Privacy Policy

This privacy policy applies to Kraemer & Kraemer and all its members.

This notice shows our commitment to protect your privacy rights and sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. It applies to:

  • the website/portal features and services provided to you when you visit this website;
  • when you order any of our services and services;
  • email, other electronic messages including SMS, telephone, web chat, website/portal and other communications between you and this website.

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Kraemer & Kraemer endeavors to initially provide you with the key privacy information required by Law. Contact us details are provided at the end of the notice, for feedback or any privacy enquiries you may have.

1. INFORMATION WE MAY COLLECT FROM YOU

You may provide some information to us, for example when you enquire for or make an application for the Kraemer & Kraemer Services, register to use and/or use any Kraemer & Kraemer Services, by filling in forms on our website, participating in one of our webinars or by corresponding with us by phone, e-mail, web chat or otherwise. We may collect some of it through automatic means, for example by using cookies when you visit our website. We may also obtain data about you from third parties, like fraud prevention agencies.

2. USES MADE OF THE INFORMATION

We use the information we collect to provide you with the services we offer, to notify you about changes to our services and to improve our services. We also use this data to provide you with information about other services we or selected third parties offer which are similar to the ones you have used or enquired about, or we think may be of interest to you.

3. DISCLOSURE OF YOUR INFORMATION

We will not disclose your personal data to anyone except as described in this notice.

We may share your personal information with any member of Kraemer & Kraemer, including third parties to provide you with the services we offer, including service providers, credit reference agencies and financial institutions. We may also share your personal information with third parties to prevent crime and reduce risk, if required to do so by Law, where we deem it appropriate to do so, to respond to legal process or to protect the rights or property of Kraemer & Kraemer, our customers or others.

4. WHERE WE STORE YOUR PERSONAL DATA AND DATA SECURITY

The information that we collect from you may be transferred to, stored at and processed by recipients located in destinations outside the European Economic Area (“EEA”). These countries may have data protection standards that are different to (and, in some cases, lower than) those in which you reside. We will take all steps necessary to ensure that the recipients will use and protect your information in the same secure way that we do.

If we have given you (or if you have chosen) a password, access code or any other secure means or access or authentication which enables you to access certain parts of our site, you are responsible for keeping this password confidential and complying with our instructions. You must not share credentials with anyone else, and you authorize Kraemer & Kraemer to act upon instructions and information from any person that enters your credentials.

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 via Email or through our site, unless you are communicating with us through a secure channel that we have provided. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

5. HOW LONG WE KEEP YOUR PERSONAL INFORMATION

Under Panamanian Law, we are required to keep your information for a minimum of 5 years after the professional relationship ends, after which it will be destroyed. If your information is used for marketing purposes it will be kept until you notify us that you no longer wish to receive this information.

6. YOUR RIGHTS

Where applicable, you may have certain rights under data protection legislation, including the right to access, correct, update or delete your personal information; object to or restrict its processing; request to transfer certain of your personal information to another service provider (so called, data portability); or to revoke any consent you have given.

However, please note that there are exceptions to those rights.

7. AUTOMATED DECISION MAKING

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review.

For example, we use automated decisions to complete KYC and AML procedures required by local Laws. However, if you are in the European Union, you have the right to object the automated decision and have it manually reviewed based also on information that you can provide.

You can contact us at the details below to exercise your right.

8. LEGAL BASIS FOR PROCESSING

We will process your personal information only when we have one of the following grounds:

  • On the basis of your consent, for example to send you marketing messages;
  • Where necessary to enter into a contract with you and perform our obligations under that contract;
  • Where we have a legitimate interest, subject to such processing not overriding your own rights and freedoms;
  • Where we have a legal obligation to collect your personal information or otherwise needs your Personal Information to protect your vital interests or those of another person; or
  • Exceptionally, when necessary in the public interest, for example when law enforcement agencies request information to investigate a crime.

9. CHANGES TO OUR PRIVACY NOTICE

Any changes we may make to our privacy notice in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy notice.

10. CONTACT US

All comments, queries and requests relating to our use of your information are welcomed. If you wish to exercise any of your rights or receive further information, you should write to our Data Protection Officer at [email protected] .com or send physical mail to:

Kraemer & Kraemer
Calle 50, Piso 35 Regus, Financial Center Tower
Panama City, Republic of Panama
Attention: Legal