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We explore how the world of private lending for trade finance and stablecoins combine to deliver the next chapter of non bank lending. What happens when you don't have the perfect credit score? This episode lays out Haycen's vision for a new global liquidity network and explores some of the use cases that will power this new finance category. We unpack how new technology disrupts - and enhances - traditional forms of financing.
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Haycen Limited ("We") are committed to protecting and respecting your privacy. We will only process your personal data where permitted by applicable data protection laws, including the General Data Protection Regulation ("UK GDPR"). This policy (together with our terms of use) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Personal information is typically data that identifies an individual or relates to an identifiable individual. This includes information clients provide to Haycen for the use of services provided, information that is collected about clients and counterparties automatically or upon request, and information the firm obtains from affiliates and third parties. All this information is either required by law for AML/CFT obligations, necessary to provide the requested services, or is relevant for certain specified purposes as follows:
Clients are requested to further give their explicit, informed, and specific consent in a written form for the processing of personal data which are not within the scope of AML/CFT obligations pursuing Article 4, Sec. 11, and Art. 6 GDPR. Data subjects are always informed of all purposes of processing and Haycen must obtain consent for each of the defined purposes to ensure transparency and execution of rights.
We may collect and process the following data about you:
| Data | Purpose | Legal Basis |
|---|---|---|
| Name, address, e-mail address, company name, phone number | To carry out our obligations arising from any contracts entered into between you (or your employer) and us and to provide you with the information, products, and services that you (or your employer) request from us | Performance of contract; legitimate interest in providing our products and services to you |
| Name, address, e-mail address, company name, phone number | To provide you with information about other products and services we offer that are similar to those that you have already purchased or enquired about | Legitimate interest to develop our products/services and grow our business |
| Name, address, e-mail address, company name, phone number | To notify you about changes to our products or services | Performance of contract; legitimate interest to develop our products/services and grow our business |
| Name, address, e-mail address, company name, phone number | To make suggestions and recommendations to you about goods or services that may be of interest to you | Legitimate interest to develop our products/services and grow our business |
| Name, address, e-mail address, company name, phone number | To process any job application | Consent; performance of a contract |
| Name, address, e-mail address, company name, phone number, shareholder reference number | To maintain the shareholder register, dividend payments, voting, elections, annual report correspondence, identifying relevant products and services | Necessary for compliance with our legal obligations; Legitimate interest for the purpose of administration of our business |
| Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet; your login information, browser type and version, time zone setting, browser plug-in types and versions, operating systems and platform | As part of our efforts to keep our sites safe and secure | Legitimate interest; necessary for the purpose of protecting our systems and for detecting and preventing fraud |
| Education and employment history | To process any job application | Consent |
| Biometric data | Remote verification for KYC purposes | Consent |
Where we intend to process the personal data that you have provided for a purpose other than that for which the personal data was collected, we shall provide you with information on that other purpose and with any relevant further information prior to that further processing.
We may receive information about you from other sources, such as conference organisers and marketing companies. Where we process this information, the legal basis for the processing will be consent. We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).
Our sites use cookies to distinguish you from other users of a site. This helps us to provide you with a good experience when you browse our sites and also allows us to improve our sites. Cookies are small text files which a website may put on your computer or mobile device when you first visit a site or page. We use cookies on our sites to improve their performance and enhance your user experience.
If you do not want to receive cookies, you may choose to opt-out by changing your browser settings. Most browsers allow you to turn off cookies. Switching off cookies may restrict your use of a site and/or delay or adversely affect the way in which it operates.
Listed below are the cookies being used on the Haycen website, their source, and supposed usage:
Cookies that are set by the website and can only be used by the website.
Cookies that are not set by the website owner and are primarily used for analytical data of that service or feature.
From time to time, we may send you information regarding that which we perceive may be of interest to you or your business. You may receive this information by letter, telephone, or email. If at any time you prefer not to receive further communications from us in any or all forms (except in connection with information, products or services that you specifically request) you will have the ability to opt-out from such communications by means of a link provided in emails that are sent to you by us.
We may share your information with selected third parties including:
The data that we collect from you may be transferred to, stored, and processed in any destination where Haycen or its affiliates, subsidiaries, or facilities used by third party service providers have a presence. We will only transfer your data to a country outside the European Economic Area where that country ensures an adequate level of data protection within the meaning of the GDPR.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of a site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
We will implement appropriate technical and organisational measures to protect your data, taking into account the nature, scope, context and purpose of the processing and the risks involved in processing. Unfortunately, the transmission of information via the internet is not completely secure. Although we will seek to protect your personal data, we cannot guarantee the security of your data transmitted to a site; 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 unauthorised access.
The personal data that we collect from you will be stored only for so long as is necessary to fulfil the purpose for which the data was collected, or to comply with applicable legal, tax or regulatory requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
If you have rights under the GDPR, you have the following rights:
Should you wish to exercise any of your rights under the GDPR please contact Haycen at the address detailed below.
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our privacy policy.
Questions, comments and requests regarding this privacy policy should be sent to Haycen Limited, 13 Hursley Road, Chandler's Ford, Eastleigh, Hampshire, England, SO53 2FW, registered in England and Wales no. 12031746.
If you have questions or concerns regarding this Privacy Policy, or if you have a complaint, please contact us by writing to us at the following address dataprotection@haycen.com.
These terms of use tell you the terms on which you may make use of our website. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.
These terms of use refer to our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing, and you warrant that all data provided by you is accurate.
www.haycen.com is operated by Haycen Limited ("We").
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we make, as they are binding on you.
We may update our site from time to time and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the site without notice. We will not be liable to you if for any reason the site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access the site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
We are the owner or licensee of all intellectual property rights on our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You must not use any part of the content on our site for commercial or business purposes without obtaining a licence to do so from us or our licensors.
The content on our site is provided for general information only. It is not intended to amount to advice (including investment advice) on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our sites or any content on them, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
If you are a business user, please note that in particular, we will not be liable for any loss of profits, revenues or anticipated savings (in each case whether direct or indirect), trading losses, or for any consequential, punitive, special or indirect loss or damages whatsoever (including, without limitation, damages for business interruption, loss of business, or other pecuniary loss) arising out of the use of or inability to use our site, even if we have been advised of the possibility of such damages.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our site will be secure or free from bugs or malware. You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own malware protection software.
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the content of those sites or resources.
These terms of use, their subject matter and formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Haycen does not provide services or products in jurisdictions where the provision of such requires a license and accordingly makes no offer of any kind (including with respect to digital assets and/or securities) to persons from such jurisdictions. By continuing to view this website, you acknowledge that you are doing so on your own accord, without any solicitation from Haycen.