Privacy Policy for PERQ.FINANCE

Effective Date: March 1, 2024

At PERQ.FINANCE (referred to as ”Perq,” ”we,” ”us,” or ”our”), we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, disclose, and protect your data when you use our services through the website https://perq.finance/ (the ”Website”) and any associated applications or services (collectively, the ”Services”).

By accessing or using our Services, you consent to the practices described in this Privacy Policy. Please review this document carefully. If you do not agree with the terms, please discontinue the use of our Services immediately.

1. Information We Collect

We may collect personal information from you when you interact with our Services. The types of personal data we collect include:

Personal Identification Information: This includes your full name, email address, phone number, postal address, and other personal details required during registration or account setup.
Financial Information: Information such as your cryptocurrency wallet address, transaction data, deposit/withdrawal records, and payment details.
Identity Verification Data: As part of our AML (Anti-Money Laundering) and KYC (Know Your Customer) procedures, we may collect documents such as your passport, ID card, driver's license, utility bills, and other documents necessary to verify your identity.
Technical Data: This includes information about your device (IP address, browser type, operating system), geolocation, and usage patterns (e.g., how you navigate the website).
Cookies and Tracking Data: We collect information via cookies and similar tracking technologies to improve your user experience and gather statistical data about website performance. For more details, refer to our Cookies Policy (Section 12).

2. How We Use Your Information

We use your personal information for various purposes, including:

Account Creation and Management: To set up, verify, and manage your User Account, including authentication and account security.
Providing Services: To facilitate digital asset transactions, withdrawals, and other related services, including maintaining your Digital Asset Wallet.
AML and KYC Compliance: To verify your identity and comply with applicable AML/KYC regulations as required by law.
Communication: To send you administrative information, account-related notifications, transaction confirmations, and service updates.
Security and Fraud Prevention: To detect, investigate, and prevent unauthorized access, fraudulent activity, or other malicious behavior.
Marketing and Promotional Purposes: With your consent, we may use your information to send you marketing and promotional materials related to our products and services. You may opt out of receiving these communications at any time (see Section 10).
Legal Obligations: To comply with tax, regulatory, and legal obligations as required by applicable laws and government authorities.

3. Legal Basis for Processing Your Data

We process your personal information under the following legal grounds:

Performance of a Contract: To fulfil our contractual obligations when providing services to you (e.g., facilitating digital asset transactions).
Legal Obligation: To comply with regulatory and legal requirements, such as AML/KYC compliance.
Consent: Where required, we process your personal information based on your consent (e.g., for marketing communications).
Legitimate Interests: To improve our services, enhance security, and provide a better user experience.

4. How We Share Your Information

We do not sell your personal information to third parties. However, we may share your data in the following circumstances:

Service Providers: We may share your information with third-party service providers who perform functions on our behalf, such as identity verification, payment processing, cybersecurity services, and IT support.
Legal Compliance: We may disclose your personal information to law enforcement, regulatory authorities, or other third parties if required by law or in response to legal requests, such as subpoenas, court orders, or regulatory demands.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of the business transaction. In such cases, we will notify you before your data is transferred and becomes subject to a different privacy policy.
Fraud Prevention and Security: We may share your information with third parties to prevent fraud, enforce our Terms and Conditions, and ensure the security of our platform.

5. International Data Transfers

As a global platform, your personal information may be processed outside of your home country, including countries that may not have the same level of data protection as your jurisdiction. We ensure that such transfers comply with applicable legal requirements, such as using appropriate safeguards (e.g., standard contractual clauses approved by the European Commission for data transfers outside the EEA).

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal and regulatory obligations. Specifically:

Account Information: We retain your account information while your account is active and for a reasonable period thereafter.
AML/KYC Data: We may be required to retain certain identity verification data for a specified period (e.g., 5 years) following account closure to comply with AML regulations.

Once data is no longer necessary for these purposes, we will securely delete or anonymize it.

7. Your Rights

Depending on your location and applicable data protection laws, you may have certain rights regarding your personal information, including:

Right to Access: You can request access to the personal information we hold about you.
Right to Rectification: You have the right to request corrections if your information is inaccurate or incomplete.
Right to Erasure (Right to be Forgotten): You can request the deletion of your personal information under certain conditions.
Right to Restrict Processing: You can request that we limit the processing of your personal data.
Right to Data Portability: You may request a copy of your personal data in a structured, commonly used, and machine-readable format.
Right to Object: You can object to the processing of your personal data, including for direct marketing purposes.
Right to Withdraw Consent: Where we rely on consent to process your personal data, you can withdraw your consent at any time.

To exercise any of these rights, please contact us at info@perq.finance. We will respond to your request within the timeframe required by applicable law.

8. Data Security

We take the security of your personal information seriously and have implemented appropriate technical and organizational measures to protect your data from unauthorized access, loss, misuse, or alteration. These measures include encryption, secure servers, firewalls, and restricted access to personal information. However, please note that no method of transmission over the internet or electronic storage is 100% secure.

9. Third-Party Links

Our website or services may contain links to third-party websites or services that are not owned or controlled by PERQ.FINANCE. This Privacy Policy does not apply to such third-party websites or services. We encourage you to review the privacy policies of any third-party websites you visit.

10. Marketing and Communication Preferences

You may choose to receive marketing communications from us regarding our products, services, or promotions. If you no longer wish to receive these communications, you may opt-out by:

Clicking the "unsubscribe" link in the email communications;
Adjusting your preferences within your account settings; or
Contacting us at info@perq.finance.

Please note that even if you opt out of marketing communications, we may still send you transactional or administrative messages, such as notifications related to your account or services.

11. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance user experience and improve our Services. Cookies are small data files stored on your device that help us track user activity, performance metrics, and gather usage data.

Types of Cookies We Use:

Essential Cookies: Necessary for the operation of the Website.
Analytics Cookies: Help us understand how users interact with our platform.
Functional Cookies: Enable personalised features, such as language preferences.

You can manage cookie preferences through your browser settings. For more details, please review our Cookies Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you via email or through the Services. Please review the Privacy Policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

Email: info@perq.finance

Address: Brew Factory Ltd, F2-2A, Oceanic House, Providence Estate, Mahé, Seychelles