\n
Een ‘social’ cryptomunt?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n De cryptomunt zou het per 2020\u00a0 mogelijk moeten maken om betalingen op Facebook en ook Whatsapp en Instagram gemakkelijk uit te voeren. Het is de bedoeling dat de munt erkend wordt en je er ook producten of rekeningen met de cryptomunt kunnen gaan betalen anders dan het gebruik als ‘cryptotikkie’.<\/p>\n
Calibra\u2019s benadering van\u00a0 Consumer Data Privacy (officieel beleid)<\/h2>\n Calibra is being designed with a strong commitment to protecting customer privacy. We believe that customers hold rights to their data and should have simple, understandable, and accessible data-management controls. Aside from limited cases, Calibra will not share account information or financial data with Facebook, Inc. or any third party without customer consent. For example, Calibra customers\u2019 account information and financial data will not be used to improve ad targeting on the Facebook, Inc. family of products. The limited cases where this data may be shared reflect our need to keep people safe, comply with the law, and provide basic functionality to the people who use Calibra.<\/p>\n
For example:
\u25e6 Compliance with the law. Data may be shared to comply with legal or regulatory requirements, including sharing with law enforcement, regulators, and\/or government officials, or in response to a valid legal request.<\/p>\n
\u25e6 Payment processing and service providers. When you authorize a payment, we share data with third parties necessary to process that transaction. We also share Calibra customer data with managed vendors and service providers \u2014 including Facebook, Inc. \u2014 that support our business (e.g., to provide technical infrastructure or direct payment processing). In both cases, we share only the Calibra customer data that is necessary for completing the defined activity or service.<\/p>\n
\u25e6 Aggregated data: Calibra may share aggregated data to Facebook, Inc. or third parties relating to the performance of its products and services. An example of this is a chart showing the total number of users of the service. Calibra will use techniques to prevent the aggregated data from being connected back to an individual.<\/p>\n
Calibra: Customer Commitment<\/strong><\/p>\n\u2022 Calibra will use Facebook, Inc. data to comply with the law, secure customers\u2019 accounts, mitigate risk, and prevent criminal activity. Beyond these cases, if a Calibra product feature can be personalized or
\u25e6 For example, people may choose to import their Facebook friend list into Calibra to make sending money easier. This import will not be automatic \u2014 we will obtain in-product customer consent.<\/p>\n
\u2022 Calibra will use aggregated Facebook, Inc. data that is not linked to your Calibra account to improve the Calibra product.<\/p>\n
\u25e6 For example, we may use Facebook, Inc. data to see which regions have broader internet adoption.<\/p>\n
\u2022 Calibra will use customer data to facilitate and improve the Calibra product experience, market Calibra products and services, comply with legal and regulatory obligations, and ensure safety, security, and integrity. We may also use customer data to conduct research projects related to financial inclusion and economic opportunity with, for example, academic institutions and NGOs, though any published\u00a0 results will only contain aggregated statistics.<\/p>\n
\u2022 Calibra will be transparent by offering customers choice and control using clear, simple language and easy-to-find privacy controls that detail what data is collected, used, and shared, and for what purposes. \u2022 Calibra believes that control over an individual\u2019s data doesn\u2019t stop at data use and that customers should be able to use their data for their own purposes and with other services. In compliance with data protection principles and regulations, and where technically feasible, Calibra is committed to finding ways in which people can obtain the personal, financial, and transactional data they provide to Calibra and take it with them to other services.<\/p>\n
Calibra\u2019s benadering van Compliance<\/h2>\n Calibra is committed to keeping illicit activity off the platform and working with law enforcement globally.<\/em><\/p>\n\u2022 Calibra will conduct a risk assessment on the basis of guidelines issued by the Financial Action Task Force (FATF), the global standard-setting body for Anti-Money Laundering and Countering the Financing <\/em>of Terrorism (AML\/CFT), as well as applicable regulators. The risk assessment will identify the threats and vulnerabilities of Calibra and craft a thoughtful and robust response including oversight structures, <\/em>controls implementations, monitoring, and audits. <\/em><\/p>\n\u2022 Calibra is building a robust global compliance and risk-management program to fulfill its applicable obligations:<\/em><\/p>\n\u25e6 Calibra will implement a robust Anti-Money Laundering and Countering the Financing of Terrorism (AML\/CFT) program on its platform wherever the product is available, irrespective of whether local<\/em>regulations have applied AML laws to cryptocurrency wallets.<\/em><\/p>\n\u25e6 Calibra will not be available in jurisdictions that have banned cryptocurrencies.<\/em><\/p>\n\u25e6 In the U.S., Calibra has registered as a Money Service Business with the U.S. Department of the <\/em>Treasury and is obtaining licenses in those U.S. states that treat cryptocurrencies as the equivalent <\/em>of money in their regulation of money transmission.<\/em><\/p>\n\u25e6 In the EU, Calibra will operate an anti-money laundering program under the money laundering <\/em>directives.<\/em><\/p>\n\u25e6 Calibra may integrate with cryptocurrency exchanges, but will not act as an exchange.<\/em><\/p>\n\u2022 Calibra will ensure compliance with AML\/CFT requirements and best practices when it comes to identifying Calibra customers (know your customer [KYC] requirements) by taking the following steps:<\/em>\u25e6 Require ID verification (documentary and non-documentary).<\/em>\u25e6 Conduct due diligence on customers commensurate with their risk profile.<\/em>\u25e6 Apply the latest technologies and techniques, such as machine learning, to enhance our KYC and AML\/CFT program.<\/em>\u25e6 Report suspicious activity to designated jurisdictional authorities.<\/em><\/p>\n\u2022 Calibra will do its part to facilitate the efficacy of international sanctions regimes. We will administer and enforce applicable sanctions programs including, for example, U.S., EU, and U.N. sanctions programs.<\/em><\/p>\nCalibra\u2019s Approach to Consumer Protections<\/em><\/p>\nAuthorities charged with consumer protection have an important role to play in ensuring that all consumers, including the most vulnerable, can safely take advantage of financial innovation. Calibra is committed to<\/em>partnering with consumer protection authorities to ensure the safety and accessibility of its product. In addition to working with authorities to protect Calibra customers, we are also developing resources focused<\/em>on protecting individual customers from undue risk on our platform. <\/em><\/p>\nThese will include: <\/em><\/p>\n\u2022 Consumer protection resources:<\/em>\u25e6 Online consumer education.<\/em>\u25e6 Clear statements of consumer rights.<\/em>\u25e6 Guidance on how and where to exchange between Libra and fiat currency.<\/em>\u2022 Customer service resources:<\/em>\u25e6 Applying artificial intelligence (AI) and machine learning (ML) technology to help guide customers with prompts.<\/em>\u25e6 Customer support for inquiries, assistance, and complaints.<\/em>\u25e6 Customer support available in multiple languages.<\/em>\u2022 Anti-fraud resources:<\/em>\u25e6 Deployment of automated fraud prevention tools that proactively monitor for fraudulent activity,<\/em>supported by fraud operations personnel.<\/em>\u25e6 Protection and refunds in the event of unauthorized transactions: in the event we find an unauthorized transaction has taken place, Calibra will offer the appropriate party a full refund.<\/em>\u25e6 Dedicated team to implement mitigation measures to combat fraud and risk.<\/em><\/p>\nThe Relationship Between Libra and Calibra<\/em>\u2022 The Libra Association is separate from Calibra and Facebook.<\/em>\u2022 The open-source software that implements the Libra Blockchain was initially built by a group of Calibra<\/em>engineers. It has been contributed to the Libra Association under standard open-source terms.<\/em>\u2022 Facebook teams played a key role in the creation of the Libra Association and the Libra Blockchain, working with the other Founding Members. While final decision-making authority rests with the association, Facebook is expected to maintain a leadership role through 2019. Facebook created Calibra, a regulated subsidiary, to ensure separation between social and financial data and to build and operate services on its behalf on top of the Libra network. Once the Libra network launches, Facebook, and its affiliates, will have the same commitments, privileges, and financial obligations as any other Founding Member. As one member among many, Facebook\u2019s role in governance of the association will be equal to that of its peers.<\/em>\u2022 For background on the Libra ecosystem, please see this introductory white paper. \u2022 For a broader policy and regulatory discussion of Libra, please see Libra\u2019s Commitment to Compliance<\/em>and Consumer Protection.<\/em><\/p>\nThese are the principles that will guide us as we\u2019re building Calibra. We\u2019re just getting started, and, as with any new product, we may come across challenges that we haven\u2019t anticipated. We plan to update this Customer Commitment as we prepare to launch Calibra in 2020.<\/em><\/p>\n <\/p>\n\u00a0<\/figcaption><\/figure>\n <\/p>\n","protected":false},"excerpt":{"rendered":"
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