This Privacy Policy governs how Stvble Digital (referred to as "we," "us," or "our") collects, uses, processes, stores, and shares information obtained from users of our website, https://stvbledigital.com ("Website"), to provide the services available through the Website (referred to as "Services"). This Privacy Policy complies with the EU General Data Protection Regulation (GDPR), the ePrivacy Directive, and The Data Protection Act, aligning with other relevant legal regulations, as we operate within the European Economic Area (EEA). We highly value the privacy of all Website users and ensure that any Personal Data we collect is treated confidentially and in accordance with applicable laws and regulations. This Privacy Policy covers the Website, Services, and products offered by Stvble Digital, whether accessed through the Website, mobile application, or through correspondence with us (such as via email or messaging forms on the Website). By using the Website, our Services, and products, as well as by contacting us, you provide your consent to abide by the terms of this Privacy Policy. When creating an Account on the Platform and clicking the confirm-checkbox, you explicitly consent to the terms of this Privacy Policy and all data practices described within, including the processing, storage, and usage of your Personal Data, as outlined in the User Agreement. If you do not agree with this Privacy Policy, it is advisable to refrain from using our Website, mobile application, Services, or opening an Account. Note that this Privacy Policy is an integral part of our Terms of Service. For any inquiries or requests related to this Privacy Policy or your Personal Data, please contact our Data Protection Officer at [email protected].

The General Data Protection Regulation (GDPR) is a comprehensive EU law governing privacy and data protection. It introduces more detailed privacy safeguards within an organization's systems, requires nuanced data protection agreements, and mandates consumer-friendly and comprehensive disclosures regarding an organization's privacy and data protection practices. The GDPR is applicable to the processing of Personal Data, either fully or partially through automated means, as well as the processing of Personal Data by non-automated means, provided that the data either belongs to a filing system or is intended to be part of one. In general, GDPR requirements are applicable to all companies, institutions, and organizations involved in the processing of Personal Data.

The General Data Protection Regulation (GDPR) is a legal framework governing the processing of Personal Data by organizations. "Personal Data" is broadly defined as any information related to an identified or identifiable individual, encompassing not only basic identifiers like names and email addresses but also sensitive categories such as racial or ethnic origin, political opinions, and health data. "Processing" refers to all operations on Personal Data, whether manual or automated, including collection, storage, use, disclosure, and deletion. The GDPR establishes strict privacy safeguards and obligations for entities handling Personal Data, emphasizing the protection of individuals' privacy and data rights.

The GDPR is a significant privacy and data protection law that applies to organizations globally, not just those located within the European Union (EU). This means that Stvble Digital, in accordance with GDPR requirements, may process personal data from individuals around the world, including those in the EU, who use our services. We take data protection seriously and are committed to ensuring that your personal data is handled with the utmost care and in compliance with all applicable laws and regulations. Under the GDPR, personal data is broadly defined as any information related to an identified or identifiable individual. It includes various types of information, from basic details like names and email addresses to more sensitive data such as health information or even IP addresses. Additionally, certain categories of personal data, such as information about one's race, religion, health, or criminal record, receive enhanced protection. The GDPR governs how we process your personal data and imposes strict obligations to protect your privacy. By using our website and services, you consent to our compliance with the GDPR and our commitment to safeguarding your personal information. We value your trust and encourage you to review our full Privacy Policy for a comprehensive understanding of how we collect, use, and protect your data. If you have any questions or requests regarding your personal data, please don't hesitate to contact our Data Protection Officer at [email protected]. Your privacy matters to us, and we are here to assist you with any privacy-related concerns you may have.

We aim to maintain complete transparency regarding the handling of your Personal Data. As delineated in this Privacy Policy, our collection, storage, and utilization of your Personal Data are governed by specific purposes. We have meticulously outlined the categories of Personal Data we may gather and provided comprehensive explanations for the reasons and methodologies behind their use. Furthermore, in the course of providing our services, we may enlist the assistance of third-party software and tools offered by independent service providers, herein referred to as "Service Providers." These Service Providers may also collect Personal Data from our Users. The protocols governing the acquisition, processing, storage, and utilization of this Personal Data are stipulated in the respective Privacy Policies of these Service Providers. In our commitment to ensuring complete transparency, we have furnished links to the privacy policies of select Service Providers for your review:

Please note that this compilation of Service Providers is not exhaustive and remains subject to potential changes and additions. Regardless of any modifications, we encourage Users to readily access and review the privacy policies of Service Providers that collaborate with Stvble Digital on their respective official websites.

Personal Data Provided During Registration: When you register with us, you may provide the following personal information: your contact details, including your name, address, email address, and telephone number(s); and your identification details, such as your date of birth, gender, and residential address.

Know Your Customer (KYC) Data: We may collect KYC information from you, third parties, or publicly available sources. This data may include details from your passport or another government-issued identity document, such as document numbers and expiration dates, as well as your photograph. Additionally, we may gather documents confirming the source of your funds and the results of KYC or Politically Exposed Person (PEP) checks, including information obtained from our suppliers.

Account-Related Personal Data: As part of your account setup, you may provide us with certain personal information, including your chosen password and your preferences related to your account and marketing.

Data Related to Service Usage: We collect data pertaining to your use of our Services, including details of your orders, instructions, and transactions conducted through your account(s). This includes information about transfers to and from third-party banks or financial institutions, payment card details, transaction amounts, origins or beneficiaries, and timestamps. We may also collect data about the digital device you use to access our Services, such as device type, operating system, screen resolution, unique device identifiers, and mobile network system. This information may also encompass your IP address, login times, and communication with us through email, telephone, messaging, online chats, social media, or other channels. We track whether you have interacted with links in electronic communications from us and gather data on your responses to our surveys.

Third-Party Data: To facilitate your registration as a customer or the provision of our Services, we may collect personal information from third parties. This can include data related to payments to or from your accounts, which may be provided by payment processing services, banks, card schemes, and other financial service providers. We may also obtain data from credit reference agencies or fraud prevention agencies.

Data Collected Through Website Usage: When you use our website, whether or not you have registered for our Services, we automatically collect certain data. This includes information about your device, such as its operating system, unique identifiers, and mobile network details. We also capture hardware and browser settings, as well as details about your visits to our website, including the pages you view, visit duration, interactions with the page (e.g., clicks and mouse-overs), methods of navigating away from our website, and search engine terms you employ. Your IP address is also logged.

Data from Organizational Representatives: We may collect personal data from individuals representing organizations, such as our corporate customers and suppliers. This data typically includes names, roles, and contact information for these individuals, along with any additional personal data exchanged in correspondence with them.

We collect and process various types of Personal Data to ensure the provision, functionality, security, and improvement of our Services, as well as to meet regulatory requirements. Here's how we utilize different categories of Personal Data:

Personal Data Provided During Registration: When you register with us, we use this information to process your registration request, onboard you as a customer, provide our products and Services, manage and administer your account, and communicate with you regarding your account and our Services. Additionally, we may use this data to send you personalized offers related to our Services and products.

Know Your Customer (KYC) Data: KYC data is crucial for regulatory compliance. We use this data to conduct regulatory checks, fulfill obligations to our regulators, verify the authenticity of our customers, and prevent and detect fraud, money laundering, and other criminal activities.

Account-Related Personal Data: Personal Data provided as part of your account with us is primarily used for managing and administering your account and communicating with you regarding it and our Services.

Data Related to Service Usage: Information related to your use of our Services helps us manage and improve our systems. We may use this data to verify your location and device to prevent fraud, enhance our Services based on user behaviors and technical capabilities, address issues or concerns, and monitor customer communications for quality and training purposes.

Data Collected from Third Parties: Personal Data obtained from third parties is used to manage our Services and systems, as well as to assist in preventing and detecting fraud.

Data from Website Usage: Information collected through your use of our website is valuable for various purposes. It aids in developing new Services, identifying website issues, monitoring website usage patterns, and conducting statistical analysis and research to better understand customer demographics and preferences.

Data from Individuals Representing Organizations: Personal Data gathered from individuals representing organizations is utilized to provide Services and products, establish business relationships and collaborations, deliver marketing communications, improve existing Services, and obtain necessary services for our business operations.

Our use of Personal Data is carried out in accordance with applicable data protection regulations and is designed to enhance the quality of our Services, protect against fraud, and improve user experiences.

As a user, you have several rights concerning the management of your Personal Data, including the following:

Right to be informed: You have the right to be informed about the collection and use of your Personal Data. This includes knowing who is collecting and processing your data, the purposes for processing, how long your data will be retained, and with whom it may be shared.

Right to Access: You can request confirmation regarding whether your Personal Data are being processed, along with details about the purposes of processing, the categories of data collected, and the recipients with whom your data may be shared.

Right to Rectification: If your Personal Data are inaccurate or incomplete, you have the right to request their rectification or completion.

Right to Erasure ("Right to be Forgotten"): You have the right to request the deletion of your Personal Data when they are no longer necessary for the purposes for which they were collected, or if there is no other legal basis for their processing.

Right to Restriction of Processing: You can ask us to limit the further processing of your Personal Data, allowing such processing only with your separate consent in each case.

Right to Data Portability: You have the right to receive your Personal Data in a structured, commonly used, and machine-readable format and may transmit this data to another controller where technically feasible.

Right to Object: You can object to the processing of your Personal Data at any time if there are no legitimate grounds for processing that outweigh your interests, rights, and freedoms or if it is for the establishment, exercise, or defense of legal claims.

Right to Withdraw Consent: You have the right to withdraw your consent for the processing of your Personal Data at any time. You can request us to cease accessing, storing, using, or otherwise processing your data if you believe we lack the proper rights to do so.

Right to Non-Discrimination: We will not discriminate against you for exercising your rights under applicable data protection laws.

To exercise any of these rights or seek further information, please contact our Data Protection Officer at [email protected] . We are committed to addressing your requests and inquiries promptly and in accordance with applicable data protection regulations.

Kindly be advised that in the event you have provided explicit consent for receiving marketing communications, you retain the right to withdraw such consent at any juncture. Additionally, the option to unsubscribe from our marketing communications is at your disposal. It is important to note that periodic contact may be necessary for matters pertaining to operational issues or compliance with the terms of our agreement. Please be aware that these communications will not constitute marketing endeavors; rather, they will be conducted under the umbrella of legitimate interests, serving the purpose of addressing operational requirements or fulfilling our contractual obligations to you.

We are obligated to collect specific categories of Personal Data in order to fulfill our legal obligations related to anti-fraud, Anti-Money Laundering/Countering Financing of Terrorism/Know Your Customer requirements. Failure to provide this necessary Personal Data would impede our ability to provide you with our Services. Furthermore, your Personal Data may be processed when reasonably requested by a law enforcement or regulatory authority, body, or agency, or in defense of a legal claim. We will retain this Personal Data until such time as it is no longer relevant to an ongoing investigation or dispute, ensuring its storage until these matters are conclusively resolved.

We do not collect or store any information about children under 18. Minors and children should not use our Website and Services. By using our Website and Services, you represent that you have the legal capacity to enter into a binding agreement.

We do not process any sensitive personal information, such as racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data, data concerning health or data concerning a natural person's sex life or sexual orientation.

We have implemented a comprehensive array of physical, technical, and administrative security measures to uphold the confidentiality and safeguard your Personal Data against potential risks such as loss, theft, unauthorized access, misuse, alteration, destruction, and other illicit activities by third parties. These security measures encompass data encryption during transmission and storage, diversification of data storage, rigorous physical access controls for both premises and files, anonymization technology, diversification of data and assets, stringent access restrictions limited to a select few individuals, employment of multi-sign access tools, and adherence to confidentiality commitments. Furthermore, we conduct regular reviews of our information security policies and practices, making necessary enhancements to ensure ongoing effectiveness and protection.

We do not engage in the sale, trade, or rental of our Users' Personal Data to any third parties. However, in exceptional cases, we may transmit specific Personal Data of Users, such as contact and identification information, to third-party financial institutions. This transfer is executed in accordance with the regulations and policies of the respective financial institutions, primarily for User identification and the provision of our Services. Users explicitly acknowledge and grant consent for the transfer of their Personal Data to third parties responsible for conducting KYC checks and fraud database assessments. These third parties have undergone a thorough evaluation by us to ensure compliance with personal data processing laws and our privacy policy. It should be noted that for the purpose of delivering certain Services related to Fiat money, we may share the "Know Your Customer" (KYC) Personal Data and other pertinent data of our Users with third-party financial institutions, as previously defined. By using our Services, you explicitly provide us with consent for the transfer of such Know Your Customer (KYC) Personal Data and other required data to these third parties.

We retain your Personal Data solely for the durations necessary to fulfil the various purposes outlined in this Privacy Policy, unless longer retention periods are mandated or permissible by applicable law. To ensure compliance with our legal and regulatory obligations and in alignment with industry standards for data retention, you provide us with consent and authorization to maintain records of such information for the duration of your Account and an additional 5 (five) years following the closure of your Account. Please note that we retain your Personal Data in a depersonalized or aggregated format that does not allow for personal identification. In cases where it aligns with our legitimate business interests and is not prohibited by law, we may store your personal data for durations exceeding legal requirements.

We may share certain Personal Data with our trusted business partners who provide essential services such as cloud hosting, insurance, analytics, research, and other functions that contribute to the delivery of our Services to users. However, we strictly limit the amount of Personal Data shared with these third parties to the minimum required for the provision of their respective services. This information is shared solely for the purpose of delivering Services to users and enhancing the quality of these Services and related communications. We do not share such information with third parties for their marketing activities.

In compliance with the law, court orders, legal proceedings, or upon receiving requests from government authorities, both within and outside your country of residence, we may disclose your Personal Data. Additionally, we may disclose your Personal Data if we believe that such disclosure is essential or appropriate for reasons related to national security, law enforcement, or other matters of significant public concern. Furthermore, we reserve the right to disclose your Personal Data if we determine that such disclosure is necessary to enforce Stvble Digital's User Agreement or to safeguard our operations and the interests of our stakeholders.

We may transfer and store the Personal Data we collect in countries outside the one in which the data was originally provided, including countries outside the European Economic Area (EEA), the United Kingdom, and Switzerland. It's important to note that these countries may not have the same data protection laws as the one in which you initially provided your data. However, when we transfer your Personal Data to other countries, we will ensure the protection of your data as outlined in this Privacy Policy, and we will adhere to applicable legal requirements that provide sufficient safeguards for data transfers to countries outside the EEA, the United Kingdom, and Switzerland. If you are located in the EEA, the United Kingdom, or Switzerland, we will only transfer your Personal Data if one of the following conditions is met:

We retain the right to make amendments to this Privacy Policy at our discretion and without prior notice. These changes will become effective as soon as the updated Policy is published on our website at https://stvbledigital.com/privacy-policy. We recommend that you periodically review the Privacy Policy, especially when revisions are made. By continuing to use our Website and Services after any modifications have been posted, you signify your acceptance of the revised Privacy Policy. We always provide the date of the last update for your reference.