Privacy Policy

Privacy Policy | Fractal 3 Ltd and Intikemp S.p.z.o.o.

Privacy Policy – Intikemp S.p.z.o.o

Effective date: October 17, 2024

Intikemp S.p.z.o.o values the privacy of individuals who use our website and related online services (collectively, our “Services”). This privacy policy (the “Privacy Policy”) explains how we collect, use, and share information from users of our Services to fulfil crypto-to-fiat payments. It applies to information collected from our website visitors and business customers (collectively, “Customers”, “you”, and/or “your”). By using our Services, you agree to the collection, use, disclosure, and procedures this Privacy Policy describes. Beyond the Privacy Policy, your use of our Services is also subject to our Terms of Service. This Privacy Policy does not apply to information that we process as a service provider on behalf of our business customers.

INFORMATION WE COLLECT

We may collect a variety of information from or about you or your devices from various sources, as described below.

Information You Provide to Us

• Registration and Profile Information. When you establish an account with us, we ask you for your full legal name and email address. Should you want to utilise our services for fiat transfers, we will need to perform a further KYC/KYB check including but not limited to the collection of you or your company’s proof of address, proof of funds, photographic ID, and shareholder documentation.

• Communications. If you contact us directly, we may receive additional information about you. For example, if you contact us for customer support, we may receive your name, email address, phone number, the contents of the message and any attachments you send to us, and any other information you choose to provide. If you subscribe to our newsletter, we will collect certain information from you, such as your email address. When we send you emails, we may track whether you open them to learn how to deliver a better customer experience and improve our Services.

• Careers. If you decide that you wish to apply for a job with us, you may submit your contact information and your resume online. We will collect the information you choose to provide on your resume, such as your education and employment experience. You may also apply through LinkedIn. If you do so, we will collect the information you make available to us on LinkedIn.

• Payment Information. If you make a purchase through our Services, your payment-related information, such as credit card, cryptocurrency wallet address, or other financial information, is collected by us or a third party payment processor on our behalf.

• Identity Verification Information. We or a third party acting on our behalf may collect your government issued identity document such as Passport, Driver's License, National Identity Card, State ID Card, Tax ID number, passport number, driver's license details, national identity card details, visa information, and/or any other information deemed necessary to comply with our legal obligations under financial or anti-money laundering laws.

Information We Collect When You Use Our Services

• Financial information. To make it possible to fulfil transactions, we will ask you to provide the details of recipient bank accounts (such as account number, routing number). Additionally we may ask you for a reference message to describe the transaction. Sometimes to satisfy our efforts in fighting money laundering, we may ask questions surrounding the nature of the transaction before we can fulfil it. There may also be information that we collect that is not explicitly shared with us but can be inferred, such as the address of the crypto-currency wallet from which we received funds. Such information may be used for operational purposes or sometimes considered as a data point to mitigate the risk of financial crime on the platform.

• Usage Information. On our website, to help us understand how you use our Services and to help us improve them, we automatically receive information about your interactions with our Services, such as the pages or other content you view and the dates and times of your visits. On our API, we analyse usage of our endpoints and behavioural pattens both for analytical purposed and for consideration in detecting signs of terms violation or financial crime.

• Information from Cookies and Similar Technologies. On our website, we and third party partners collect information using cookies, pixel tags, or similar technologies. Our third party partners, such as analytics and advertising partners, may use these technologies to collect information about your online activities over time and across different services. Cookies are small text files containing a string of alphanumeric characters. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Services. Please review your web browser’s “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete or choose not to accept cookies from the Service, you may not be able to utilize the features of the Service to their fullest potential.

HOW WE USE THE INFORMATION WE COLLECT

We may use the information we collect:

• To provide, maintain, improve, and enhance our Services;

• To personalize your experience on our Services such as by providing tailored content and recommendations;

• To understand and analyze how you use our Services and develop new products, services, features, and functionality;

• To communicate with you, provide you with updates and other information relating to our Services, provide information that you request, respond to comments and questions, and otherwise provide customer support;

• To facilitate the connection of third party services or applications, including services similar to ours in other jurisdictions;

• To generate anonymized, aggregate data containing only de-identified, non-personal information that we may use to publish reports;

• To facilitate transactions and payments;

• To find and prevent fraud, and respond to trust and safety issues that may arise;

• For compliance purposes, including enforcing our TOS or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency; and

• For other purposes for which we provide specific notice at the time the information is collected.

HOW WE SHARE THE INFORMATION WE COLLECT

We do not share or otherwise disclose information we collect from or about you except as described below or otherwise disclosed to you at the time of the collection. All data sharing actions are performed within the framework of the EU’s General Data Protection Regulation.

• Affiliates. We may share any information we receive with our affiliates for any of the purposes described in this Privacy Policy.

• Vendors and Service Providers. We may share any information we receive with vendors and service providers retained in connection with the provision of our Services.

• Third Party App Integrations. If you utilize a third party application such as a blockchain wallet with our Services, we may share information, such as details necessary to effectuate a transaction, with that third party.

• Marketing. We do not rent, sell, or share information about you with nonaffiliated companies for their direct marketing purposes, unless we have your permission.

• Analytics Partners. We use analytics services to collect and process certain analytics data. These services may also collect information about your use of other websites, apps, and online resources. To help us understand how you use our Services and to help us improve them, we automatically receive information about your interactions with our Services, like the pages or other content you view, and the dates and times of your visits.

• As Required By Law and Similar Disclosures. We may access, preserve, and disclose your information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety.

• Merger, Sale, or Other Asset Transfers. We may transfer your information to service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell, liquidate, or transfer all or a portion of our assets. The use of your information following any of these events will be governed by the provisions of this Privacy Policy in effect at the time the applicable information was collected.

• Consent. We may also disclose your information with your permission.

YOUR CHOICES/PREFERENCES

• Marketing Communications. You can unsubscribe from our promotional emails via the link provided in the emails. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.

SECURITY

We make reasonable efforts to protect your information by using safeguards designed to improve the security of the information we maintain. However, as no electronic transmission or storage of information can be entirely secure, we can make no guarantees as to the security or privacy of your information.

CHILDREN

We forbid anyone under the age of 18 using our services. If you learn that a child has provided us with personal information in violation of this Privacy Policy, then you may alert us at [e-mail]

INTERNATIONAL TRANSFERS OF DATA

Our Services are hosted in the European Union and intended only for visitors from countries we are regulated to serve. If you choose to use the Services from the United States or other regions of the world with laws governing data collection and use that may differ from EU law, then please note that you are transferring your personal information outside of those regions to the European Union for storage and processing. Also, we may transfer your data from the EU to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Services. By providing any information, including personal information, on or to the Services, you consent to such transfer, storage, and processing.

ACCESSING/UPDATING YOUR INFORMATION

You can update your account or close your account through your profile settings.

CHANGES TO THIS PRIVACY POLICY

We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective when it is posted. If we materially change the ways in which we use or share personal information previously collected from you through the Services, we will notify you through the Services, by email, or other communication.

CONTACT US

The Service is offered by Intikemp S.p.z.o.o, located at Bartycka 22B/21A, 00-716, Warsaw. You may contact us by sending correspondence to that address or by emailing us at [e-mail]