Privacy Policy

Your privacy is important. This Privacy Policy explains how we collect, use, store, and share personal information when you access or use the Platform and associated services. By using the Platform, you confirm that you have read and accept this Privacy Policy.

The Platform operates under applicable law. This Privacy Policy clarifies our practices but does not alter or create contractual obligations beyond those set out in the Terms & Conditions (the "Terms"), which also govern your use of the Platform.

1. Introduction and Scope

This Privacy Policy applies to all individuals and entities using the Platform, including those creating accounts, performing transactions, or interacting with any services made available through the Platform. It explains the types of personal information we may collect, how it may be used, the circumstances under which it may be shared, and your rights regarding that information.

The Platform is operated by a company incorporated under Estonian law. For operational, regulatory, and legal reasons, the exact entity details are referenced in the Terms. This Privacy Policy complements those Terms and does not replace or override any obligations outlined there.

Accessing or using the Platform constitutes agreement to this Privacy Policy. If you do not agree with the practices described here, you must not use the Platform.

2. Information We Collect

When you use the Platform, we may collect personal information through multiple channels, including information you provide directly, information generated automatically through your interactions with the Platform, and information obtained from third parties for verification, risk management, or regulatory purposes.

Information you provide: This includes details such as your name, email address, phone number, payment or bank account information, identity verification documents, and any other data you submit when creating an account, making a transaction, or communicating with our support team.

Information generated automatically: Technical data may be collected when you access or interact with the Platform. This includes your IP address, device type, browser type, operating system, geolocation (where permitted), and patterns of use or interaction. Cookies and similar technologies may be used to improve Platform functionality, analyze trends, prevent fraud, and enhance user experience.

Information from third parties: We may receive personal information from partners, service providers, or publicly available sources to verify identity, prevent fraud, assess risk, or ensure compliance with legal obligations. Examples include payment providers, identity verification services, and regulatory or public databases.

Anonymized or aggregated data: We may derive non-identifiable information from user activity, which may be analyzed for research, reporting, service optimization, and Platform improvements. Such data does not identify individual users.

Purpose of collection: All information is collected solely to provide, secure, maintain, and optimize the Platform, comply with applicable legal and regulatory obligations, prevent fraud or abuse, and maintain the integrity of our services.

Legal basis for processing: Depending on your jurisdiction, processing personal information may be based on the performance of a contract, compliance with legal or regulatory obligations, or our legitimate business interests in operating, securing, and improving the Platform. Where required, we will obtain your consent for processing specific categories of personal information.

3. How We Use Information

The personal information we collect is used to operate, maintain, and improve the Platform and the services offered through it, including processing transactions, verifying identities, facilitating communications, providing customer support, managing accounts, and ensuring the security and integrity of the Platform.

We may also use this information to conduct risk assessments, perform regulatory compliance checks, monitor transactions, detect and prevent fraudulent or unauthorized activity, enforce our policies, and comply with applicable legal and regulatory obligations.

In addition, personal information may be used to analyze usage patterns, improve functionality, develop new features, and enhance the overall performance and reliability of the Platform. We may communicate with users regarding updates, technical notices, security alerts, and other information necessary for the proper operation of the Platform, as well as, where permitted, service-related communications.

Aggregated or anonymized data derived from personal information may be used for analytics, reporting, research, and service improvement purposes without identifying individual users. All use of personal information is aligned with operational needs, regulatory compliance, and the protection of the Platform, its users, and the broader ecosystem. Personal information is not sold for commercial purposes.

4. Legal Bases for Processing Your Information

The collection and use of your personal information are carried out in accordance with applicable data protection and privacy laws. Processing may be necessary to fulfill contractual obligations arising from your use of the Platform, including the execution of transactions, account management, and provision of the services you request. We may also process personal information to comply with legal and regulatory obligations, including anti-money laundering requirements, financial reporting, and other statutory duties imposed by competent authorities.

In certain circumstances, processing is conducted on the basis of our legitimate interests or those of third parties, such as ensuring the security and integrity of the Platform, preventing fraud and unauthorized activity, managing operational risk, and improving the quality, reliability, and functionality of the services offered. Where required by applicable law, we obtain your consent prior to processing specific categories of personal information, and you retain the right to withdraw such consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out prior to such withdrawal and may be subject to limitations where processing remains necessary for legal or contractual purposes.

5. Disclosing Your Personal Information to Third Parties

We may share personal information when necessary to operate, maintain, and improve the Platform, provide the services you request, comply with legal and regulatory obligations, or protect the legitimate interests of the Platform and its users. This may include sharing information with payment processors, financial institutions, identity verification providers, service providers, auditors, or regulatory authorities involved in transaction processing, risk management, or Platform operations. Sharing is strictly limited to what is necessary for these purposes, and recipients are contractually or legally required to implement appropriate safeguards to protect your information.

In certain circumstances, we may disclose personal information to detect, prevent, or investigate fraud, unauthorized activity, or potential violations of law, to enforce our Terms, or to respond to lawful requests from public authorities or judicial bodies. We may also disclose information where necessary to protect the rights, property, or safety of the Platform, its users, or third parties.

We do not sell your personal information for commercial purposes. Any disclosure of personal information is carried out in accordance with applicable data protection laws and is limited to what is proportionate and necessary for the intended purpose.

6. Third-Party Sites and Services

The Platform may include links to, integrations with, or functionality provided through third-party websites, applications, or services ("Third-Party Services"). These Third-Party Services are not operated or controlled by us, and this Privacy Policy does not apply to their practices. Accessing or interacting with such services is done at your own discretion and risk, and you are encouraged to review their respective privacy policies and terms of use before engaging with them.

Where necessary to facilitate a service or transaction you request, limited personal information may be shared with Third-Party Services. Such sharing is conducted in accordance with applicable legal requirements and subject to appropriate contractual or technical safeguards where applicable. However, we do not assume responsibility for the processing of personal information by Third-Party Services, and any such processing is governed solely by the terms and policies of the relevant third party. Your relationship with those services remains independent from the Platform.

7. How We Protect and Store Personal Information

We implement comprehensive administrative, technical, and physical measures designed to safeguard personal information against unauthorized access, disclosure, alteration, or destruction. These measures include, without limitation, secure infrastructure, encryption in transit and at rest, access controls, monitoring systems, and periodic security assessments aligned with applicable industry standards. Access to personal information is strictly limited to employees, contractors, and service providers who require it to perform their duties and who are subject to confidentiality and data protection obligations.

We take reasonable steps to ensure that any third parties processing personal information on our behalf apply equivalent levels of security and protection. While we maintain safeguards appropriate to the sensitivity of the information and the nature of the services, no method of transmission or storage can be guaranteed to be completely secure. By using the Platform, you acknowledge the inherent risks associated with digital systems and accept that absolute security cannot be guaranteed.

Personal information is stored in secure environments and retained only for the period necessary to fulfill operational, legal, and regulatory purposes, in accordance with applicable data protection requirements.

8. Retention of Personal Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including providing the Platform, complying with legal and regulatory obligations, resolving disputes, enforcing agreements, and supporting operational requirements. The applicable retention period may vary depending on the nature of the information, the services provided, and the legal or regulatory framework to which we are subject.

In certain cases, personal information may be retained for longer periods where required to comply with applicable laws, including financial, tax, accounting, or anti-money laundering obligations. Once personal information is no longer required for these purposes, it is securely deleted, anonymized, or rendered inaccessible in accordance with applicable standards.

Retention of personal information does not imply ongoing consent, and your rights to access, correct, or request deletion of your information remain applicable, subject to any legal or regulatory restrictions that may require continued retention.

9. Children's Personal Information

The Platform is not intended for use by individuals under the age of 18, or under the age of majority in their applicable jurisdiction. We do not knowingly collect personal information from children. If we become aware that personal information has been collected from a minor in violation of this policy, we will take prompt steps to delete such information. Parents or legal guardians who believe that a minor has provided personal information through the Platform should contact us without delay so that appropriate measures can be taken.

10. Cross-Border Transfers

The Platform operates internationally, and the personal information we collect may be transferred to, stored, and processed in countries outside your country of residence, including jurisdictions that may not provide the same level of data protection as your home jurisdiction. By using the Platform, you acknowledge and consent to such transfers. Where required by applicable law, we implement appropriate safeguards to ensure that personal information remains protected during international transfers, including the use of contractual protections, recognized data transfer mechanisms, and technical and organizational measures designed to preserve confidentiality and security.

11. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding the personal information we hold about you. These rights may include the right to access, correct, update, or request deletion of your personal information, the right to restrict or object to specific processing activities, and the right to data portability. You may also have the right to withdraw any consent you have previously provided, where processing is based on consent, and to lodge a complaint with a competent data protection authority.

To exercise your rights, you may contact us using the details provided in the Terms & Conditions or through the Platform's support channels. We will respond to such requests in accordance with applicable legal and regulatory requirements and within the timeframes prescribed by law. Certain rights may be limited where processing is necessary to comply with legal obligations, prevent fraud, ensure security, or fulfill contractual commitments. Exercising your rights will not result in unlawful discrimination or denial of access to the Platform, except where such limitation is required for compliance or operational integrity.

12. Updates to this Privacy Policy

We may revise or update this Privacy Policy from time to time to reflect changes in our practices, the Platform, applicable legal or regulatory requirements, or other operational needs. Where changes materially affect how personal information is collected, used, or shared, or otherwise impact your rights or obligations, we will provide notice through the Platform or by other appropriate means.

The "Latest update" date at the beginning of this Privacy Policy indicates when it was last revised. Your continued use of the Platform following any update constitutes acceptance of the revised Privacy Policy. We encourage you to review this Privacy Policy periodically to remain informed about how your personal information is handled.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, the handling of your personal information, or the exercise of your privacy rights, you may contact us through the Platform's support channels or via the contact details provided in the Terms & Conditions.

We will respond in accordance with applicable legal and regulatory requirements and within any timelines required by law. Exercising your privacy rights will not result in any discrimination, penalty, or reduction of access to the Platform, except to the extent necessary to comply with legal, regulatory, or contractual obligations.

For transparency and accountability, please provide sufficient details in your request to enable us to verify your identity and process your inquiry or request efficiently.