposia and Conferences from time to time will be securely protected. Every Credit or Bankcard information will be safeguarded from fraudulent hands.
23. FREQUENTLY ASK QUESTIONS
    From time to time, World Monetary Guide will highlight more details about the way we use data in a particular World Monetary Guide Group service, which may be in form of notice or statement provided to you as part of that service. If you have any questions about World Monetary Guide privacy /data protection policy do not fail to contact; privacy.queries@womogu.com. If you have a question regarding the use of data in a particular service, or you wish to see or change your data please contact: support.international@womogu.com. The law often allows you to write and ask to see and correct the information held about you, 'which sometimes attract fee payment. Please see terms and conditions accordingly.