Privacy Policy
The Costshub Limited, incorporated in the Republic of Ireland (Company Number 737127) and trading as SettleNow ("SettleNow", "We", "Us", "Our"), understands that your privacy is important to you. We are committed to protecting your personal data and respect your privacy when you visit our website, www.settlenow.cloud ("Our Website"). This policy outlines how we collect, use, and share your personal data, ensuring we comply with our legal obligations and your rights under Irish data protection law, including the General Data Protection Regulation (EU) 2016/679 ("GDPR").
Please read this Privacy Policy carefully. If you do not agree with its terms, please stop using Our Website immediately.
1. Definitions and Interpretation
In this policy, the following terms have specific meanings:
"Account" means an account required to access and/or use certain areas and features of Our Website.
"Cookie" means a small text file placed on your computer or device by Our Website when you visit certain parts of it or use certain features. Details of the Cookies used are in Section 13.
"Cookie Law" means the relevant parts of the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (S.I. No. 336 of 2011), and any subsequent amendments.
"Personal Data" means any data relating to an identifiable person who can be directly or indirectly identified from that data. This includes personal data you provide to Us via Our Website. This definition incorporates the definitions provided in the GDPR.
"We/Us/Our" refers to The Costshub Limited, trading as SettleNow.
2. Information About Us
2.1. Our Website is owned and operated by The Costshub Limited, trading as SettleNow.
2.2. The Costshub Limited is incorporated in the Republic of Ireland. Our company number is 737127. Our Registered Office is at Unit 3c, Swords Business Park, Swords, Dublin, Ireland.
2.3. For data protection queries, our Data Protection Officer can be contacted by email at hello@settlenow.cloud, or by post at The Costshub Limited, Unit 3c, Swords Business Park, Swords, Dublin, Ireland.
3. What Does This Policy Cover?
This Privacy Policy applies only to your use of Our Website. Our Website may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites. We advise you to check the privacy policies of any such websites before providing any data to them.
4. Your Rights
As a data subject, you have the following rights under the GDPR, which this Policy and Our use of Personal Data are designed to uphold:
4.1. The right to be informed: About Our collection and use of your Personal Data.
4.2. The right of access: To the Personal Data We hold about you (see Section 12).
4.3. The right to rectification: If any Personal Data We hold about you is inaccurate or incomplete (please contact Us using the details in Section 14).
4.4. The right to erasure (the right to be forgotten): To ask Us to delete any Personal Data We hold about you. We only hold your Personal Data for a limited time, as explained in Section 6, but if you would like Us to delete it sooner, please contact Us using the details in Section 14.
4.5. The right to restrict processing: To prevent the processing of your Personal Data.
4.6. The right to data portability: To obtain a copy of your Personal Data to re-use with another service or organisation.
4.7. The right to object: To Us using your Personal Data for particular purposes.
4.8. Rights with respect to automated decision-making and profiling.
If you have any concerns or complaints about Our use of your Personal Data, please contact Us using the details provided in Section 14. We will do Our best to resolve the issue. If we are unable to help, you also have the right to lodge a complaint with the Data Protection Commission (DPC) in the Republic of Ireland. For further information about your rights, please visit the DPC website at www.dataprotection.ie.
5. What Data Do We Collect?
5.1. Depending on your use of Our Website, we may collect some or all of the following personal and non-personal data (please also see Section 13 on Our use of Cookies and similar technologies):
Name
Business/company name
Job title
Profession
Contact information such as email addresses and telephone numbers
Demographic information such as postcode, preferences, and interests
Financial information such as credit/debit card numbers (where applicable for services)
IP address
Web browser type and version
Operating system
A list of URLs starting with a referring site, your activity on Our Website, and the site you exit to
6. How Do We Use Your Data?
6.1. All Personal Data is processed and stored securely, for no longer than is necessary for the purpose(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security, please see Section 7.
6.2. Our use of your Personal Data will always have a lawful basis. This will typically be because:
It is necessary for Our performance of a contract with you.
You have consented to Our use of your Personal Data (e.g., by subscribing to emails).
It is in Our legitimate interests (and these interests do not override your fundamental rights and freedoms).
Specifically, we may use your data for the following purposes:
Providing and managing your Account.
Providing and managing your access to Our Website.
Personalising and tailoring your experience on Our Website.
Supplying Our products and/or services to you (please note that we require certain Personal Data to enter into a contract with you).
Personalising and tailoring Our products and/or services for you.
Replying to emails or other communications from you.
Supplying you with emails and newsletters that you have opted into (you may unsubscribe or opt-out at any time).
Conducting market research.
Analysing your use of Our Website and gathering feedback to continually improve Our Website and your user experience.
For internal record-keeping and administrative purposes.
6.4. With your permission and/or where permitted by law, we may also use your data for marketing purposes. This may include contacting you by email, telephone, and/or post with information, news, and offers on Our products and/or services. We will not send you any unsolicited marketing or spam and will take all reasonable steps to ensure that we fully protect your rights and comply with Our obligations under the GDPR and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011.
6.5. Third parties whose content appears on Our Website may use third-party Cookies. Please note that we do not control the activities of such third parties, nor the data they collect and use. We advise you to check the privacy policies of any such third parties.
6.6. You have the right to withdraw your consent to Us using your Personal Data at any time, and to request that We delete it.
6.7. We do not keep your Personal Data for any longer than is necessary for the purpose(s) for which it was first collected. Data will therefore be retained for the following periods, or its retention will be determined on the following bases:
6.7.1. Name, company, position, and contact details will be retained for up to 3 months after an enquiry has concluded, unless further engagement or a contractual relationship is established.
6.7.2. Data related to active customer accounts will be retained for the duration of the customer relationship and for a period of up to 5 years after the relationship ends, to comply with legal and accounting obligations in the Republic of Ireland.
6.7.3. Data collected via cookies will be retained according to our Cookie Policy (see Section 13).
7. How and Where Do We Store Your Data?
7.1. We only keep your Personal Data for as long as we need it for the purposes described in Section 6, and/or for as long as we have your permission to keep it.
7.2. Your data gathered from Our Website will primarily be stored within the European Economic Area ("EEA"). If your data is transferred outside the EEA, we will ensure appropriate safeguards are in place (e.g., standard contractual clauses, adequacy decisions) to ensure your data is treated as safely and securely as it would be within the Republic of Ireland and under the GDPR.
7.3. Data security is very important to Us. To protect your data, we have implemented suitable physical, electronic, and managerial measures to safeguard and secure data collected through Our Website.
7.4. Steps we take to secure and protect your data include:
7.4.1. Hosting our website in a secure data centre managed by Hostinger as referenced here: https://support.hostinger.com/en/articles/1583267-where-are-hostinger-servers-located
7.4.2. Using Secure Socket Layer (SSL) technology to encrypt data transmitted between your browser and Our Website.
7.4.3. Implementing access controls and regular security audits.
7.4.4. Ensuring staff are trained on data protection and security.
8. Do We Share Your Data?
8.1. We do not sell your Personal Data to any third parties.
8.2. We may share your data with other companies within Our group for administrative and internal management purposes. This includes Our subsidiaries and/or Our holding company and its subsidiaries, if applicable.
8.3. We may sometimes contract with third parties to supply products and services to you on Our behalf. This may include payment processing, delivery of goods, search engine facilities, advertising, and marketing. In some cases, these third parties may require access to some or all of your data. Where any of your data is required for such a purpose, we will take all reasonable steps to ensure that your data is handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
8.4. We may compile statistics about the use of Our Website, including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such anonymised statistical data with third parties such as prospective investors, affiliates, partners, and advertisers. This data will only be shared and used within the bounds of the law.
8.5. Where we transfer any Personal Data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the Republic of Ireland and under the GDPR. This includes ensuring transfers are made to countries deemed to have adequate data protection by the European Commission, or by implementing appropriate safeguards such as Standard Contractual Clauses.
8.6. In certain circumstances, we may be legally required to share certain data held by Us, which may include your Personal Data. This could be, for example, where we are involved in legal proceedings, complying with legal requirements, a court order, or a governmental authority request.
9. What Happens If Our Business Changes Hands?
9.1. We may, from time to time, expand or reduce Our business. This may involve the sale and/or the transfer of control of all or part of Our business. Any Personal Data that you have provided will, where it is relevant to any part of Our business being transferred, be transferred along with that part. The new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
9.2. In the event that any of your data is to be transferred in such a manner, we will endeavour to inform you in advance.
10. How Can You Control Your Data?
10.1. When you submit Personal Data via Our Website, you may be given options to restrict Our use of your data. In particular, we aim to give you strong controls over Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us, which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details).
11. Your Right to Withhold Information
11.1. You may access certain areas of Our Website without providing any data. However, to use all features and functions available on Our Website, you may be required to submit or allow for the collection of certain data.
12. How Can You Access Your Data?
You have the right to ask for a copy of any of your Personal Data held by Us. We will respond to your request within one month. We will not charge a fee for this service, unless your request is manifestly unfounded or excessive, in which case we may charge a reasonable fee or refuse the request. Please contact Us for more details at hello@settlenow.cloud, or using the contact details in Section 14.
13. Our Use of Cookies
Our Website may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Website and to provide and improve Our products and/or services. In addition, Our Website may place and access certain third-party Cookies. Third-party Cookies are those placed by websites, services, and/or parties other than Us. We use third-party Cookies for analytics and marketing purposes.
Before Cookies are placed on your computer or device, you will be shown a pop-up requesting your consent to set those Cookies. By giving your consent, you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies. However, certain features of Our Website may not function fully or as intended.
14. Contacting Us
If you have any questions about Our Website, or this Privacy Policy, please contact Us by email at hello@settlenow.cloud or by post at The Costshub Limited, Unit 3c, Swords Business Park, Swords, Dublin, Ireland. Please ensure that your query is clear, particularly if it is a request for information about the data we hold about you.
15. Changes to Our Privacy Policy
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Website, and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Website following the alterations. We recommend that you check this page regularly to keep up-to-date.
